davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-03
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

Portfolio Recovery Associates , LLC obtained a judgment against me in XXXX XXXX XXXX XXXX ; XXXX XXXX, XXXX XXXX, OH ; 12 CVF 0432. This judgment is for account/reference number XXXX, which was paid on XXXX XXXX, 2016. I was told by a representative for Portfolio Recovery Associates that they would file a Satisfaction of Judgment with XXXX XXXX XXXX XXXX within 30 days of receiving payment for the collection account. It is now over 50 days since Portfolio Recovery Associates received payment for this judgment and they still have not filed the Satisfaction of Judgment with XXXX XXXX XXXX XXXX. Over two weeks ago, I sent Portfolio Recovery Associates a Certified Letter asking for the status of their filing the Satisfaction with the Court, but have received no communication from them.
Consumer complaint received 2017-01-24
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (KY)

The subject of the dispute is inappropriate NSF charges by the bank, and the failure of the bank to respond to communications. After failing to resolve the issue while the account was active, the bank closed the account in write off status. After communicating with others in the Executive Resolution Team I was directed to a manager named XXXX who placed a single call to me on XX/XX/XXXX and left a message. I subsequently returned that call to the Customer Service area extension XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, leaving all relevant information at the time and requesting both contact via email and contact via telephone. To date, I have never received any calls, emails or even written correspondence in regard to this problem. My offer to settle has been ignored, and I can not get anyone with the authority to discuss the matter to talk to me.
Consumer complaint received 2015-07-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: FIRST HORIZON BANK (NJ)

This complaint is filed against : First Horizon Home Loans, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX and their representativesThere are clear violations of TILA, FDCPA, RESPA, Consumer Fraud, Mortgage Fraud, Mortgage Servicing Fraud, unfair, deceptive, abusive and bad faith acts and practices. I could only select one option below, even though there are multiple deficiencies, violations, predatory lending, fraud and lack of standing. In XXXX 2007, we refinanced our home at XXXX XXXX XXXX - XXXX NJ XXXX with First Horizon Home Loans. We were told of a lower interest rate that changed at the time of closing. We had a VA loan at 5.75 % the bank took advantage knowing we were refinancing trying to eliminate debt. We were strung along for years being promised a loan modification and forced to resubmit multiple loan mod applications. We were deceived to believe we would get a loan mod and were never put on a trial period even though we appointed and were working with a HUD certified counseling agency the bank refused to communicate with them. While they were proceeding with the foreclosure behind our backs. We also discovered the process server fraudulently claimed he had served my wife XXXX XXXX " a XXXX woman '' when in fact my wife is XXXX and was never served. There was confusion and they did not give clear answer to who had the Note, whom was the servicer, whom was the lender, whom was the bank. They used fear tactics, gave unclear answers and tormented us telling us we would be thrown out of the house by the Sheriff on several occasions. I finally realized their Fraud and Bad Faith, I filed consumer complaints against them with several Federal & State agencies they retaliated by denying the loan modification and expedited the sale of my property at sheriff sale within 3 months. During the XXXX months they issued multiple " stay of sheriff sale '' and failed to give us proper notice with an intent to confuse, torment and cause us to use our XXXX " 2 weeks stay of sheriff sale.
Consumer complaint received 2015-07-28
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Harpeth Financial Services, LLC (KY)

My complaint is with Advance Financial in XXXX Tenn. XXXX They changed my payday loan to a flex loan my loan was {$940.00} due XXXX payment {$35.00} XXXX payment XXXX payment XXXX {$110.00} I have made both payments on time I now owe XXXX My next payment is XXXX {$110.00} the. Interest is XXXX per day and XXXX customary fee.Advance Financial lied to me about this Fllex loan the way they set this loan up I will never get it paid off. Its a rip off big time I have pleaded with them to terminate my loan because they did n't tell me the truth about this new loan.
Consumer complaint received 2016-01-07
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: United Recovery Solutions (OK)

XXXX continues to call me every day to try and get personal information without telling me what it is needed for or what the company 's business is. I looked the number up on the internet and it says they are debt collectors, United Recovery Services. I do not have any outstanding debts and confirmed with my credit report. I asked for them to stop calling and they have not. They have asked for SSN but would not tell me why they needed it. They have called my XXXX year old grandfather in-law requesting information. They have called me on my company phone which is owned by a federally recognized tribe. They call multiple times in a day even after hours. I would appreciate any help to get this to stop.
Consumer complaint received 2016-04-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (VA)

