davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-23
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK (NJ)

DISCOVER CARD PUT NEGATIVE REMARK " CLOSED BY LENDER '' ON THE CREDIT REPORT BECAUSE I HAD TOO MANY DISPUTES AND FRAUD CASES OPEN ON MY ACCOUNT! DISCOVER FAILED TO PROTECT XXXX FROM COMMITING FRAUD ON THE CARD.
Consumer complaint received 2016-01-13
Product: Credit card — 
Issue: APR or interest rate — 
Company: DISCOVER BANK (GA)

Good Morning, I have a complaint about how discover card applies minimum payment every month. I have XXXX different interest rate that cover XXXX different balances. for example i have a balance of XXXX with a 14 % int, a balance of XXXX with 17 % int and a bal of XXXX with 21 % int. The XXXX balance is on older purchases and the 14 % is on new purchases. When they calculate my interest charge for the month, they have XXXX different interest charges from the XXXX balances. Each interest charge is added to the respective balance for example the int charge for the XXXX at 21 % is added to the XXXX balance. However, when I make my min monthly payment which includes the interest charged on all XXXX balances, the min payment is applied to the balance with the lowest interest rate. That means the balance with the high interest rate keeps going up and I am charged interest on top of interest for the following months. The min payment should be applied to all XXXX balances. Meaning interest charged at 22 % should be subtracted from the min payment because the min payment includes the interest charge for that month. This is a deceptive practice that discover card is practicing and has been practicing for years. It will take a lot of math to calculate how much I have lost due to this practice.
Consumer complaint received 2017-01-20
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK (CA)

This is ANOTHER example, of my statements, the information, JUST BEING SO SO SO SO SO WRONG. 

I want $ XXXX for ALL THE TIME wasted on THIS NONSENSE, the {$2500.00} should pay off the remaining amount that I need to pay DFS XXXX whatever is leftover- XXXX 's just categorize it as time lose, both on my part and from all the different parties that have been contacted by be. 


How can a dispute that was REFUNDED- be claimed as a valid charge? Unacceptable- I can not micromanage this account anymore, {$2500.00} to no longer deal with this headache and for me to end my membership- so DFS no longer has to deal with me.
Consumer complaint received 2017-02-05
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: DISCOVER BANK (TX)

I had a debt with Discover card charged off in 2007. The seven years have passed and the debt/collection has been removed from my credit report. Subsequently, today I received a XXXX debt cancellation from discover card. It is my understanding this tactic has received numerous complaints. Additionally, this is old debt. Why did they not issue this over 10 years ago? Please advise. I clicked debt paid because there was not a better selection. The debt was charged off 10 years ago.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NY)

I have federal student loans with Navient. I went into repayment around XXXX and had signed up for the income based repayment. I soon realized that I would n't be able to maintain my repayment amount and called to find out if I could have my payments reduced or if there we 're any other options available. The loan office I spoke on XXXX XXXX 2016 to told me that my payments could n't be lowered and that my only other option was to put my loans into forbearance unless I provided proof with pay stubs or taxes that my payments were going to be too much to manage. I signed up for the forbearance which was approved XXXX XXXX 2016 and ends in XXXX but I still feel discouraged and doubtful about my loan repayment. The officer was not understanding at all and now I 'm accruing more interest when I could have been paying an amount that would be suitable for me. I was also unaware of a delinquency notice I received and was not told about it when I first applied for forbearance in XXXX of 2016. Meanwhile the notice was sent to me in XXXX of 2016. I believe that people should really reach out to you and no only when they want you to pay a fee.
Consumer complaint received 2016-06-20
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect (AK)

I am filing this complain against AMERICOLLECT INC and XXXX XXXX XXXX for unfair business/collection practices. 
I received a collection notice XX/XX/XXXX regarding an unpaid medical bill that I was not aware of. When I called the collection agency, they only wanted my information and immediate payment. Frustrated, I told them that I was not aware of this bill and they should not be collecting it therefore, I will not be providing any further information to them. 
right thereafter, I called my doctor 's office to voice my surprise and frustration regarding the situation. I was told that there may have been some mistakes but they will get back to me very soon. I never heard from them until today, XXXX XXXX, 2016 when I received an email from XXXX informing me that my account was flagged for collection. 
I immediately called AMERICOLLECT INC and had a very complicated communication the account. I repetitively expressed my disagreement about the whole process. 
How/why am I being held hostage for an unknown-unpaid bill? 
Why has n't XXXX XXXX 's office return my phone call? 
From the collection company 's own statement, a claim was filed with my insurance and is pending. Yet, they still flagging my credit account for collection. I tried my best to tell the supervisor that my account can not be under collection as long as the claim is pending. Further, my Doctor 's office ought, by curtesy, to inform me if the insurance declines to pay the bill. I will then have the obligation to pay the money myself and solve the problem with my insurance. 

