davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Westlake Services, LLC (MO)

I started my contract with Westlake FinancialXX/XX/XXXX. The opening balance was {$20000.00} with an annual APR 23.99 % and a loan term of 72 months. I have a simple interest loan with interest incurred daily at a rate of {$12.00}. On XX/XX/XXXXI requested the payment due ( {$530.00} ) be deferred. I confirmed with XXXX XXXX that my payment would n't change and was told it would create a balloon payment with interest at the end of the loan. I confirmed that it was okay. Upon my request a document was sent to my email for me to electronically sign. In the document it says " You understand and acknowledge that the referenced extension shall result in additional interest being assessed on you account. Therefore, at the end of your scheduled term, there will be a balloon payment. '' I continued to make regularly scheduled payments XXXX XXXX. With a then balance of {$19000.00}, this balance remained from XXXX XXXX to XXXX XXXX with a total interest of {$4800.00} being paid. I spoke with a customer service individual XXXX XXXX, XXXX who confirmed that my monthly amount applied towards interest is {$370.00} and {$160.00} towards principle. After careful review of the payments and charges on my account I have found that there has been several payments that I made that were only applied to the interest. I have paid a total of {$8600.00} just in interest. You will see in the attached documents that I have gone several months with an unchanging balance amount. My current balance {$19000.00} has remained the same since XXXX XXXX. The conversation on XXXX XXXX, XXXX with XXXX XXXX discussed the details of a deferred payment. I was told that the principle amount was the only payment that was coming from the balloon payment at the end of the contract. Interest is added from the last time you pay until the next time you pay when you defer the payment. For example, I deferred my payment XXXX XXXX, interested accrued at {$12.00} per day from XXXX XXXX until XXXX XXXX when I made my next payment. I am very confused because I feel as though I am not getting anywhere. Refinancing is not an option with this financial institution nor with any other because my car is worth less than owe.
Consumer complaint received 2018-01-18
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

I sent a letter to XXXX XXXX and Equifax stating that the XXXX XXXX credit card account XXXX In this the amount of XXXX dollars was unverified. I ask them to send verification and validation of the debt with documentation of the original contract with signatures which XXXX XXXX is suppose to have per FCRA and FDPCA to report to the credit agencies. All I received back was the was verified with no explanation. There was no real investigation done and no proof of said investigation.
Consumer complaint received 2018-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I 've called XXXX XXXX regarding 2 late payments, payments was sent but was not credited on time, they said they investigated an it was no problem on their side. I disagree and now credit report is showing late payment. I 've had account for 4 years with no late payments.
Consumer complaint received 2018-01-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc. (WA)

I purchased Bitcoin on XX/XX/XXXX. {$10000.00} was taken from my XXXX XXXX XXXX account on XX/XX/XXXX. Today is XX/XX/XXXX and I still do n't have my Bitcoin. 

Coinbase Reference Code for this transaction is XXXX The support is dead. For weeks they were copy/pasting some fragments from their help page. Then, I got a message that they are really sorry and I should wait. ( Case XXXX ) Now, they ignore my messages for 10 days.
Consumer complaint received 2018-01-17
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Stearns Ventures, LLC (AL)

I am a XXXX XXXX veteran who served my country proudly for 26 years. At the time I purchased my home with a VA loan I had steady employment with the same XXXX company for 18 years and felt secure that I would have no issues affording my home. Unfortunately 3 months after the deal closed I was laid off and for a period of 6 months only had limited income. As a result I struggled financially and defaulted on my mortgage payment. My issue is that my current servicer Stearns is not giving me any options to resolve my delinquency. My hardship was temporary and I am employed again and receiving military pension as well as SSI. I can afford a reasonable payment. However, Stearns has given me the runaround during the last 18 months that I have fought to solve this problem and now I face a foreclosure sale date on XX/XX/XXXX. This is wrong. 

