davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-04
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK (MD)

I got my first credit card on XX/XX/2016. It was Discover. And my account was closed XXXX days after I got this card. A few days later they sent a message to me, saying that they closed my account due to unsuccessful payment history. I tried to pay off my credit card XXXX days after I got this card, which was XXXX or more days before the first due day. I 'm regularly paid and able to pay off the credit card every month. And I finally paid off before the first due day. The problem about the unsuccessful payment was that I was new to any credit card and any checking account in XXXX. I deposited a check into my checking account ( it was XXXX ) and made a payment to my credit card after XXXX bussiness days when I saw it posted. But this payment was returned because XXXX later told me for those who opened a checking account within XXXX days it would took XXXX bussiness days to process a check. So my payment was returned due to insufficient funds. I explained to Discover that it was because I was a new user and a foreigner and I did n't know so many rules of credit cards or checking accounts. I did n't even know unsuccessful payment history would result in closure of accounts. Payment can be unsuccessful sometimes and it is normal for a new user. I consulted other credit card companies like XXXX. They said they would just restrict some accounts due to unsuccessful payment and these accounts can be reactivated upon payment cleared. But that Discover just arbitrarily closed my account. I think Discover is not at all customer friendly.
Consumer complaint received 2017-01-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MD)

FAIR COLLECTIONS & OUT Account Number : XXXX look like this account is not mine, I asked XXXX to send me a copy of this debt with my signature on it showing that this account really belong to me and they fail to reply. I also never received a statement from their original creditor before sent to collection why??? 
Experian is really not helpful, this is my right ( XXXX & XXXX deleted, why Experian does not follow the basic procedure what proof do they have??? ). Please assist
Consumer complaint received 2017-01-04
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Credit Adjustments Inc (OH)

Recently while conducting a monitor of my credit report I discovered that CREDIT ADJUSTMENTS XXXX # XXXX has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from MEDICAL - CONSULTANT but I am unaware of the amount due and your bill does not include a breakdown of any fees. 
Additionally, I am allowed under the XXXX law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF XX/XX/1996 XXXX, to protect my privacy and medical records from third parties. I do not recall giving permission to MEDICAL CONSULTANTS to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more thatis to only be revealed with the patients authorization, therefore my request is XXXX fold and as follows, Validation of Debt, and XXXX authorization. 
1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you. 
3.Cease any credit bureau reporting until debt has been validated by me. 
4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that falsification of the information you received from any medical provider can be percieved as a XXXX compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.
Consumer complaint received 2017-01-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (FL)

occasionsSwitched cell phone carriers from XXXX to XXXX on XX/XX/XXXX. The final XXXX bill was brought to XXXX and they mailed us XXXX pre-paid XXXX cards with the early termination and fees total. We sent everything to XXXX and paid the outstanding balance so that we had a zero balance. The following month we received another bill from XXXX stating we owed another month of service totaling approximately {$280.00}. 

We contacted XXXX and explained we have all the documentation proving we had paid everything in-full and no longer was with them, but they were adamant we owed the money for a difference of XXXX days between the billing cycle and when we actually left their service. 

We tried on several occasions to correct the problem, but it was to no avail. After a few months we found that XXXX had actually put us in collections and it was having a negative effect on our credit scores and history. We started receiving repeated phone calls from a collection company ( ERC ), but again they just wanted the money and did n't want to hear anything but how we were going to pay it off. We finally researched how to file a complaint against these companies for their actions are awaiting resolution.
Consumer complaint received 2017-01-04
Product: Other financial service — Check cashing
Issue: Fraud or scam — 
Company: HSBC NORTH AMERICA HOLDINGS INC. ()

In XXXX a company I work for in the United States sent me a XXXX dollars payment by check by mistake ( because I always request bank transfers, not checks ) and sent it to the wrong address in my country, XXXX. This check was cashed by an unknown person. 

The company that sent the check always told me that I was the who had to make the claim to the bank, HSBC Bank USA, N.A., and so I made several claims and attempts to solve this issue, but given my country of residence communication was not fluid and it was difficult to send the requested forms, which were rejected, so I could n't find a solution as time went by. 

