davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Pressler & Pressler, LLP (NJ)

Pressler and Pressler used extremely aggresive legal tactics to collect on a XXXX Card that was used by someone in XXXX XXXX a place I have never been. I finally paid them because they had frozen my bank account though XXXX and Pressler and Pressler knew that these charges were not mine. Now after they have been paid they have a lein on my house that is preventing me from refinancing. They not only collect a debt that was n't mine but failed to release their lien on my property at XXXX XXXX XXXX, XXXX nj XXXX. I would like to know my legal options.
Consumer complaint received 2017-08-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (WA)

I received a letter in the mail threatening to sue me, it was titled as a pre-legal notification. In the body of the letter they threatened to turn my account over to a lawer in my state, they are an out of state collector for litigation.
Consumer complaint received 2017-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (MD)

On  XXXX   XXXX ,    2017  I traded my car which was financed through westlak e Financial  services and paid off by  XXXX   XXXX   XXXX . The salesman contacted  Westlake  to retrieve the payoff letter. After doing so the trade took place and I left the dealership.  XXXX   XXXX   XXXX  2017 I checked my credit report and noticed that Westlake reported that my account was still open and was delinquent. I still have proof of the payoff letters and copies of the pay off from the dealership. I asked them to remove the negative/ inaccurate reporting, However they refused an d one of the  reps stated that my credit would constantly take a hit if I refused to pay more than the payoff stated was owed.
Consumer complaint received 2017-08-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

The company has been harassing me at my employment about paying the bill on the loan. I have expressed to them that I am not working as often and I am ill, in and out of the hospital. I did not and do not give them permission to harass me and nor my family about calling me about this loan. I am requesting that they set up a payment plan that is affordable to me at this time. I do not have a problem paying the bill, but I will NOT accept them harassing me.
Consumer complaint received 2017-08-15
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (AL)

I had a XXXX Comenity Capital Credit Card. As I was trying to obtain a mortgage, I paid the " balance in full, '' not the statement balance in XX/XX/XXXXand asked for the account to be closed. After I paid the entire balance, they charged a {$39.00} late fee and continued to do so until my balance was approximately {$190.00}. When I called, I was told that the account was closed but these were late fees. I had previously tried to communicate via the secure message center, but their replies were, I believe intentionally vague and not helpful. I spoke with XXXX ( ID # XXXX ) on XX/XX/2017 who said that if I paid a {$27.00} fee, she would negate the rest of the fees because my account was indeed closed in XX/XX/XXXX. I just received an email that my statement was ready to view. Obviously, I should not have a statement, so I logged in to see. I still have an available credit limit of {$150.00} and now have a balance of {$1.00}. The reply email I got from them was that I had to pay streaming interest on purchases until the balance was paid in full? I can not remember the last time I made a purchase with this card and do not have a balance with them. If I do not pay this {$1.00} balance, I am certain they will rack up late fee again. They now say that my account was n't closed until XX/XX/XXXX which leaves me to wonder why I have available credit at all?
Consumer complaint received 2017-08-15
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LOAN TO LEARN (FL)

My loan with Educap/Loan to Learn was paid in full in a Chapter XXXX bankruptcy. Subsequently thereafter, on or about XXXX XXXX, I received a delinquency letter in the mail from XXXX XXXX regarding a past due amount on the Loan to Learn/EduCap loan which I thought was paid off in the BK ( I am a cosigner ). The next day, I called XXXX and was told if I didnt make a payment that day, they would report me to the credit bureaus. Knowing how hard it is to remove something from your credit report, I went ahead and paid the past due amount. Luckily, I was able to request a 3 month forbearance thereafter in order to figure out why this loan still has a balance. Since that time, Ive been trying to request loan documents and payment history to no avail. You cant even call the original loan servicer, Loan to Learn/EduCap. They only have a mailing address and email listed on their website. I was told by a manager at XXXX that XXXX doesnt retain copies of correspondence mailed out. However, she said she would request a copy of the full payment history of the loan as well as the letter advising the loan was now being serviced by XXXX. I have yet to receive these documents and that was over a month ago. The only documents Ive received are attached. They say nothing about the relationship between XXXX and Loan to Learn/EduCap. I 've made repeated phone calls following up on the documents but they keep telling me they 're being reviewed. They will not provide me any information for people to contact at Loan to  Learn/EduCap.
Consumer complaint received 2017-08-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Designed Receivable Solutions, Inc. (CA)

