davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (PA)

On XX/XX/2018 I contacted XXXX XXXX XXXX in reference to my account.

The woman told me I also have 2 other accounts and would I like to set up a payment plan for these. I explained that I am on a fixed income and only receive my XXXX  check. She tells me should would work with me, They would need to take {$1.00} out of my checking account for each of the 2 accounts which I agreed too. Then on the XXXX  of every month starting in XX/XX/XXXXthey would continue to take {$25.00} out for each account. Which I agreed. She was mentioning about XXXX I told again only XXXX as this is all I can afford She then said on my other account I owed XXXX which again I told her I again pay XXXX  a month. She kept talking all these numbers and finally I said As long as it is XXXX a month per account. I checked my bank statement on the XXXX of the month and I saw I was charged XXXX   on one account and XXXX on another leaving me with a -XXXX   balance. I called them and told them about this and was told I agreed to this amount. I know I didn't as I don't have that type of money Now I had to put a freeze on my checking account as the bank didn't cash the XXXX so it was returned and freezing it would not let them try to cash it again. As for the XXXX I imagine I am stuck paying that but my bank will credit me any overdraft fees. Now I have to go and open another checking account so that Midland Credit does not have my backing information and continue to deduct any more checks.
Consumer complaint received 2018-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (VA)

Team I have had Credit monitoring service with Experian for several years and I had paid a monthly subscription fees for it. However, my subscription fees jumped to {$17.00} suddenly in XXXX. When I tried to call the customer service for an explanation and cancellation, there is a wait time of over 2 hours irrespective of the day and time of the week I call. I made several attempts trying to connect to the customer service and could never get across to them. I can not cancel my subscription online and have to rely on a non-existent customer service line.
Consumer complaint received 2018-02-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

My wife, XXXX XXXX was unable to work as of XX/XX/XXXX as she was declared XXXX by Social Security and received an award letter. In XX/XX/XXXX we contacted our mortgage company to apply for mortgage assistance which the mortgage company played games having us fax and re-fax bank statements, proof of income and my wifes award letter from Social Security. We were asked to keep resend this information for least three months. After the third month we received a letter of denial for any assistance from our mortgage company. At that time we chose to sell off some of our possessions and ask our family members to help us save our home, but we continued to pay our mortgage. In XX/XX/XXXX we received a letter from our mortgage company saying that we our mortgage was going up because our county taxes went up and for two years we failed to pay escrow. This was a fairly new mortgage company as our mortgage was sold in XXXX and we never had a problem with the old company. We checked and our state and county taxes are the same. In fact the new mortgage company sent us a check for escrow over payment. Now when I send the monthly payment it says payment for unapplied finds, mortgage went from XXXX to XXXX a difference of over XXXX without any REAL reason.
Consumer complaint received 2018-02-26
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: California Business Bureau, Inc. (CA)

XX/XX/XXXX I received a letter from California Business Bureau , Inc. asking me to pay a debt from a hospital visit on XX/XX/XXXX for {$1300.00} plus {$290.00} of interest. 

XX/XX/XXXX I sent a fax to the California Business Bureau , Inc. with a statement from XXXX XXXX XXXX XXXX XXXX showing a balance due of {$660.00} I also faxed a letter to dispute the debt amount. 

XX/XX/XXXX I called California Business Bureau , Inc. to confirm they received my fax, the person with whom I spoke confirmed it and also explained that one of my health insurance provider, XXXX, paid for my visit to the hospital but they later claimed their money back. She also advised me to call XXXX. I contacted XXXX to confirm this information and the representative informed me that XXXX never paid any amount of that bill because of my deductible hence they never claimed any money back. 

XX/XX/XXXX I called XXXX XXXX XXXX XXXX to verify the amount of my debt and the representative said the hospital sent a balance due of {$660.00} XX/XX/XXXX I called California Business Bureau , Inc. to request an explanation of the amount they are collecting and the manager of my account did not even let me talk she started talking about my insurance provider and that I should contact them, and when I tried to tell her that I talked to them, she never let me. I also told her that I did not understand why she was talking to me that way if I was being polite to her and I only was trying to get responses about the amount they are charging. This agent offered to transfer the call to her supervisor but I was transferred to a voice mail machine instead, I left a message with my name and phone number but I have not been contacted.
Consumer complaint received 2016-05-06
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Financial Credit Service, Inc. (WA)