Last year ( XXXX ) I decided to contact HSBC bank once more and send new documentation and forms, unfortunately, this time XXXX XXXX Bank, XXXX. denied my claim to HSBC giving the following reason : " The statute of limitations or period for notice of a claim under either statute or your deposit agreement has expired. '' Despite the allegedly expiration of limitations, I feel that my claims were not taken seriously, especially since I do n't live in the US and I ca n't file a claim in person, causing that my money, which represent an important sum to me, is still lost.
Consumer complaint received 2017-01-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America has illegally placed an inquiry on my credit report on XX/XX/2016. When I called they can not locate my information on why this inquiry was placed. The inquiry still has not been removed. Please remove from my XXXX credit report. Thank you
Consumer complaint received 2017-01-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

I received a letter in the mail that i was declined for a credit card from XXXX, however i never applied for a credit card from XXXX. i contacted XXXX and they advised me that someone had submitted a credit card application in my name and that i should contact Experian to get my credit report from them to look for other credit inquiries. I submitted a request for my credit report from Experian and noticed XXXX separate inquiries on my credit report that i did not make. That was XXXX at XXXX. Ever since then i have been trying to get someone on the phone at Experian to resolve the issue and get the inquiries removed from my credit report. So far i have spent over XXXX minutes waiting on hold on XXXX separate occasions and still have not spoken with anyone who can remove the inquiries. I simply do not have the time to wait and wait and wait to speak with someone. Experian should be ashamed of themselves for creating such a dystopian, maze-like procedure where nobody is accountable, no options are available to speak to a human, and no disputes can be resolved. It is obviously a system devised to keep staffing costs down at the expense of the consumer. Terrible!
Consumer complaint received 2017-01-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (TX)

Dear CFPB, I am reporting an issue with Equifax that concerns fraudulent credit inquiries on my report. 

At some point in early XXXX 2016 or before, my social security and personal information were obtained by an unknown individual. I became aware when I checked my credit report for information concerning the collection account discussed above. Unfortunately, I discovered multiple credit inquiries which I had not made. I disputed those inquiries and some were removed. However, more applications for credit cards were made even though I had place a fraud alert on my account with all XXXX credit bureaus. Subsequently, I have place a security freeze on my credit report with all XXXX credit bureaus. Since then, it has proved difficult to engage Equifax in removal of the remaining fraudulent credit inquiries. I have contacted the companies at which the applications for credit cards were made and they informed me they notified the XXXX credit bureaus to remove the inquiries. Still, the inquiries remain ... I have listed the fraudulent inquiries below : Equifax : ( i ) XXXX XXXX XXXX - XXXX XXXX, 2016 ( ii ) XXXX BANK XXXX C - XXXX XXXX, 2016 Equifax has sent me the " results '' of its investigation and stated I need to contact the creditors. Well I have contacted the creditors and they said they contacted Equifax! It seems they will send me in an endless loop! Please see attached document for details of the inquiries from my Equifax Credit Report.
Consumer complaint received 2017-08-26
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aspen National Financial, Inc. (HI)

Received a collection notice in the amount of {$3500.00} for maintenance fees on a timeshare from XXXX XXXX XXXX , XXXX . The amount includes {$1100.00} in fees from previous collection company " XXXX XXXX XXXX, '' and {$880.00} in fees from XXXX XXXX XXXX , XXXX . The original debt was {$1400.00}. We attempted to make payments to Aspen who returned our payments when made. We disputed the debt for excess fees greater then allowed by law, but nothing happened. Now this new collector " XXXX '' is attempting to collect {$3500.00} by adding {$880.00} in fees on top of the {$1100.00} in fees tacked on by Aspen to the original debt. Aspen sold the debt to XXXX including their collection fees. The original contract does not include allowed interest or excess fees. Aspen also tacked on interest from the beginning, adding interest before they actually owned the original debt which is not allowed under the FDCPA.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CO)

