davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-10
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: WELLS FARGO & COMPANY (DE)

In XXXX and XXXX I began making extra payments on the my loan with Wells Fargo to get ahead of my balance. This resulted in my payment due dates being pushed forward-so at XXXX point I did n't have a payment due for 1 year out. I made a decision in late XXXX to utilize that feature of the pushed forward payment date because I needed the extra cash. It was not a forbearance or income continent loan. My statement indicated that I did n't owe a payment for close to a year and I did n't make the payment. I understood interest would accrue. However, at no point via my statement or a separate letter did Wells Fargo inform me that when I resumed payments they would only applied to the interest accrued during the timeframe. Also they did n't notify me of the amount accrued during the time and how long it would take to pay it off. It was n't until XXXX XXXX that I started to realize my balance was n't decreasing at all. I was set up for auto payments and saw several adjustments include XXXX reductions for my monthly payments. It was messaged to me that the reductions were to ensure I stayed on track towards the end term date. When you are on auto payment, you do n't have a choice to not have your payments adjusted they do it based on the monthly re-amortization. Now, I have two years of accrued interest that must be paid and I am still accruing interest while i '' m paying that off. They informed me that I likely would have a balloon payment at the end of my loan term to account for the additional time to pay off this accrued interest. There was a complete lack of transparency regarding this process, the impact of my decisions and my ability as a consumer to make an informed decision. If I did n't call and ask all of these questions, I still would n't know what was happening. They shared that they no longer have this practice but I had been grandfathered in. Lucky me! Wells Fargo went out of their way to provide just the bare minimum of information via statements and their website without any concern about the impact to the consumer.
Consumer complaint received 2016-06-22
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: WELLS FARGO & COMPANY (OR)

Hello, I am retired, and I recently had some trouble with my credit card. My husband and I are getting older, we are both XXXX. We recently hired someone to go over our finances, because at our age it is very hard for us to keep track of everything. Anyway our financial advisor went over our books and he asked us about some transactions that stood out and most of them we knew what they were, but one company we did not know. Our financial advisor researched the company and said that he was very skeptical of the company. When he called them they had no records for us and could n't tell us what exact business they were in. At that point we knew something was amiss. Since the transaction was done on my Wells Fargo Visa, I thought we were protected because they have a {$0.00} fraud liability thing in their contract. So we called them to report the transaction as fraud on XXXX/XXXX/2016. They told me that it should take about 7-10 business days. We got a letter dated XXXX/XXXX/2016, stating that the charges were valid and authorized, however I never authorized these charges and I told them that over the phone. They sent me another letter dated XX/XX/XXXX which said that because I continued to pay my bill that I authorized the transactions. I hate to say this but I am XXXX years old, and I always pay my bill. That is part of the reason we hired someone to do our books, because truth be told we are just not able to do it very well anymore. Me paying my bill has nothing to do with me authorizing the charges, I have never even heard of this company. I also filed for a reconsideration with Wells Fargo and stated that I had never heard of this company and that I always pay my bill. They sent me a denial letter for reconsideration dated XXXX XXXX.
Consumer complaint received 2017-05-24
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Eastern Account Systems of Connecticut, Inc. (TX)

I have been receiving periodic  medical services fr om  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   (   XXXX   )   XXXX  for the past 2 years. My health plan covered most of the cost with a portion being my responsibility. I verified with  XXXX   (   XXXX   rep ) th at I only have  XXXX  account with  XXXX  showing a balance of {$460.00} of which {$410.00} was forwarded for collections but broken down into  XXXX  different amoun ts. Eastern Account System (   XXXX   )   XXXX , the collection company, is reporting the  XXXX   XXXX  account as  XXXX  separate accounts which I believe to be excessively punitive and unfair. The community needs to be made aware of this, especially before havin g medical services rendered by providers with this company. There may also be violations of law with the State of Texas, Fa ir Credit Reporting Act a nd Federal Consumer Protection Bureau.
Consumer complaint received 2016-04-06
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (CA)

santander consumers has placed false late payments on credit XXXX from XX/XX/XXXX after having a dispute with rep and continuous asking for good will removal of one true late payment XX/XX/XXXX due to illness after having a shouting match Santander XX/XX/XXXX XX/XX/XXXX added XXXX false late payments to my account and I would like them removed I have provided payment history to credit bureau for removal and still no removal I want this removed from my credit only true late payment would be XX/XX/XXXX when I had XXXX for XXXX and was off work. XX/XX/XXXX was a deferred payment approved by santander and they used that month as a late as well this is unlawful.
Consumer complaint received 2017-05-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (CA)