I received a call today stating that I had paperwork filed against me about a case and I needed to return the call right away. I returned the call and was told it was for a {$400.00} loan that I got in 2011. I told the lady that I do not remember receiving a loan 5 years ago and she immediately became defensive saying that just because I do n't remember it does n't mean that I do n't have to pay for it. I then asked her why I had n't received anything in the past 5 years asking for me to repay this and she said that they had called, emailed and mailed me about this loan and I said that I have n't received anything and she told me that I most certainly had. I then asked her if I returned the 1 phone call to them today, why would n't I have acknowledged this supposed loan and responded to calls and whatnot before now and she just kept on going about how I had to pay this, they were suing me and there would be {$3100.00} in lawyer fees, {$2500.00} in their fees plus the {$700.00} and some odd dollars that I originally owed. I asked her to send me a validation of debt letter and she said it was way too late for that and her company does not send those types of letters. She then became rude and talking over me, so I called her a XXXX next Tuesday and hung up. I then called back to try and talk to someone else but got the same lady again. We tried to talk again and again she became rude, so she got some pretty colorful words from me and hung up. I called back again and asked the woman who answered the phone what the name of her company was and the address, she stuttered around for a minute and finally told me that the company name was ARA. I said ok, what is your address? She would n't answer me and finally told me that she would have to transfer me to the correct department. She transferred me, straight back to the same original lady, I asked for their address, she gave me XXXX XXXX XXXX XXXX, VA XXXX. I said thank you, I know you know who this is and I 'm asking you to send me a letter of validation about this supposed debt that I owe and she refused to send it again, saying it was way too late for that and she had already explained that to me. I was going to send them a letter asking for the validation of debt letter, but I have a sneaking suspicion that this is a fake address that she has given me to contact them.
Consumer complaint received 2018-02-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC (FL)

After Hurricane Maria passed I went to XXXX on XX/XX/2017 to have all lines switched over. It wasn't until two months later that I was notified that XXXX XXXX still had an open revolving account. XXXX did not switch all lines and the reason how I found out is because I was waiting on a final bill from XXXX XXXX to have XXXX process electronic visas to pay off the XXXX XXXX account. There were additional charges added which I notify XXXX about. I also notify XXXX XXXX that they did not have my correct address on file and that's why I never heard anything from them. I am currently still waiting on XXXX to process those electronic visas to pay XXXX XXXX. By the time two months had pass when I found out about the account still being open I had been laid off by my employer. I became XXXX and have not been able to obtain employment to make any payment of my own.
Consumer complaint received 2016-06-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

For over seven years we have been trying to get our loan payment lowered to where we can stay in our home. Until XXXX, 2015 our loan payment was over our income. In 2015 our payment was lowered to approximately {$1300.00} dollars but it was still 70 % of our income. We can not afford that payment and also have had to invest money into our property because it was deteriorating. This has been making it hard plus many health issues that we have had. All we want is for our servicer to lower our payments to something reasonable and affordable. Every time they have helped us the loan modification was an in-house, which resulted in our loan balance now being at {$360000.00}, when the origination amount was {$230000.00}. This is a greater than a {$130000.00} difference. We were solicited at least three times resulting in these in-house loan modifications. We are preparing a summary of the history of these loan modifications and the solicitation letters we received. 
We currently try to get a loan modification every chance we get, and we get turned down with a letter telling us we have no loan mitigation options. Every time this happens to us, we get harassing phone calls from the servicer trying to get us to sell our home or turn our property over to them. They say that obviously the home is not affordable to us, but when we compare what is being offered in home mortgages in the market place to our situation we know that our home would be affordable if the servicer had not ruined our credit. We have now asked the servicer to comply with RESPA laws regarding answering our questions that we have asked repeatedly before. We are attaching the last letter we sent to our servicer. We waited to see if we would get response from them within 5 days regarding our Qualified Written Request before we forwarded this letter to CFPB. We hope, with help from the CFPB, we will get some results on a loan modification that will give us a payment that we can afford. We do n't care if they even raise our mortgage balance again ; we just need to have payments that we can make on time.
Consumer complaint received 2018-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

