davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC (KY)

I am making payments to ECSI and I am trying to understand the " fees '' or " charges '' associated with paying my loan. My concern is specifically around " Service charges '' that are applied when you pay your loan using certain payment methods. Financial institutions are to disclose all " fees '' or " charges '' in accordance with UDAAP to the consumer. I do not believe ECSI is doing this and should be held accountable ( although " Federal '' ) to the same standards as all other lenders. 

If I log into my bank and pay my loan with the institution I should first be aware of all fees associated and these fees should be fair to me. In regards to my student loan and I am a young professional trying to get on my feet. I took the loan because of the interest rate and I did n't have many other options. I am now paying on my loans and everytime I go to make a payment I am being charged a " service charge ''. This service charge appears to be different depending upon the payment method I choose. In addition, the charge seems to go up depending upon the amount I pay on my loan. The greater the amount I pay the more the " service fee '' goes up. My questions I would like answered : 1. Why is there a " service charge '' being applied to student loans each transaction a when a young professional is trying to pay their loan off? This seems unfair and does not keep the customer first. 
2. Why is this " service charge '' not disclosed online and why are the details of how they come to the " service charge '' not disclosed online? This seems deceptive and unfair. 
3. Why does this " service charge '' go up based off of me paying more on my loan? If anything the service charge should go down when I pay more. I was charged {$4.00} sense for paying a {$100.00} amount with my Debit card. The fee goes down to {$2.00} when I pay {$40.00}. This seems unfair, deceptive, and abusive to the consumer. 
4. Why is the " service charge '' different for each different type of payment method and why is this not disclosed to the customer as to why each different type of payment method is different and how they come to the charge? This seems unfair and deceptive. 
5. The Federal Government should be held to the same standards as any other Financial Institution due to them becoming a money lender. When a student who is trying to do the right thing and pay off their loans is being nickeled and dimed in addition to the interest that they are paying and any other late fees just to make a payment it is not right. Every time I make a payment I am being charged almost {$5.00} dollars in addition to the money I already owe. Does this compare with the standards regarding how banks process loans? 

In conclusion, the volume and likelihood of this happening to all other students is very high. The amount of money being collected from " service charges '' appears to be unfair, deceptive, and abusing to the borrower.
Consumer complaint received 2015-03-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I recently joined creditkarma.com to begin to rebuild my credit. 

Shortly thereafter, I discovered an account in Collections from XXXX XXXX XXXX for {$470.00} through XXXX XXXX XXXX, XXXX do not have an account with XXXX XXXX XXXX and have not since I allowed a cellular contract to expire in XXXX. 

To summarize, I had a XXXX year cellular phone contract with XXXX XXXX XXXX that began in XXXX and the contract expired in XXXX. I did not renew the contract opting to pay on a month-to-month basis. 

So, at that point, I did not have an outstanding balance with XXXX XXXX XXXX and began using " pay-as-you-go '' service until around XXXX when I began " rate shopping '' with other pre-paid service providers. 

I do not know from where these charges originated and have no records of any accounts with XXXX XXXX XXXX for any services of any kind since I changed to other pre-paid service providers a few years ago. 

As I have no accounts with XXXX XXXX XXXX, I have no documents to attach. 

I would appreciate any assistance you can provide regarding this issue. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2015-10-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (AZ)

I have requested this debt to be valided and proper documentation provided to support that I was in contract with XXXX and had past due Cell Phone bills. I disagree that I was in contract and that debt was still owed. After 2 years, hours adding up to over XXXX speaking with XXXX as well as RPM no contract can be located ( there was no contract ). At that time XXXX lowered the debt from {$1900.00} to {$1100.00} I continued to dispute as I know I was not in contract and the response from RPM and XXXX was proven incorrect at which point the reason for the debt was changed. They stated that I cancelled during contract I advise I was not in contract and to supply me the contract at which point RMP asked me to supply them proof I didnt have a contract! That is not even possible as XXXX does not exist. When speaking with XXXX they advise that THEY turned me off for non-payment as the amount being reported was higher than if there was a contract cancellation. I provided XXXX with proof that I was no longer with them and transfered all my phones XXXX XXXX and that if THEY were the ones that turned me off for non-payment I would not to this day have the same number. That is when they lowered the amount as stated above. At that point I offered to settle for {$350.00}, I had already disputed this again for years, was verbally abused by the collectors, disputed it with the credit bureaus, sent in a Qualified Written Request, which no response was ever provided and this showing on my credit bureau has destoryed my rating and falsely represents my ability to maintain my credit obligations. RPM stated they would have to get approval. I called back and they advised me XXXX would accept {$400.00}. I asked for a letter to verify that they would be removed off my credit and that we would settle. I waited XXXX business days and called back. Was informed that the account was cancelled by XXXX and Transfered. I asked for a letter in writing stating what has occured and was provided a letter and was told that they would report to the credit bureau as cancelled. I have again spent months trying to get them to update as THEY ARE OBLIGATED TO DO. This debt is not only showing on my credit but now for XXXX different amounts, {$1900.00} and {$1100.00} and dates!! This is a direct example of their business practice.
Consumer complaint received 2016-10-26
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Core Advisory Group, LLC (CO)

