davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-24
Product: Credit card — 
Issue: Balance transfer — 
Company: DISCOVER BANK (MT)

I received an advertisement from Discover Credit Card approximately three weeks ago. I do n't remember if it was in the mail or via email. It advertised a low interest and zero cost balance transfer from another credit card. So, in part of the online application process, I included balance and account info from the other credit card company, so if approved Discover would automatically transfer the balance. The screen then switched to another menu and I was informed that I was not approved for the special rate. I was asked if I wanted to open the account anyways. I said yes, and opened the account. 
I want to be very clear, at no time was I offered any information about a balance transfer under a different offer. I was completely under the impression that I received a new credit card account, and that was it. I was not told about a new modified from original offer for a balance transfer, fees or rates. 
I received my new credit card and activated the card and set up on line access. They offer a service where you get text messages whenever something happens with the account, I activated this feature. 
A few days later, I received a text message, letting me know that Discover had authorized a balance transfer. I immediately called. They stated that they understood, but the transfer was already in process and they could not stop the payment, their adivce was to contact my other CC company and have them refuse payment. I then called my other credit card company, and they said there was nothing they could do, the money would come electronically. Their advice was to call back to Discover and have them stop payment. I re-contacted Discover and asked them again to stop payment. I was informed at this call, to wait until the money was transferred, and finalized and then call them back and they would fix it. I then called Discover on XXXX/XXXX/2017 and spoke with a rep named XXXX. He was empathetic, but that 's it. I was told the transfer stands, there was nothing they could do about it, my only option was to contact back to the other CC company and request a balance transfer back to the other account. 
I was stuck with the almost {$70.00} in transfer fees and a much higher interest rate than I was previously paying. I asked if they would at least remove the balance transfer fee. I was told no. I asked for a lower interest rate. I was told no. 
I would not have approved this balance transfer if given the option. I 'm paying a higher interest rate, plus fees to transfer. I was only interested in the " teaser '' advertised rate, of no fees and low interest. During the application process, I was not given a choice, nor told it would transfer anyways with the different approval IE higher fees and rates. I was told there was nothing they could do, or were willing to do, I was stuck.
Consumer complaint received 2017-03-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: CITIBANK, N.A. (GA)

CITIBANK NA., XXXX -XXXX, XXXX-XXXX-Television & Radio I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry that I did not authorize. I have previously disputed this item and it was removed from my credit. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent a letter certified mail because I need a prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 
Thanking you in advance.
Consumer complaint received 2015-04-09
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: YSA ARM LLC DBA Oxygen XL (PA)

We had a credit card terminal that was presumed to belong to us. We paid {$100.00} for it back in XX/XX/XXXX. We quit using XXXX XX/XX/XXXX, but they say they never received notification the we ended. In XX/XX/XXXX they contacted us about returning the machine or pay {$450.00} for the machine that I thought we already owned. We said we would return the machine. 
We shipped the machine out and they received the machine on XXXX/XXXX/XXXX. We have been getting call after call from XXXX XXXX of Oxygen Recovery Group about a {$500.00} debt owed to Merchant XXXX. I call XXXX at XXXX XXXX at XXXX and he tells me it has been taken care of. XXXX will not call XXXX to verify, he just keep calling me. I told him and XXXX last time that if I ever heard from them again I would file a complaint and maybe sue them. Well today I get a letter from Oxygen Recovery Group again telling me I still owe and to pay or they will report to the credit bureaus. 
I WANT THIS HARRASSMENT TO STOP IMMEDIATELY. 
XXXX XXXX XXXX XXXX, XXXX.
Consumer complaint received 2015-07-07
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Continental Services Group, Inc. d/b/a ConServe (FL)

After reviewing a recent credit file report provided by XXXX, it has come to my attention that " ConServe '', a collection agency based in XXXX, NY, failed to send written notice of a debt, did not specify the debt amount, and did not provide a statement with my rights to dispute the debt. The company has operated under unlawful pretenses and has violated the Federal Fair Debt Collection Practices Act. I seek an outcome through the ConsumerFinancial Protection Bureau that will rectify this gross consumer rights injustice.
Consumer complaint received 2017-01-21
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (AL)

