davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-17
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (NV)

American Medical phone # XXXX calls every single day Monday through Friday at all times of the day for the last 3 months. They have been demanding payment for a {$25.00} debt from an unknown medical expense. They refuse to provide any information or details describing the debt e.g. date of debt, company owed, and for what services. American Medical has refused to send any documentation of the debt in writing to me. They have refused to provide any information about their company. I do not feel safe with providing anyone my personal credit card information or making a payment without knowing who I 'm sending it to and what I 'm paying for. 

I have never left any debt unpaid to avoid hurting my credit, therefore I need information of the debt to avoid paying a debt that I already paid for, or paying for a debt charged to me by mistake. If that is the case, I wish to dispute any wrongfully charged debts. 

I have requested for them XXXX different times to stop the harassing phone calls, and they have continued to call everyday. The last representative 's name was XXXX and I asked her to remove me again from their calling list. I have photo documentation of all the calls they have made to my phone. 

I would like the harassing phone calls to stop immediately. They have been disrupting me while in school or while still sleeping.
Consumer complaint received 2016-09-08
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (FL)

Twice now within 2 weeks I am having problems with money being sent to me via PayPal that does not show in my PayPal account. The first time it seemed to be due to some glitch with their new website that seems to be missing some features or pages of their old/classic website. Both times money was sent, that I could not withdraw. I could see the transactions saying I had money, but it would not reflect in my account. Basically PayPal received money on my behalf I could not withdraw. The first time the transaction was reversed and the money was sent outside of PayPal entirely. Which seems to be my only option at this time. All I am being told is there is some system issue they are working on with no time estimates when it will be resolved. Yet I am able to receive payments before and after this transaction and withdraw those funds. I am not sure what is going on at PayPal, but if they can not handle others money properly, maybe they should not be allowed to do such at all. Something does not seem right, and it is beyond system issues.
Consumer complaint received 2016-12-23
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Lending Club Corp (OR)

Lending Club sent my loan to an outside collection agency while I was actively paying according to terms. I called to dispute their actions and they took the loan back from the agency. After they took it back they put it in a charged off status even though I am current on payments and making them according to the original terms they did not charge off anything but refuse to change the status of the loan from charged off to current and paying as agreed. I 'm trying to refinance my mortgage and I 'm a XXXX veteran and on a tight budget with high student loan payments. Their illegal reporting of the loan is preventing me from refinancing with FHA and I 've been trying to get them to change the status of my loan but they refuse.
Consumer complaint received 2017-01-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: TRANSWORLD SYSTEMS INC (GA)

I had a consolidated student Loan through XXXX, made payments on it over time. When my son was born, he was in the hospital for four month, I got a deferment. The deferment ended sooner than expected and I went into default. I made XXXX payments to Transworld Systems Inc to get my loan out of default. After that, they said it would be up to 60 days before someone bought the loan. It has been four months, I continue to make payments to Transworld, and I am still listed as in default. In addition, it was a 15 year loan and I now owe more on it than when I started. Because of my family 's unique situation, we need to apply for a mortgage immediately, and we have built our credit up to do so, but are unable to do anything until this gets resolved. All XXXX of us ( wife and XXXX kids, XXXX with XXXX ) have been living in my in-law 's basement while Transworld continues to list me as default even after I complied with my end of the agreement.
Consumer complaint received 2016-07-27
Product: Credit card — 
Issue: APR or interest rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

Bank of America has a practice with their credit cards and balance transfers that is highly deceptive and borders on fraud. 

I transferred a balance from a non-BOA card to a BOA MasterCard. The balance transfer offer from BOA was for 0 % interest through XXXX, 2017, with an up-front 4 % balance transfer fee. However, I just learned that their policy is to apply your entire minimum monthly payments, 100 % of those payments, to the balance with the lowest APR, which will naturally be the transfer balance. This effectively eliminates any value from the transfer, while they charge 4 % for the privilege. A consumer 's entire monthly minimum payments go first to pay down a 0 % balance transfer balance offer that he just executed. There really is no guaranteed 1-year, 0 % interest transfer period, as they represent in their promotions. 