I am writing to express my frustration with the credit reporting practices of Fedloan Servicing. After I reapplied for an income-based repayment plan my payment increased significantly. I did not have the means to make the new payment. As I was trying to figure out my options for repayment Fedloan Servicing reported my account as delinquent. I was never contacted by Fedloan Servicing about my delinquent account. 
To my dismay, I discovered that my credit score dropped over XXXX points because of a negative report from Fedloan Servicing. I went from a credit score that was in the high XXXX to a credit score that was is in the low XXXX. I inquired with a credit bureau about why my credit score was so low. I was unaware that my federal loans were never consolidated when I transfer by loans from a XXXX XXXX back to the federal government. As I understood it my loans were consolidated under XXXX XXXX, but when I transferred them to the federal government they were somehow unconsolidated. According to Fedloan Servicing, I have XXXX outstanding federal loans. Fedloan Servicing reported a late payment for each loan. I now have XXXX negative reports! I no longer qualify for any type of credit! I was planning on buying a home this year but my dreams are dashed by this simple mistake! I am not sure how long I have to wait until I am creditworthy in the eyes of a mortgage lender. Despite buying a home I can no long obtain a fair deal on any credit. As I understand the negative report will stay on my credit report for seven years! 
I believe this an unfair practice. Most if not all consumers paying back their student loans to one servicer for student loans owned by one entity i.e., the federal government would think that their single payment to a servicer constitutes payment for the outstanding balance of the loans borrowed while in school. I believe most do not understand that the loans may be treated separately and that a late payment could result in the servicer reporting a late payment for each individual loan. Servicers of student loans should disclose that a negative report will be submitted for every outstanding loan if you are late on a payment. I was stunned that my loans were not considered to be consolidated although they are owned by the same entity. Fedloan Servicing and other student loan servicers should disclose to consumers when their loans are n't consolidated even if the loans are owned and or serviced by one entity and, as a result, a negative report to a credit bureau will show a negative report for every individual loan. This has indelibly affected my ability to obtain reasonable credit offers for several years!
Consumer complaint received 2017-02-15
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AMERICAN ADJUSTMENT BUREAU,INC. (CT)

A couple years ago XXXX XXXX bills showed up on my credit report. These are Not my bills. I spoke with American Adjustment Bureau and explained these bills were not mine. They were removed from my credit report. it has been a few years and now they have reappeared. I 've contacted American Adjustment Bureau and they tell me they do not have these bills on file. How can they put it on my credit reports if they do not have bills on file. I have not used XXXX XXXX for severces in many years. I would like to file a complaint against American Adjustment Bureau.
Consumer complaint received 2017-01-13
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

This morning I tried to use my account to gas in my car and found out that my card, that they sent to me 2nd day air was closed. I called and they said a fraud was done against the bank. I did file a claim for funds that were taken out of my account two day before but it was fraud against me ... I talk to the rep and she said that I will receive my funds in 60 days. I explain to them that my money was just deposit into the account and that money was to used for food for the kids and to be able to have gas for the car to get back and forth to work. I told them we had no other money then the money that was in the account they closed. I do n't get paid for two weeks now and have no money to feed my family or pay my bills. I ask them to red label my funds in a cashier check and I would pay for the cost. They said no and it is against banks guidelines. My family can not go a day with out our funds. I did n't even have enough to put gas in the car to take my son to school and get to work. How can they hold my funds like that and give me no ability to use it. This has put me into hardship
Consumer complaint received 2015-07-24
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (FL)

On XXXX of 2011, my mortgage loan was modified under the " Make Home affordable '' Government plan with XXXX and subsequently transferred to a servicer called SLS. 
Shortly after the transfer, SLS increased my mortgage payments from {$2000.00} to {$2200.00} without any notice. An increase of XXXX in which I believe is was an error for what I have been financially burdened. I am looking for restitution for those monies I have overpaid over the time of the loan. 
I am attaching a copy of my original modification documents in support of this claim.
Consumer complaint received 2017-01-19
Product: Credit card — 
Issue: Cash advance fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I recently closed a Capital One secured credit card. I did so after a minor identity theft issue. Capital One locked my card and told me I had to submit a birth certificate, social security card, XXXX or employer information, proof of address and driver 's license to unlock the card. But given the identity theft I was not willing to do that. So once I closed the account I was guaranteed my deposit ( {$200.00} ) minus and balance on the card would be returned to me ( {$51.00} ) within 3 weeks. It has now been 3 months and nothing. I began making calls only to be told I needed to verify my identity in order to get my money. I even had my bank conference in and tell them it was me, I verbally verified my social, the bank offered to reverse request the funds all of which Capital One refused. They will not release the money until I send one of a kind documents digitally to them.
Consumer complaint received 2015-12-06
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: BANCO POPULAR DE PUERTO RICO (NY)

