davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-13
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Duvera Billing Services, LLC (CA)

Our car had a problem with the brakes, and we did n't have the money to afford the payment in cash, and our credit card did not have enough credit limit to make the payment. The person in the place ( XXXX XXXX XXXX XXXX ) offered to contact a lender and immediately we got approved Follow the approval announcement, the guy asked me my phone number, and I did receive the notification of the approval, and I gave out my bank account information to set up the monthly payments, which we did understand. We thought that the interest rate could n't be higher than 30 % or so. I did ask the guy if they will send the contract detail by mail, and he said that I should be receiving it in two or three days that never happened. Today, since they did not email any statements or detail contract, and we wanted to pay off I contact them, and I was very frustrate and surprise when they informed me that the amount was almost the same after we make several payments that in theory should cover the full amount plus the interest rate of 30 %. We never get the figure of " get money today and pay tomorrow ''. The terms and conditions were not clear, and we did not get notify in any way. They mentioned today that they sent an email with the contract, but we never got it, and they did not mail any monthly statements or even emails with the information of the payments. Just right now we knew that we have to pay 189.00 % in interest rate, when we expected to pay off the full amount.
Consumer complaint received 2017-02-07
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am filing a complaint against Bank of America because on XXXX XXXX 2017 I had a wire from prosper market place in the amount of {$33000.00} and I also deposited a check from a line of credit that was approved in my name in the amount of {$10000.00}. Bank of America is claiming that they received a call from XXXX Bank in reference to the valid deposit. The loan is in my name and valid yet XXXX wants to do further research. I have already provided XXXX with proof of identity and gone in to the branch but they are giving me a headache after the check has already cleared with Bank Of America. Because of this Bank of America has place a hold of {>= $1,000,000} on my account and is not letting me access any of my funds. This is illegal that they are holding even the wire that has nothing to do with XXXX bank deposit of {$10000.00}. I need my funds released ASAP.
Consumer complaint received 2016-04-13
Product: Credit card — 
Issue: Cash advance — 
Company: DISCOVER BANK (OR)

For many years now I have been paying my Discover credit card balance on time but recently decided to look into in more details, it seemed that little was applied to my principal, the worse is that I noticed for many years now the " BALANCE SUBJECT TO INTEREST RATE '' on purchases decreased while " BALANCE SUBJECT TO INTEREST RATE '' on cash advance has been increasing at much higher interest rate has increased month after month for many years since as far as XXXX ( Discover statements are not available past that year XXXX XXXX for me to assert with full certitude that the practice did not start at a earlier date ), in XXXX XXXX my cash advance balance was at {$1600.00} and it is now in XXXX XXXX at {$6900.00}. The cash advance as of XXXX XXXX was at {$0.00} and it has been at {$0.00} to this date in XXXX XXXX, so I am not quite sure how it is possible for a " BALANCE SUBJECT TO INTEREST RATE '' on cash advance to increase on that basis, on the other hand allow " BALANCE SUBJECT TO INTEREST RATE '' on purchases shifted/moved to " BALANCE SUBJECT TO INTEREST RATE '' to cash advance at a much higher rate all the sudden for years. The XXXX Card Act is very clear on the rules on payments allocations and for years it was not done putting us through financial distress for years now.
Consumer complaint received 2015-04-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Bureau Systems, Inc., Paducah, KY Branch (GA)

CBS ( debt collector ) is charging a 35 % collection fee that is prohibited in the State of Tennessee. Tenn.Code Ann. XXXX " Collecting or attempting to collect from the debtor any fee, commission or other compensation not provided by law for collection services rendered to a client ... '' XXXX XXXX XXXX XXXX XXXX ( creditor ) has assured me that they are not trying to collect interest or any other fees, only the amount owed ( {$8600.00} ). I have asked CBS to itemize the {$3000.00} in writing and they refer me back to XXXX XXXX XXXX XXXX XXXX and to my original agreement. The original agreement allows the bank to collect interest, attorney and court fees to the extent the law will allow. Section 808 ( 1 ) of the FDPCA allowed the addition of collection fees when " such amount is expressly authorized by the agreement creating the debt or permitted by law. '' I have spoke with XXXX XXXX regarding the {$3000.00} who advised me that is it a 35 % collection fee of the balance owed ( {$8600.00} ). 
This collection agency has had all the information needed to collect on this account. This account was referred to them in XXXX of 2012, and they have not attempted to collect this debt. The {$3000.00} is a collection fee charged by CBS not XXXX XXXX XXXX XXXX union and these fees where not agreed upon at the time the debt was acquired.
Consumer complaint received 2015-05-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

