davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-21
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Financial Credit Service, Inc. (KS)

At XXXX and XXXX, on XX/XX/XXXX, I received missed calls from Asset Recovery Associates. ARA did not leave a message, so I returned the missed call at XXXX. The representative that answered my call, asked for my phone number. Then, he said he would transfer me to my representative. I do n't believe that the representative that took my call introduced himself. He called me by my first name, and immediately stated that an affidavit was being filed, and a judgement was going to be made against my social security number. Allegedly, I opened a car loan in XX/XX/XXXX, and supposedly defaulted on the loan in XX/XX/XXXX. I told the representative that I do n't have any knowledge of a car loan in XX/XX/XXXX. He then asked if I had co-signed on a loan. I told him several times that I have no idea what he is talking about, and expressed confusion regarding the situation. Before transferring me to the " fraud department, '' he verified the last XXXX digits of my social security number. The representative I was transferred to introduced himself as someone from the legal department, but I did not catch his name. He also addressed me by my first name only. I again explained that I did not have any knowledge of the account they were referring to. This representative took an accusatory tone, stated they had sent letters repeatedly, and called me a liar when I said I did not receive any correspondence regarding the account in question. I would like this debt collector to know that I do n't have any knowledge of a car loan debt. Furthermore, since the alleged default on the loan occurred in XX/XX/XXXX, it would be long past the statute of limitations.
Consumer complaint received 2016-08-02
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (AL)

unfortunately I did not ask the right questions about this " simple interest ''. I went through an ugly divorce in which I have the obligation of the automobile and all the remaining payments. They were more then happy to give me an extension during these rough times, but unbeknownst to me my principal balance wasnt budging a bit!!!! I bought the car brand new in XX/XX/XXXX and it is now XX/XX/XXXX and the principle has only moved a couple thousand dollars. This can not be legal!!!! I am giving them their payment every month Where is it going???? HELP!!!!!
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (WV)

I was never given the options for for the income based repayment option. Only forbearance and deferment. They payments were always more than what I could pay. When I did ask about the IBR options I was told I would not qualify with the status I was in due to exaughsting forbearance and deferment options and I would have to pay back at an intolerable amount each month. After a year of rehabilitation got on a program where I could actually afford the payment. Since this option was not made available anywhere near the beginning of my student loans my debt has more than doubled. There is a large amount of service fees that were added and my credit score has been severely affected. I have only recently been able to get a car loan and the interest rate I had to settle for is well above the national average.
Consumer complaint received 2016-12-04
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

I previously filed a report for Identity Theft with FTC. I have placed alerts on the XXXX credit reporting agencies. I attempted to apply for an auto loan on XXXX XXXX, 2016. Capital One Auto Finance failed to call and verify my personal information before running a credit report. I have asked in writing to remove the credit inquiry, due to failure to follow procedure with Identity Theft and they have refused, and will not remove their inquiry. I simply would like to have their inquiry removed, they failed to follow procedure, therefore it is invalid.
Consumer complaint received 2016-11-01
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (GA)

On XXXX/XXXX/2016 I purchased a cell phone for XXXX XXXX. At the time I had reservations about service coverage but I was told by the cashier I had 30 days to return the cell phone. I received poor reception in my area so I went to the XXXX XXXX XXXX Walmart to return the phone. Despite having the receipt I was told I could not return the phone because the return policy is 15 days. This is not fair, the phone is in perfect condition, I do not want nor need it, and I was given incorrect infomation from the store employee at purchase.
Consumer complaint received 2016-12-05
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A. (NY)

I applied for a Loan Modification with my mortgage servicer Citimortgage XX/XX/2016. I have complied with all requests for updated documents and have sent them all in a timely manner. To date XX/XX/2016 Citimortgage has not made a decision on my modification although I qualify under all of the guidelines : my loan is owned by XXXX etc. Citimortgage has also started foreclosure litigation against me even though I am in consideration for the loan modification. I can not afford a lawyer at this time and the HAMP program is set to expire on XX/XX/XXXX. Please help. I do n't know what to do. I have been employed at a new XXXX job for over a year now which pays me enough to be current on a modified loan. Thank You.
Consumer complaint received 2016-12-04
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FORD MOTOR CREDIT CO. (FL)

