davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-18
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Armada Corp. (WA)

I pulled my credit report to find I had XXXX accounts reported from armada who collects for the XXXX clinic. These are doctor bills I did n't know I has so I called the company to try and clear these up with payments. XXXX was for {$76.00} and another was for {$87.00} they then informed me that they had several little bills in their office that added up to another {$200.00} that they wanted paid. The lady told me that if they are not {$50.00} or more they can not be reported to my credit but rather then owing them {$160.00} they now claim I owe them {$360.00}. I made a call to XXXX XXXX who said I need to write XXXX checks XXXX for each amount and submit a letter stating what I am paying and that they are to cash the checks and mark my account paid. I sent checks and letter XXXX/XXXX/15 and received them back in the mail on XXXX/XXXX/15 with a letter stating I need to call their office they are rufusing to take my payments.
Consumer complaint received 2015-10-24
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC (LA)

My rush card been inactive status over 11 week please help My cell is XXXX XXXX XXXX XXXX La XXXX XXXX XXXX XXXX XXXX please I have XXXX babies if my lights go off the state gone take my children and possible eviction
Consumer complaint received 2015-10-14
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Windham Professionals, Inc. (CA)

XXXX re-aging of a moot and alleged debt AFTER fallaciously assuring the CFPB that they would 'cease and desist ' on XXXX 2015. This is a massive violation of the FDCPA and FCRA. NOW it has caused me to be harmed and injured by being declined for employment with the XXXX Life Insurance Company. I am currently appealing the declination.
Consumer complaint received 2015-10-23
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC (MN)

My account was blocked during the system outage and I had been without access to my money for almost 2 weeks. When I finally was able to get " help '' I was told that I needed a new card issued and it would take 7-10 business days to get my card or I could have it expedited for a {$30.00} fee. I had no other choice but expedited shipping due to needing to pay my electric bill by the end of the month. So now I am not only behind on bills, but now I am also out an extra {$30.00}.
Consumer complaint received 2015-10-14
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (PA)

I have a home equity loan with SLS, formerly XXXX XXXX XXXX. I entered into a loan modification with them in XXXX at a monthly amount of XXXX. They continue to show a suspense amounts on my statements usually of XXXX and always past due amounts, My first payment in XXXX was applied to principal and should be to interest, and I have called repeatedly and written to their corporate offices as told to by their customer service dept to get this reapplied. 

I always call the automated system and on XXXX the total amount due per them was {$630.00}, which I paid on their automated system from my account at XXXX Bank, which should have brought me to XXXX XXXX due until XXXX XXXX. I just got a statement dated XXXX which says I owe {$1200.00} by XXXX, and {$580.00} is past due. How can I be past due that amount if I paid everything current as of XXXX per their system. When I was told by their customer service person XXXX to write to the corporate office XXXX cash apps XXXX to get the first payment applied correctly, it has never happened.
Consumer complaint received 2015-11-25
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Clear Debt Solutions, LLC (OR)

CDR called my place of employment at the phone # listed above on XXXX/XXXX/2015. Told them not to call me at work. CDR called again on XXXX/XXXX/2015. On XXXX/XXXX/2015 they were told once again that they were not to call at my place of employment. They called again today XXXX/XXXX/2015 and when they were told that they were not to call at work, they hung up the phone without saying anything. I have phone records showing the incoming and outgoing phone calls. They have been told 3 times now not to call at work and they continue to call and are now hanging up when the phone is answered. I am attaching a copy of the phone record showing their calls and the return calls to them telling them not to call work and to send something in writing. Today 's call will not show because I answered it and they hung up on me. The other calls they left voicemail on my work phone.
Consumer complaint received 2015-08-04
Product: Credit card — 
Issue: Payoff process — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I paid off XXXX credit cards of which I was three months late on, to date it is still stating late. I have received my XXXX on these cards, paid my dues, and they informed me that they would be removed from my report upon payment, and now they refuse to remove them from my credit report.
Consumer complaint received 2015-10-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

