davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-03
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (IL)

I called Hyundai Motor Finance to make a payment over the phone since they are unable to take my payment online due to an issue on their end. While speaking with the agent, I informed her that I wanted to make my normal monthly payment of {$230.00}. She took the payment and waived the {$7.00} processing fee due to the issue I was facing online. However, she submitted XXXX payments back-to-back. XXXX for {$230.00} and XXXX for {$230.00}. I NEVER authorized a payment for {$230.00}. I checked my XXXX account this morning and saw the XXXX payments taken out which prompted me to call Hyundai Motor Finance. The gentleman I spoke with said he did not know why the previous rep took XXXX payments but offered to refund me the {$230.00} payment which would take approximately 20 days to receive. I explained that I never authorized the payment for {$230.00} so wanted that XXXX to be refunded. He said he could not because he ca n't refund service fees. I never authorized the {$230.00} payment or the processing/service charge, yet Hyundai Motor Finance refuses to refund that payment. This is highly concerning as I feel I was lied to and their negligence is only costing me my hard earned money. Please contact me so I can have Hyundai Motor Finance investigated for this. I also had an issue during the initial call when I asked them to waive a late fee due to their system issues and they refused. This needs to stop and they need to be penalized for these types of issues. I am a customer of several other financial institutions and have never had these types of issues anywhere else.
Consumer complaint received 2017-02-06
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Resurgent Capital Services L.P. (NC)

This collection agency company LVNV Funding LLC has failed to provide proper verification of the account they brought from XXXX. This company has not and could not provide information like documents bearing my signature that I owe {$350.00} to them or to any company. I want signed documentations from this company saying that I owe the amount they are trying to collect. I have written letters to XXXX about providing proof of documentation bearing my signature that the account belongs to me. They said the account was sold to this company LVNV Funding. Do n't matter the original creditor have the same account number as the collection agency, XXXX account that XXXX different companies have on my credit report. I feel they are trying to be smart by having the same account number under to different companies on my credit report which neither provided proof of documentations bearing my signature associate with the account number under my social security number. If no signed documentation bearing my signature stating that I owe {$350.00} then all files under my name and my social security number on my credit report should be deleted. I remind you that a person looking at the computer with this account number with my name to it does n't prove that I had signed any documentation that I owe the account. I have not signed any forms claiming the account. I also had XXXX, XXXX and XXXX to investigate this company/companies, and all they have done was let a person verify the account number with my name to it over the phone instead of telling them to fax signed documentation bearing my signature associate with the account number. That is not prove that this account belongs to me. I want documentation bearing my signature that I have signed to owing this account. If this company/companies can not provide or validate that information that I am requesting, then it should be deleted from my credit report.A person or persons should be able to provide and validate documentations bearing my signature associate with the account. I am willing to go to a small claim court in my state and city to clear this matter up with this company. I want validation of this account bearing my signature. Any copies of documentation is requested and if not then the entry on my credit report should be deleted immediately. I will be suing the company if no validation is proven bearing my signature for {$5000.00} in damages 1 ) defamation 2 XXXX negligent enablement of identity fraud 3 ) violation of the FCRA.
Consumer complaint received 2017-02-20
Product: Credit card — 
Issue: APR or interest rate — 
Company: DISCOVER BANK (NC)

my balance is {$6500.00} with discover credit card every time i make a payment of {$130.00} a month {$96.00} of it is evaporated in fee 's and apr i feel like i am beind robbed XXXX by them and they refuse any other payment plans with a closed account. it makes no sence to make a payment of {$130.00} a month to see {$96.00} a month of it hit there pocket. i could understand about {$50.00} to {$60.00} i feel my apr is way too high and discover refuse any other payment plans i asked for 10 % apr and i was told they rather have me defult and charge the account off at a 180 day loss then give me any help.
Consumer complaint received 2017-04-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ASTA FUNDING INC. (CA)

I first like to refer to case number : XXXX and Related Case Number : XXXX Wherein Palisades Collection LLC responded to my initial complaint filed through CFPB in XX/XX/XXXX by stating the following : " In the spirit of goodwill, Palisades Collection , L.L.C. will close the account as well and no further contact or collection efforts will be made. The account will not be sold. '' However, today XX/XX/XXXX I received two new collection notices from Palisades Collection, LLC one for {$2500.00} and another {$6800.00}. 