XXXX XXXX XXXX attempting to collect a medical bill in amount of {$440.00} that was reported on XXXX XXXX 2013, I have never been to any facility XXXX XXXX XXXX nor have a ever received written notice of this bill from the debtor. I have sent repeated request to debtor and all three credit agency to investigate the claim being reported to and to date have not received an answer from any of the mention parties.
Consumer complaint received 2017-05-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (CA)

CONSUMER FINANCIAL PROTECTION BUREAU CALIBER HOME LOANS, et al.    XXXX   XXXX   XXXX   XXXX   XXXX , OK  XXXX   XXXX  : Payments mis-applied to the Principal of my alleged loan number  XXXX  with them.     Dear Sirs, This is another Qualified Written Request ( QWR ) pursuant to Section  6 o f RESPA (  12 USC 2605 ), for CALIBER HOME LOANS, regarding their alleged loan number :  XXXX , in reply to their   recent letters.     They refuse to answer questions regarding the balance of my loan which according to them is {>= $1,000,000}. I absolutely dispute this amount since I have been making all payments to my original Account Number :  XXXX  with  XXXX   XXXX  since  XXXX , when the original balance was {$310000.00} on  XX/XX/XXXX      They refuse to send me an accurate payment history with all payments applied correctly to Principal as agreed in the contract and Loan Documents. The refuse to send me a signed copy of all loan documents regarding the loan modification.     Please forward this letter to them as soon as possible since we are in the process of disputing all their claims i n Federal Court,  Bankruptcy Number :  XXXX , filed in the Central District of California over 1 year ago now, on   XXXX   XXXX   XXXX   They have also breached the BK by filing a notice of trustee sale on the title of my property on   XXXX   XXXX   XXXX   and are presently in contempt of Court.     Sincerely,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX
Consumer complaint received 2017-05-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Peterson Enterprises, Inc. (UT)

The date on this is from XX/XX/2016 originally from XXXX and sold to valley empire collections in XXXX Washington the state I live in is a non collection state and I was never once notified if this bill nor advised it was being sold. It is against policy I would like this removed from my XXXX report immediately
Consumer complaint received 2017-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (FL)

I opened an XXXX XXXX XXXX account through Comenity Capital in XXXX 2016. Their practices seem to be highly unethical. For example, if the account is used for a restaurant or hotel or other service that submits for pre-authorization, Comenity puts through the final charge and also holds the original pre-authorization amount for 10 days. Effectively this is a duplicate charge to the account that renders what should be available funds as unavailable. I addition, Comenity does not accurately report account balances to the credit bureaus. I have both a XXXX & XXXX XXXX credit card that are handled by Comenity. I recently paid down my outstanding balances to improve my credit score as I intended to purchase a car that required a loan. In stead of my credit score improving, it actually decreased as Comenity failed to report the payments made to reduce my balance significantly and has n't done so to date. I also paid off the entire balance for the XXXX account only to be charged an additional {$15.00} interest charge after the fact. How is this legal? Following is their response to my quesry about the charge- Thank you for your recent inquiry to our Customer Care Department .
Comenity Capital Bank issues your account and responds to all credit related inquiries. This card is issued by Comenity Capital Bank pursuant to a license by XXXX XXXX XXXX. XXXX is a registered trademark of XXXX XXXX XXXX.
I apologize for any confusion this has caused. On your previous statement, you were informed of an update to your Credit Card Agreement for your account. This notification was to inform you that beginning on your next statement, purchases made outside a Grace Period would be assessed trailing interest resulting in a finance charge after the balance is paid in full. A Grace Period is a period in time in which credit extended can be repaid without a finance charge being assessed.
Interest is charged from the transaction date until the balance is paid in full. Since interest is calculating until the date the payment is received, you will receive a statement for the interest charged in the previous billing cycle. If you pay the trailing interest finance charge statement by the due date, you will not be assessed finance charges during that bill cycle the following month as long as no additional purchases are made.
We hope this information is helpful. For the security of your account information, we ask if there are any follow up questions you have related to this concern, please click on the reply button.
Sincerely, I. XXXX  Internet Customer Care Team I appreciate your help, Sincerely XXXX XXXX XXXX
Consumer complaint received 2017-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

a computer glitch that was TransUnion 's problem - not mine - caused my inquiries to be deleted. TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added.these inquiries added a hardship and that your rights were violated by TransUnion. Can CFPB help make TransUnion stop victimizing me.
Consumer complaint received 2017-08-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

