davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (ID)

I was notified via XXXX XXXX that I owe {$150.00} to XXXX XXXX XXXX for a utility company that is not mine in XX/XX/XXXX. My wife and I contacted XXXX XXXX XXXX and the rep requested I send the package as well as the police report, I attached to this email and was told they would review it for fraud. The collection was removed from my report shorty after so I assumed my file had been reviewed and found in my favor and removed from my credit report. 

When the collection was placed back on my credit report recently in XX/XX/XXXX We called XXXX & XXXX requesting an update. We were told by a rep by the name of XXXX that my file was never reviewed since the rep who it was originally assigned to has left the company. She then said she would review it now and call back at the end of the business day. When she did she said that XXXX XXXX XXXX would not investigate my file for fraud since I did not have a current utility bill. We reminded the rep, as we did in XXXX that I was living at my in laws home at the time and was unable to place utility bills in my name and when I moved to the other address ( Box XXXX XXXX, I was denied utility credit. We asked that they stop reporting this since XXXX & XXXX opened this account without my authorization, signature and no ID to confirm my identity. The rep refused and denied an investigation again. 

We explained to the rep XXXX that the suspect has opened other accounts and that there was another, possibly more victims. XXXX XXXX, who we am in close contact with is another victim to the same suspect, we requested they look into the information but was again denied. 

We called back a few days later and requested any information on this collection be sent to me via mail so that we can file another police report specific to this account and send a copy to the bureaus who are reporting this collection, we gave our current address and am waiting on the information now. 

The police report shows that the suspect in the case is the one who in fact resides in the area XXXX XXXX  XXXX services. We have also filed a report with Identity Theft.gov
Consumer complaint received 2017-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc. (KY)

I had seen my credit report and I see that they are multiple inquiries from XXXX and PayPal that I do not recognize and do n't believe making so I would like them removed.
Consumer complaint received 2017-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (KY)

I had seen my credit report and I see that they are multiple inquiries from Chase and XXXX that I do not recognize and do n't believe making so I would like them removed.
Consumer complaint received 2017-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (OH)

I opened the account in XX/XX/XXXX with a promotion attached to it that stated if you made 2 bill pay  payments that US Bank would give you XXXX. I completed the bill payments the same day the account was opened. The customer service department blind transfers you to the branch when you call for help. The branch says they have to check with the back office and they will call you back. The first time I was called back a week later and told the funds would be there in 1 week. I called again when I did n't have the funds and was told I would be called back and I have not been called back. I feel that I was tricked into opening an account and have not received the funds that I was promised.
Consumer complaint received 2016-10-12
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

A fraudulent credit card account was opened in my name on XX/XX/2016, and I received a letter from Capital One stating they believed the account MAY be fraudulent. Ya think?! Clearly their vetting processes for applications are the worst. I called in immediately to tell them it was in fact a fraudulent account and the man I spoke with confirmed there were no transactions and the account would be flagged as fraud AND CLOSED. Fast forward 2 months later when I decide to pull my credit report to dispute some of the fraudulent inquiries, and the Capital One account was show as Open and Active on my credit report with a credit limit of {$2000.00}! So an account they knew was fraudulent and that I confirmed was fraud, was never actually closed. I called in again today to sort it out and the woman I spoke with was very nice, but I believe in part that was because they knew this was a huge mistake. She confirmed that the account was flagged as possible fraud, that their records showed all my phone calls were noted, and even that the last agent confirmed in his notes that the account would be closed, and it was NOT. She confirmed very honestly that the proper procedures were not followed and it was an error on their part. Fine, but now I have had a fraudulent account open in my name, affecting my credit score for 2+ months when it should have never shown up in the first place! Capital One should be put out of business. MY TIP : If you receive any letters indicating possible fraud, call immediately and ask to speak with fraud supervisor. Also get their name, employee ID and confirmation that a letter stating the closure of the account will be sent to you.
Consumer complaint received 2016-06-08
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CAPITAL ONE FINANCIAL CORPORATION (ND)