Palisades Collections LLC, knows full well that 1 ) this debt is not associated to me personally, is 2 ) long past the statute of limitations for collections, have 3 ) been notified already by my attorney in XX/XX/XXXX to cease and desist ALL communications and debt collections from me, and 4 ) the above quote from the most recent complaint filed in XX/XX/XXXX - wherein they promise categorically to cease and desist attempting collection. 

Therefore, I intend to file a mail fraud complaint against Palisades Collection, LLC for attempting to collect on a debt that they have already acknowledged is neither mine, nor collectible, and for which they have agreed in writing to " close the account as well and no further contact or collection efforts will be made. The account will not be sold. '' If I do not receive a satisfactory response from them through your offices to fully and forever cease and desist from attempting to communicate ( or to sell this bogus debt ) for collection, I intend to file with the State District Attorney in California and further to file charges with Federal authorities for Mail Fraud ( 18 U.S.C. Section 1341 ). 

Thank you in advance for contacting them again for something that was supposed to have been resolved four years ago. 

Sincerely, XXXX
Consumer complaint received 2016-04-27
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY (IL)

On XXXX XXXX i applied for credit card with XXXX XXXX. After 1 month of using the credit credit card, the suspended my account for any reasons. On XXXX XXXX my balance was XXXX dollars that i already paid. Finally XXXX XXXX Sent me the statement that included XXXX dollars for member fees. But i just got the credit lees than 1 month. My big surprise is that charged me for the late fees for the membership fees and they sent to the credit report and they drop my credit scores down. The amount was XXXX dollars. I called XXXX XXXX and let them know and thy told to pay the member fees and claims it back. Plse help me to get my money back and fix my credit for me.
Consumer complaint received 2017-03-07
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (GA)

This complaint concerns Indy Mac Bank. There are several issues to discuss concerning Indy Mac. First, I was told that I had to miss payments in order to be qualified to modify my loan. Secondly we were in the process of applying for a modification under the HAMP plan with Indy Mac, and they dual tracked us. We would receive foreclosure notices while in the midst of HAMP application, review and approval, up until the last moment. Thirdly, after I carefully submitted paperwork for review, Indy Mac would either call and say they never received it, or it had expired, and the entire application would have to begin again. Lastly, this whole process took nearly a year, the whole time being threatened with foreclosure. I wrote the State of Georgia Attorney General 's Office, called several National Hotlines for help and faxed Pres. Obama 's administration a complaint about the way I was being treated. Almost immediately after that, my loan modification was approved. At that time-XXXX, there was not legislation against dual tracking and requiring a homeowner to miss payments. I understand that is now in effect, and I am asking for relief from Indy Mac ( now XXXX Bank ). This process affected my health and XXXX immensely. I had XXXX very young children at the time, and looking back at that one year process and the negligence with which they handled the application process was a very bad memory. I understand now that certain mortgage companies have been and are being held liable for their actions during this time. Thank you.
Consumer complaint received 2016-10-22
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I sent a payment to Capital one and it was applied to the wrong credit card number. This left XXXX credit card with a credit balance and another with no payment made. Capital One is telling me that they ca n't apply the original payment to the correct card number or move the large credit balance left on the incorrect card without holding the funds and my credit up for at least 48 hours. They have had the funds for 14 days.
Consumer complaint received 2017-02-20
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Onity Group Inc. (TN)

I filed a bankruptcy that was discharged in XXXX 2011. At that time, XXXX was the servicer of my loan. XXXX was informed that I had surrendered the property through the Bankruptcy and I vacated the home. They applied for and received a lift of stay so that they could commence with taking back the property. Just prior to the Bankruptcy discharge, they sold the servicing rights to Ocwen. For years Ocwen called to collect on the debt even after being informed that I was protected by the Bankruptcy. Ocwen employed delay tactics by trying to get me to agree to a modification. It took Ocwen five years to sell the property. They issued me a XXXX cancellation of Debt but they have it coded incorrectly. It should be noted that it was due to a Bankruptcy. This is unacceptable and a violation of Bankruptcy Code
Consumer complaint received 2016-06-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