As an example, you can transfer {$1000.00} to a BOA card with a 1-year 0 % interest offer ( good until XX/XX/2017 ). If your monthly payment is {$300.00}, the balance subject to this 0 %, 1 year promotional offer is actually paid off in 4 months, while your other balances continue to earn 13+ % for BOA. In effect, all of you monthly payment goes to pay down the 0 % balance transfer balance while your balances subject to interest are not paid down at all! So there 's really no value to the balance transfer and BOA charges a 4 % fee for this privilege! In reality, the consumer is probably losing money on the balance transfer - from the initial 4 % fee, from the deceptive 1-year " value '' of the 0 % offer, and from the fact that if the consumer transfers a balance, that 0 % balance is paid off first with all of their monthly payment, while other interest carrying balances get no allocation and earn BOA even more money! 

I know that I can walk with my money, but this borders on outright fraud. At a minimum it is a highly deceptive consumer business practice. Most consumers would not even check their statement, assuming that the balance they just transferred would remain at 0 % until the one year offer period expired. That 's where the deception and fraud in advertising arises. They also rightly assume that their monthly payments would be going to pay down balances subject to regular interest rates, at least in some proportion. But that 's definitely not the case. 

It 's like making you pay for an ice cream, which looks really good and worth the small charge. Then they just eat it all themselves in a few big bites! 

Thank you for your attention to this matter. The consumer really needs protection from this fraud.
Consumer complaint received 2016-12-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (TN)

I have submitted a dispute to XXXX as well as credit bureaus about XXXX derogatory accounts listed on my credit report in error, but they have not removed the accounts from my credit. In XX/XX/XXXX my father paid in full all outstanding student loan debt to Sallie Mae ( now Navient ). In XX/XX/XXXX XXXX XXXX years after the accounts were paid in full ), XXXX Mae/XXXX listed the same XXXX loans on my credit with derogatory payment history during XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. It is impossible to be " late '' on payments on accounts with a zero balance. I have contacted XXXX by phone once and in writing once. I have submitted a formal dispute to the credit bureaus once. The outcome was that Sallie Mae/XXXX was able to validate the debts. Again, there is absolutely NO POSSIBLE WAY that they can validate derogatory payment history on accounts with a XXXX balance since XX/XX/XXXX - that 's XXXX years ago, beyond the statute of limitations for reporting negative credit history. I do not want to go through litigation, but if these accounts are not removed, I will hire the best consumer law attorney that I can find to represent me, and I will seek the greatest possible compensation for Sallie Mae/XXXX violation of FCRA laws.
Consumer complaint received 2016-12-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Performant Financial Corporation (ME)

Entered agreement with Performant Recovery Inc. to pay nine months of agreed upon payment to have my Federal Student Loans Rehabilitated. When the nine month period was satisfied Performant indicated they calculated my payment wrong and that I needed to start the nine month period over.
Consumer complaint received 2017-06-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

In    XX/XX/XXXX  we purch ased a home on  XXXX  Ohio from the owner for {$48000.00} we made payments for over 5 years until    XX/XX/XXXX . Whe n I  contacted the mortgage company the concern was the extra {$2200.00} they where attempting to collect. I was informed it was for home owners insurance I informed the company we had outside insurance with  XXXX   XXXX  whom I had send them the declaration I was told it was never received so I ask them to send it again. I informed the company I was not paying for their insurance. Then I requested a statement of payments for the past year. To find most of the payments was going to interest and insurance. I again contacted the company informed them of the problem stating I will not pay anymore until the matter is fixed. In   XX/XX/XXXX  we where informed due to non payment they where filing foreclosure. We moved out  XX/XX/XXXX  informing the company we will not pay. In  XX/XX/XXXX  as I was denied for employment I researched the issue to find that I had a nuisance warrant for my arrest f or the property. I contact the city to be informed the title had been released and it was in our name. Because we had it lived in the state for over a year we did not wish to return. We then was informed by another company that we owe them {$48000.00} for the property. So we ow e  XXXX  c ompany we have no idea who they are and we own a home we no longer wish to have.   XX/XX/XXXX  t he city of  XXXX  took possession of the property for none payment of property taxes. So now we do n't own the home and we still owe this other company {$48000.00} plus interest to where they state we owe {$62000.00}. No one can answer my questions o what happened to the 5 years of escrow paying {$420.00} a month with {$5000.00} down that makes it over {$30000.00} that we have no idea what happen to it nor where any payments went for this home. So my complaint is that they not only took our money they are asking for more. Now based on my memory  in  XX/XX/XXXX to  XX/XX/XXXX  t he lenders name changed like  4 diffe rent times without notice to find out it was the same company just changing their name.
Consumer complaint received 2017-01-10
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