AMERICOLLECT agents want to pretend to help me while falsely assuming that I did not pay my bill and it went to collection. The supervisor wants to make be admit that she 's trying to help me. I feel insulted because I never asked for help. Should there be help to be provided, it would be for AMERICOLLECT and XXXX XXXX XXXX. I simply ask for my right to be fully respected and nothing else.
Consumer complaint received 2015-06-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: BYL Collection Services (NV)

I have notified this company several times that this XXXX bill was included and discharged in a chapter XXXX bankruptcy discharged XXXX/XXXX/2010.
Consumer complaint received 2017-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

To whom i t may con cern, I have sent correspondence to all three credit bureaus regarding public records ( Tax liens and Bankruptcies ) on my credit report and asked them to permanently remove the information off of my reports because they have it listed as the courts and the record of deeds as the parties who placed the information in my report and that is inaccurate information, i have correspondence from each stating that they do not report to credit bureaus and it is a violation of the Fair Credit Reporting Act to report false information.
Consumer complaint received 2015-09-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (CA)

My old address is listed as XXXX XXXX, XXXX, XXXX XXXX with my employer at XXXX XXXX XXXX XXXX in XXXX, XXXX 1964. In 1964, I was in high school. I can not live in XXXX, XXXX and work in XXXX XXXX for a company that is long out of business.
Consumer complaint received 2016-09-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (FL)

XXXX. is claiming that I opened this account in XXXX, yet my date of first delinquency was XXXX. I have explained to Equifax and XXXX that this account is not mine. I did not open any accounts in that date and further it was on my credit report from XXXX, was removed and then added back as new debt. I have spoke to XXXX and they admitted the account was from XXXX originally. This is not my account because I have not applied for any credit from anyone since XXXX. I have asked this company to even tell me what this is for and they said its from XXXX. I have not had any XXXX anything since XXXX and left with XXXX balance on my account. I demand this be removed from my credit report. Its extortion and illegal at the highest levels.
Consumer complaint received 2015-07-30
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (MN)

I properly filed a dispute of XXXX unknown medical accounts with Equifax on XXXX/XXXX/2015, they responded with a request that I contact the reporting collection agency, which I did on XXXX/XXXX/2015 ( proof of delivery attached ). The reporting collection agency did not provide me with any valid answer. I re-disputed to Equifax on XXXX/XXXX/2015 with a copy of my letter to the collection agency and proof of their receipt, Equifax again refused to properly investigate or delete these XXXX unknown medical accounts. Equifax opened the investigation XXXX XXXX, 2015 and mailed me the results of the investigation by XXXX XXXX, 2015. Equifax is the only credit reporting agency reporting these XXXX unknown medical accounts. I also contacted the reporting collection agency on XXXX/XXXX/2015 via phone ( since they were not responding to my requests ) I was told that they do not hold these XXXX unknown medical accounts.
Consumer complaint received 2017-03-14
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: U.S. BANCORP (IN)

U.S. BANK RECOVERY VIOLATED THE DODD-FRANK WALLSTREET REFORM AND CONSUMER PROTECTION ACT. ALSO, FAILED TO CORRECT BILLING ERRORS, AND THE CAR AND WARRANTY FAILED AND FILE LEMON LAW COMPLIANTS AND ARE NOW DEMANDING A SURRENDER AGREEMENT.
Consumer complaint received 2015-05-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Focus Holding Company (TX)

Account Opened for collections XXXX/XXXX/2015 original creditor XXXX XXXX. Removed and reopened still lingering on my credit report. 
Account was never opened, no business conducted with XXXX. 
Spoke to XXXX XXXX and XXXX ( did not provide last name ) who advised to send a letter to below address to dispute collection report/Certified letter to be mailed.
Consumer complaint received 2015-08-28
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (SC)

