davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-05
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I am in urgent need of your help in this matter. I had a job transfer that has created a hardship for my family. We tried to do a modification with no success. We have been working with a realtor and after several months we finally found a buyer. This is a great offer and it was submitted to Capital One 's short sale department on XX/XX/XXXX, Which we have proof of. The short sale department for Capital One is claiming that they did not receive it until XX/XX/XXXX and that was within 30 days of the foreclosure sale date and denied the short sale. 

We have worked so hard to find a buyer in this hard market and to now be told that we did n't make the deadline because Capital One 's short sale department did n't open what we sent them until XX/XX/XXXX is crushing. We are simply asking for them to postpone the foreclosure sale date for 30 days to allow the review of the short sale. 

I have XXXX boys and XXXX that is in XXXX. It is XXXX time and I do n't want my family to be tossed out of our home right at XXXX. We have lived in this home for over 12 years and have had our struggles like everyone else. We just want the opportunity to be able to at least do a short sale. We are trying to reach out to any upper management at Capital One for help but this is going on deaf ears!!! 
Please Help!! 
God Bless!!
Consumer complaint received 2016-12-19
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK (MN)

Discover is overstating my current balance. They list the following information. 
Last statement balance : {$240.00} Recent transactions : {$69.00} Recent payments and credits : - {$25.00} Current Balance : {$370.00} If you do the math that amount should be {$280.00}. There is only a pending charge for {$9.00} showing on my account so it ca n't be due to pending activity.
Consumer complaint received 2020-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report and to this day over 60 days later I have not received a response yet. Personally I feel like I'm being taken advantage of and this simply is NOT fair. Section 511 ( a ) it clearly states that failure to investigate these items within 30 days gives a reason to immeditately remove these items from my credit report but it has been over 60 days and they still havent replied so they should remove them ASAP. I demand these accounts be deleted immediately or I will be forced to take action with the FTC. This has been truly stressful. My information was also impacted by the Equifax data breach and may have somehow gotten into the wrong hands. No matter what I need them to remove these inaccurate things from my credit report.
Consumer complaint received 2016-05-13
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

I keep getting phone calls from this collection company at my place of employment. I have never given them permission to call my employment and if this continues I could possibly lose my job. I do not wish to get calls from them at my employment and this needs to stop immediately. On XX/XX/XXXX-the receptionist sent me this email because I was with a client and the person was rude to her, " Call from XXXX with Portfolio Recovery Assoc. needs a call back at XXXX. '' Today, the receptionist received another call from " Please call XXXX XXXX XXXX ... ask if anything else in the message, she said no.. '' I looked the number up and it was Portfolio Recovery Associates XXXX They have called several other times and again I can not have this going on. Is there anything I can do about this issue and if I loose my employment can I go after them for compensation?
Consumer complaint received 2016-01-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Diversified Consultants, Inc. (SC)

Someone stole my identity and opened a XXXX account in the XXXX XXXX XX/XX/XXXX for about {$3800.00}. I 've lived in XXXX since XX/XX/XXXX. I 've had XXXX since XX/XX/XXXX. The same phone number for 10 years. Also I 've never lived in XXXX. In XX/XX/XXXX I filed a police report where I live in XXXX stating this account and possibly others is identity theft. A few years back the state of XXXX tax dept was hacked exposing XXXX residents personal info such as social security numbers. I ca n't verify that is the reason of my identify fraud but I assume that 's the only logical explanation. I have the XXXX police report, my XXXX id and the utility bill for my place in XXXX to dispute these charges.
Consumer complaint received 2015-10-29
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: SUPERIOR DEBT RECOVERY LLC (RI)

I live in XXXX but previously I was taking care of my Dad who passed away XX/XX/XXXX While taking care of him a debt collection and attorney in XXXX got a garnishment against my wages for a debt that was in XX/XX/XXXX. I was in major car accident and therefore on XXXX. I tried to resolve some debts but lost my home and job due to accident in XX/XX/XXXX. The attorney knows all this but somehow in a state I am not in was able to get the debt legalized and now is coming after me. I am XXXX and my husband is XXXX. I do not live with my husband as we are separated ( not legally ). I was never served court documents and I found out the attorney got the state to sign for my court documents. Why isnt this stuff done here in the state I am in is this legal?? They now have a hold of my bank account ( total is XXXX dollars ) and my lock box which holds personal items what can I do to stop what is happening.
Consumer complaint received 2020-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA (CA)