It all started on XX/XX/XXXX ; when My house caught fire and burned, It was a total lost and all we had was a force place policy insurance that covered the loan not the value of the home we had been staying in the house for 11years at that time we saved up enough money to had on the house because we could get a loan. we started out with about XXXX feet of space in the home. and we saved up enough money to enlarged so we added on about XXXX sq. feet which increased the value of our home we had the XXXX sq. feet insurance but not the other so the bank had a forced place policy on the part they had so when we enlarged we took out a loan on the house so unfortunately as I already stated we got burned out with a force place policy in force which was about XXXX dollars now everything we owned was in that house that got burned up also everything we own was in that fire. gone up in smoke so we contacted the bank about the policy and they approve a contractor that only had painting experience they finally had to go to court with the contractor they had and stayed in court for one year and a half before they release anymore funds. on XX/XX/XXXX. they send check for XXXX the contractor said that would n't even buy the gas that took him to com back and forth it was a night mare for me and my family the contractor required Bi-weekly payment a bank should known what Bi-weekly means I wrote the bank a hardship affidavits they padded it no attention at all regardless of what they had invested in the property themselves XXXX by the time they got through with me I owed them XXXX dollars in taxes and fees it get worst than that they had third party venders to jack up the price every month I had to go to Environmental Court about how nasty that property was I got all the proof in the city where I live the actual cash value payment was XXXX, the insurance the replacement cost was XXXX, Less contractor profit and overhead, we choose a contractor that build the house back for that the money that was the actual cash value payment which was XXXX but the bank charged me XXXX of they way of taxes and fees that took them 3.5 years to build because of court and just slow fullness with third part venders that were supposed to be cleaning up they argument in court was they did n't sign anything with the contractors I have proof that hey at least approve them to do the job. by sending them a check and stopping payment on the check because they did n't know what they where doing.
Consumer complaint received 2016-11-05
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

Portfolio Recover Associates is reporting a revolving account, as a factoring company, on a monthly basis on my credit report. The account that they claim to have purchased was in charge-off status prior to their acquisition of the debt and is therefore being reported inaccurately. This was disputed with the credit reporting agency in XXXX of 2015, and the collection agency verified the account and continued to report a monthly payment history to the CRA. They have also failed to provide the requested verification documents to prove the validity of the debt and the amount owed. In section XXXX of the recent Consent Order on CFPB File # : XXXX, it is stated that Portfolio Recovery Associates has a history of misrepresenting their intention to prove debts, and that misrepresentation is in violation of Sections XXXX XXXX XXXX and XXXX XXXX XXXX of the XXXX. Knowingly reporting inaccurate information to a credit bureau, as evidenced by their verification of my previous dispute, is also in violation of the FDCPA.
Consumer complaint received 2016-09-09
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc. (GA)

I have never had a bank account with XXXX XXXX. They claim I owe {$250.00} but they can not tell me why I owe that money.The debt collectors can not tell me why they think I owe them money. They kept asking me for my XXXX XXXX account number, which since I never had an account, I can not give them. I called XXXX XXXX, gave them my last XXXX of my social security number, they did a check and decided I did not owe that money. They referred me to their check fraud claims department and they want my full social security number and that I fill out an affidavit. I have no obligation to do anything for them because they have not proven I have a debt or given any real explanation for any debt. I have written them letters explaining myself but they still threaten me with closing " my claim '' if I do n't fill out their form within 20 days. This is personally identifiable information which they have no right to. I would fine them for unethical behavior and not give them my driver 's license or social security number.
Consumer complaint received 2016-07-07
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX XXXX, Financial Sales, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA ; Telephone # ( XXXX ) XXXX, allegedly submitted vehicle loan applications without my authorization to CapitalOne Auto Finance ( reference number XXXX ) and XXXX XXXX XXXX XXXX ( # XXXX ). I had already purchased a car with my own financing. XXXX XXXX mislead me by stating " it is the company policy to run a credit check on every customer purchasing a vehicle, even though they do not need financing assistance from us '' to allow them to run my credit. XXXX XXXX, 2016, I became aware of the problem because the denial letters from the financing agencies arrived. I met with the Sales Manager, XXXX XXXX regarding this matter, requesting that the credit bureau agencies are notified and inquires removed. I am seeking your assistance with this fraudulent activity. I want the damage to my credit score from inquiries to be immediately removed. I did not authorize these transactions.
Consumer complaint received 2016-12-13
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: FIDELITY CAPITAL HOLDINGS, INC (CA)