Recent changes to the on-line process, in my opinion, creates a security hazard. When a customer chooses to sign-off the account, a pop-up window appears asking " are you sure you want t o Sign-Off ''. Typically, people hit Sign-Off '' and either leave the computer or switch apps such as going to email. The Sign Off button is not in a spot where a customer could accidently hit it so this ask is ridiculous. For the RARE occasion where someone accidentally hits the sign off button and needs to log on again, my feeling is that it is a small price to pay for securing the website. In my case, I was at a remote office checking my account and was called away so hit the sign off button and left my desk, after returning a few minutes later, my account details were open and I realized later that I did not " confirm '' that I wanted to close the account and someone passing by my desk apparently said " no '' and my account was re-opened for them to view at their leisure. I am fortunate that nothing was manipulated in my absence but immediately reached out to Wells Fargo to adv ise of the issue and, as expected, got no reply to my concern.
Consumer complaint received 2016-06-22
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: ECMC GROUP, INC. (CA)

I had multiple federal loans from XXXX XXXX and because I am in the military I used my Student Loan Repayment Program which paid XXXX XXXX {$9000.00} in XXXX lump sum. That was XXXX of the only payments I have made on my loans since I graduated in 2008 but the amount should have kept me current for many years. My total student loan debt was about {$40000.00} at that time. XXXX received payment and then transferred my student loans to ECMC where interest is accruing rapidly. I personally feel that the lump sum of money should have brought me all sorts of options including the XXXX and/or XXXX XXXX. I am currently serving in the XXXX XXXX ( XXXX ) and also I work XXXX ( 5 years ). 
Instead, once ECMC got a hold of the account they have been asking for payments and I was not able to pay the monthly fee due to the fact I was barely able to keep a roof over my head. I have since entered into the XXXX program with ECMC but I feel it is unfair due to the fact I paid a lump sum to XXXX XXXX. I should be entered into a XXXX program immediately with the lump sum taken into account. Also, all the interest that has been accumulated should be wiped clear. I understand that XXXX consecutive payments on a loan forgiveness program is the standard but I should be offered 5 years of consecutive payments, at this point, after such a large sum of money was paid. Please help me find a solution. I even have another {$1000.00} left I can pay in lump sum from my XXXX to aid in the activation of XXXX and/or XXXX XXXX XXXX XXXX.
Consumer complaint received 2017-05-24
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: U.S. BANCORP (KY)

XXXX XXXX 2017 my brother in law called US bank in XXXX Kentucky to verify a check on my behalf ... gave all numbers etc and was told yes ( by the bank manager ) he could take it and cash it there and then or put it in an account and as a cashiers check would be automatically in the account ... the next day XXXX XXXX 2017, as my bank shuts on a Wednesday afternoon, I put the check into my account having got the clerk at the bank to call the same bank, same man in XXXX and was again told that yes the check was good and continue with the transaction ... I, m XXXX so as soon as a check arrives we have to leave it at least 3 working days to  clear, but this check went straight in showing funds ... another company I deal with immediately took funds out, autorenewal that I did n't authorise..as I never keep that sort of money in my checking account ... by the following Monday XXXX XXXX 2017 the funds were withdrawn by my bank ... leaving me to now cover the sum ... plus charged me for a returned check ... My complaint is that I/we was/were told twice by the bank manager that this was a good check, showing funds which were then taken from my account..they should not, in my opinion say that a check is fine and release funds to only stop the check and take them back ... leaving me in a very awkward position, having to close my account and order a new card, waiting for 10 days for that to happen ... unable to do normal business transactions ... as I say, in XXXX, we wait for cleared funds after 3 days, never will show in the account until then, so the account would be safe from unwanted unauthorised predators taking money ... Since then my bank refunded me the fee for returned check but the US bank told me no that the check was fraudulent and no refund available ... nothing they could do ... I was disgusted and have been advised by my bank in XXXX to contact you as a formal complaint against the bank..The bank have all my details for the transaction. Copies of check, entry to my account ... The documents are too big on file to be sent to your complaints.
Consumer complaint received 2016-04-20
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