I was in a 6 month deferment on my student loans, and halfway through the deferment, I started to see late payments being reported on my credit. I worked with FedLoans for 1  year to try and get this corrected, and they would not correct it. They denied that my deferment was effective even though I paperwork to prove that it was. I was granted an economic hardship deferment covering the period in which I was supposed to be paying, according to them. Eventually, even though they admitted I was in deferment, they won't correct my missing payment information. So basically, they were supposed to have me in deferment but on accident did, then they corrected it and made it effective retro-actively.
Consumer complaint received 2017-02-12
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I spoke with Kohls/Capital One about my charged off credit card. I came to an agreement with them of 60 % of my full balance which came out to {$350.00}. I asked them if they can provide me something in writing prior to me making the payment. They said " we do n't provide that because people would sometimes get it, then never pay ''. I then asked if they can just fax or email me something stating that they agree to settle the balance for 60 % and report it to the XXXX credit reporting agencies as paid in full for less than full balance. They said they will report it as a XXXX balance to the XXXX credit bureaus and it will be paid in full for less than full balance, but they can not put that in writing until after the payment is received. I then said ok and made the payment. I then asked for it and he said that i needed to wait a couple of days until the funds cleared. I said ok and called back 2 days later. They confirmed receipt of the funds but said the only way i was able to see a XXXX balance was to login to my online account and print the transaction history. I tried that and it said that my account is closed and can not access the transaction and payment history. I called Kohls/Capital One back and they said that I still had a {$230.00} and some change balance!!! I am very upset because they said that I would be able to get the balance paid in full for less than full balance. I spoke to another friend and they are going through the same thing with them. 
I decided to call a lifelong friends son that works in the XXXX and signed a power of attorney with him. He called and let them know what they are doing is against the law. He also ordered them to pull up the tape of the customer service representative and have a manager listen to it. He also requested his conversation with them to be recorded and asked them to have that recording ready for the Consumer Financial Protection Bureau. He then asked me if I was comfortable with coming on here to this site and fling this complaint. I do n't know why these people take advantage of me but this is absolutely hurtful because all i am trying to do is purchase a home and this is what i need to do. Next step is to hire my attorney to take them to court for loss of my earnest funds on my home and for damages. I will be calling them again Monday and if this has not come to a resolution by then I will have no other choice in doing so. 

Thank you for listening
Consumer complaint received 2016-07-08
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (TX)

I purchased XXXX flat irons from a mall kiosk on XXXX XXXX, 2016 at XXXX for {$270.00}. XXXX for me and XXXX for my daughter. After spending an hour at the kiosk while the lady selling the product used the demo to straighten my daughters hair as well as mine, I decided to buy them. The demo iron she used worked wonderfully on our hair. She even pointed out how it steamed and it was taking the moisture out of the hair therefore not causing damage. It was supposed to make the hair healthier and not damage it like other irons. I was hesitant at first, but she kept lowering the price and telling me she would give me a GREAT deal. Since the demonstration worked so well I went ahead and purchased the irons. I got home and the next day I washed my hair and used the iron and right away noticed it was nothing close to the one she was using for the demo in the mall. There was no steam and it did n't straighten my hair as fast as the one she used. I went back to the mall and tried to return the products to the merchant and they told me they only would exchange the product for a different one and there were no refunds. Before I bought the irons the return policy was not stated nor was it posted. It was only printed at the bottom of the receipt AFTER I had already purchased it. Red flag right there because most places that sell products will back them up with a guarantee. I explained that I did not want another product that did n't work as advertised. I told the merchant I would be starting a dispute with my bank and gave them another chance to refund my money and let me give the products back. I called my bank immediately and wanted to start a dispute. I waited the time period they told me to before they could start the dispute. They temporarily put the credit back into my account while they investigated. As a consumer it states that if you feel a product is n't the quality that was advertised you have the right to dispute. And this was the case here. I continued using th iron and it started making my hair break off. The lady also claimed the plates were ceramic and would n't break but after about a week, one of the plates actually broke in half. I stopped using it and went back to using my old one because I could n't afford for my hair to be any more damaged. I received a message that the dispute was closed from Chase and they said that the merchant said they already gave me the products and they only accept exchanges. I called chase to ask if there was anything else I could do because all I want is to return the products and get my money back because I am now left XXXX $ Short and with XXXX products I ca n't use because of the quality of the items not being what I thought I was buying. I would like to see Chase help their customer out by helping me as a consumer who was wronged by a merchant. If I would have used a major credit card I feel I would have more backing as a consumer. I used my bank card as a credit card so I should have the same rights.
Consumer complaint received 2015-08-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (GA)