I have tried several time to get this removed from my credit report IT IS NOT MINE, IT IS NOT MY NAME. XXXX XXXX XXXX ACCOUNT # XXXX, XXXX REFUSES TO REMOVE. 
XXXX XXXX AND XXXX XXXX XXXX IS not my name, so remove from my file
Consumer complaint received 2016-09-14
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (TX)

wellsfargo bank made a cash advance to my checking account in XXXX of 2015, then they locked my account from me until XXXX of 2015 when I finally was able to get into my account when I noticed that they had made a {$10000.00} cash advance to my checking account which had a lot of interest charges applied to it. the bank said I would have to pay it all back before they would refund any money. I had to take money from another bank to pay back what I did not ask for ...
Consumer complaint received 2022-12-26
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (MN)

XXXX Credit Card ( with Comenity Capital Bank as actual provider ) advertises zero interest for purchases of {$190.00} or more if paid in full within six months. On XX/XX/XXXX, I applied for the credit card after being advised by XXXX of the promotional rate ( specifically because of the promotional rate ) and made a brakes purchase of {$810.00}. Instead of receiving the zero interest promotional rate, Comenity Capital Bank immediately began charging me 25.99 % interest. When I noticed these interest charges some weeks later, I immediately contacted Comenity customer care both by phone and email. The bank admits that a promotional purchase should have been available- in fact, they state that I was eligible for 12 months at zero interest. Yet they maintain these fraudulent interest charges can not be removed because the order was " processed '' wrongly at the store level. The website to apply for the card XXXX XXXX XXXX XXXX ) very clear states an unequivocal policy. In fact, they use that policy as the primary promotion for the card and it is listed in bold at the top : " ZERO INTEREST IF PAID IN FULL WITHIN 6 MONTHS '' " On purchases of {$190.00} or more made with your XXXX Credit Card. '' I have given the company numerous opportunities to resolve this matter directly and they have indicated it is not their policy to do so, even though I have advised them of the false advertising.
Consumer complaint received 2015-10-19
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Recently I contacted my credit card Capital One to find out how much the minimum amount was due for payment and was told that {$120.00} would suffice. Once I paid the bill a few weeks later I had a family emergency where my dogs XXXX was XXXX and we raced to the hospital to tend to him. At the time I needed gas so that I could return back with the family and I had my sister and my XXXX mother in the car with me. Over the internet the credit card indicated that I had monies available. To our shock and surprise, the card was declined because I later found out that there was a hold on the credit card. I can not explain the weight of how embarrassed and mortified I was in front of my family and the gas station attendant. Why would the Capital One website indicate that monies were available? To add insult to injury, the customer service representatives were clearly unfazed by my plea and situation. They were rude, unprofessional, abrupt and quickly disconnected the call. Prior to the disconnect, I was also told that I had to pay an additional {$75.00} with no explanation. At this point, the responses I received were callus, rude and abrupt. No one ever explained where this amount came from however when I checked back and got a supervisor I was told that I did n't owe {$75.00} because the money was waived for some odd reason. I am still unaware why I was charged initially and why it was waived. Maybe it waived due to the cruel and horrible treatment I received. To date, I needed the monies for food for my family since the amount available had changed from gas money to {$59.00} being available. Realizing that this company communicates one thing and is not always forthcoming, I decided to contact them before I embarrass myself it I used the card and it was declined. Now I am being told that I need to pay {$24.00} because when I previously paid {$120.00} I needed to pay {$140.00}. Why was n't this information made available to me previously? Why was I charged {$75.00} and then it was waived? Why does it say that I have available credit over the internet and phone line when the card has a freeze/hold on it? This company is unethical, unprofessional and constantly misinforming me regarding my bill. I have no idea what is going on and they need to stop. What 's in my wallet is nothing because I am constantly being mislead by a heartless company that refuses to make any exceptions to life 's situations.
Consumer complaint received 2015-07-21
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP (PA)