In 2014 I signed as a co maker for my grandson XXXX XXXX to purchase a new car through Ford Motor Credit account number XXXX. At the time of the transaction my credit rating with all three credit agencies was over XXXX and as high as XXXX. It never went below XXXX until this recent event. My grandson missed a payment but as co maker I was never notified until I discovered this on XXXX when to my suprise I found my credit score had been reduced by nearly XXXX points. I have never been notified of any problem even though I was legally obligated as a co maker. Once I became aware of the issue I called Ford and immediately paid off the loan in Full with the understanding that Ford would notify all XXXX credit agencies of their error in not notifying me of the problem and instruct them to remove any negative remark from my credit report. The loan is now paid off but my credit score only increased XXXX points and has not been restored to the XXXX plus number I have always received. I was my credit score reinstituted to what it was. I have XXXX debt and over {>= $1,000,000} in assets. There is no possible justification for this low score.
Consumer complaint received 2016-11-01
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

I was going through a modification I completed all steps.I received final document and I had questions concerning documents regarding names on documents.They transferred my case to another department and was acts to provide a copy of my divorce decree from my ex-husband who I divorced back in XXXX and a copy of a quit claim deed.I provided her with those items.I was then told that my divorce decree had to say I was awarded the house.I originally told XXXX my point of contact that my divorce decree did not say .I informed her that it was n't until XXXX that my ex-husband signed the quit claim deed.I informed her that I documents from the appeals court of California stating that the house belong to me.I faxed them over to her and couple of days later I receive a letter stating I was dropped from modification review because I did not send modification paperwork .Not one time did my new point of contact mention the old modification paperwork and when I called my old point of contact I was told she was no longer handling my case.I feel that my point of contact did poor job in handling my case and that I was treated unfairly.I would like for Wells Fargo to reopen my modification review and also bring my mortgage current .I was told that payments was not do until XXXX because I was approved as long as I completed the trail period.I completed the trail period ahead of time. Wells Fargo was incompetent in approving my modification and they have caused me a financial hardship.
Consumer complaint received 2016-07-20
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

When I opened my credit card account I maintained an impeccable record. I even got a car loan with the same bank and paid off the loan with no late payments. Unfortunately, I became unemployed and homeless and did not have an income to pay my card payments. The card was closed and the account balance more than doubled with fees. Now that I am employed again, I researched a contact number for the bank who issued the credit card and I called them to find out the balance and if I could make payment arrangements. I talked to a manager who said they would make a one time adjustment to the balance and they gave me the total. I asked if I paid the balance would they contact the credit agencies stating the account was paid in full. I was told, " Yes. '' I asked if they could send me a letter to that effect and they said they would. I received a letter shortly after thanking me for agreeing to pay the balance by such and such a date. At no time in our conversation on the phone did the manager ever mention a date I had to pay the account by nor did I agree to pay by a certain date. I was told on the phone that once I paid the balance they would wait 22 days to make sure the funds cleared then they would contact the credit bureaus saying the account was paid. Now the letter was stating I had roughly 10 days to pay the lowered amount agreed upon or the original balance would be back in force. I sacrificed my paycheck and made sure I had called them to pay over the phone thinkng I could use my debit card. After waiting an extended amount of time on hold, I finally got through to a representative who informed me they do n't take payments via debit cards ; it had to be a credit card or check by phone. I do n't use checks so I had to get the routing and account number in order to proceed. I got the information and called the bank back. Again, it was a long hold time before speaking with a representative. I gave her my information and the payment went through. A few days later, I received another letter from the same manager who I had been dealing with and the letter states, " Thank you for your recent payment .... We credited this amount to your Capital ONe account referenced above on XXXX XXXX, 2016. 

If you have nay questions, please give us a call. If a thrid-party agency is servicing your account, your call will be automatically routed to them. '' Sincerely, XXXX XXXX, Account Manager The letter shows I still have a balance on the account which is not what we agreed to. XXXX XXXX said over the phone he was reducing the balance and in his first letter to me he said that also. Now that he received the money requested - he is changing my account balance back to the original amount.
Consumer complaint received 2016-12-21
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: DISCOVER BANK (TX)

In XX/XX/XXXX I was working for a company that was unable to pay a business Discover card. Despite the fact that the debt was time barred from collection against me in XX/XX/XXXX Discover reports to my XXXX credit report that the debt was charged off in XX/XX/XXXX AND collectible. When I call to ask why they are doing this they attempt to collect on time barred debt. They are falsely reporting a balance as COLLECTIBLE to my XXXX and XXXX credit report to collect on time barred debt.
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: SLM CORPORATION (MN)