PER THE SAVINGS ACCOUNT XXXX WITHDRAWALS FUNDS LIMIT OF XXXX WITHDRAWALS FROM SAVINGS ACCOUNT PER THAT PERIOD OF ENDING BANK ACCOUNT STATEMENT. 
PER FROM XXXX XXXX, 2016 thru XXXX XXXX, 2016. I DID HAVE XXXX WITHDRAWALS FROM MY SAVINGS ACCOUNT. BUT THE BANK FEE FOR THIS SHOULD BE ONLY {$3.00} AS A {$3.00} FEE CAN BE CHARGED FOR THE NUMBER OF SAVINGS ACCOUNT WITHDRAWALS OVER THE BANK LIMITED OF XXXX PER BANKING STATEMENT PERIOD. 
ADDITIONALLY, THE BANK SENT AN EMAIL THAT THEY WILL CHARGE A FEE OF {$10.00} PER OVER THE XXXX LIMIT OF SAVINGS ACCOUNT WITHDRAWALS, ( IMPROPER BANKING FEES PRACTICES ) THANK YOU.
Consumer complaint received 2017-05-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX  is reporting account number  XXXX  on my credit report. This account should not be on credit report. It is not mine and I already filed a CFPB complaint to get it off my credit report.
Consumer complaint received 2017-01-10
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P. (MN)

I have a collection on my credit reports for PYOD XXXX. I have called them and sent them letters ( that were signed for ) over 10 times and I have never heard from them. I do not owe them anything and they will not respond for clarification. 

This needs to be removed immediately or I will have to take them to court and ask for damages.
Consumer complaint received 2016-04-20
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (NC)

I traded in my car and the dealership requested the payoff amount on XX/XX/2016, the amount they told to pay was {$1900.00} and the dealership sends the amount of {$19000.00} this amount should include the interest after requesting the payoff and that amount sent on XX/XX/2016. the same day the wells Fargo bank took from my account {$430.00} as the payment for XX/XX/2016. and they are telling me at that moment that I still owe them {$570.00}. I am confused who owe the other, according to the accounting base wells Fargo owe me XX/XX/XXXX payment. add to that they are still charging me interest and they have reported that to the credit score agency. I am begging you non of their customer service, not even the vice president want to contact or deal with me. they just calling harris me and my wife and threatening us by telling us that if we did not pay this amount they will report it to the credit bureau and they did so my score went really down because they saying I am behind 77 days. the last time they contacted me was XXXX/XXXX/2016 and the representative did not want to talk with me she just telling me if I am going to make a payment and her supervisor as she mentioned his name " XXXX XXXX '' he told her to direct us to our new dealer which we traded the car with to talk with them and when the dealer tried to contact them they telling them the run-around for over 2 hours. earlier the vice-president contacted me and she refused to talk with me she said " I do not prefer talking with you and there is no more communicating till you pay your amount that you owe us '' and hang the phone on me. they are claiming that they send a check for me and they want me to sign an affidavit saying that I did not cash the check, how I am going to cash something I did not receive. please, help me.
Consumer complaint received 2016-06-14
Product: Credit card — 
Issue: APR or interest rate — 
Company: WELLS FARGO & COMPANY (NC)

I have business secured line of credit with Wells Fargo and had nothing but trouble with the card since XXXX. The representative assigned to my business loan account did not properly process my request and the APR increased from XXXX percent to XXXX percent. Since XXXX XXXX, I have called over 10 tens to get this issue resolved. I was verbally informed that my APR decreased ; however, I was never provided any paperwork. I called the executive office over 5 times to get paperwork resent. Also, contacted person from the complaint team and he did not respond to my calls in over two months. I called in to make payments and submit address change. I have not received any statement since XXXX XXXX advising me of my business account. Two weeks ago, I was informed that my APR was XXXX percent due to lack of payments. I called in and mailed payments to Wells Fargo. Well Fargo is engaging in predatory credit card practices. The Executive Office has failed to realize that my calls have gone answered and I am not receiving my statement. This is bank error as no representatives will contact me to let me know of my account status change since XXXX XXXX. My credit has been adversely affected and I have a predatory loan rate.
Consumer complaint received 2016-11-07
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (MD)