We purchased a vehicle in XXXX 2012 through Capital One bank. My husband was XXXX XXXX military at the time and had just left for XXXX. He was not getting correct pay while on XXXX and we got 3 months behind on our auto loan. Capital one said it was ok because he was covered under the SCRA and to pay when we could. We checked his credit to see that Capital one had charged off the auto loan after 3 months. We paid what we could on the loan when we could. My husband retired from the military and we did n't know how to deal with the auto loan showing as a charge off so we called Capital one to find out what to do. They told us if we could sell the vehicle, the remaining balance would be zeroed out and sent to the IRS as debt relief " income '' that would need to be filed with our tax return. We took the vehicle to our local dealership and took a huge loss on the vehicle. Thinking we would just have the balance as " debt relief '' we accepted the deal. Our credit reports are still showing a balance owed of over $ XXXX and none of the credit bureaus are showing as settled. I spoke to more than one Capital One representative who told me the balance would show as zero since we have to claim the remaining balance as income. Now they are telling me that is not how their settlement amount works. We took a huge loss on our vehicle when we just could have gone to our bank to refinance the loan instead. Capital One was dishonest with us before the vehicle was sold and I feel like they told us what we wanted to hear in order to have the account settled so they could write off the remaining balance. We are now going to lose the house we are in because we are temporarily renting until we can get a loan from our bank. Our bank requires a XXXX balance on any charged off accounts before they will do the loan, which is why we trusted Capital one when they told us if we sold the vehicle the balance would show as XXXX because we have to claim the remaining as debt relief income. If we have to claim $ XXXX as debt relief income, how can Capital One still list $ XXXX as balance owed? If the IRS is penalizing us for that balance, and Capital One is writing it off, how is it legal for Capital One to still say we owe it?
Consumer complaint received 2017-10-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I started being contacted by Portfolio Recovery Associates in XX/XX/XXXX, I have disputed these 2 accounts twice and asked for proof of verification on the accounts. I was left voicemails on XXXX telling me if I did not get back in touch with them regarding these accounts I would be sued and I needed a lawyer to speak with them regarding the account. My last dispute was XX/XX/XXXX and they have yet to validate this debt but continue to call and leave voicemails telling me what will happen if I did not pay this debt.
Consumer complaint received 2017-10-18
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

The estimated month and year that this account will be removed is different on my credit reports. The open date of the account is incorrect. The last payment date was after the closed date which is incorrect because no payment was made after the account was closed. And my credit report is showing on time payments after the closed date, which is obviously incorrect. I asked the credit bureaus to remove the inaccurate information, however they have failed to do so.
Consumer complaint received 2016-10-11
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: TD BANK US HOLDING COMPANY (CA)

I received a letter regarding credit card inactivity from Target for a REDcard. I tried to make a purchase on my card in order keep the account from closing, but XXXX different stores did not accept the card. I called Target last week about the not working card and we found out that the card I was using was unable to be used and they had not sent me a new card. The rep I was talking with was aware of the inactivity closure deadline approaching and assured me they would send me a new card quickly enough for me to have enough time to make a purchase and save the account. I received the card on XX/XX/XXXX. When I called in to activate the card, another rep informed me that the account was closed due to inactivity. I do n't have much time to speak on the phone at my job so I decided to call back another time. I called back today ( XX/XX/XXXX ) and asked the rep to transfer me to her supervisor. The customer service rep hung up the call on me. I could see the direction this interaction was about to go so I decided to file formal complaint with CFPB. 

In short, I would like my account reactivated in order to avoid a hit to my credit score. As explained, I would have been able to save the account but the card came too late, which is the company 's fault.
Consumer complaint received 2017-10-18
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

The estimated month and year that this account will be removed is different on my credit reports. The open date of the account is incorrect. The last payment date was after the closed date which is incorrect because no payment was made after the account was closed. And my credit report is showing on time payments after the closed date, which is obviously incorrect. I asked the credit bureaus to remove the inaccurate information, however they have failed to do so.
Consumer complaint received 2017-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I called Bank of America 's assistance line ( XXXX XXXX ) on XX/XX/XXXX after Hurricane Irma pass by Florida to get the disaster assistant help for my credit card payment. On that day one of the representative named XXXX told me that Bank of America was waiving the credit card payments until XX/XX/XXXX as a consideration for the people that were in the FEMA list of areas affected ( the zip code where I live is in the list ). I replayed to him that it was a very good help and that I just needed help for XXXX payment since I was not able to work for 2 weeks, and that from XXXX on I would be able to continue making payments like always. However, as per XXXX if I could make the payment or not, I should no worry until XX/XX/XXXX. On XX/XX/XXXX I saw on my online account that my minimum payment ( {$95.00} ) was passed due and that I had to make a next payment of {$210.00} since I missed my payment. I called again the assistance line to ask about this situation and the lady that helped me told me that what they were waiving was the late fees ( which was not what XXXX told me on XX/XX/XXXX ) ; she told me that there was nothing she could do to help and that I needed to make the minimum payment. She then transferred me to collections department because I told her that I did not have the money to make that payment. XXXX in the collection department told me that what happed was that the information about the help that BOA was providing to their customers changed a couple of days ago, and that they were not waiving the payments anymore but the late fees. I told him that I was not informed about it and that this change should not apply to me since my due date was on the XXXX which is more than a couple of days ago. He stated that he did not know what to tell me and that I was right that he could not do anything to help me but to find a way to make it easy for me to pay ; he offered me different options and at the end I decided that I would pay the XXXX payment in the next 2 months. My payments were set up as 2 payments of {$160.00} ; since I was stressed up and upset I agree to that, but now that I do the sum, making 2 payments of {$160.00} taking away the {$95.00} for the actual moth I would be paying {$74.00} x 2 making it {$140.00} for a payment that was supposed to be {$95.00}, meaning that I am paying {$53.00} additionally for I do n't know what because no late fees should be charged ( according to the new rules for the disaster assistance of BOA ). This formal complaint I make it against Bank of America for providing information and promising a type of help that was not fulfilled but instead it was changed without notifying their customers, and now I am in a unpleasant situation.
Consumer complaint received 2017-09-27
Product: Credit card or prepaid card — Gift card
Issue: Advertising — Confusing or misleading advertising about the card
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo issued me a {$100.00} XXXX gift card about a year ago. Went to use the card recently and there was no balance on the card. I have called Wells Fargo multiple times to resolve this matter to no avail.
Consumer complaint received 2017-10-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