I received notifications from XXXX XXXX, XXXX, XXXX, and XXXX that my personal information had been hacked. I have been disputing several accounts with Experian, XXXX, and XXXX for almost XXXX years. I now know why there is a XXXX filed against Experian, XXXX, and XXXX in several states for not properly investigating consumer disputes and for listing inaccurate information on credit reports.
Consumer complaint received 2016-05-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (CA)

I am filing this complaint Equifax has refused to provide me with documents regarding XXXX bankruptcy public records on my credit report. I am a victim of identity theft and have never filed bankruptcy. I also reached out to the court and was advised that the XXXX XXXX Court does not report information to any credit reporting agency, and does not have any information on file. This matter has now gone past 30 days unverified under section 611 ( 5 ) A ) of the FCRA, please have equifax delete this information, please assist with resolving this matter asap. Thank you
Consumer complaint received 2016-03-10
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 (NY)

XXXX XXXX continues to attempt to collect on a debt in the amount of {$1000.00} that I do not owe. I have written XXXX debt verification request letters and instead of receiving requested information, my account was transferred to a collection agency, RPM, who is requesting payment for an amount I do not owe.
Consumer complaint received 2016-01-05
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Eagle Financial Services, Inc. (OH)

I purchased my vehicle XXXX Cadillac Deville DHS from a Buy here Pay here car dealership on XXXX/XXXX/XXXX. The buy here pay here then sold my account with them to Eagle Finance. The loan terms and payment amount stayed the same. It was sold to them XX/XX/XXXX. Prior to being sold to Eagle Finance the car was constantly having engine mechanical problems. I was making payments plus paying for major repairs. XX/XX/XXXX the car engine failed causing again causing more money to be paid out to be fixed. the coils, spark plugs, coil module went out causing over {$1000.00} in repairs. the car also needed new struts, and shocks which was another {$800.00} repair. As of today XXXX/XXXX/XXXX the car is still broke down and not running. The fuel pump is out and the coils and spark plugs and cylinder XXXX, XXXX, and XXXX are out and the will not fire, if it does does start it runs rough and then stalls. I was put in a hardship by trying to make my car payments plus pay all these engine repairs. Eagle Finance did n't wan na hear about my hardship or problems. I told them to come get my vehicle and i would voluntarily give it back, they refused. I figured they could auction it off and sell it and i could pay the deficiency balance and again refused. On XX/XX/XXXX i get a letter from XXXX XXXX XXXX XXXX advising the amount due is {$4500.00} I was told by XXXX XXXX on XXXX/XXXX/XXXX that the balance is now {$4800.00}. The loan was defaulted and charged off by Eagle Finance. So I was told that {$300.00} was added additionally for court cost by XXXX XXXX XXXX, how can i be charged for court cost when this account has not been filed in any court. They are trying to add hidden fees and take advantage of the situation. Eagle Finance wont repossess the car because they know the value of the car is worth less then what is owed. The vehicle has XXXX miles on it and the XXXX value to a private owner is {$2500.00} as of XXXX/XXXX/XXXX. The office manager ( XXXX ) at Eagle Finance laughed and told me that there was n't anything the CFPB can do. if nothing is not rectified I will be filing a lawsuit against XXXX XXXX and XXXX XXXX XXXX for predatory lending, XXXX states have passed anti-predatory lending laws. XXXX, XXXX, XXXX, XXXX, XXXX, North XXXX, XXXX, XXXX, XXXX and XXXX are among those states considered to have the strongest laws. Other states with predatory lending laws include : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. These laws usually describe one or more classes of " high-cost '' or " covered '' loans, which are defined by the fees charged to the borrower at origination or the APR. While lenders are not prohibited from making " high-cost '' or " covered '' loans, a number of additional restrictions are placed on these loans, and the penalties for noncompliance can be substantial.
Consumer complaint received 2016-08-26
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

PennyMac is Dual Tracking. Client is in review for a loan modification and a 30day condition letter was sent on XXXX by underwriter XXXX XXXX in the Texas office. Sale date is XXXX. Deadline for docs to be sent in per the letter Pennymac sent is XXXX. 
How can they foreclosure if the file is in review for modification? 
They are dual tracking. 
They are also discrimination based on language, ethnicity, race, marital status. 
We will take legal action if the sale date is not postponed.
Consumer complaint received 2016-04-08
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (FL)

Long story made short ... ... ..Aunt had fraudulent activity on her accounts at Suntrust. XXXX was notified and investigated the case and the case was closed. Aunt made me her Power of Attorney when she entered XXXX home so that I could help her with her bills. SunTrust refuses to let me stating her accounts are ALL frozen because of investigaton. XXXX says they never told SunTrust to do this. My Aunt ca n't touch her money even though its her social security money that is in accounts. If she needs something she cant even touch her own money.
Consumer complaint received 2015-10-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (LA)

The credit reporting agency continues to report a balance on an account that is paid. They continue to verify this balance as accurate although it is not. They will not provide a method of verification. 