I was a XXXX XXXX XXXX in the XXXX for 26 years. After getting out of the XXXX. I found work as a XXXX XXXX for an XXXX company and worked there for 18 years. We moved to the Florida area in XX/XX/XXXX and I was happy to be able to purchase a home with a VA loan in XX/XX/XXXX. As mentioned, when I closed the deal everything was fine at work, and I was shocked when I was laid off 3 months later after 18 years. I spent a lot of time looking for a new job and finally found work as a XXXX  XXXX about 6  months later. During that time period the only income came from my pension and we struggled financially and fell behind on our bills. I reached out to our servicer at the time XXXX XXXX to attempt to get some assistance through modification or forbearance or repayment plan. We started going through a very laborious process where our documents were continually misplaced, there was no assigned point of contact and a very confusing period with little to no communication. Eventually a review was conducted and I was told we were denied because I made too much money? I then tried to make a lump sum payment of {$6000.00} in order to get back in good standing but Stearns refused to accept this payment. To date they have continued to demand full reinstatement of the whole past due amount. My financial circumstances have changed, I now receive SSI along with my pension and my full time work. I can easily afford a reasonable mortgage payment. The problem is that Stearns is telling me I make too much money so they wo n't give me any choices except pay it all back. However, I do n't have the resources to pay it all back. 

I firmly believe that Stearns is denying access to government programs that should be made available to a homeowner with a VA loan. I am hopeful that your office can intervene on my behalf and help with this matter. I am facing an upcoming sale date and need to save my home, it is the right and fair thing to do.
Consumer complaint received 2018-01-17
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITYWORTH MORTGAGE LLC (FL)

WE were contacted by CityWorth Mortgage and had an approval letter for a FHA loan in the amount of {$140000.00} to buy a house. We worked with a realtor and found a home on XXXX XXXX, 2017,  and had signed a contract to buy the house and gave the title company $ XXXXto start proceedings and buy said house.My husband and I attempted to contact XXXX XXXX XXXX the broker with CityWorth Mortgage. The realtor we were working with also attempted to Call XXXX XXXX and could n't get a hold of him. We were on a time restraint and since XXXX XXXX was not responding to any emails or phone calls we went with a broker the realtor has worked with before. The broker told us we did not qualify for a loan at this time and did n't know how CityWorth Mortgage could say we did. We had already given the title company {$1000.00} and no way to buy the house and had to cancel the contract. I have filed a complaint with Consumer Affairs and the company 's response was a fabrication of what they did to try and resolve this. In addition, the company did n't even contact us when we were trying to contact them until after the complaint was filed.
Consumer complaint received 2018-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX auto account is settled and the account needs to be updated in all of the credit bureaus. Still showing negative. Please correct this matter. I have been patience now its has to go now. 
Thanks very much Pleased with your help with concern
Consumer complaint received 2018-01-17
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: EQUIFAX, INC. (FL)

On X/XX/2018, XXXX made an unauthorized hard credit pull on my Equifax credit report.

Contact information : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX Phone ( XXXX ) XXXX.

I do not have an account with XXXX and I did not attempt to open one.

I filed a dispute with Equifax and notified XXXX directly and no one has corrected this problem.
Consumer complaint received 2018-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

To whom it may concern : I have had a lot of problems with the Board of Equalization of XXXX XXXX California. Attached are Affidavit ( s ) letters to the point of contact ( XXXX XXXX ) and her associates from the B.O.E.. I had a family business during the recession of XX/XX/XXXX XX/XX/XXXX and the economy got the best of us, but I paid our tax lien of $ XXXX -/+.

The tax lien debt was tendered in XX/XX/XXXX and the BOE from XXXX mailed me a tax payer copy, showing, and expressing a tax lien release filed by the BOE of XXXX within XXXX XXXX  and XXXX County of California. The BOE also went after my son ( XXXX XXXX ) creating another account number to create another $ XXXX of owed debt by filing the same debt publicly under my son. I have letters expressing the confusing and I even gave instruction to the BOE to following up with their Headquarters, but we somehow come back to the issue yet again. Please review all attachments.

Thank you, XXXX
Consumer complaint received 2018-01-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (FL)

Chase Bank, NA JP Morgan. On XX/XX/XXXX charged me in the same day and in less than an hour {$68.00}, they said for INSUFFICIENT FUNDS FEE, as always this financial institution apply their regulation in their favor. they paid first a check that i wrote to XXXX XXXX XXXX and deposited XX/XX/XXXX and then they paid my car insurance some minutes laters my social security pension. For me this It is not fair and is an abuse against their customer. When I called Customer Services they says can not remove that fees, because they paid the check to XXXX XXXX XXXX at XXXX on XX/XX/XXXX and my Social Security at XXXX XXXX XX/XX/XXXX that 's why I 'm making this complaint to help me get this bank back my money.
Consumer complaint received 2018-01-17
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (CA)