I took out a loan with Salliemae before they spilt with XXXX. I took out what was recommended for my studies and now I will be paying for it the rest of my life. Salliemae and XXXX began charging me ( without warning ) almost {$1000.00} per month for my loans. I had not found a job in my field yet and was already struggling to meet my other bills so on XXXX when my first payment was taken out all of my money was gone and then some. I called and tried to get help but they told me they could not lower payments and could n't work with me. So I was forced to go on deferment as my over 10 % interest rate continued tacking on money to my already sizable loan for a full year. Every month I would call and plead with them to help me get on an income based repayment plan but every time they refused and advised me that, because I was able to pay them {$100.00} every time I went on deferment, that they could n't help so I should just default. I had run out of deferments after a year and was billed once again for almost {$1000.00} ( which I could not afford ) and so I had to default on my loan. A day after my bill was supposed to be due I received a call from a Salliemae representative asking why I had not paid. When I explained the above their response was " Well I do n't know why we would advise you to default, we want to help you repay your loans '' and it was at this point that they finally let me get on an income based program with a lower interest rate. 
However I find that I am not making a dent in what has now become almost {$100000.00} in debt due to my year of deferment and my default. The payments are still unreasonable and at this point Im basically paying off interest rather than the actual loan. 
My school ( XXXX XXXX XXXX XXXX XXXX ) was no better at helping than Salliemae or XXXX. The school gave us no assistance with finding a job after graduation even though there were promises to send us offers or recommendations. It became abundantly clear that the school was in it to make money, not turn out media professionals that it claimed to have done. The curriculum was a joke during my second year and if it was n't for having a few teachers who did n't want to XXXX us over I would n't have learned anything or gained experience that I needed to find my first job ( on my own about 8 months after graduation mind you ). 
Salliemae and XXXX have given false advise and no help when it was desperately needed that has effected my credit score, my ability to get loans in the future, and my general overall well being. XXXX did not provide the education promised which led me to have to fight to get an entry level job in my desired field.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (CO)

I have paid off my loan with a credit card, which I had to pay a balance transfer fee, because I had to continue to apply for what was offered to my for assistance which was a forbearance and I would have liked for there to be easier or less expensive ways to pay my loan when times were hard.
Consumer complaint received 2016-12-21
Product: Money transfers — International money transfer
Issue: Wrong amount charged or received — 
Company: WELLS FARGO & COMPANY (AK)

I wire transferred XXXX XXXX to a company in XXXX for their service, Wells Fargo charged me {$35.00} for their service, that 's ok but than they charged me an additional XXXX XXXX, claiming the recipient may receive less due to fees charged by the recipient 's bank and foreign taxes, How does Wells Fargo know? 
second now my customer receives only XXXX XXXX??, I consider that fraud, to make my customer happy I have to wire transfer XXXX XXXX, pay {$35.00} wire transfer fee to Wells Fargo and another XXXX XXXX, so where does this end? 
thank you
Consumer complaint received 2016-07-20
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Empowerment Ventures, LLC (WI)

My wallet was stolen and my Rushcard was used with my pin. I filed a dispute and was told because my pin was used, there was nothing they could do, they closed my case, and then told me to do a rebuttal and get the case reopened then they will investigate. I got a new card from them but I feel they should have investigated when I reported that my card was stolen.
Consumer complaint received 2016-12-04
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: Alpha Recovery Corp (OH)

I recently sent a cease and desist communication to Alpha Recovery XXXX ... I explained my situation to them ... pertaining to my current health situation and that in no way shape or form that I have means to pay..please do not contact me again ... received communication again pertaining to this same situation..going you can help rectify this problem ...
Consumer complaint received 2016-08-03
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The Leviton Law Firm, Ltd. (MD)