I have been attempting to work with representatives at Selene Finance for over a year on resolving the short-sale or Deed in Lieu of my former home. I am constantly promised return phone calls and resolution to my matter month after month, only to learn that my case has been once again reassigned upon following up. They NEVER return my calls within the time frame given and I am always given " the run around '' when I call concerning the status of my account. For the last two weeks I have been promised phone calls to discuss resolution, but have yet to receive XXXX. I again called today to get a status update, but no one could give me an answer, nor did they have any idea what I was talking about. I have tried to be patient with them and have given them more of my time and information than necessary. Their customer service is a disgrace to the finance industry and is costing me valuable time that I could have had my home on the market and sold, but can not list it without their approval. Their lack of urgency has also cost me XXXX previous interested buyers in the past when my home was eligible to be placed on the market. They have no structure or protocol to follow with respect to these situations, which has brought me to this point.
Consumer complaint received 2015-07-23
Product: Credit card — 
Issue: Other fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

I got the Capital one 1 % cashback credit card. None of the paperwork or online statements indicated at all that their is a yearly membership fee, I called prior to activating the card and again just before the first bill came due to ask both times if their were to be any kind of charges other than what I charged both times by phone they said no then my bill includes a XXXX dollar annual membership fee for having their card, no one told me despite several opportunities in writing or by phone that I would have that charge I did not agree to that charge and they refuse to remove it saying by activating my card I accepted the charge, their was never any kind of warning that I would have a membership fee, I will pay it, I know it is common to have a yearly fee on all financial accounts but the shady way they just throw it at you is really very unprofessional, and I am not sure it is even legal.
Consumer complaint received 2017-01-25
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

When I reviewed the interest I was paying on my credit cards, I thought it was really high. When I looked into it further, I saw I was being charged XXXX interest rates : one for purchases and a higher one ( 25.40 % ) for cash advances. The balance subject to the cash advance interest rate was very high : {$830.00}! I knew I had n't taken that much cash out as a cash advance. When I called Capital One to find out how they calculated this figure, the rep researched the cash advances I had taken over the years and found {$380.00}. The rest is all interest! This is robbery! Credit card companies should have a cap on the amount of interest they are able to add to customers ' account. Accrued interest caused my {$380.00} to turn into $ XXXX and I 've been paying the card every month for years.
Consumer complaint received 2016-09-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CONRAD CREDIT CORPORATION (GA)

I obtained services from XXXX in which Conrad acceptance was who I was to pay for the services of XXXX. Due to the misrepresentation by the Company of XXXX I attempted several times to reach out to the office to cancel this contract within 3 hours of signing and several months thereafter. I refused to pay because I felt the company was breach of contract undergrounds misrepresentation. I have sent several faxes and letters to this company explaining my dissatisfaction with the service with no replies from mail, phone or faxes. Conrad continues to send various attorneys in attempt to collect this debt, a debt I feel and have expressed several times I do not owe. Although the contract I signed, unknowingly states I waive my 3 day " cooling off period '' all circumstances become null and void when services you are paying for are never received. No one could ever be reached to schedule appointments, no one would ever call me back. How is there to be a contractual agreement between XXXX entities when the company you hired is no where to be reached to obtain said services. They took my money and ran. Conrad continues to harass me through attorneys and collection services to obtain funds, I do not owe and I should not have to pay. I have been fighting this since 2009. The contractual obligations were never met by the company and there were no intentions of the company meeting those obligations therefore the contract, once again, is null and void and no money should be due to Conrad Acceptance.
Consumer complaint received 2016-03-21
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: XOOM CORPORATION (GA)

I transferred XXXX {$200.00} to XXXX on XXXX, XXXX, 2015 using xoom ref # ( XXXX ) The funds was picked up that day in XXXX and They sent me a text message and email message stating that my transaction was completed. Normally when I use their services the take the money out of my account within days if not right away. This time Xoom took one Month to widthdraw the funds by then I had insufficent funds in my account due to their negligence. I did the honest and right thing since my receipient had already got the money and I made arrangements to pay them right away and asked for my insufficient funds fee to be refunded to me since it was their fault. They asked me for proof and I sent proof to them that the money was paid out the moment I sent it alsocopies of my bank statements showing the Charge on their request. Now they have refused to reimburse me stating that they can do a 3 way call with me and the bank and ask my bank to waive the fee which is their administrative error. I respectfully ask you to look into this matter.