My previous mortgage holder was XXXX since XXXX and they approved my modification agreement to affordable terms in XXXX XXXX. 
In XXXX XXXX I was notified by Select Portfolio Servicing Inc. ( SPS ) that my mortgage was transferred from XXXX and they were not obligated to honor the modification agreement workout from XXXX. 
Therefore SPS rearranged the agreement and added back the arrears that XXXX removed for the agreement terms to work. 
SPS increased the mortgage beyond what I could afford and the arrears began to incur additional interest and penalties. I continued to pay the mortgage until XXXX XXXX while trying to obtain a new modification agreement with SPS. 
For nearly two years I continued to apply for the new modification agreement with SPS. In XXXX XXXX I was notified that the modification application and two years of effort was denied. They stated the numbers did not work for their investors and underwriters. 
Subsequently, they recommended and approved a Short Sale option in XXXX XXXX with a relocation allowance. The other option was foreclosure losses, a damaging credit rating and no relocation allowance. 
A purchase offer contract was presented to SPS by the real estate agent in XXXX XXXX. SPS sent a Short Sale Counter-Offer letter XXXX XXXX, XXXX. Subsequently SPS sent a denial letter XXXX XXXX, XXXX stating " The Short offer presented does not meet our minimum acceptable net proceeds. '' XXXX XXXX, XXXX letter states SPS " has received your request for a Home Affordable Foreclosure Alternative Short Sale Payment Plan. SPS is unable to approve your request for assistance at this time for the reasons marked below. '' " We have determined that this option is not available at this time. '' I have owned my home since XXXX. I had financial hardship due to economic decline in my field of work as a consultant. They were errors in the transferring of my mortgage since it transferred over 4-5 times previously and I obtained attorney consultation to assist me with pursue the errors with other mortgage companies in addition to SPS not honoring XXXX modification agreement. However, I am unable to pay additional attorney fees for research of documents over the last ten years. 
The equity value in my home has diminished by over {$100000.00} since the banks transferring my mortgage were taking place in the last several years. My home was appraised in XXXX at {$250000.00}. The current mortgage is {$230000.00}, which include the payments, penalties and interest accrued since the XXXX XXXX when the Short Sale Option was approved and in effect. The current assessed value according to the bank is {$150000.00}. That is {$83000.00} under the value of the current mortgage. 
It is my ultimate desire to keep my home and have the terms affordable and the arrears removed to the back of mortgage as XXXX previously proposed. Also, I would like the current principal mortgage adjusted to the current market value as assessed by the bank.
Consumer complaint received 2016-06-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: The Law Offices of Gerald E Moore & Associates, PC (WA)

I am a XXXX at same time, so we are so busy. And this company/debt collection calling looking for someone who never been a part or employee at this place at any time. I told them to stop calling, this is a XXXX, and I can not entertain them because we are so busy. They still keep calling ... And I called them back and told them to stop harassment, the lady/operator said is not a harassment and they need to resolve theirs issues ... which I have no connections to.
Consumer complaint received 2017-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

The XXXX County Recorder recorded a Federal tax lien on/aboutXX/XX/XXXXfor {$200000.00}. The Federal statute of limitations time limit has run out on this debt and should have been dismissed/removed on/about XX/XX/XXXX. I contacted the IRS and received no response. I have contacted Experian on their website several times on XX/XX/XXXX &XX/XX/XXXX and consistently get locked out of their system and get an error message that their system has encountered an error and to try again later, which has stopped me from filing a dispute and getting a copy of my credit report.
Consumer complaint received 2016-09-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

On XXXX XXXX, 2016 I found that there was an account for XXXX on my TransUnion credit report. I sent a certified letter on XXXX XXXX, 2016 to the address listed on my credit report. It came back as undeliverable. I then contacted TransUnion multiple times via phone and I also faxed them a copy of the mail I received back on XXXX XXXX, 2016 along with a letter asking for the negative account to be removed from my report due to inaccurate reporting. I was hung up on, told that they would contact the creditor but not delete the innacurate account and not transferred to the supervisor upon asking several times. 

Per the FCRA, this innacurate account needs to be removed.
Consumer complaint received 2016-06-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (WV)

This complaint is against Equifax. The other XXXX agencies removed these withdrawn tax liens last year. I have called and fax and mailed document and today was my final straw. I spoke to XXXX in the Customer Complaint area and he look at the documents that I sent from the IRS and he still would not withdraw them from my account. I spoke to my local county tax department where they was filed and they are showing withdrawn.. 

I lost my chance securing some credit I needed because of this lien. ( I also have that letter ) I do n't have enough money to hire a lawyer so I am hoping that you will help me. He told me it up to me to supply them whatever they wanted and I told him with my dispute they should verify with the county and IRS but he refused. 

I have names, dates and documents to support my claim. 

