davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

The state of Missouri by mistake filed a tax lien against me in XXXX Co Mo. I contacted the state and they sent a letter of expungement to XXXX co who took it off their records. I have contacted trans union at least 6 times and filed disputes. They just drop them for no reason and leave the info on credit report which makes it impossible to get a real estate loan. I '' ve given them all the infor and sent them a copy of the letter of expungemnt but they just wo n't get my credit report fixed
Consumer complaint received 2016-07-21
Product: Prepaid card — Mobile wallet
Issue: Managing, opening, or closing account — 
Company: Google Compare Credit Cards Inc. (NY)

I have purchased Google Playstore Gift cards worth {$2000.00} from XXXX XXXX in XXXX XXXX with an intention of buying Google Devices from the Playstore website. 
I called the Google Playstore Customer service and they informed us that I can not use Google Playstore credit to buy hardware. However, it was in the same call, the rep informed me that she could redeem all the cards on behalf of us and they would try to request for a refund or keep the funds in our account. I told the customer service rep that we would give the card details only if she can assure a refund and the rep was very optimistic and made us believe that she can get the refund for us. If I were informed of any possible problem, I could have avoided disclosing the gift card details and we could have kept all the cards with our self. 

So, right after we gave the gift card information, they have limited my access to our account " XXXXXXXXXXXX '' and all these days, I have been communicating with them and doing frequent follow-ups about the status of the gift cards. Every time I call the Playstore customer service, they would point me to the Google wallet team who blocked my account. So my calls get transferred to the Google Wallet and they would come back asking me to upload verification documents and someone would follow-up with me. 

Since XXXX XXXX, I have uploaded the requested verification documents numerous times and have called them more than 50 times and every time I call in, my call gets transferred to numerous departments talking more than an hour with no outcome. More than 50 emails were exchanged between me and Google Playstore, Google Wallet and Google Commerce requesting for reinstating my account so that the Google Playstore could refund my money. 


For over 15 months until XXXX XXXX, all I was being told is my Google Wallet account has been closed and Google Playstore being linked internally to Google Wallet, I can not use my Google Playstore funds. I do n't really care for the Google wallet and all I requested was to refund my money. 

I am tired of contacting them again and again and I have wasted so much of my time in my life. The last time I have contacted them XXXX/XXXX/XXXX and since then I completely stopped contacting them as I became very busy with my school work. At my work place I was advised to contact CFPB and then try to reach small claims. 

Today I am contacting CFPB to hope I would get some reprieve in getting my blocked funds back. 

I would appreciate all your help in this regard. 

Thanks, XXXX
Consumer complaint received 2016-04-11
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: National Collection Systems, Inc. (CO)

The company National Credit Management ( Rep. XXXX XXXX ) has contacted my place of employment multiple times when being told by my employer that I can not take phone calls unless important, as well as been told by myself to not contact me at work.
Consumer complaint received 2017-01-23
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (VT)

I fell behind on my federal student loan as a co-signer. The servicer of the loan is Navient. All they offered me was forbearance. That was it. No income-based repayment. All of this transaction was recorded by Navient. I agreed to forbearance thinking that was my only option. What should I do to rectify this situation? Thank you.
Consumer complaint received 2016-07-21
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (VA)

XXXX XXXX XXXX/XXXX/15 I have disputed this illegal inquiry on my credit report more than a dozen times with Experian. Each time, Experian violates the FCRA and fails to investigate and correct my file. This HARD INQUIRY was not authorized by me, was made without my knowledge or permission, and was NOT FOR A PERMISSIBLE PURPOSE under the FCRA. The Statute requires Experian to delete this hard inquiry in the event it can not substantiate a permissible purpose, of which none exists. 

Yet Experian continue to violate the FCRA overtly, This is wrong, and I formally demand a further reinvestigation into their illegal practices. I can not prove a negative. The burden does not lie upon me. The FCRA was clearly written to protect consumers. How do I prove permission never existed? I can not prove a negative. And yet Experian continues to illegally report this hard inquiry. Under the FCRA, I am entitles to statutory damages of {$1000.00} PER INCIDENT in which Experian does not follow the law. 

Do I really have to sue? Or will the Bureau enforce the law and actually protect consumers? 