We finished a chapter XXXX bankruptcy in XXXX 2015. We fell behind in mortgage payments in XXXX because i did not have a job yet. I became employed in XXXX and contacted Shell Point mortgage servicing to start a payment plan to catch up on the past due balance and resume payments. We started discussions with them XXXX XXXX. Our initial phone call we spoke with a loss mitigation rep and talked numbers. We discussed a 12 month repayment plan and the first contact indicated we should be able to start the repayment immediately. They also said there were no fees being added each month. Our rep kept saying it needed to be approved by the investor. We sent our financial documents to them by XXXX XXXX. I have called every week. In XXXX they said we were approved for a loan modification which I said unequivocally several times we DID NOT WANT. We have the funds to catch up on payments. Every call I have asked when we can start repayment. I get a call from our rep XXXX XXXX every 2 weeks. ( I call at least once a week ) we STILL do not have a repayment plan. I believe they are trying to force us into a loan modification now. We want to wait and refinance when our credit is back to normal. We are ready to start paying them the money ... I ca n't figure out WHY they wont start the repayment plan. You would think the " investors '' have a fiduciary duty to their investors. They have to have some motive for delaying our repayment plan. With chapter XXXX we could get up and just leave. But we dont want to- we want to PAY them the amount owed. If our balance gets too large they will deny us any repayment plan or I am sure ask for the complete financial package again to delay further. This is now over 3 months .... all we want is the repayment plan! Now they are piling on fees with no explanation. The rep says there are no fees- but when I pull the loan details they are there clear as day
Consumer complaint received 2016-04-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (AR)

to start with I was under a chapter XXXX in XXXX XXXX, I just made last payment and was fired from my job. I called XXXX XXXX XXXX and informed I was unable to make payment, they told me they has n't received the discharged letter yet. it took about 8 months for them to get letter. then we started paperwork for refinance numerous time paperwork was sent to them always with something not right or missing. this went on till about XXXX XXXX. I told them I had been identified as a XXXX veteran next thing I know, I 'm dealing with Select portfoilo. again same result told them I was trying to get a refinance. again same run around missing paperwork, information not right. here again I have got another notice of sale while I am again trying to do a refinance. the latest paper states, they want me to make 3 monthly payments of about XXXX and once this is accomplished they will try again if they have all paperwork, meanwhile I have received a letter of a foreclosure sale.
Consumer complaint received 2016-04-19
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Debt Management Holdings LLC (ND)

I have been receiving phone call from a debt collector stating that I owe on a account that I is paid and closed. according to my credit report and contact with the credit card company. they have refused to send me a copy of the debt they say I owe and when I ask for their info. they get hostile and hang up on me
Consumer complaint received 2016-06-14
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

Account Number : XXXX ( XXXX {$420.00} ) Account Number : XXXX ( XXXX XXXX XXXX {$980.00} ) Account Number : XXXX ( XXXX XXXX {$640.00} ) I previously sent you a letter requesting that the collection that you are erroneously reporting against me be validated or removed from my credit report. I received your response and it is not acceptable, it is vague and does not constitute any form of validation according to the FDCPA or verification according the FCRA.
Consumer complaint received 2016-04-19
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AR)

Representative attorney for Portfolio Recovery Associates LLC in Arkansas revived a seven-year-old default judgement I was not originally aware of ( in XXXX ), by pushing through a quick garnishment ( in XXXX ) without doing the due diligence to contact me, confirm an accounting of the debt, or check whether it was time-barred or even an accurate debt. Apparently they garnished {$500.00} from an employer after I was terminated in XXXX, so I was unaware of this garnishment from my final pay. My credit report is clean going back 12 years, so I see no proof of this debt. I immediately requested information connecting me to the debt, but received no account information from PRA. According to CFPB Consent Order # XXXX, Portfolio Recovery Associates LLC and all attorneys associated with them were charged in XXXX XXXX with the burden of proof to review these old default judgements and move to vacate any that could not be proven when challenged by the consumer. It 's {$2700.00} and there is not XXXX shred of evidence in the court file to confirm the debt.
Consumer complaint received 2016-11-07
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (CA)

I believe that the 8 % interest rate on my consolidation loan rate is fraudulent. I have tried multiple times, without success, to find out from AES, the consolidation loan servicer, how this rate was calculated. According to the loan document small print : " The maximum interest rate on this loan will be equal to the weighted average of the interest rates on the loans consolidated ... '' The rates on the original loans range from 3.45 % -3.6 %. Logically, the rate on my consolidation loan should fall somewhere in that range as well, yet I have been paying 8 % since 1997. I want my loan to be re-calculated at the correct rate and any overpayments i may have forwarded to be returned to me at 8 % interest.