I experienced exactly what is detailed in the lawsuit against navient. Upon graduation I was unable to find work in my field. I contacted navient to try to consolidate my loans to get a lower monthly payment. I was informed my loans were considered to be consolidated because they held all of my loans and my payment could be no lower than roughly {$250.00} a month ( while my wife who has XXXX in student loans more than me pays half ). I was told I did n't qualify for income based repayment. I was instead directed toward deferment and forbearance.
Consumer complaint received 2016-12-01
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: FORD MOTOR CREDIT CO. (FL)

XXXX sold me a " new '' vehicle with the odometer registering 585 miles, which I did not notice until the following day because the car was tested at night and the salesperson changed the electronic display to show mpg not actual mileage. In addition I agreed to a 72 years loan a 0 % interest with a monthly payment not to exceed {$260.00} but they issued a contract for 74 months and a beginning mileage of 4 miles, therefore misleading the Ford Motor Credit to issue a loan under false pretenses. I have tried to get the Ford Motor Company to assist me but they have ignored my letter sent twice to the CEO, XXXX, my emails to Customer Relations and my voice mails to the Executive Offices requesting a call back phone call. As a result of XXXX deceptive selling tactics and wrong financial information on a contract for financing with Ford Motor Credit, a subsidiary of the Ford Motor Company, I suffered a financial loss by having to trade in the vehicle at a lower book value because it was not considered new by another Ford dealer. Attached is the contract with Ford Motor Credit as well as my correspondence to XXXX, President and CEO of the Ford Motor Company and my email replies to the company when they send me Ford propaganda. In addition to the car not being new, it had worn out, bleached looking plastic door frames and the Office Manager, XXXX offered me to have them painted, which I could not agree to. Loaned car sold as new using false financial information to the financing agent and with cosmetic defects. I am also attaching the contract with XXXX that sold me a new car in perfect condition after some minor delivery problems so that you can see that I suffered a financial loss that I estimated to be no less than {$2000.00}.
Consumer complaint received 2017-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (GA)

On XXXX XXXX, 2017, I became aware that several credit inquiries had been made on my credit report. These inquiries were the result of identity theft, in which someone used my personal identifying information to apply for and or obtain credit cards and make fraudulent purchases. One of the credit cards applied for was approved and was issued by Chase Bank. I contacted Chase and let them know of the fraud. I then followed up with a request for the information used in opening the account, including the IP address. I included the name of the investigator working on the case and a notarized Affidavit of Fraud.This was mailed on X/XX/17. I did not receive the information that I am entitled to under the Fair Credit Reporting Act. I also faxed a request to the Chase Correspondence Team on XXXX/XXXX/17 and have not received the information. As I have stated, I am entitled to this information by law. I would like to find out who has done this and the information I requested may help me to do so.
Consumer complaint received 2017-01-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NY)

Since Navient started servicing my loan, I have been unable to apply portions of my payment to principle. They have been re-directing all or most of my payment to interest, therefore seriously delaying the pay down on my massive student debt. I have, at the suggestion of the lender, adjusted the amount I pay several times. Sometimes, the amount was adjusted without my consultation. However, the loan balance is still massive because very little is actually going to pay down the principal. I have paid Navient over {$24000.00}, through regular on time payments, but have only seen a fraction of that applied to bring the balance down
Consumer complaint received 2017-01-13
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: ALLY FINANCIAL INC. (NY)

I have recently become a victim of fraud after having lost my wallet on XX/XX/2017 due to multiple unauthorized atm withdrawals that took place on my interest checking account. I have initiated disputes for the 2 unauthorized atm withdrawals through Ally Bank which comes to a total of {$800.00}. I have also submitted a fraud affidavit through the FTC which was attached to my disputes in support of the theft. I have reported my debit cards lost and requested new replacement debit cards. I have been told the investigation will be concluded within 10 days from XX/XX/2017. The loss of my wallet also resulted in theft of my NYS learner permit and social security card which also may take time to replace.
Consumer complaint received 2016-05-11
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Premier Portfolio Group (KS)

This company keeps calling and threatening that I will be sued or arrested if I do not contact them within 24 hours. They will not validate any debt and when you question anything they hang up on you. If this is a valid debt they need to validate it. If it is not a valid debt they need to stop calling. Also they need to stop using threat tactics to try to collect a debt. They say their name is Premier Portfolio and they call from many different numbers from different states. They have told me that they can not provide with the name of who the original debit is owed to. This is information that by law I need to be provided. This company needs to stop calling people.
Consumer complaint received 2016-10-12
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC. (SC)