Core Advisory, XXXX XXXX and his company and staff took {$3900.00} to work on my behalf to get my home out of foreclosure, reduce all the add Rd fees and get me a new loan modification. Core Advisory Group did nothing to help me and lied and as soon as they got all of my money never returned calls, or did a single thing to help me. The company actually told me " I was a difficult client '' and they would have a meeting to decide if they would continue to even deal with me. XXXX told me he 'd call me back with a d vision and BEVER again called me or answered my many calls or emails!!! This is a very bad, crooked company. DO NOT believe a single word they tell you. Once they sent a notary to my home to get my {$3900.00} dollars, they quit even taking my calls
Consumer complaint received 2016-04-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (WY)

Our loan is serviced by Ocwen. We inquired about a payoff amount in XXXX. When we received the payoff amount in addition to the principal amount due it included over {$16000.00} in an interest arrearage. This {$16000.00} was kind of hidden. We did do a forbearance on our loan back in XX/XX/XXXX which did alter/increase our payments for a period of time ( about a year ). The loan was transferred or sold sometime after that. We have asked Ocwen on many occasions since XX/XX/XXXX to provide documentation of an agreement to pay this additional interest they are adding on our payoff. They keep putting us off saying that they are opening a research request and then the issue went to an Escalation Manager who is also continuing to " research '' the issue. As of now they still have not provided any documentation saying that we would be charged this additional interest. We have been sent a Balloon payment notice saying that our entire loan is due and payable in XXXX, XXXX. They are trying to force us to pay this additional interest that we have not ever agreed to pay and do not feel that we owe them.
Consumer complaint received 2016-03-25
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One was not clear about their promotional offer for 0.0 % APR for 18 months. I just bought a house and was going to use the offer as a free loan to buy all the furniture I needed for an empty house. After spending XXXX in one month, I received a bill for the " Purchase Saver Amount '' for the full amount ( or I would pay interest ). When I signed up for the promotion, I was under the impression that I would not have to pay any interest on future purchases for 18 months. After an online chat and a phone call with Capital One, I was informed that the offer only applied to balance transfers and did not apply to future purchases. Not only would I not have signed up for the promotion whatsoever had I known that it was only for balance transfers, but I also would not have spent XXXX in one month! I saved the promotional email which is deceiving. It explicitly states " Want to avoid paying interest on new purchases? If you accept this offer, you can avoid interest on new purchases. Pay the Interest Saver Payment ( your minimum payment plus all non-promotional balances, including purchases, cash advances, fees, and finance charges ) by the due date each month, and you wo n't pay interest on new purchase transactions '' I do n't need a promotion to pay my credit card balance in full every month. I can do that without jumping through hoops to sign up for their promotion. This is the most deceiving fraudulent experience I have had in a long time! This deceptive tactic tricks users into signing up for a promotion where they believe their problems are over and they will have 18 months of no interest, so that after the users ( who probably would n't have spent the money anyway ) rack up a massive credit card bill, they tell you you must pay the entire balance to avoid interest! Truly unethical. This practice needs to be stopped. Companies like this are why the average American is in XXXX of debt. I lost {$300.00} balance transferring the amount away from my Capital One card onto other credit cards that " actually '' are giving me 0.0 % APR. I will be closing my account ASAP. Thank you for your time.
Consumer complaint received 2016-03-12
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