In late 2011 I had to move my family out of an apartment at XXXX XXXX XXXX XXXX XXXX due my wife and newborn baby becoming very ill as a direct result of the apartment we were living in having black mold. The apartment manager agreed to allow us to move out due to the circumstances. Since that time the management company of the apartments, XXXX XXXX XXXX XXXX XXXX XXXX has placed a collection balance with a collection agency that in-turn has placed a derogatory collection entry on my credit report with all three credit reporting agencies. The apartments and management company furnished me with a letter on XXXX/XXXX/11 ( letter attached ) advising that the collection item would be deleted from my credit report, but to date it has not.
Consumer complaint received 2017-04-01
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Bread Financial Holdings, Inc. (CA)

Once again I am providing the proof that item for case number XXXX has been shipped to address you provided to me and TOLD me to send package to. Please issue my refund of {$1400.00} immediately as I 've followed your rules and have done everything you have asked of me. I 've been told several times that I would have my refund within 72 hours and it has been over 11 days now. I 've filed a complaint with the bbb and cfpb since my refund has yet to be issued as promised by PayPal several times.
Consumer complaint received 2016-03-15
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (CA)

I was told I would get a refinance with no points or lender fees. I had conversations with the agent regarding no fees. When the broker sent the me the loan docs ( with no walkthrough or help ) he tried to attach {$1500.00} lender fees into the existing loan, effectively increasing the amount owed. When confronted, he became confrontational and defensive.
Consumer complaint received 2016-05-11
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Weltman, Weinberg & Reis Co., L.P.A. (CA)

I have a student loan that originated with the XXXX XXXX and was subsequently subbed out to another company called XXXX. I have been making and continue to make payments each and every month with XXXX and yet they have now authorized various collections agencies to initiate attempts to contact me by written letter and phone. The most current collection firm, Wellman , Weinberg & Reis Co. has attempted to contact me for payment of my loan in full, however the account number they list for my loan is incorrect. I have no way of knowing if this is a legitimate company as they do not have the correct information regarding my loan. Furthermore, as long as I continue to make the payments to XXXX and they receive and cash them, it does not seem appropriate that these agencies represent themselves in a manner that is provided by the law to arrange collections for the loan amount due. I am asking your agency to demand that Wellman, Weinberg & Reis cease and desist in any efforts to contact me either by written letter or phone presently or in the future regarding my loan originating with the XXXX XXXX that is now being serviced by XXXX with the approval of the XXXX XXXX and for which XXXX has received and banked the funds issued for payment of this loan. Your assistance will be greatly appreciated regarding this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2015-03-30
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CURO Intermediate Holdings (KS)

I borrowed {$700.00} and am attempting to make arrangement with the lender. However the lender insists on charging me 400 % interest and applying all payments to interest first. This is completely usurious and unconchionable. The contract should be void as a matter of public policy.
Consumer complaint received 2017-02-09
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (DE)

This is additional information to my complaint already submitted and this is pertinent information. I just set up 2 mortgage payments with Select Portfolio Servicing Company and was asked if I wanted to pay something towards the over {$600.00} fees. I was shocked and looked at my statement and advised XXXX ( rep ) that I see something on my statement that says " other charges and fees '' {$370.00}. I asked her what that charge was for and she said I was looking at XXXX statement and fees are now over {$600.00}. ( I ca n't remember exact amount. XXXX advised that each time someone does a drive by to check if my house is occupied, there is a fee. She stated if a home inspection was done, there is also a fee. I was shocked to think over {$300.00} is charged for something like this. First of all, NO home inspection was done. I have XXXX big dogs and people do n't come near my house, nor did I set up a " home inspection. '' Second of all, there is no reason for this company to think this property is n't occupied considering all of the correspondence between us. Someone please check into the fees I 'm being charged as I do NOT agree with this practice.
Consumer complaint received 2016-12-10
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Aqua Finance, Inc. (FL)