In XX/XX/XXXX I tried to use my XXXX XXXX it was denied. Did not think anything about it, because I just paid my balance. Today XX/XX/XXXX I looked up My account and it said it was closed with a {$0.00} balance. Call Customer Service was told it was because of lack of activity. I could not understand that so I finally spoke to a credit specialist and she claims the no activity and they checked my credit again and then because I did not owe any money and my credit score had gone down they decided to close my account. How can this happen? Why did they not send me a letter, which they are now sending me within 20 days? I am shocked that a company would close an account with no balance and then check my credit to close it. 
XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX cc # XXXX XXXX limit {$110.00}
Consumer complaint received 2018-01-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (HI)

Hi, Today, Wednesday, XX/XX/XXXX, I received a collection notice for a XXXX XXXX XXXX for the amount of {$29000.00}. This notice is from a collection agency, Municipal Services Bureau ( hereinafter referred to as MSB ). 

I filed a complaint on XX/XX/XXXX against MSB for sending collections to my residence at XXXX XXXX XXXX XXXX XXXX, Hawaii for A XXXX XXXX XXXX for the amount of {$1400.00}. 

This is the 3rd collection notice I have received from MSB at my address for the wrong person. The first notice was for a XXXX XXXX XXXX ( now deceased ) and the second and now third time for a XXXX XXXX XXXX. 

I filed a complaint with your agency on XX/XX/XXXX which was readily handled and I received an apology from MSB and they claimed that my address would be permenantly removed from their consumer record. 

This continued inept handling of collections by MSB is becoming tiresome. It is a hassle for me to keep addressing this issue over and over again. The system they use to track people known as the " skip trace system '' is definitely flawed as it continues to attach my address to other people named XXXX XXXX who do n't even reside on XXXX. I may contact an attorney if this XXXX continues. 

I would greatly appreciate your help again in contacting MSB to resolve this issue. 

XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Hawaii. XXXX
Consumer complaint received 2018-01-17
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MI)

I have called Navient on multiple occasions informing them that I was having problems with making my payments and I needed a lower option. They never gave me any options they set me up on an automatic payment option and told me I had to stick. I called back several times to let them know that this would not work for me. They stated that they only had one phone call from me and that was in XXXX. From XXXX to XXXX they never processed one payment. I would call in and make a payment. On XXXX XXXX they processed a payment without letting me know. I called in to tell them that the needed to cancel this payment because it was not authorized, they stated that it was set up on automatic payments, and that I should have told them to cancel it. I told the representative that I had called in and told them that this was not working for me and she said I had not been calling in and that the only time i called was in XXXX. I said I called in and I told them that this was not working for me and I also said that I did not want the automatic payments, no one never said that I could stop this payments until I spoke with the representative on XXXX XXXX after I had been telling them this option was n't working for me. On XXXX XXXX they finally stopped the automatic payments but now I am left with a over draft fee of {$210.00} for a payment that was not processed, my bank will not stop the check. I wish I had another option than to deal with Navient. The customer service Representative today was very nice, however previous to this one today the rest of them were rude and very demanding and did not offer any solutions.
Consumer complaint received 2018-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BB&T CORPORATION (NC)

I have recently been informed by BB & T that my XXXX  credit card is delinquent a balance of {$160.00} and {$50.00} of which has been reported to credit agencies for non-payment. 

I have not used the card recently and last paid my full balance off in XXXX XXXX. I have contacted BB & T collections and they are unable to explain the series of charges. 

The identified a " RAP Fee '' charged in the fall and then subsequently accrued late fees and subsequent RAP fees. In speaking to a dispute agent they said they did n't know what this fee was but indicated that it was not a merchant fee or charge but a BB & T internal fee. 

I have been attempting to contact BB & T via online portal but my account is locked as well as by phone and have been unsuccessful because of excessive wait times ( i.e., > 45 minutes ) I am concerned because this beginning to damage my credit and I do n't understand charges and am having systemic problems in contacting BB & T. 