Equifax was hacked and lost personal data, including the names, addresses, and Social Security numbers of about 143 million U.S. customers. Using their provided service at http : //www.equifaxsecurity2017.com/, I checked if I was affected and was informed that I was.
Consumer complaint received 2016-04-26
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY ()

wells fargo bank are lieing cheeting scum, They say they can not contact me? why, ihave lived XXXX all my life and XXXX bank, wachovia bank, wells fargo bank, have my tel no my email address, they served my court documants by email? yhey have had all my details and proof or paymants cashed into mortgage acount paid i have letters from XXXX bank proof paymants were cashed by wells fargo bank, please answer my question why would wells fargo bank telephone XXXX XXXX XXXX and send letters XXXX XXXX when wells fargo sold the property to a third party on the court steps $ then sold within 1 day over $ XXXX more, wells fargo have not put any sale figures in any coresspondance? i request who it was sold to and how mutch, i also request how many houses this person has purchased of wells fargo bank. please also answer my questions no 1 pickapaymant mortgage why was i not compensated $ court order, no2 forced home owners insurance at 3 times the prev amount $ compesation $ court order no3 Fraudulent forclosure $ court order, no4 overcharging removal of funds escrow acount court order no5 predatory lending 50 % home value $ court order no6, FHA insurance {$12.00} XXXX compensation for fraud and perjury supreme court order, no7 no missed paymants acount in credit also escrow in credit $ wells fargo bank also hold a co signed home insurance damage check {$2500.00} for work i had completed theft, no8, the cfpb have all the information yet i have not tecieved any compensation on any of these court compensarion orders, dosant that ring any bells cfpb what are you going to do for me a consumer or i have been deliberatly miss sold a mortgage and request full compensation for the theft of my property XXXX, please answer my questions and stop bluffing and side tracking i want answers thanks
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (TX)

I advised Navient that I wanted pay off my loan as soon as possible but was n't sure of future income. They advised me that if I place myself in a XXXX year program but make extra payments that I could have my loan paid off quickly without worrying about not making double payments every month. With a XXXX/month payment at XXXX years I was making XXXX/month payments but my principal was never going down. Multiple months they miscalculated how much was going to interest and how much was going to principal. 
I am constantly on the phone with them having them audit the amounts that go to principal and interest. After XXXX years and a total of {$26000.00} paid my interest only reduced by ~ $ XXXXXXXX6.5 % interest. When I consolidated my loans I expected a lower interest rate as a combination of my previous loan average interest rate. However, that does n't seem to be the case. I was never informed of any income based repayment plan.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (CT)

I have been given the run around since I started repaying my loans. I have trouble affording them at all, but I pay just over what I have to in order to pay towards the principle balance. When I called the loan company last time, they told me that the total amount of loans I owe has actually gone up. Which either means they pulled something funny, or they increased my interested without notifying me. They also told me that I could lower my payments by doing an income based plan, but when I applied, it actually tripled my payments. They had entered all of my information inaccurately when they initially gave me the information. Also - when I first had to start paying my loans back when I got out of school, they never notified me that they were due. I was months late, which I could only imagine what that did to my credit and gave me in penalty fees. I could go on and on regarding the issues I have had.
Consumer complaint received 2017-01-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX is reporting my accounts as charged off and late even though the information is over XXXX years old. I requested that accounts be taken off my report, but to no avail. Additionally, I filed bankruptcy XXXX in 2010 and the accounts were discharged.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: South Carolina Student Loan Corp (MA)

My loan was broken up into XXXX loans ( loan A and loan B ). I paid faithfully for months yet loan A was never paid off. They kept my balance at a low amount so that they could continue charging interest on loan A. While I thought I paid loan A off months ago, I signed into my account and noticed that it was never paid off. Upon speaking with a representative, I was informed my payments began being applied towards loan B and I would have to send a separate payment for the exact amount to pay off loan A. No one ever informed me of that, instead they continued charging interest.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (FL)