WF changed my payment dates from every paycheck to 2 times a month. This was not supposed to have happened. This caused me XXXX dollars in fees, late charges, insufficient fund charges, deposits on both my phone and electricity bills, and other issues because they took money out on the wrong dates. I am in need of the 30 days late notice taken off of my account. XXXX has seen the information and has taken it off of their website due to the 6 months of mistakes that WF made causing me enormous financial hardships that snowballed into causing me financial harm, and being late making payments. 

Please fix this.
Consumer complaint received 2017-09-27
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc (TX)

on XXXX-17 began sending Ad Astra Recovery Services multiple documents to show proof that I had any debt owed. Even though they did reply with documents, the documents were rejected because they did not show that i made a contract direct with Ad Astra Recovery Services. They are a third party interloper. On XXXX-2017, one day after they confirmed receipt of the estoppel with fees, they replied back trying to collect money and did not pay the {$100.00} dollar fee as listed in the estoppel. When they did that, they violated the estoppel. I replied with a bill in the amount of XXXX due no later then XXXX-2017 in which they have ignored and have not paid. There are also late fee charges of {$1000.00} per day and as of today the total is {$12000.00}. I think they did this on purpose and i consider this abuse. They have failed to pay and still has me listed on the credit bureau. This company is neglecting my common law rights and is flirting with being a abusive company.
Consumer complaint received 2017-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On XXXX XXXX 2016 at XXXX XXXX I paid off a XXXX XXXX residential collection account in full and received an email Notification from the XXXX rep that the account would be updated as paid in full or removed. However they took the full payment and did not up date the account status. I have contacted XXXX XXXX as well as all 3 credit bureaus XXXX, XXXX, XXXX to update my report numerous times and it still has not been updated. XXXX continues to report it as an unpaid bal. please see the attachment/ paid in full letter.
Consumer complaint received 2017-10-18
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (TX)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XXXX XXXX 30 days late as of XXXX XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2017-10-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (CA)

I am age XXXX and have spent XXXX days trying to call and email paypal in reference to the attached charges Please note that paypal is charging me and blaming my bank for " declined direct debit payments '' during a specific time period last summer. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- according to XXXX Bank -- this is 100 % FRAUD and never happened -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - The bank is instructing me to ask for documentation in reference to all the transactions and the reason paypal states that the bank rejected the payment. The bank states they never did anything like that. 

It cant be legal for paypal to charge me and blame the bank with out any further explanation -- -numerous attempts to contact paypal have not had any results. I have been promised email documentation I never received I can not get through to anyone intelligent who will address this.
Consumer complaint received 2017-10-18
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO. (MS)

XX/XX/XXXX I called XXXX to make payments on four private student loans that I co-signed for my daughter. I advised that the payment the service agent quoted was incorrect. After being transferred to three different agents I was advised that the payment was correct and one of the loans had been in deferment and now due. Ask when did the loan come out of deferment they advised XX/XX/XXXX. I  immediately advised that I was not aware and nor had the previous payments made XXXX thru XXXX was I told a different amount was due. I requested that they review the recorded conversations to confirm that I was never advised that the payment had come out of deferment and I paid exactly what the agent quoted. I made repeated attempts to get the notices re-aged but to no avail. XX/XX/XXXX I sent a certified letter requesting the history be examined, the letter was signed for on XX/XX/XXXX and as of today I have not gotten a response. The notices caused my credit score to tank and which subsequently resulted in my equity line being closed and the payment increased, Visa closed along with an increase in my mortgage insurance and credit limit on another card slashed from {$3400.00} to {$250.00}. This has caused a total melt down and I have yet to get a response. Please help
Consumer complaint received 2016-09-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (FL)

I had XXXX for my lender and then everything was sold to Navient. After I consolidated my loans over 1 year ago, Navient was supposed to update my credit report showing the reflected changes, they failed to do so. I called and the rep there told me that I had to send a request letter for them to update the bureaus all XXXX I did send the letter and then I called a few days ago and they said I also had to include a copy of my credit report. I am uncomfortable sending them this information and asked why they can not just report the correct information as it is showing I owe more than I actually do and it is financially hurting me. The rep hung up on me. I also asked if they can remove the XXXX loans as they closed XX/XX/2008 and she said they had no affiliation with XXXX, but when I call the number to XXXX listed on my credit report it goes to Navient. All I am asking is that they do as they are supposed to and update the credit reporting agencys with the correct information.