This hard inquiry MUST BE DELETED as it was not for a permissible purpose, and not authorized by me. 

I expect the law to be followed and this hard inquiry to be immediately deleted. 

Thank you, XXXX XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2017-01-21
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Bank of America did not properly and thoroughly investigate a complaint, I returned an item to the merchant by US mail and provided Bank of America did not investigate in a timely manner and USPS does not provide tracking for more than six months online. Bank of America did not explain that they could not locate the number instead told me they needed a tracking number. How am I supposed to know the tracking number expired?
Consumer complaint received 2017-01-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (CA)

I am an employee that was affected by the 2015 OPM background investigation breach. I have tried to sign up for credit monitoring services provided by the Government through an agency called XXXX. When I tried to sign up for my account, I was advised by the customer representative that creditor Experian has incorrect information about me in my credit report and that my account can not be opened until this error is fixed. It was not clear to me exactly what this error is, but the customer representative for XXXX mentioned something about my Social Security Number being too similiar to another individual 's. 

I have tried to obtain my free credit report through the official website and also tried calling Experian customer service to resolve this, but they are always telling me to mail them at their address with money enclosed to pay for my credit report. Since I am not responsible for this error, I do not believe I should pay any money to get this resolved.
Consumer complaint received 2017-01-23
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ERC (FL)

ERC ACCOUNT NUMBERs : XXXX XX/XX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ERC or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ERC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2016-11-15
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (FL)

Venmo is a money transfer application that withdraws money from one bank account and deposits it in another. There is a social media element to it, as people can publicly post what the money is for. After the XXXX embargo was lifted, my boyfriend, sister and I thought it would be great to surprise my father with plane tickets for his birthday. I transferred my boyfriend {$400.00} to cover the tickets for my family members, referencing XXXX in in the post as to what the money was for. I received an email that my transfer was being reviewed per OFAC regulations - apparently the reference to XXXX brought up an issue for National Security. 
I replied to the email, stating that we had since decided, for completely unrelated reasons, to change the trip from XXXX to XXXX ( The XXXX tickets that were on sale, which we initially were going to purchase, would have put us on XXXX for less than 24 hours. We chose to visit a city in the US where we could have a FULL weekend instead- XXXX , GA ). However, Venmo representatives continually stated that they needed my OFAC license or a detailed itinerary before they could refund the money. I can provide neither of these things, because Im not GOING to XXXX anymore. Its been 6 days and they still have not transferred or refunded the money. It has been taken from my bank account, and is being held in limbo out of my control. Attempting to explain this situation, I have called the customer support center, but apparently the 'compliance ' department that reviews money transfers like mine is unavailable by phone. They can only be reached by email. I am frustrated that the emails request the same, non-existent documents over and over again and I have no other way to speak to the compliance department. The money has basically been stolen for an overly extended period of time, with no refund date in sight. I filed a customer service complaint with the XXXX, and tried calling one more time to see what could be done, but to no avail. It is for this reason that I am hoping the CFPB can help me. Please look at the methods and services being implemented by this company ensure that they review threats timely. This is not a National Security team ; its a group of venmo employees playing recklessly with funds that are n't theirs, and it should not be allowed to take place this way with no first hand information or contact available.
Consumer complaint received 2016-05-11
Product: Credit card — 
Issue: Other fee — 
Company: WELLS FARGO & COMPANY (NJ)

i hate doing this. it makes the bank mad and at a tough time for me it takes time. i have emailed XXXX at least twenty times about this issue they seem to have the money to pay people to just secripting me to death. you will have this resolved blah blah spending more money to pay peoiple to send it then to refund me the dollar i ask for in interest DESPUTE its valid and its been returned before. please dont come back with that answer. i have heard it before i have millions of medical debt for my son and a ; lease on a home i own that was defaulted i dont need problems over a dollar. Red tape and bureacracy really impersonalizes the banking industry. I have had to suspend my use of the card. please refund without a script. XXXX forgives my balance. i am a GOOD customer i want loyalty and am tired of scripts. you have spent more sending me scripts in the last 30 days then it would cost to refund me. PLEASE dont send credit card agreement not asking dont need. just need my dollar back please. this whole thing is demoralizing and time consuming.
Consumer complaint received 2017-01-21
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: U.S. BANCORP (CA)