You are my last resort. They are not treating me fair and their holding my credit score hostage in the meantime. Equifax 's credit score is at least XXXX points lower than the other XXXX reporting agencies. 

PLEASE HELP ME!!!
Consumer complaint received 2017-04-01
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (FL)

After having a checking and joint checking account with Wells Fargo for more than 23 years I received a letter from Wells Fargo in XXXX of this year advising me that after reviewing the account relationship they had decided to close my accounts. No reason was given and no one could give me any reason for this arbitrary decision. I am in my mid sixties and have not had any bounced checks or anything negative. I also have a very good credit report. This unilateral and arbitrary decision has harmed me and turned my life upside down. I 've had to stop automatic payments, deposits, etc etc. I think it 's disgraceful that a huge financial institution which engaged in fraudulent activities should be allowed to unilaterally close muy account. As a senior citizen I expected to be protected from harmful banking acts. Your help will be appreciated
Consumer complaint received 2016-04-27
Product: Bank account or service — Savings account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (LA)

On XX/XX/XXXX I deposited {$200.00} into my savings account with Chase bank. On XX/XX/XXXX I went into the bank to request a bank card that was never mailed to me & learned that the account had {$0.00}. I told the banker that that could not be correct because I just put money in the account on XX/XX/XXXX & was told that money was withdrawn the same day it was deposited. I did not do the withdrawals & she called to report the transactions. One transaction was a miscellaneous debit withdrawal which is done manually but the manual withdrawal slip can not be produced! Chase reversed my credit saying that the investigation shows it was correct but have yet to show me a photo of the withdrawal slip or a photo of me completing the so called correct transaction ( both occured at the Chase main branch bank so I would like to see the proof & have them explain why my credits were reversed when I did n't do the withdrawals ). I had no reason to withdraw from the account because I took out {$300.00} from another account & placed the {$200.00} into my savings account and still had over {$300.00} in my other account, I did n't need to deposit money & then immediately withdraw it, I had a {$100.00} in my pocket & more than {$300.00} in another account days after the skimming transaction occured!
Consumer complaint received 2017-02-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (GA)

I have been in some form of bankruptcy since XXXX and paid my last payment in XXXX XXXX. At that point my loan went from a total of {$160000.00} to whopping {$350000.00}. All my loans double in size which should have bankruptcy stay and not capitalized interest. I requested someone from Navient to research how my interest was calculated I received an immediately approval of consolidation in order to stop the conversation. I need help to discern why all my loans have doubled.
Consumer complaint received 2016-04-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Thaxton Investment Corporation (TN)

Covington Credit in XXXX, TN, has been making excessive phone calls on a debt of under {$1000.00} belonging to my mother, who is in XXXX ill health, to the point that I am not responding, because when I do respond, they demand to her in spite of her ill health that renders her unable to leave the house, be left alone, or follow a conversation on some days. Today, XXXX XXXX 2016 at approximately XXXX, an associate with Covington Credit, XXXX XXXX, obtained my father 's ( my mother 's ex husband, who also has several health issues ) cell phone to call me, and used it to use threatening and abusive language towards my mother, specifically implying that she was a liar when she explained about her poor health and that for several months we had to choose between paying this debt and keeping the electricity on, and yelling at her over the phone while my father was trying to get his cell phone back from him, at which point he took my father 's cellphone out of his presence, and yelling at her, exacerbating her health problems. He also threatened police action on what is a civil matter, and demanded that she be in his office by Friday, XXXX XXXX, in spite of her repeatedly telling him that she could not make the almost one-hour trip that is physically exhausting for her, until XXXX XXXX, nor would she be able to commit to any sort of payment until that date. I am also making this report on behalf of my father, who informed him that he did not appreciate his conduct. I was a witness to this conversation on my mother 's end, as we turn speakerphone on when my father calls so that we can both talk to him. My father only only went in there to inquire as to what arrangements could be made, and to inform them that we would be in on XXXX XXXX to discuss payment. Due to the conduct of XXXX XXXX, we feel unsafe entering this business. My mother 's name will be the one appearing in the personal information field, as will my email address, as she does not have one.
Consumer complaint received 2016-10-22
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Weltman, Weinberg & Reis Co., L.P.A. (FL)

I have been making as much payments as I can for the past 2-3 years. I have XXXX total loans that I 'm paying. This loan in particular is refusing my payments as of XXXX 2016 because I 'm not meeting the interest.