I was an officer of a corporation that leased a building up until XX/XX/XXXX. The building was completely vacated in XX/XX/XXXX while a dispute on unpaid rents remained active. We made a settlement agreement of {$10000.00} in monthly payments of {$620.00}. All payments were complete and the matter was closed. On XX/XX/XXXX I received a notice from FCS Collect claiming that {$18000.00} was assigned to their office for collections for that lease. It shows {$13000.00} principal and {$5100.00} interest. I spoke to a XXXX there and provided an email with the check numbers and dates of the settlement payments and advised her that this was a time-barred lease agreement. According to California Code of Civil Procedure section 337, that the landlord was long past the four years statutes of limitations. She thanked me for the information and said she would pass it along to XXXX, the leasing company. I had not heard anything else back from her. Yesterday, on XX/XX/XXXX, I went to purchase a vehicle and to my surprise, my credit score dropped from 780 to 650 due to a bad/false claim from FCS for {$18000.00}. This effected my interest rate on the purchase costing me well over {$1000.00} of interest on my future payments. I contacted FCS this morning with my disappointment and prior to hanging up on me, they said " do not call back ''.
Consumer complaint received 2017-01-09
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Medical Data Systems, Inc. (SC)

Medical Data Systems has placed an account on my credit report. I have disputed this account with them several times to try and verify if the account is mine. I have requested that they send me a copy of the ORIGINAL contract with my signature and personal information verifying this account. They have never sent that information. This is also a Medical account so my medical/personal information was shared without my consent which is a violation of the XXXX policy. I have made them aware of that as well.
Consumer complaint received 2016-07-27
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (CA)

A Colorado company named Specialized Loan Servicing is managing my home loan. The calculations that they used for the escrow account are wrong. Being as such they want me to send in more money every month to cover their falsely calculated impound account. Every month. I have made my monthly payments every month. Today via a phone call I was informed that they will not apply my last payment because it was not paid in full. This will inevitably cause a " Notice of Default '' action to occur. 

In the past ( XX/XX/XXXX ), I had sent Specialized Loan Servicing documentation showing the correct information that is needed to calculate the proper property tax amount. I was informed that they did not receive that information. 

Can you assist me in helping Specialized Loan Servicing understand their errors and calculate the correct mortgage payment?
Consumer complaint received 2016-09-08
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A. (MI)

XXXX Best Buy : XXXX, MI I was purchasing computer products at Best Buy in XXXX, MI and when I went to complete my transaction and pay for the products the salesperson that was assisting me asked me if I would like a {$150.00} gift card or 6 months free financing? 
I stated that I would like the {$150.00} gift card and did not need financing. 
The salesperson retrieved my information from their records and both my last name and address needed to be corrected/changed. 
The salesperson needed to make a phone call to make the changes of my last name and my address. I believe I had to sign an electronic signature to change my name and input my SSN ( as I understood from the salesperson to make these changes ). 
I then spoke to someone from Best Buy on the phone to confirm these changes. At that point she asked me for my annual or household income ( at the time I believed this was for marketing purposes ). Then I asked the person on the phone from Best Buy who I believed to be changing my name and address if she was " pulling '' my credit bureau? She acted surprised by question and said " well, yes! ". 
I proceeded to ask the salesperson why would Best Buy would be " pulling '' my credit bureau? 
I 'm not certain the exact response from the salesperson other than something like ... '' that I would be able to use this card for future purchase, get my {$150.00}, and get future discounts etc.. 

I shared with the salesperson that I did not need or want a credit card and that he never asked me if I wanted a Best Buy credit card or told me that Best Buy would be retrieving my credit bureau. I felt very concerned about the safety of the information I had already provided Best Buy under the pretense of changing my last name and changing my address information. 

I believe this sales technique of offering a " gift card '' and then retrieving a consumer 's credit bureau without their knowledge ( and in my option, without my authorization or signature to do so ) and setting consumer up with a Best Buy credit card is very deceiving and unfair to consumer.