I sent in a dispute letters to Ally Finacial originally on XX/XX/2016 by USPS which they signed for it on XX/XX/2016 to dispute a account that was showing up on my credit report. They DID NOT send a response letter to me until XX/XX/2016 which the letter was dated XX/XX/2016 AFTER the 30 days time frame they had to respond. Also they DID NOT mark ANY of the credit bureaus disputed. That was after the 30 days time frame they had to contact me back in reference of my dispute. I sent them a second letter on XX/XX/2016 which was signed for on XX/XX/XXXX informing them that they had broken the federal law b/c they had 30 days to respond back and they responded back AFTER 30 days. I requested that by Federal Law they have to remove the account off of my credit report. They responded back to me XX/XX/2016 once again with documents but still not marking my credit report and still DID NOT remove the account from the credit report even though once again it was after 30 days of them responding. I sent out a third letter on XX/XX/2016 and was signed for on XX/XX/2016 advising them that once again they had broken the federal law of having 30 days to respond and mark my credit report as disputed. I checked my credit today XX/XX/2016 and it is showing that my credit report was updated today and marked disputed but sent NO documents. They have continuously broken the law and would not comply by removing the account since they did not respond to me within the 30 day time frame. I need this company to completely remove this account off of my credit report b/c they have broken the Federal Law twice and still have not completely resolved my issue.
Consumer complaint received 2016-09-02
Product: Credit card — 
Issue: APR or interest rate — 
Company: DISCOVER BANK (WA)

Discover IT issuing credit cards based on shady predatory lending practices. Issued me a credit card with a 20 % interest rate and a {$7500.00} credit limit on a poor/limited credit history. Only other credit card I had was a few years prior and was only for {$500.00} which defaulted when I lost my job.
Consumer complaint received 2016-03-17
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: BB&T CORPORATION (WV)

I have an account through BBT and I also have a vehicle loan. On XXXX/XXXX/2016 my husband was hurt at work and has been unable to work since so after talking to BBT we decided to do a voluntary repossession on our truck that we was paying XXXX a month for because we knew that we couldnt pay it with him not working and we didnt want to get behind. When we took the truck back to the BBT location XXXX of their employees told me that they would sale the truck and if there was still an amount owed they would set up a payment plan with me. After that day we had recieved nothing from BBT about our truck being sold. Today XXXX we went to get groceries and our cards wouldnt work so we went over to the same office where they tell us that the collections dept. had froze our account and zeroed it out leaving us with no money which was around XXXX. The guy we had dealt with before said he had never seen them do that and he tried calling around for us but didnt get anywhere. I called and spoke with a collections manager with BBT and she told me that it is standard procedure to take what is owed to them and that it was in the papers that we first signed when we got an account with them even though that has been many years back that we started up an account. What I dont understand is that we have been loyal customers with BBT for years before getting this truck loan and we have never overdrafted or had any problems with them and we have never been late on our vehicle loan either. We didnt get any information saying that we still owed on the loan, they just took every bit of money that we have instead of trying to work with us and do a payment plan. We could have just kept the truck not payed the payment and a couple months from now they would of repossessed it but instead we tried working with them and they done this too us, leaving us with a balance of XXXX in the bank and no cash
Consumer complaint received 2015-10-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (WA)