Thank you, XXXX XXXX
Consumer complaint received 2018-01-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAC Financial Corp (TX)

I do n't know what this debt is for -- - TWO DEBTS ARE LISTED ON MY CREDIT REPORT FOR THE FOLLOWING AMOUNTS : 1. ) {$790.00} 2. ) {$180.00} 1. ) CAC Financial nor XXXX of XXXX Texas explain what these debts are for. 

it is noted is was reported on XXXX XXXX, 2016 NOT ENOUGH INFORMATION HAS BEEN REVEALED FOR THIS DEBT.
Consumer complaint received 2018-01-17
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: FORD MOTOR CREDIT CO. (TX)

A Texas motor vehicle retail installment sales contract was started on XXXX/XXXX/2017 for leftover XXXX new XXXX XXXX. The amount borrowed is $ XXXXXXXX1.90 % for 72 months with a monthly payment of {$490.00}. My contention is the monthly payment should be {$480.00}. If you do a simple loan calculation you will come up with $ XXXX looks to me that they are using an interest rate of 1.9235 rather then the original rate agreed upon.I contacted the credit co. that is carrying my loan to no satisfaction. Although this is a small amount of XXXX cents per month and {$24.00} over the 72 months, it may prove considerable fraud over thousands of accounts.
Consumer complaint received 2018-01-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC (CO)

I came to CFBP regarding this very matter in XXXX. Now CFPB has initiated this ... 

" CFPB Takes Action Against XXXX XXXX XXXX XXXX XXXX, Transworld Systems for Illegal Student Loan Debt Collection Lawsuits All XXXX Loans Will Be Independently Audited, Companies Will Pay at Least {$21.00} Million and Stop Suing for Invalid or Unverified Debts XX/XX/XXXX '' I understand that the CFBP could not assist at the time for whatever reason in XXXX referencing case number : # XXXX. When I came to CFPB asking for the assistance. After I did my research I found that I never even knew XXXX XXXX XXXX XXXX XXXX. and that I had never had any dealing with them at all. I am requesting that CFBP add XXXX XXXX XXXX to the above referenced publication on the CFPB website.
Consumer complaint received 2018-01-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY (DC)

On XX/XX/XXXX, I closed my Wells Fargo checking and savings account. I received a statement stating that I owe {$11.00} for fees after my account was closed. In addition, the branch manager provided me with a check for {$21.00} for the remaining balance in the accounts. On XX/XX/XXXX, I called Wells Fargo to inquire why I was charged additional fees. I was told by case management that the only way to have my fees reversed would be to return to the branch and request that the bank manager call their internal collections for a waiver. I no longer have account access to see all of the charges.
Consumer complaint received 2018-01-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MA)

Submitted in XX/XX/XXXX./XX/XX/XXXX my annual certification for my Income-Based Repayment plan. I was informed I could switch to the Revised Pay As You Earn plan, which I completed successfully. In order to process it with XXXX XXXX, they asked me to pay a full payment ( even though I was already approved for a lower payment amount ) as a " forbearance payment '' and it would be switched in XX/XX/XXXX. 

I was properly placed into the Revised Pay As You Earn plan and the new payment amount was also properly set for my direct debit plan. I called XXXX about a difference in my next bill of around XXXX {$160.00} ( difference between my new monthly bill and my former payment plan ) and was told it was an error in their billing software/department and would be corrected by the next bill. The next 2 bills continue to be in error still. 

I 've now called them three time about this issue, around XX/XX/XXXX/XX/XX/XXXX as aforementioned, in early XX/XX/XXXX and now on XX/XX/XXXX. All three times they say it is their company 's issue, they will put in a support ticket to have it fixed and have it expedited, and that it would be fixed in a week or two. They have failed to complete this promise at least twice. 

During my call on XX/XX/XXXX between XXXX - XXXX, I spoke with XXXX ( ID # XXXX ) and supervisor Mark ( ID # XXXX ) who stated that Mark was able to make the correction in the system after 3 minutes, while he put me on hold, and that the correction would be visible to me via my account online in 24-48 hours. He also promised that the fake delinquency would not be reported to any credit agencies until after 90 days. 

My complaint involves two major elements : 1 ) correction to their billing software, policies and procedures, to ensure that other customers do not receive false billing statements and threatening letters due to their mistakes, and 2 ) that the required " forbearance '' payment be investigated for its legality. If it is a normal occurrence, then this information should be shared widely and very often to customers who select any payment plan and again before they switch plans.
Consumer complaint received 2018-01-16
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CO)

I attempted to make a payment on XX/XX/XXXX in the amount of {$190.00} and my payment was rejected. I called XXXX XXXX the owner of my checking account debit card and they had not placed any holds on my accont for fraud. I called XXXX XXXX to ask why the payment was rejected and was told it had to do with my bank.I then made the payment over the phone. I again tried to pay a bill on XX/XX/XXXX for {$120.00} and again my payment was rejected.