hi my name is XXXX XXXX, and I have been a customer of capital one for over a year, I had my identity stolen, and I reported this to my local police department. After viewing my capital one statements, I noticed alot of fraudulent charges were on both of my credit cards that I hold with CAPITAL one, so I called to report these numerous of transactions, I was told bye Capital One team members, that they would do an Investitation, for 30 days and they would then refund me my funds, however they only refunded a few fraudulent charges per card, after calling them numerous of times, But still they have not refunded me for all fraudulent charges, but they advertising zero fraud libility, this is false advertising, however Capital One changed my credit cards numerous times after the fradulent activities had already taken place. This is totally not fair to me as their customer, to continue to pay for these fradulent charges.Everytime I contacted them about these charges, they told me that they would have a team member of their management to contact me, but unfortunately no one never called me to resolve this matter I am very upset with them, I am XXXX, and is not able to keep paying these fradulent charges. I continues to make my monthly payment to them on time, so it would n't damage my credit anymore than it has already.
Consumer complaint received 2016-12-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I called Transunion twice to talk to someone about inquirys on my report. Im trying to understand why all inquirys was removed from my report when I checked. I pull my report and transunion has reinserted what they previously deleted. This is a breach of FCRA 611 5 ( B ). I didnt recieve any notice in the mail, email, or by phone of anything. And the representative would not help me and explain to me why this happen. I listed all inquirys below XXXX XX/XX/XXXX XXXX Misc XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2015-04-20
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Concord Resolution Inc (Closed) (OK)

Placing a order of validation. Call back withdrawal XXXX hr. Repetitive messages. Without saying who or what the derby is for. When you call back no answer or advise to leave a news. Sounded fishy so hung up!
Consumer complaint received 2016-03-30
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

My husband lost his job and only received one month of unemployment benefits. During this period we reached out to our lender XXXX to see if they could offer us a modification. They sent us an application and we received a letter dated XXXX/XXXX/XXXX and our new trial period plan would start on XXXX/XXXX/XXXX in the amount of {$1200.00} which is a difference of {$340.00} from the original payment of {$1600.00}. We completed the 3 month period and would call XXXX on the status of the modification with XXXX XXXX the relationship manager for the loan account. She indicated to us to continue making the {$1200.00} payment and just just waiting for the final docs. We continued making on time payments up to XXXX XXXX a total of 9 months. We did not receive a call from XXXX just a letter stating " Interest Rate and Payment change schedule from 2 % to 4 % on XXXX/XXXX/XXXX in the amount of {$1600.00} and on XXXX/XXXX/XXXX to 4.75 % {$1700.00} P & I only! That is huge difference of over {$500.00} a month compared to the {$1200.00} included taxes and insurance. The reason we not got the final was they were waiting for the rate to take affect which we were not aware of but they XXXX should have complied with what they offered us in the first place to modify our loan. We are currently 11 months behind at the present moment. XXXX has since transferred the loan to Rushmore Loan Management services which they have failed or deny our modification because of our income.
Consumer complaint received 2017-03-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (SC)

GreenTree sold our mortgage to ditech after my father passed away 10 years ago. They chane our payment rates, have us late every month, and refuse to transfer ownership via probate order. Now they are refusing to take any payment from us.
Consumer complaint received 2017-01-06
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ECMC GROUP, INC. (CA)