I am refinancing with a mortgage company. The new mortgage company has been trying for weeks to get Ocwen Mortgage Servicer to send them the payoff quotes so they can finish the refinance. Calling Ocwen is an absolute nightmare. They outsource their call center XXXX. I escalated it to several managers who all told me I would have the payoff quote within 24 hours. I requested it 4 or 5 times and they always say 24 hours but never send it. Now my refinance interest rate lock is expiring and the lender is charging rate lock extension fees as well as they are not able to even close the loan because ocwen is not cooperating with sending the payoff quote ( a very simple request ). It is an absolute nightmare calling this company, and how they are still in business is beyond me. They have cost me time, money, and heartache, stress etc trying to just a simple payoff. Instead they play games, they request the same things over and over again, and driven me absolutely crazy trying to deal with them. Please pleas prosecute and get this company shut down. they slogan is " helping homeowners '' which is absolute garbage because I do n't think they have helped me XXXX time, even with something as simple as getting the payoff request so we can finish my refinance.
Consumer complaint received 2015-11-25
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Nationwide Biweekly Administration, Inc. (NV)

To whom it may concern I just recently purchased a new house this XXXX 2015 and shortly after moving in we began receiving letters regarding a mortgage accelerator program. I called them and I decided that it made sense and paid upfront a sum of one mortgage payment which was XXXX. Now they are sending me emails indicating that they have been shut down. I am upset not to mention out a lot money. Do I have any legal recourse about getting money back thx XXXX
Consumer complaint received 2015-04-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (PA)

I received a notice from Convergent stating that I owe XXXX XXXX of XXXX {$160.00}. I was shocked because I currently am a XXXX customer and my account is current. I have been a XXXX customer since XX/XX/2001 Everytime I moved I just transfered my service. My account is up todate and if it was n't they would not provide me any services. I need their services because I take classes online, and have been doing so for 3 yrs. now. XXXX has confirmed that this is an error because I do n't owe them anything and if I did, they knew where to reach me to bill me. I never received any invoices or bills from XXXX stating I have an outstanding balance. My main concern is that this is in my credit report for even more money than what is shown on this notice. The credit report states I owe {$220.00}. Another concern is that my name is mispelled, which is why I truly believe it is a huge error that someone is trying to make may pay for someone else 's debt. Please advise how I can resolve this issue. 

Thank XXXX XXXX XXXX XXXX
Consumer complaint received 2016-11-08
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (NJ)

I have a HAMP loan and received a letter in XXXX informing me about a {$5000.00} incentive that had been applied to my XXXX. An offer to modify was also included. I signed and mailed it. In XXXX I received the enrollment paperwork via XXXX. I thought I was ineligible because my XXXX payment would be late ( I am a XXXX on a XXXX ). I called Seterus to inform them of the late payment, and was told I qualified. I signed the enrollment and sent it in the XXXX envelope Seterus provided. I was given a new payment amount, told that when modifying one month 's payment is skipped, and that as long as I made the new payment by XXXX/XXXX/16 I would be current. I made that payment. On XXXX/XXXX/16 I called to confirm receipt of the payment, and was told it was the incorrect amount, was being held in suspense, and I was behind. I made payment arrangements and continued to follow up with phone calls. Since XXXX, I have spoken to 5 reps and 2 managers. Two reps told me I was current and the lower payment amount was correct, 2 told me that was wrong, the 5th rep told me both in the same conversation. The managers told me I was behind and refused to let me speak with a superior. I 've incurred late fees, an inspection fee, and received delinquency/foreclosure notifications. On XXXX XXXX I went onto Seterus 's website to check that an automatic payment had been made. I also downloaded all of my 2016 statements except for XXXX, which was missing from their site. I called Seterus to request a hard copy. I have not received it. I have more specific details and documentation, including all written correspondence I received from Seterus. The character limitations prevent me from providing those details here, but I will enthusiastically share them.
Consumer complaint received 2015-10-14
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (CA)

default judgement filed and i was not properly served summons, wage garnishment order served my employer. i submitted claim of exemption. Midland Funding LLc submitted opposition to claim of exemption stating they would not be present at exemption hearing. 
found that to be strange begin that they felt i really owed them. 
I went to exemption hearing, no proof of service in documents when i inquired who was sub-served for me, original creditor was not indicated in documents. Judge said my money was to be returned to me. I feel humiliated, and Midland should be findfor falsifying legal documents, destroying people credit worthinessand making false implications to consumers employers. This would be consider a strike against me, and another strike, i could lose my job after XXXX years.
Consumer complaint received 2015-06-16
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PNC Bank N.A. (FL)