On both my XXXX  and Experian reports it is showing that I was 30 days late on my payment to my mortgage company, XXXX in XX/XX/2018 and XX/XX/2018. My mortgage is due on the XX/XX/XXXX of each month. My XXXX mortgage was received on the XX/XX/2018 and my XXXX mortgage was received on XX/XX/XXXX. I called XXXX and was told I was correct, but that the credit agencies had to make the correction, as it was not their mistake. I called the credit agencies and was told that XXXX had to correct it, as it was not their mistake. I then asked XXXX to please send me a letter stating the information they verbally confirmed in writing, so that I could forward to the credit agencies for them to correct. They refused, and asked me to start a dispute ALL over again. I am being run around in a circle, and I beleive this is something that can be handled quickly with a simple letter to XXXX and Experian. Please help. Thanks in advance.
Consumer complaint received 2018-02-26
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: SYNCHRONY FINANCIAL (NV)

I received a copy of my credit report and i find two hard inquiries that were not authorized by me. I contact XXXX XXXX and XXXX about the fraudulent inquiry and they agreed to remove it from my credit report but they never did. I recently check my credit report and XXXX XXXX added another inquiry to XXXX  report that i did not authorized, i call them and they both said the same thing. I'm very frustrated, this is a very serious matter, XXXX XXXX and XXXX  won't help me fix it. Please remove XXXX/XXXX XX/XX/XXXX and XXXX/XXXX XX/XX/XXXX from my credit report.
Consumer complaint received 2018-02-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NV)

send XXXX on XX/XX/XXXX # XXXX received reply on XX/XX/XXXX Company 's Response on XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, XXXX has reviewed the information provided by XXXX XXXX, as well as the information associated with XXXX reference # XXXX. The debt was assigned on XX/XX/XXXX by the original creditor, XXXX XXXX XXXX , XXXX The debt was assigned with a principal balance of {$670.00}. Allowable statutory interest has accrued on the debt, in the amount of {$88.00}. The current balance as of the date of this response is {$760.00}. XXXX sent a debt notice to XXXX XXXX on or about XX/XX/XXXX at her last known address on XXXX XXXX. XXXX did not receive the notice returned as undeliverable. XXXX has attached the document provided by the original creditor to support this debt. If XXXX XXXX would like to discuss this account in detail she may contact XXXX 's manager XXXX directly, during normal business hours. send new reply on XX/XX/XXXX # XXXX after there reply : OUR COMPLAINT I send a report with cfpb on XX/XX/XXXX, and received a reply from the company on XX/XX/XXXX. In the reply said the amount owe and a copy of the bill. I don't remember if this is one of the companies I went to, because the dr 's was changing me to diffent places to get my medicine. I didn't see a contract or ect, just the bill. But XXXX claim that they sent a letter to me on or before XX/XX/XXXX to my XXXX address and they never received it back, so claim that I received it. Well I never received anything at no time and nothing after the month 's they claim they mail me one. which I think the company did not send me any letters in which they claim, and never came back to them. so it's my word against their, how can I proved it, that they give me notice to disputed the collection. I have a mail center that records every mail that come in on my account. I got a copy for XX/XX/XXXX to XX/XX/XXXX showing no mail from there company never showed up at my XXXX  address. The mail center is XXXX XXXX XXXX in XXXX XXXX, Nv XXXX XXXX ************ this company only send me a copy of a bill, no contract or ect**************
Consumer complaint received 2018-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I originally had an account with capital one back in XX/XX/XXXX I could not pay the card off so my account went into a charge off status capital one sent my account to a collection agency called XXXX XXXX XXXX XXXX and I made a settlement agreement the original balance was for XXXX XXXX XXXX settled the account with me for a total of XXXX the first XXXX dollars I paid on XX/XX/XXXX and the second payment of XXXX was going to be paid on XX/XX/XXXX I called client services on XX/XX/XXXX to make my final payment and I was told that capital one took the account away from them. Capital one has a payment of XXXX dollars from me this is unacceptable and I want this situation resolved. I have been trying to call XXXX XXXX at Capital One to resolve this but she has not returned my call.
Consumer complaint received 2018-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: I.C. System, Inc. (VA)