A California attorney and/or debt collector by the name of XXXX sent a letter to my place of work indicating that she would be suing them on behalf of ECMC. She sent this letter on XX/XX/XXXX, and it was received on XX/XX/XXXX ( letter attached ). She indicated that she was going to sue the employer for a " debt '' that has already been dealt with by more than one complaint filed with the CFPB. She received immediate communication back on XX/XX/XXXX. In addition, ECMC had claimed that it had retained California attorney, XXXX to defend it against FDCPA claims. XXXX office was contacted, and they continued to claim that his law firm was handling the matter and that there should n't be another attorney. Without respect to the confusion that was caused, multiple email forwards were sent to XXXX indicating that I do not have any debts owed with ECMC. She was told that she was not to contact my place of employment via certified mail, telephone, email and facsimile. She was immediately sent documents indicating that there was no Administrative Wage Garnishment in effect and that there was, therefore, no potential claim against my employer. Nevertheless, she still contacted my place of employment on XX/XX/XXXX, emailed the CEO, and spoke with the CEO twice. She then claimed that she would also be contacting the payroll company. After receiving a Cease and Desist and Notice of Intent to Sue, as well as having complaints filed with the CFPB, ECMC and its agents have contacted my workplace a minimum of an additional seven times and have contacted my former college to attempt to obtain records. Unfortunately for them, the records of the college - which have parts blacked out by either ECMC or the college - reveal that I was fraudulently classified as a law student ( I never applied to law school, and I, therefore, certainly did not attend law school ) and show that I made direct payments to them. This corresponds with my own receipts for payment, which I ordered a hard drive reader to be able to produce for their former attorney, XXXX. ECMC - under threat of lawsuit - and with direct proof of fraud, will not stop. Not only that, this situation has become much worse because my work has been contacted more times now than before I filed with the CFPB, and I have had to research additional agencies to turn to to receive assistance. This is consuming unbelievable amounts of time, and there is no way to achieve a permanent solution. It is absolutely horrifying that you can have a debt collector create this much harm without anyone doing anything to stop them. They need to be put in jail, and this needs to be considered a crime punishable by jail time, because they have literally stolen my money and are attempting to do so again.
Consumer complaint received 2015-08-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Jim Bottin Enterprises, Inc (TX)

I was a paid-in-full member for XXXX years with XXXX until XX/XX/XXXX. I stopped using the club shortly thereafter when a company called XXXX took over, and announced they were closing several locations XXXX. I was under the impression that since I was a paid-in-full member, that the staff would contact me to solicit a new paid-in-full membership. They made no such attempt, and instead decided to make monthly electronic debits of $ XXXX dollars according to the terms of the original contract. I do not check my bank account regularly, but after 1 year of not using the club, I found out about all these withdrawls. I am willing to accept that it was my own fault that I did not read all the fine print in the contract, and that there was a clause that said the club could transfer the collection dues without warning to any company of it 's choosing. On XXXX XXXX, I sent a letter stating to stop making withdrawls to the company. I received an initial response with a pdf letter stating that they could not honor my request. Shortly thereafter, I then received another email from an employee XXXX that my automatic daft information was removed, and that I would need to go to the nearest location to sign a " waiver '' in order to cancel my membership. I went to the nearest location XXXX after this email was sent, only to be told my club employees to come back when a manager was available, and was given incorrect information that I was supposed to contact the company in writing, and no mention of a waiver. in addition, I was denied proper access to view the original contract signed by online access through the company website XXXX When I requested a password reset, the email with the password reset function was never delivered, I check my spam folder just to be sure. 
After this time, I have received mixed guidance from the company, stating I must sign a waiver and pay a final fee to close. I was getting notices stating that I owe XXXX in order to cancel. I am willing to pay this amount ONLY if I am given a PROPER explanation of why I was not told when my Paid-in-full contract expired by facility staff, and why I was not informed of new Paid-in-full membership options, prior to the New company XXXX XXXX ) taking over operations in XX/XX/XXXX. Now I am getting an outside Debt collection agency called SEAS AND ASSOCIATES, who are not parties to this case. They are sending me notices that I owe {$140.00}, and I am getting harassment phone calls. They are not explaining how this figure was calculated, and in doing so are not using fair disclosure practices.
Consumer complaint received 2015-10-08
Product: Credit card — 
Issue: Billing statement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I wanted to close my capital one card years ago because it had a low limit and I was approved for an XXXX XXXX card with a much higher limit. I called to pay my balance in full and close the account. The girl I spoke with said she processed my payment and closed the account. I never heard from them again. Years later I get a call from a collection agency. I kept hanging up because as far as I knew I did n't owe anyone a dime. Then I got a collection letter about a capital one debt ( my exact balance owed when I closed the account : XXXX dollars. ) I called capital one to pay the debt. The girl I spoke with said she saw the note indicating I requested to pay the account in full and close it. Yet somehow they never processed my payment! She transferred me to the collections rep and I immediately paid in full. This NEVER should have happened. I never got a single statement nor phone call from capital one about this. My number has n't changed in over a decade. They could have told me about THEIR mistake any time. Now I have a charge off affecting my credit because some inept representative did n't do what she said she would.