Ive received 2 voicemail 's from the XXXX XXXX XXXX representing XXXX in regards to a debt for my business. I called and spoke with XXXX, who stated that I owed a debt from a policy that I had from XXXX XXXX to XXXX XXXX. I had no knowledge of the debt so I asked for additional documentation. He could not provide that but offer to give me the contact of the debt collector. The gentleman by the name of XXXX XXXX was rude and could n't provide any additional information in regards to this policy/debt and asked me not to contact him anymore. Both parties will not send any documentations and I will not claim a debt that I have no documentation for. I have included the times and dates of our conversations. 
XXXX Voicemail ( Law Firm ) XXXX Voicemail left by XXXX ( Law Firm ) XXXX ext XXXX Case # XXXX Policy # given XXXX XXXX/XXXX/XXXX Phone calls between myself and XXXX XXXX Phone call between XXXX ( XXXX contact ) , contact # XXXX Please investigate this matter
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (MA)

I graduated in XXXX 2010 with over {$100000.00} in student loan debt. My loan payments to-date, per month are nearly {$1000.00}. I have paid every month nearly {$1000.00} since graduation and my student loan principal has not gone down, it has increased in fact. I tried several times to refinance or have my payments lowered based off of my income and I was told multiple times that my monthly payment is the lowest they can allow. I have paid almost {$84000.00} to-date and have nothing to show for it expect a higher debt. XXXX XXXX and now Navient did not work with me to lower my monthly payments or even lower some of my 12 % interest loans.
Consumer complaint received 2016-12-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Transunion is not doing a proper dispute investigation for 2 tax liens that are reporting on my credit report. The information has been verified and deleted from the other 2 credit reporting agency 's which is XXXX. ( they deleted them ). However transunion keeps telling me that the information is correct and has been verified. This is wrong because I did Not have 2 tax liens to begin with. It was only 1 tax lien which was paid in full. I had contacted the XXXX clerks office and it was agreed this information will be deleted from my reports. Transunion still has not deleted them and it is causing a hardship in me obtaining substatial credit as it is affecting my credit score in a negative way.
Consumer complaint received 2016-08-03
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ENCORE CAPITAL GROUP INC. (TX)

Someone other than myself who was not authorized by me has illegally obtained a credit card and defaulted on the charges. This collection agency purchased the debt from a credit card issuer that is no longer in business and illegally obtained a default judgment against me without my knowledge. When I was made aware of the debt, I requested evidence to support/validate the debt as belonging to me. This company has nothing to support the debt or judgment being accurate.
Consumer complaint received 2016-11-01
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CAPITAL ONE FINANCIAL CORPORATION (KS)

I made a P2P transfer from my CapitalOne360 checking account, using an option available on their online banking website. CapitalOne360 asked me to provide the recipient 's email ID ( and, that 's all! ) : the way it works is, according to them, the money will be transferred through " XXXX '' network and will be immediately deposited to the account connected with the email ID I gave. The intended recipient has an account with XXXX XXXX XXXX, and the email ID I entered is connected to that account. 

I made a transfer of XXXX dollars on XX/XX/XXXX. The money never reached the intended recipient 's account. He and I made a conference call with XXXX XXXX XXXX, they verified the email in fact is linked to his account, but no money ever reached XXXX. 

I called CapitalOne 360, escalated the complaint. But, I am told the terms of service I agreed was such that CapitalOne 360 is not responsible for any loss and that I should talk to the XXXX network that performs the transfer in the back-end. I called them, they said I am not their direct customer and that they can not help me. 

Now, I lost my money to some netherworld and CapitalOne blames me for using a standard P2P option available on their official e-banking site. They are not even willing to help me, bluntly saying the money should have reached the recipient or I should have already got my money bounced back. I asked them to give me the details of the recipient who actually got the money, since the intended recipient did not. They say, privacy rules do n't permit them. The CapitalOne360 senior agent to whom I escalated the complaint over the phone declined to give me a complaint reference number, saying complaints are identified by time stamp. 

This is my apartment rent payment due to the landlord. It should have reached him latest by XX/XX/XXXX. Now I am a defaulter. 

The intended recipient is XXXX XXXX ( XXXXXXXXXXXX ). This is exactly the email ID I used for the transfer. His phone number is XX/XX/XXXX. 

What are my options? Kindly help me!
Consumer complaint received 2016-11-01
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

The company continued to contact me and send me out a bill XXXX bill was 3 times in a week, when i asked them to send me proof of my signature and valid information not a statement that was from XX/XX/2004,, they refused, just kept calling me and refused to put debt in dispute. they continued to harass me after i contact information to attorney ... they then called my phone and told my roommate about the debt as well.