I have a credit card debt with U.S.Bank for amount of {$5000.00} XX/XX/XXXX I have made partial payments then lost my source of employment and income could n't make the payment. So it was charged off according to my credit monitoring company. Then in XX/XX/XXXX got a call from someone claiming they are attempting to collect and ask for my social to verify that it 's me their speaking with and I refused cause I thought its a scam. Then I received a mail from a collection agency/law firm XXXX XXXX XXXX DBA XXXX XXXX XXXX with a court document '' Declaration RE : Accrued Interest dated XX/XX/XXXX and a document Memorandum Of Cost After Judgement, Acknowledgement of Credit, And Declaration of Accrued Interest. The accrued interest on the document dated XX/XX/XXXX is for {$3500.00}. And this is the only document I 've seen at this point until XX/XX/XXXX when my wife received an alert from our bank and all of our saving money is gone. The amount levied was total of {$16000.00} After talking to our bank that they explained to her that there was a legal levy document on our account and I had ask for a copy of the document which they provided. So I contacted and was advise from a law firm first and go to the court house in XXXX California to get copy of Proof of Summon and I ask for all the documents in the file. I realized I was summon back XX/XX/XXXX and I did n't even know about it. And I believe that the statue of limitation should apply here but I 'm still being sued and judgement made without any documentation on file showing if this collection company actually owns the right to this debt and no mention of the original creditor selling the debt to the collection agency on what date nor when it was defaulted by U.S. bank. I believe statue of limitation was voilated. And the funds they have taken was borrowed by my wife against her pension plan to help cover mortgage and she is still paying that back through her work deductions. I 'm not claiming that I did n't owe the bank the money but the way I was notified was not right. They claim attempting to call me but wasn, t successful but in fact the only call I received was XX/XX/XXXX-XX/XX/XXXX by a person claiming to collect and wanted me to give my social secruity number over the phone which I did n't and dismissed it as a scam. It 's all the money we have to keep us in our home and after spending a year and half with the loan modification approved with XXXX XXXX. Then to be taken by a law suit from a third party collection agency that may have also claimed more interest than neccessary. Please help?
Consumer complaint received 2017-03-21
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HSBC NORTH AMERICA HOLDINGS INC. (OR)

I worked as a XXXX until XX/XX/2006 I was forced to take an early retirement because I got XXXX which XXXX. I was sent to University XXXX. So, I am able to XXXX, I have been plagued with complications since XX/XX/2006. XXXX. 
This is just on going with this XXXX. I am not a XXXX either. XXXX is undifferentiated XXXX is awful. 
I was a single mother of XXXX kids in my early XXXX when this hit me. I am still on XXXX I do not even drive and have n't since XX/XX/2006. 
I was n't able to pay off this credit card HSBC Bank, Nevada, NA I sent them a letter with XXXX and explained that I could not repay the debt. 
I lost everything financially, but because I work so my XXXX kicked in to cover my insurance and living expenses. But, because I always worked I am not eligible for state or federal aid just HUD. 
Its been 10 yrs but this guys called me and has started sending me collection letters and phone calls. 
I do n't have anymore money then I had then I have to pay for my own meds, co-pays, XXXX pays most, but I have a gap policy to pay, its a spend down on my XXXX XXXX it is all I live on. 
My kids moved me here from XXXX area to XXXX so I can be close to my grandkids. 
I do n't believe that if they got a Judgement I was in a XXXX and never got served. You had to be in a XXXX for months with every XXXX this has been on going for 10 yrs. I have a XXXX now and donated my XXXX for military. My XXXX is ok. I have had XXXX in hospital for 10 days on XXXX for weeks 24/7 going into my XXXX me 6 weeks each time. I just live with these troubles. 
I am not on XXXX because I have XXXX or XXXX, I am XXXX. 
I ca n't imagine how these people sleep at night. But, there should be laws to stop them after 7 years or 10 yrs. 
Please help me I am prepared to show evidence of my condition. 
I always paid my bills before this so I understand, but they should have just written it off. 
Please help me I sold my car years ago to pay off the debts I could I do n't even own a car or drive. 
Please help me stop this, really there should be better laws they know I am on XXXX XXXX is n't there laws to help me?
Consumer complaint received 2017-01-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (OH)