XXXX XXXX XXXX # XXXX XXXX , LA XXXX ( XXXX ) XXXXDate Opened : XXXX/XXXX/XXXXResponsibility : Individual AccountAccount Type : Installment AccountLoan Type : XXXX XXXXBalance : $ XXXXDate Updated : XXXX/XXXX/XXXXPayment Received : $ XXXXLast PaymentMade:XXXX/XXXX/XXXXHigh Balance : $ XXXXXXXXPast Due : & gt ; {$100.00} & lt ; Pay Status : & gt ; Charged Off & lt ; Terms : {$92.00} per month, paidMonthly for 16monthsDate Closed : XX/XX/XXXX & gt ; Maximum Delinquency of 120 days inXXXX/XXXX and in XX/XX/XXXX & lt ; Remarks : & gt ; UNPAID BALANCE CHARGED OFF & lt ; Estimated month and year that this item will be removed : XXXXXXXXRating N/R XXXX C/O XXXX C/OXXXXXXXXXXXXRating XXXXXXXXRating XXXXRating OK OK XXXX OK OK XXXX
Consumer complaint received 2015-06-02
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Regional Management Corporation (TX)

Received a random mailer with a check for {$2000.00} that could be deposited with only a signature endorsement. Loan carried 29 % APR. 

This is predatory lending at its finest. Exact quote from mailer, " So be good to yourself and take advantage of this offer. ''
Consumer complaint received 2016-07-20
Product: Payday loan — 
Issue: Can't contact lender — 
Company: National Credit Adjusters, LLC (OH)

This company is called National Credit Adjusters and they took over a loan that I paid in full through a consolidation program, however, they continue to harass my personal phone and are calling me on my work phone everyday and I have asked them to stop. I have sent them cease and desist letters from my lawyer and they continue to call. The phone number is XXXX OR XXXX - they will not quit calling and I do not owe them money. This is a FDCPA Violation.
Consumer complaint received 2016-08-01
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (GA)

SunTrust is reporting untruthfully that we were four months late paying our mortgage in the past 12 months. We did enter a Chapter XXXX plan in XXXX XXXX but during that time we consistently made the payments each month as we have in the past 10 years. After complying with our plan and receiving a satisfactory discharge in XXXX of XXXX, we had received no statements ( other than interest rate changes ) regarding our SunTrust mortgage account yet we continued to make the monthly {$550.00} payments as set forth in our mortgage agreement. Still, we received no statements from SunTrust but did receive an annual XXXX to document our owed taxes. Suddenly, on XXXX XXXX, XXXX, we received our XXXX and only statement that the equity loan had changed on XXXX XXXX, XXXX to reflect a payment of {$1400.00} per month. According to the letter, this meant that we were scheduled to be reviewed for foreclosure. SunTrust had increased the monthly payment of {$550.00} to {$1400.00} without any notification to us and we had paid perfectly for 10 years up to that point. The letter indicated that we owed {$4100.00} that needed to be paid in order to avoid foreclosure. We were able to pay this amount and brought the account current. 
We are in the process of refinancing this loan. We are encountering difficulty with the underwriter because the lender obtained a report indicating the XXXX XXXX - XXXX XXXX payments are late because they were not in the amount of {$1400.00} as opposed to the {$550.00} payment we had paid. We feel that because we were not informed in any way of this increase in amount no refinance agency should receive a report that were late. A payment was made every month. They failed to notify us of the increase and this is stalled a refinance
Consumer complaint received 2017-01-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MN)

I sent a copy of the letter from the XXXX, XXXX XXXX XXXX that outlines their efforts to have the defaulted loans removed from my credit reports. This happened XXXX XXXX, 2016, but the reports have not been updated.
Consumer complaint received 2016-07-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (FL)

I have sent a letter to dispute inaccurate information on my credit report and Experian continues to refuse to investigate my claims. Per the FCRA they are supposed to investigate claims of errors on my report but will not nor will they show me how they come to the verification process per the FCRA laws that govern them.
Consumer complaint received 2016-02-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Optio Solutions, LLC (CA)

The debt collector somehow got a hold of a few people I know such as a close friend and family member and told them about my debt in detail and threatens that I am in big trouble. There are XXXX representatives who have called and made the threats and gave out my personal information. XXXX is XXXX and XXXX is the other. XXXX was very rude and made threats to my mother and my close friend when we spoke to them.
Consumer complaint received 2015-07-18
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: SQUARETWO FINANCIAL CORPORATION (FL)