I maintained an individual bank account with PNC bank with their virtual wallet account, which consists of XXXX separate accounts, I asked earlier that the entire " wallet '' be CLOSED, and any balances be transferred to my joint wallet account with my husband, The bank confirmed the closing and the transfer, Somehow, the bank imposed a XXXX fee on the closed account, and I have received XXXX letters, copy of XXXX attached, insisting I am OVERDRAWN and that action will be taken if I do not settle the overdrawn account? I contacted the bank, and was advised it was an error and that they had not closed the account properly, Yet I still receive these threatening letters, I am therefore filing a formal complaint regarding a debt I do not owe, and never owed, I expect the bank to issue a formal letter to me stating there is no debt, and also stating that any negative information sent to any of the XXXX major credit bureaus and to any other credit reporting services has been removed, and I want confirmation from those bureaus that such action was taken, The bank should be sanctioned for issuing this letter in the XXXX place, and not voluntarily issuing a correction letter when it recognized its error, Please advise action taken, ( most recent letter attached to this complaint
Consumer complaint received 2015-09-04
Product: Debt collection — I do not know
Issue: Communication tactics — Called after sent written cease of comm
Company: Receivables Performance Management, LLC (SD)

filed complaint before XXXX -- - they said need phone number to stop calling and did send in dispute response -- - their response wanted me call them but since not able use phones then ok how and no way calling collection agency and go round and round with before can help you need verify social security number and other stuff can just change person owing info to yours scam -- - not giving all kinds personal info like that just to demand they stop calling wrong person -- this is XXXX person
Consumer complaint received 2015-06-17
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP (FL)

I believe that I am being billed incorrectly or the payments are not being reported correctly. I have paid a past due amount of {$66.00} and I 'm still being billed for it. It is a negative reflect on my account. Also, I was told that my payments would be approx {$34.00} per month and I have been billed for more, in which they keep increasing the amount.
Consumer complaint received 2015-10-23
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XXXX XXXX, 2015 we did $ XXXX in sales with our XXXX XXXX. I have a business account with Bank of America and also use there merchant services that I pay monthly for. The funds were never deposited because they stated customers may have been using fraudulent information and they needed to hold the money in case of chargebacks. They also requested that we send over invoice showing what these customers purchased. We provided them with invoices showing that customers have purchased advertising packages from us. They then stated that it was n't good enough and still need to hold funds in case of chargebacks. We have gotten chargebacks that have not been covered as promised. This also caused additional income in my account to be taken and put me in negative which they are charging overdraft fees as well. We have attempted to get in contact with our Security representative through XXXX Merchant services at Bank Of America assigned named XXXX ( XXXX ) XXXX ( XXXXXXXXXXXX ). When you call her it goes to her voicemail and sometimes she picks up and hangs up. Any time I call Bank of America they transfer me to the security department but then I 'm directed to her desk again and again. I 've left numerous voicemails with no response and now they are causing my business to suffer and not be able to operate on daily basis. Relationship with their merchant services was canceled and Bank of America is still not holding their end of the agreement to cover chargebacks based on funds on hold.
Consumer complaint received 2015-11-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NY)

The accounts XXXX and XXXX are in violation of the FCRA as they are knowingly inaccurate under XXXX ( a ). XXXX XXXX XXXX has not done a thorough investigation as to the validity of these accounts and they have already lost in court over XXXX of them. I have retained an attorney and will be commencing litigation with them over these accounts if a thorough investigation is not completed and documentation provided as to ownership and original contract information for both of these accounts. 

The Credit Reporting Agencies will not provide the information afforded in my rights under the FCRA 609 ( a ) ( 1 ) and now XXXX XXXX XXXX is gaming the system to punish me for beating them in the courts.
Consumer complaint received 2015-06-16
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: MOHELA (AK)

Why wo n't you investigate Federal Student Loans? XXXX has a policy in place of applying extra payments toward future payments, thereby collecting more interest and keeping borrowers in debt longer and longer. They have layers of obstacles making it difficult, if not impossible, to pay only the minimum amount each month and pay down principle with extra payments when you can. They threaten to increase your minimum if you ask to make principle reduction. 