Me and my wife have been trying to work with Navient for the last five years to lower our monthly payment now they have declared us in default. I have been unemployed on and off for the last five years, we have mostly been using my wife 's income to make ends meet. We can make payments just not the XXXX a month they want us to pay ... I had tried in the past sending monthly payments between XXXX and XXXX but that didnt even cover interest. Now our Student Loan Debt is over {$92000.00} dollars our original Student loan amounts were only a total of {$42000.00}. Also my wife has spent the last 20 years working at XXXX and since our loans are consolidated we can not take advantage of any debt relief programs.
Consumer complaint received 2017-01-19
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

I submitted paperwork to the mortgage servicer regarding a short sale and this company is giving me the round around, in fact they are working hard in foreclosing on my house, I have submitted my financial statements, a purchase contract have been accepted but they have not approve my short sale
Consumer complaint received 2017-01-19
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: COMMUNITY CHOICE FINANCIAL, INC. (CA)

A representative named XXXX XXXX from Intake Department called me at approximately XXXX saying that they are in possession of a debt CPM XXXX from XXXX from XXXX 2007 in the amount of {$300.00}. He said that I am being named in a Civil Lawsuit as the Respondent pending a lawsuit of up to {$15000.00}. XXXX XXXX never indicated that the call was being recorded nor they were a debt collector trying to collect a debt. I was asking for verification information because I do n't recognize the debt and it 's ten years old. He said he will tell the client that I am refusing to pay the debt, he never offered to send me a copy of the debt either by mail or email. He was rude and angry he also over talked me and then hung up the phone in my face. He never offered to send me a confirmation letter of the debt. He called my estranged husband with the same threats and we are separated.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (FL)

Navient student loan pushed me into forbearance years ago, which lets me take a short break from making payments. Interest payments on the loans continued to grow during this time which is illegal. I started with a {$17000.00} loan back in XXXX and now the balance is well over {$23000.00} in XXXX! I feel I have been deceived and taken advantaged of and looking for COMPLETE financial relief along with the other XXXX XXXX people that they have scammed for making my life a living XXXX. This has put such a burden on not only me but my family who is trying to purchase our home to raise a family but these CROOKS seem like they " Stealing '' the American Dream, no pun intended.
Consumer complaint received 2017-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Got a student loan from  XXXX   XXXX  and got behind on payments due to health issues.  XXXX   XXXX  then sold account to a collection agency,  XXXX   XXXX .  XXXX   XXXX  's " Credit Item '' on my credit report is reporting the account as " Student loan permanently assigned to government '' yet this account remains at a collection agency not a Government Agency like Department of Education.      XXXX   XXXX   XXXX  are reporting the account as a collection account n ot a Student Loan Education Account, and they are not showing as current. I have been making  automated payments since  XXXX   XXXX ,  XXXX  faithfully in the amount of {$200.00}, but in  XXXX / XXXX / XXXX  amount went up to {$200.00}. On my credit report the payment history still show s as " Past Due '' with no payment listed as " OK '' it has a " C '' which represents Collection.      The payment history not reflecting as " Paid as agreed '', the payment history not reflecting any payments is hurt ing my efforts in trying to get a home. It is also affecting our marriage and causing mental anguish. I h ave spoken with  XXXX   XXXX  and their answers a re : " Sorry, W e ca n't do nothing about it ''. No remorse or consideration to the payment arrangement. I feel that I am not getting any kind of credit for making on-time payments to  XXXX   XXXX  for the past 3 years. I am doing my very best to pay back this loan and they refuse to report correctly to the credit bureaus.
Consumer complaint received 2016-09-14
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Pressler & Pressler, LLP (NY)

I have now left 2 messages on the legal resolution team at Pressler and Pressler after receiving a second letter from their offices. I spoke to someone this afternoon and the amount I " owe '' has increased from the {$820.00} ( amount which was repeated several times throughout our communication as well as the number presented as part of evidence in their notice of motion paperwork. I would like to understand how the sum owed has substantially increased as of this afternoon to well over {$1000.00}.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

My personal information was stolen in a data breach at Equifax from mid-XX/XX/XXXXthrough XX/XX/XXXX. The hackers accessed my name, Social Security number, birth date, address and possibly my driver 's license number and credit card numbers.