X/XX/2017 Navient is the collector I made a payment in the amount {$500.00} towards my " 1-01 Stafford - Unsubsidized '' loan which has an interest rate of 6.55 %. However, Navient ran the payment towards my " 1-01 Direct Loan - Subsidized '' loan which has an interest rate of 3.15 %. I know for a fact that I made the correct payment towards the loan I desired, and had even done the payment with a Navient representative on the phone.
I called Navient X/XX/2017 with regards to the issue and received a response that there was a mistake with the payment processing. I find it very hard to believe this occurred by mistake as I have been made aware of multiple instances that this has occurred with other individuals ; citing Lawsuit filed XX/XX/2017 by CFPB.
To make matters worse, I was told that the refunded payment would not reach my account for 4-6 weeks, meaning that I will be charged the 6.55 % interest for another payment term on the current balance. This will result in an extra interest charge of {$32.00} ( {$500.00} * 6.55 % ) to my account.
Consumer complaint received 2017-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION (FL)

I have spoken with Navy Federal Credit Union on multiple occasions.  NFCU is the only company I have an issue with in getting SCRA full benefits for my husband. All the other companies lowered the interest and the monthly minimum due using the same paperwork and same DoD website that NFCU refused time and time again. After being denied SCRA benefits ( of interest reduction ) for months, being accu sed of lying about my husband 's  XXXX   XXXX  service, they finally corrected that. However, they refuse to lower the minimum due. This is against  SCRA as well as, ironically, the information NFCU has on their 'Military Pay  ' App.      SCRA specifically says a financial institute CAN NOT accelerate the payment of the principal balance. By NOT lowering the minimum due, that is exactly what NFCU is doing.      Attached is a screenshot from their APP, stating " Furthermore, the monthly payment must be reduced by the amount of interest saved during the covered period. ''
Consumer complaint received 2016-12-06
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: RMS-Recovery Management Services, Inc. (NY)

I was in a XXXX accident in 2011 i was not able to attend the XXXX semester at my college. The school is trying to charge me {$22.00}, XXXX for the semester. I submitted all documents needed to support my claim. School denied medical necessity although they had a dr XXXX not stating the reasons i was unable to attend
Consumer complaint received 2017-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (SC)

This is the complaint I sent after 3 months trying to resolve with Chase : Cardmember Services Chase CC XXXX XXXX XXXX XXXX, IL XXXX To whom it may concern, I have been a Cardmember for years, paying thousands in interest into Chase,  and recently, back in XXXX, I paid my card off completely, trying to improve my credit score. I paid something over {$1700.00} at the time. {$0.00} balance. I had not been looking at statements for some time, mostly lazy. With a XXXX balance I noticed that I was being charged by two companies for nearly two years, roughly XXXX 2015 timeframe, after I closed my accounts with them ; XXXX and XXXX. Heck, Ive been married now for over a year and a half. I submitted an inquiry through your secure email system and was told I would not have to make any payments while disputed. A few weeks ago, I saw my credit score and it actually went up, and I had a late payment due on my Chase card. I am very surprised that such an organization is capable of such a thing. I just paid {$130.00} on my {$0.00} balance card so that Chase would not further damage my credit. That sounds kind of wrong doesnt it? Let me say that again : I paid {$130.00} on my {$0.00} balance card. Criminal in my mind. I am requesting the following : 1. reimbursement of the {$130.00} I just paid, which includes late fees and interest charged on a {$0.00} balance account, a practice I also consider criminal 2. discontinuance of any payments to XXXX or XXXX 3. I want letters sent to the three credit reporting agencies clearing this recent blemish created by Chase 4. I would like a letter of apology for the unnecessary grief caused by an uncaring mega bank I am a 25 year XXXX XXXX XXXX, and a veteran of XXXX tours to XXXX, and dont appreciate being treated this way. Sincerely, XXXX
Consumer complaint received 2017-08-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (NM)