Imagine if you wanted to pay an extra {$300.00} on your mortgage, and the bank said they " ca n't do that, and if you ask us again, we 'll raise your interest rate ''. That is pretty much what XXXX is saying to thousands of student borrowers.
Consumer complaint received 2015-06-16
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc (CT)

When I attempted to change the email address on my PayPal acct, the company apparently opened a separate PayPal Credit acct with my information and automatically applied my next charge to the new acct -- so instead of my initial charge being paid off with the credit card on file, they charged me interest and late fees. When I contacted them to complain, they offered to close the acct if I made a payment of half what they claim I owed. I did this, and then several days later I received a new statement showing my payment and adding another late fee.
Consumer complaint received 2015-08-04
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Duncan Solutions, lnc. (FL)

Dear CFPB, I am asking you for assistance to intervene on my behalf concerning willful non-compliance within a " reasonable time '' by Professional Account XXXX refusing to remove, by law, a proven fraudulent credit profile account off my credit reports. 
This unauthorized account is a red flag that is damaging my credit record ; which is a violation of my rights pursuant to the Fair Credit Reporting Act. In circumstance, I provided my name, address, and social security number, demanding within ( XXXX business days, via certified mail Number : XXXX XXXX XXXX XXXX XXXX, on XXXX for the creditor to provide me a copy of the original application bearing my signature, giving authorization to pull my credit history so that I may forward it to the police authorities for investigation. 
The creditor has willfully not complied with my request. I have never received any benefit directly or indirectly from the fraudulent transaction ( s ). Any signature is a forgery and was made without my knowledge ; perhaps due to consumers having similar names and/ or social security numbers. I look forward to you helping me in this matter.
Consumer complaint received 2015-09-04
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Direct Recovery Services, LLC (CT)

DRS is attempting to collect on a payday loan I did not apply for/did not receive. They have called in the past and most recently, emailed me twice, XXXX different reps contacted me. They have an address of a person with the same name, this appears to either be fraud or a mistake on their end. The address the have for me is XXXX XXXX XXXX XXXX XXXX, XXXX, CT XXXX, I have never lived at this address. The amount they claim I owe is XXXX from Payday Yes, a payday loan company
Consumer complaint received 2015-06-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (GA)

In XXXX of 2015, our mortgage payment went up {$53.00} due to an increase in property taxes. We have our payment set up to go out automatically on the XXXX through our bank, and it went out as scheduled in the old amount. We started getting phone calls, many a day, at work, where we could not answer them. They left no messages, and only different numbers would come up on caller ID, no company name, so we assumed they were sales/spam calls. I finally answered XXXX after work one day, out of curiosity, and found that we had been reported to the credit bureau for being 31 days past due on our mortgage. I explained the situation, but it did n't matter. They kept insisting we were an entire payment past due. I 've tried to get them to explain why they held the funds they had for 30 days, which was all but {$53.00} of the payment. They can not explain why the held those funds or why they were n't applied to the loan. They could have at least applied principle and interest and let the escrow account be short. We caught up the loan the next month, but our credit has suffered. It shows that we were an entire payment past due, not just a XXXX dollars on the escrow account. We have NEVER been late on a mortgage payment in over 25 years. They also started sending us information on avoiding foreclosure, mortgage assistance, etc., all over {$53.00}. Our loan was sold to them from GMAC ; we did not choose to deal with this company. We had problems the year before with misapplied funds, but I do not think our credit was hit through all of that. That was totally the error of Ocwen, and they admitted that it was their error.
Consumer complaint received 2015-08-04
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: KEYCORP (TX)

I took this loan out in 2006 prior to the financial collapse and new regulations of student loans. I have since made payments on this loan for the past 3 to 4 years until I have endured financial hardship and am unable to make payments. I requested an unemployment forbearance/deferment but was denied and was told my private student loan offers absolutely no temporary relief what-so-ever despite having paid on time for many years and never requesting a forbearance before. I have contacted several individuals at XXXX XXXX XXXX and KeyBank in an attempt to try to get some help but have been given the run around and repeatedly been given different answers. 
KeyBank should not be in the business of Student Loans. I 'll end up on the streets unable to rent or ever purchase a home because my credit will be ruined all because I could n't make payments to my student loans during a time of pro-longed unemployment. Since KeyBank affords no temporary relief during hardship and private student loans can not be discharged in bankruptcy, I do n't have any options left but to default on this private KeyBank student loan, face collection harassment, and an eventually a collections lawsuit I ca n't even afford to defend. There is absolutely no way I could immediately pay the remaining XXXX dollar balance immediately upon default as lenders demand and harass debtors with. Maybe if banks such as KeyBank would spend more time actually helping debtors find a job so they could actually pay their student loans, the student loan market would n't be in such a mess.