I purchased a XXXX from XXXX & XXXX XXXX on XXXX/XXXX/XXXX. The financier was a company by the nae of Carmel Financial who approved a revolving open ended charge account. On XXXX XXXX, XXXX, I received a letter from Carmel Financial notifying me that Carmel Financial Corporation Inc has sold my account to Aqua Finance and that the account has changed to a close ended, simple interest account. Shortly after that notice, I received a second notice from Aqua Finance notifying me that my account would be sold AGAIN to a third company - where the terms and conditions of the original contractual agreement would be changed again if I did not respond within 30 days of the notification. I called the number provided and stated that I did not agree to the second sale. During this same time I began receiving collection calls from Aqua Finance about an annual {$30.00} fee? Aqua Finance has been unable to reproduce a copy of the verbiage where I agreed to pay the annual fee. Now I am receiving late fee charges on statements for not paying the fee. I have never missed a payment at this point in time. 

As a consumer and a banking professional - Aqua Finance has conducted their business in an unethical manner at my expense. Transferring the original debt from company to company, all while changing the terms and conditions of the original contractual agreement to benefit their bottom line at the expense of customers. I have requested their lawyers contact me.
Consumer complaint received 2017-03-11
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (AZ)

We are residents of XXXX. On XX/XX/XXXX, we were in XXXX and purchased merchandise. The purchase consisted of five items at a total cost of {$140.00}. Unfortunately the amount sent to the credit card companies was erroneously listed at {$740.00}. ( attachments 1,2 & 3 ) This is {$600.00} more than the correct amount of {$140.00}. When we contacted our credit card company by phone regarding the error, a temporary credit of {$600.00} was issued to our account. On XX/XX/XXXX, we received a letter dated XX/XX/XXXX, ( attachment 4 ) requesting we return an attached form by XX/XX/XXXX. The form was immediately filled out and mailed. Because the letter arrived on XX/XX/XXXX, it could not be retuned to our credit card company by XX/XX/XXXX. On XX/XX/XXXX, ( attachment 5 ) we received a letter from our credit card company indicating the {$740.00} charge was valid and the temporary credit of {$600.00} had been removed, thus reinstating the $ XXXX charge to our account. On XX/XX/XXXX, we mailed information to our credit card company explaining the circumstance of the dispute. ( attachments 6 & 7 ). On XX/XX/XXXX, we called the merchant. We texted him a copy of our receipt in the amount of {$140.00}. He agreed that the charge of {$740.00} was incorrect and that we should have been charged {$140.00}. On XX/XX/XXXX, we had a letter faxed to the our credit card disputes department from a local branch of the bank who controls our credit card ( attachment 8 ). At my request on XX/XX/XXXX the merchant contacted his bank explaining the {$600.00} overcharge. The XXXX bank immediately removed the disputed {$600.00} from its account. ( attachments 10 & 11 ) Knowing this, I have called the Chase Disputes Department numerous times to inform them of this only to be told by supervisors that the matter was being handled either by " the back office '' or the " representment? team ''. I was never allowed to speak with people in those offices. On XX/XX/XXXX, the merchant sent me the document he received on XX/XX/XXXX, from his bank showing the {$600.00} adjustment to his account. On XX/XX/XXXX, I again had a letter faxed to my credit card company with the additional documents from the merchant ( attachment 9 ). The XX/XX/XXXX, fax was sent 92 days after the XX/XX/XXXX, communication.
Consumer complaint received 2015-06-26
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Alorica Inc. (AZ)

West Asset Management continues to call both me and my wife regarding a hospital bill from XXXX of 2013. This debt was included in a Chapter XXXX Bankruptcy and they were notified of the filing XX/XX/XXXX. They did NOT appear at the XXXX hearing on XXXX XXXX, and yet are still calling both of us as of XX/XX/XXXX. They have called my wife both at work and on her cell phone. We do not answer the calls, but have traced the number to them.