I have been paying on my navient student loan since 2010 and through the years I have noticed they have quite deceptive practices. Despite every payment being made on time and a lot of extra payments, the interest rate continues to go up. They do not allow a payer to set up recurring payments that are over the due amount so I have had to go in monthly and submit an additional payment in addition to the recurring payment ( of the minimum due ). Upon making extra payments in order to pay the loan off quicker, navient in return reduces the amount they take from my account the following month as if they are purposefully attempting to lengthen the time the loan is paid back and thus getting additional interest. The interest rate has also increased steadily over time. This is very unfair practices to borrowers and they are clearly attempting every effirt to maximize their interest income and to keep borrowers stuck in a student loan as long as possible. Despite 100 % payments made on time, being paid $ XXXX of dollars a head of schedule, and a credit score greater than XXXX, my interest rate is now nearly 10 %, which I find very unacceptable for a student loan. These practices really need to be looked into.
Consumer complaint received 2017-01-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NJ)

Lawsuits : 1. Federal Trade Commission Vs XXXX Status : settled for XXXX ( XX/XX/XXXX ) 2.Consumer financial protection Bureau vs Navient Status : Pending I am XXXX XXXX XXXX Veteran who went to XXXX University from XX/XX/XXXX-XX/XX/XXXX Racked up XXXX student loans which eventually end up with Navient. I also have about XXXX private student loans with XXXX XXXX while going to XXXX XXXX sold me a dream, I got a college degree in XXXX XXXX and I am now XXXX. It has been a nightmare to find decent paying job with my worhtless degree. FTC vs XXXX Stated that allegely XXXX misled prospective students with ads and touted high employment rated and income levels upon graduation. XXXX ended settling in with FTC for XXXX. 

Navient is now being suit by Consumer Financial Protection Bureau along with US Attorney General office, XXXX Attorney general and XXXX Attorney general for unlawful practices such as misallocated payments, steered people into costly plan and supply wrong information. 

These XXXX loans payments, XXXX with Navient and another XXXX with XXXX racked up very high interest plus my other unsecured debt which forced me into Bankruptcy XX/XX/XXXX. 

I learned the US attoney general filed a lawsuit agains Navient along with other Attoney general from other states individually. I would US Attorney General to come on board strongly to protect the interest of XXXX residents affected by Navient reckeless behavior and joint other states AG and file a lawsuit against Navient. 

I would like some relief or perhaps forgiveness on my student loans since I got stuck with a worthless degree and very high student loan debt. 

See Links XXXX CFPB Lawsuit
Consumer complaint received 2017-01-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CA)

I have XXXX student loans through Navient. I was on a income based repayment plan, then my payments more than doubled and its still not covering all of the interest. I went from paying {$130.00} to {$340.00} in a month, it happened automatically, and I 'm still not able to get my principal balance down.
Consumer complaint received 2016-07-20
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: AMERICAN EXPRESS COMPANY (NV)

On XXXX XXXX 2016 Bluebird By American Express locked my DEBIT card out due to a credit added to my account, they said that was against their policy which I figured was not due to you can transfer money from XXXX account to another you can have direct deposit from an employer. I am a XXXX and I had a client which I replaced a part on his truck he bought the part cash and he gave me the old part to turn in for a credit which was how he paid me for the labor, I went to the vendor that he bought it from and they issued me a credit seems I did not have an account with them they needed to put it on a bank card or credit card, at the time the only card I had was my BLUEBIRD by American Express card which I felt was ok to do. Now Bluebird has been saying this is under review for the past month the last time I talked to them was XXXX XXXX 2016 they stated they reviewed it and they would be sending the funds back to the merchant, I called the merchant to tell them to be on the lookout for the funds to be returned and they have seen nothing, now the BLUEBIRD people stated give them 5-7 business days. So as I am writing this this have me on hold been15 minutes. But the transaction was done on XXXX XXXX 2016 and they locked my card out on the XXXX of XXXX, I have called them at least 15 times, they wanted a letter sent to some address in Utah which I paid {$18.00} to get XXXX here next day, there was a receipt from vendor so I sent them.