Our mortgage was transferred to Loan Care when we closed on our home. Loan Care did not accurately project the property tax in our escrow analysis and when taxes were due we did not have enough in the escrow to cover it. Without contacting us, Loan Care advanced the additional amount to pay the taxes and added the shortage into our monthly payment as well as increasing our monthly escrow payment. Our mortgage payment had nearly doubled. The amount of taxes paid turned out to be incorrect. The XXXX had mislabeled our property so we reached out to them and they recalculated our taxes at our request. We received a refund for the overpayment and contacted Loan Care so we could apply the refund to our escrow shortage and adjust our escrow/monthly payment according to the recalculated tax amount. We have applied the refund to our escrow shortage but to date the corrected tax amount for our property has not been updated by Loan Care nor has our escrow/monthly payment been adjusted. We are still paying their increased escrow payment for property taxes that are more than {$1100.00} in excess of the actual tax amount. We have contacted Loan Care for resolution several times over the last few months. None of the customer service representatives at Loan Care have been able to help us, no managers or supervisors are ever available to take our calls and even though we have emailed the requested documentation to their tax department and followed up on that email, we still have not received any communication from anyone who will help us resolve this issue.
Consumer complaint received 2015-05-27
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: DISCOVER BANK (DC)

Discover purchased my private student loan from XXXX, and refuses to acknowledge a {$20000.00} deposit made on the principal balance inside the XXXX VA XXXX branch, made in person, on XXXX XXXX 2008. Discover has no record of that deposit, and is blaming XXXX. Except XXXX is claiming that they do in fact have record of the deposit and claim all of that information was given to Discover.
Consumer complaint received 2016-10-18
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK (NY)

i am trying to explain my credit card company, discover card about my issue concerning a unauthorized charged from a sharing vacation company, named holiday vacation.i sent an email from the company as a proof saying that the have refund my money and cancel off my contract. i was trying to contact them, but i couldnt. i talked to my credit card bank discover and they say that they have made a decision about my case and not to refund my money. 

discover bank is not really helpful. they didnt research very well. 

i am very worry about that. please help me up with this matter.
Consumer complaint received 2015-11-29
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: DISCOVER BANK (NC)

Discover Finance has been calling about my credit card debt. This is Sunday, XXXX XXXX. They have called XXXX times today. They call XXXX or XXXX times everyday. I have contacted them XXXX times by mail. I have explain why I can not pay pay now and proof of what I am going threw. They will NOT work with me. Discover number is XXXX XXXX XXXX. They peatedly use the phone to annoy me. Knowing I have very poor health.
Consumer complaint received 2017-02-26
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: KINGS CREDIT SERVICES (CA)

In 2010 my wife had medical coverage under my work insurance but she failed to pay the portion not covered by my medical insurance. Kings Credit services located in XXXX California served me court papers by mail with less than a week to respond and had placed a lien on my property. I paid the debt and they informed me that they would take off the lien on my property but failed to do so and 7 years later it is still showing on my credit report. The medical bills were not mine but my wife 's.
Consumer complaint received 2015-05-14
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP (FL)

I have US Bank XXXX XXXX personal and business credit cards. Both have the annual fee and it is advertized that this annual fee pays for cards benefits. One of the benefits is Bonus Award Night. However they decided to remove this benefit from both cards starting XXXX/XXXX/15. Based on that I believe I am not getting all benefits that I paid forwith my annual fees. And this benefit is still advertized on the application page for new customers.
Consumer complaint received 2015-10-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: U.S. BANCORP (TX)

I started getting calls from XXXX XXXX XXXX at XXXX a month ago. They said I had an overdraft with US Bank sometime around 1995. I did not remember an overdraft so they told me to call US Bank. US Bank said they had no records left, had sold the account to XXXX XXXX, XXXX. I contacted XXXX XXXX. and told them how many phone messages and emails I had sent XXXX to verify debt and they said they would contact XXXX for me. Then a week later I get a call from someone who would n't give me their name saying I was going to receive a summons. I asked why and they told me to call XXXX XXXX. I called and they put the " guy in charge '' on the phone who told me that XXXX did n't have to return my call and since they were taking me to court and plan to win they did n't have to give me verification of debt. They also said I would go to jail for writing bad checks. I do not ever recall writing a bad check. Then the guy said I had one chance to accept a settlement and my answer would be recorded for court and jail. I said without verification I did n't feel comfortable settling for sending anyone money. He was rude and scary and said they will win in court and I was going to jail. I 'm frightened. All I wanted was paperwork confirming this debt.
Consumer complaint received 2017-02-01
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: DISCOVER BANK (MO)

my mother passed away XXXX/XXXX/15 and left no assetts except for this house which i am on the title.. She had a main discover debt of XXXX which i have been attempting to pay.. I am on XXXX and can not afford to make payments anymore.. Discover has been calling XXXX and sometimes as much as 7 times a day..
Consumer complaint received 2015-09-26
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: MCMC Auto LTD (TX)