We signed up for a 12-month, interest-free line of credit to purchase new furniture at Ashley Home Furniture stores, financed through XXXX XXXX. We setup automatic payments in the amount necessary to pay-off said credit card in 11 months, and DID NOT agree to, sign-up for, or " add '' any additional card " benefits. '' After several months of automatic payments, we logged-into XXXX XXXX " mysynchrony.com '' site to check our balance, we noticed monthly, odd-amounted charges on our credit card 's activity ( between $ 5- {$20.00} ), labeled " XXXX XXXX XXXX ''. We call this number and gave them all of our personal account information, in the belief that we had contacted XXXX XXXX. It turns out, instead, we had contacted some shady, fraudulent " company '' simply called " XXXX XXXX. '' The representative, " XXXX, '' refused to give us any information, even what the company 's purpose was, or what a generic " XXXX XXXX XXXX '' charge was for. I XXXX XXXX this exact charge and discovered it is a " dept cancellation protection '' charge, fraudulently added to unsuspecting credit applicants. I contacted XXXX XXXX directly and they were very defensive, and refused to help, saying we could only contact " XXXX XXXX '' and that they would not refund these fraudulent charges. XXXX XXXX MUST discontinue this practice and their business with " XXXX XXXX, '' and this fraudulent, malicious " company '' needs to be shut down immediately! Thank you.
Consumer complaint received 2017-08-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Southwest Business Corporation (TX)

I am a senior and sold my home in XXXX ( XXXX XXXX  ) in XX/XX/XXXX The mortgage was held by SWBC Mortgage. I moved near my grandkids in XXXX XXXX. On about XX/XX/XXXX my son received at my home an escrow refund check for XXXX from SWBC. I was traveling and I asked my son to deposit it at XXXX XXXX XXXX in XXXX XXXX. He called and asked how he should endorse it and XXXX recommended to deposit it " For deposit only '' which he did because he didnt want to sign my name. At the end of XX/XX/XXXX I received a notice from XXXX that the escrow check from SWBC would not honor the check for " non endorsement ''. I called SWBC immediately and they transferred me from office to office. They said they would call me back on the cancelled funds. No return calls were EVER made. I then called two times per month beginning inXX/XX/XXXX, was told that twice that the funds would be " resent within 48 hours '' yet nothing was sent. They asked that XXXX send a certified letter from XXXX itself stating they didnt cash the check. XXXX did and still no replacement check. Finally after 5 calls the end oXX/XX/XXXXI received the check inXX/XX/XXXX I have had a credit score of at or near XXXX for over 15 years. In XX/XX/XXXX I had a notice that SWBC did n't receive my payment for my new home in XXXX XXXX, and had a statement owing for two months, which I paid, minus the XXXX late fee. I never got late fees from them for the 5 months they owed me XXXX and I also had been assessed bank fees from XXXX for XXXXSWBC told me they would ask for a waiver and get back to me. In XX/XX/XXXXI found that they reported my payment being 1 month overdue, and drastically affected my credit score to XXXX. I want this removed from all credit agencies. The XXXX owed was paid and I am still disputing that fee. SWBC held XXXX of my escrow money while I was trying to pay for my new home in XXXX also mortgaged by SWBC. On a fixed pension from the fire department this is alot of money for me to float to them. XXXX XXXX
Consumer complaint received 2017-08-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc. (GA)

On XXXX XXXX, 2017, I noticed on my credit report there was an account in collections for {$65.00} reported by Diversified Consultants. I was completely unaware that an account was in collections until I saw it on my credit report. On XXXX XXXX, 2017 at XXXX XXXX. I contacted the debt collector, Diversified Consultants, immediately to find out why this was on my credit report. I explained to the representative that I never received mail or phone calls regarding the situation with Diversified Consultants. The representative explained there was nothing she could do since it was already reported to the credit bureau. I also asked about having the information removed from my credit report because I was not aware of or contacted about the situation. 
I called back two more times the same day at XXXX XXXX. and again at XXXX XXXX. I was then told that Diversified Consultants received my file on XXXX XXXX, 2017 and reported it to the credit bureau on XXXX XXXX, 2017. On XXXX XXXX, 2017 at XXXX XXXX. I called Diversified Consultation wanting to know if the company had any record of speaking to me. The representative informed me that they contacted three phone numbers that did not belong to me. The representative then stated they spoke with some man on XXXX XXXX, 2017, who told them " his wife will call back. '' The representative then asked me if I am married. I told the representative I have never been married before and I continued to tell him that the phone numbers they called do not belong to me. I have spoken with the following people at Diversified Consultants : XXXX, XXXX, and XXXX.