I am writing as a victim of the XX/XX/XXXX XXXX  security breach. I have been attempting to validate suspicious activity on my credit report since the breach in which my contact and personal info were leaked. In the process of doing this, I submitted two requests for debt validation ( first on XX/XX/XXXX and second on XX/XX/XXXX ) to IC SYSTEMS INC and requested they only contact me by mail. 
The only response provided from the debt buyer is an invoice sent on XX/XX/XXXX, they have been unable to provide me with the original contract, account history and other documents requested. 
Furthermore after speaking with the original creditor, it was brought to my attention this debt has been misrepresented. The account was originally closed with the original creditor verbally on XX/XX/XXXX due to the sale then eventual death of the pet seen by XXXX XXXX XXXX. In violation of the Fair Debt Collection Practices Act, the collection agency has added charges and fees to the account and is falsely reporting new account activity such as payment delinquency. Also, in respect to Section 623 of the Fair Credit Reporting Act, furnishers must note delinquency within 90 days, list the same date of delinquency as the original creditor and notify consumers of negative listings within 30 days of reporting. All of these statues have been violated by IC SYSTEMS INC regarding this account. I have submitted this complaint in attempts to have this debt verified and this account investigated.
Consumer complaint received 2018-02-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: OLIPHANT FINANCIAL, LLC (NJ)

In XX/XX/XXXX I took a loan out for approximately {$800.00}. To repay the loan I arranged to have payments of {$100.00} a month automatically deducted from my checking account. After some months had passed two payments did not clear. I then began being charged {$240.00} a month. The last payment taken out was in XX/XX/XXXX My checking account was then closed. On XX/XX/XXXX I received a notice from Oliphant Financial , LLC that the current balance due was {$3600.00}. I called the collection agent and told them that I have unemployed and living on minimal medical/general assistance since XXXX of XXXX. They offered my a payment arrangement of {$25.00} a month which would amount to one quarter of my entire monthly income. I replied that I would unable to pay that amount and would be seeking help moving forward with a resolution.
Consumer complaint received 2017-08-13
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Centralized Business Solutions Company (OH)

Previous obligations of paying for medical transport expenses have been practiced by self, without any need for further action being taken by the company of XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, Ohio XXXX. These independent arrangements of payment conducted by self were without ample warning of any kind of " unacceptable '' payment, as each payment was accepted and each personal check was cashed as to accept. As well, there was no standard legal practice of my receiving warnings written of the eventual possibility of my being reported to a credit bureau. This credit bureau created its first report of negligent credit to me as of XXXX XXXX 2017. There ate 2 amounts that have been reported to this agency. One is on the amount of {$540.00}. The other amount is for {$180.00}. Both amounts are for the same ( medical transport services ). This credit bureau is named CSBC, which has the address of XXXX. XXXX XXXX, XXXX XXXX, Ohio XXXX. Further proof of acceptance of payments can be available upon request to the bureau of CFPB.
Consumer complaint received 2018-02-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (OR)

I presented the signed Authorization to release information to Wells Fargo on XXXX XXXX XXXX, XXXX, Oregon. This form was faxed XX/XX/2018 XXXXXXXX XXXX to XXXX. We subsequently got a call from a Wells Fargo agent who stated that I could have access to the information not have online access at all. 

We now want to get away from Wells Fargo and not be connected to them in any way or manner. They have not done anything to FIX this problem and have said conflicting things throughout our attempt to work with them. 

On a scale of 1-10 my stress level is 25!
Consumer complaint received 2018-02-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK (CA)

My loan was transferred from being provided by XXXX XXXX back to Discover onXX/XX/XXXX. 

My recurring auto-payment amount was changed without notification. 

I was unable to alter this on the Discover website ( as I had been with XXXX XXXX ). After calling to alter the amount ( which was a slow, unclear and laborious process ) I managed to change it back onXX/XX/XXXX. 

I checked back to discover website on XX/XX/XXXX to find that my auto-payment amount had been changed again without notification. 

I am really frustrated by how difficult and unhelpful Discover have been to deal with.
Consumer complaint received 2018-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

When contacting Capital One about receiving a goodwill adjustment on an oversight by me as well a login error by them I was advised that my account did not qualify for a goodwill adjustment and that I could not be told how to quailfy for a goodwill adjustment. I have been a customer of Capital One for 7 years with 2 credit cards and have never made a late payment outside of one on either account. So when asked why I dont qualify or how can I improve on my account so I can qualify I was told that is proprietary information and I could not be informed of that information. Based on my relationship with Capital One I don't understand how I don't qualify and how they can have standards that is not shared with consumers. This allows for discrimination and unlawful practices.