I was contacted on XXXX/XXXX/15 by MCMC a car dealership whom I 've purchased a car from. They informed a co-buyer that a warrant would be issued for her arrest if we did not return the vehicle in question.
Consumer complaint received 2016-11-29
Product: Credit card — 
Issue: Delinquent account — 
Company: U.S. BANCORP (CA)

On Saturday, XX/XX/2016, I drove to the nearest U.S. Bank branch ( U.S. Bank XXXX XXXX, CA - XXXX office, XXXX XXXX XXXX, XXXX XXXX, CA XXXX, XXXX ) that is open on XXXX to make a payment for my U.S. Bank Cash+ credit card. Before making my payment, I withdrew {$300.00} from my XXXX XXXX credit card, from the XXXX XXXX, CA - XXXX office at XXXX Pacific. After withdrawing the money, I waited in line to make a payment with one of the branch 's teller 's. Since I do not carry my Cash+ credit card on me, I made a {$120.00} payment using my social security number. I made the payment at approximately XXXX Pacific. I am certain that I made the payment before XXXX Pacific because U.S. bank credit card payments are do at XXXX Central, which is XXXX Pacific, and I remember feeling relieved that I made the payment on time. 

On XX/XX/2016, I received a letter saying that my account was past due. But the letter also said that if I had paid that I should disregard the letter. So I disregarded the letter until I received my next statement. When I received my next statement, my minimum payment had increased to {$250.00} because according to U.S. Bank I did not make the payment due on XX/XX/2016. I visited a branch and XXXX of the representative 's printed out a copy of recent transactions that did not show my XX/XX/XXXX payment. The representative told me the best course of action would be to identify my receipt. I looked for my receipt but I was unable to find it. So in the past two weeks, I have gone to the XXXX XXXX, CA - XXXX office to ask for help. I 've been told that they will search for the transaction and reach out to me with their findings. Today, XXXX XXXX, 2016, I called U.S. Bank 's customer service and I was told that only the branch could help me with my issue.
Consumer complaint received 2015-08-28
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: U.S. BANCORP (CA)

XX/XX/XXXX, I informed US bank to please not call me any longer at work my work phone number. They did stop doing this for about a month and then I called to speak with a rep back on XXXX/XXXX/2015 around XXXX XXXX PST. I was asking him about doing a skip payment for my car loan because I was unable to make a payment. During this conversation, he repeatedly asked for my phone number for work. I told him that I do not wish to give out my phone number to my work, I do not want phone calls at work. I explained to him that I had already told them that no phone calls should ever be made and I do not have to give a work phone number at all. He demanded one from me and I still refused and he informed me that I would not be able to do a skip payment unless I gave him a work phone number ( thus now I am past due because I refuse to give him my work phone number ). The very next day, US bank started calling my work phone number. They stopped for a few days after, but have called me XXXX times a day since Monday XXXX/XXXX/2015. Apparently, telling people not to call you at a phone number, or refusing to give one for work, means you ca n't ask for help and then they pull up your previous numbers and start harassing you there -- even though I specifically said not to call me at work. I also completed a survey after this phone call and asked that someone please follow up with me, no one has ever reached out to me for assistance. 
Secondly, when I asked for help, this young man wanted to delve into details of why I could pay. What was causing the issue, how I was going to fix it and if I could not provide this then I would not be able to skip a payment. This should NOT be a requirement to skip a payment. I 've never done so on my car loan so asking for help once I should be given an okay -- but not asked about details in my personal life. Just telling them I ca n't afford to pay should be enough.
Consumer complaint received 2015-04-10
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (NY)

this is the worst company to deal with. customer service is awful. i ca n't get ahold of anyone. the website is so incredibly bad that you ca n't pay a bill. so the only way to make sure you pay on time is to pay by phone for a ridiculous pay-by-phone service charge. they are the bottom feeders of the mortgage world. this is my mortgage, and i ' the one paying back a quarter of a million dollars and i can not deal with the company i 'm giving my money to. i believe i should have some say in where my mortgage goes and who is handling it. Based on EVERY review i can online says this company is evil. someone should take a look.