I have two complaints regarding Nationstar Mortgage. 
1. I am currently in a Ch XXXX BK. My mortgage is paid by me outside the BK payment plan. As someone who has experienced significant financial troubles in the past, I think it 's very important to make sure my payments are made on timeand accurately posted. I have requested several times to receive statements - and my Attorney has given permission to Nationstar to contact me. However, each time I get " you 're in a BK so we cant send you statements '' - however, when I call on the phone and need to confirm EVERY MONTH that my payment was received and every quarter request a copy of my payment history - their phone recording has a long disclaimer how if you 're in BK this is not an attempt to collect ... .. - subject to the rules of the BK. My complaint is - Why ca n't they just put that disclaimer on the statements and send them each month? I know other mortgage companies do this. Also - once I filed BK - they shut off my online access so I ca n't even look there! This seems like a punishment to those of us that had financial difficulty and now we have to continue to 'pay for it ' when we are trying so hard to get back on our feet and rebuild. I hated that we had to file BK and- my mortgage was current at that time we filed. 
2. I have requested an escrow analysis now XXXX times. Each time I get the - OK it will be mailed to you. I have never received it. Today when I called - I got that " it 's not ready yet '' and I ordered it over XXXX weeks ago. WHAT? It 's an escrow analysis - it takes XXXX minutes to run on a computer - probably not even that long since the first time I called, the customer service rep did it while I was on the phone. Today the CS Rep told me he could n't mail it to me but he could give it to me over the phone? Now they tell me it 's not ready yet and they will only mail it to my Attorney. This seems like further delays XXXX punishment ) and also takes more of my time and his time to follow up. If they just sent me a statement I 'd know what the status of my escrow account was! 
I think this - 'we ca n't send any info to you ' is a cop out - especially once your BK is 'taken care of '' and the approved CH XXXX payment plan begins. I feel that it is discriminatory towards people who have filed BK. We used legal means to try and get ourselves back on track. I want to make sure my payments are received timely -what if there is a problem with my 'bill pay service ' and it does n't show - how do I know in a timely manner in order to avoid additional fees or bad marks on my credit? When I went through my BK - it was noted that my escrow account had a significant shortage - almost XXXX worth - which I had to come up with and pay right away. What it that happens again? How am I suppose to know? I am committed to managing my funds responsibly and getting back on track - this constant battle with Nationstar is nothing more than them harassing me due to the BK.
Consumer complaint received 2016-06-09
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BB&T CORPORATION (PA)

I traded in a vehicle on XXXX XXXX ( XXXX XXXX ) and bought a new car.! week later a collection agency calls me at work and was rude at best wondering why I have not made my payment on the XXXX. I explained to him that the vehicle was traded in and to who. It is a very reputable dealership. He said OK. Today he calls my wife and starts giving her a hard time and making idle threats about posting to my credit report and legal action which I think they already did because my score dropped XXXX points today after being told it was traded in and to whom. So I contacted the dealer and they are going to give me documentation that the XXXX has already been paid off by them. So it appears it is their own documentation that is not in order and now they have hurt my credit score and have phone ethics that are not very good.
Consumer complaint received 2015-10-28
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION (NC)

I have never opted in to any fee agreement with my bank, Branch Bank & trust. I have opted out of their fee agreement on several occasions, most recently the XXXX of XXXX. The previous times with their customer service dept. over the phone and fees were refunded. They have again illegally charged my personal account {$72.00} in overdraft fees and have refused any refund. These fees are illegal according to the Overdraft Protection Law. This is not first time this has happened. I contacted BBT and they said I was opted in, how convenient for them. I have never nor would I ever opt into a fee agreement. I believe it is BBT that has changed my opt out to suit their needs. My goal is to recover my lost fees and you to investigate BBT for illegal practices. Thank you
Consumer complaint received 2016-07-03
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: ALLY FINANCIAL INC. (AZ)

I have ally bank checking and savings account. I wanted to transfer $ XXXX from my ally bank account to my spouse 's ally bank account. But finding it very difficult to deal with this bank ( ally ). 
1 ) They have setup limits for XXXX transfer which is $ XXXX for 30 days. 
2 ) they have some very useless excuses " why do n't both of you open a joint account '' rather than fixing this issue. 
3 ) Ally is not ready to increase the 30 days limit to more than $ XXXX even when i am ready to take all the risks/accountability 4 ) They use a bad excuse that XXXX is from 3rd party so they dont have any control. 
I am really impacted due to the limitations by this online bank. Have they been concrete or mortar bank..i could have walked-in and did it on my own.
Consumer complaint received 2017-02-14
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: DISCOVER BANK (MI)

I have mailed in money orders with the clear account number on it and the loan number on it and a letter stating this laid out. It was recieved and again payment put to the wrong account and not a sub set loan. 2 WEEKS now of going back and forth on the phone they have still not correct and charging interest on the loan in the meanwhile. Its very simple account XXXX with loan XXXX is not account XXXX distrubte to all.
Consumer complaint received 2015-05-23
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: WLCC (CA)

Arrowhead advance got paid XXXX for a XXXX dollar loan I offered to pay them the balance of XXXX dollars due. Today they debuted my debit card for XXXX so they have gotten paid XXXX the XXXX loan is illegal in my state of California.mi emailed the, weeks ago and they acknowledge my revocation to stop all ach and debit card transaction yet today they debited my account. These types of loans are illegal in my state and yet they still debited my account. I have disputed the charge with XXXX XXXX.