I was sent an unsolicited credit card from XXXX XXXX XXXX XX/XX/XXXX. Shortly after, I was laid off from my job due to the economy and was unable to find a job for over a year so I used the card for gas & food during that time. I soon fell behind in the payments and most of the card debt was late payments and penalties. Unfortunately I had moved and I forgot about it when I started working again. CACH LLC bought the debt years later and sued me. I tried to explain my circumstances, that I was in school and did not make very much money and that I owned nothing. I 'm still driving the XXXX Impala that mother bought me when I was in high school. They refused to listen and threatened & intimidated me into signing an agreement to pay {$75.00} a month which I knew I could n't afford, but I had never had any dealings with the law so I was scared and thought I had to sign it. When I could n't pay it, they sued me. I know I have to pay it and I have been sending them {$25.00} a month but I lost my lease and had to move so I was unemployed again in XX/XX/XXXX XXXX. I worked odd, temporary jobs during that time and finally found another full time job in XX/XX/XXXX XXXX but I only make {$11.00} an hour and have been struggling to survive and catch up on my rent since then,. But I started paying the {$25.00} a month again then. But in XX/XX/XXXX, CACH froze my bank account and took my last {$190.00} out which meant I had no money for food and gas for over a week. When I read up on Florida Garnishment Rules, I saw that they are not supposed to be able to garnish a person 's salary if they make below a certain level and that includes their bank account if it can be proved that the money was income. The only money going into my bank account was my salary. I have tried to talk to them several times and even had my mother call them because I 'm not very informed about these matters, but they only say they are trying to collect a debt for their customer and wo n't agree to a lessor payment. It is not for a lot of money, only about {$2500.00} but I do n't have it and neither does my mother. She lost our house to XXXX XXXX XXXX in XX/XX/XXXX and we have both been trying to recover since then. We ca n't even afford a lawyer to fight them and feel like we are victims of the law and have no recourse against this unscrupulous company. We will pay the debt but we need time. I have told them that as soon as I can pay more I will increase the amount. But I need enough money for rent, food and gas so i can work and i do n't make much more than that. I would like to pay it in full now but there is no way i can do so. ( My Mother is writing this for me as I 'm not knowledgeable about these things ).
Consumer complaint received 2015-10-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (IA)

XXXX XXXX has reported my account as still in collections on XXXX/XXXX/15 ; however, I paid the balance due in full on XXXX/XXXX/15. The first payment made was on XXXX/XXXX/15 in the amount of {$44.00}. The second payment made was on XXXX/XXXX/15 in the amount of {$130.00}. I am attaching certified documents from my bank showing that these payments were made.
Consumer complaint received 2016-03-20
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: URS Holding, LLC (IL)

About 5-6 years ago, I opened a charge at XXXX XXXX since I received a XXXX % discount on a snow blower I purchased. I also received 6 months of 0 % financing. I signed up for e billing and paid the debt off according to terms. 
XX/XX/XXXX and XX/XX/XXXX, I used the XXXX credit card for the first time since that purchase to buy {$180.00} worth of flowers, pots and assorted garden items. Over the coming months I went about my business and forgot about the purchases. In XXXX, 2015 I received a call from a XXXX representative that my account was past due and a payment had n't been made since my last purchase ( in XXXX ) .. I immediately wrote and mailed a check for {$170.00} ( I had returned a bad plant for a {$2.00} credit ). 
The check which was accompanied by a letter with my account number, incorrectly was credited to my XXXX XXXX account also managed by XXXX. After calling them, the check was reapplied to my XXXX account. 
During the period XX/XX/XXXX thru XX/XX/XXXX I never received either a paper bill or e bill. I communicated this to both XXXX XXXX and XXXX reps. XXXX sent me copies of the missing XXXX bills which were in their system, but never sent to me in any form during the period they were due. 
I pride myself on promptly paying my bills on time. I am XXXX years old and have a credit rating of XXXX. This is not a " dog ate my bills '' story. I assure you I never received bills for four months in any form. My balance is now {$240.00}, ALL finance and past due charges which I refuse to pay since I paid the {$170.00} for the merchandise I purchased once XXXX contacted me. Thank you for your consideration.
Consumer complaint received 2015-09-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (IL)

My name is XXXX XXXX - A Housing Counselor submitting the complaint on behalf of my client XXXX XXXX XXXX. 
XXXX XXXX received a loan modification at a XXXX event XXXX XXXX XXXX XX/XX/XXXX. The modification lowered her interest rate and lowered her payment, however even though XXXX XXXX was NOT behind on the mortgage, {$14000.00} was added to her principal balance. This was discovered after she received the final paperwork. 
XXXX XXXX has been trying to find out why her principal balance increased by contacting Citbank and XXXX her new servicer. Citibank refers her to XXXX. XXXX refers her to Citibank. 
I was able to obtain a payment history from Citibank for years XX/XX/XXXX which confirms her payments were never late. 
Assistance is needed to find out why {$14000.00} was added to her principal balance when her loan was " modified '' XX/XX/XXXX when she was not behind on her payments.