davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC (MA)

I have setup an auto draft for one of my student loans ( Perkins Loan being collected by XXXX XXXX ) which was only {$40.00} a month. In addition to that, whenever I could I made additional payments more than the required monthly payments to pay off the loan faster. However, few days ago when a mortgage lender pulled my credit we noticed that I have few late payments on my credit record all from this account. 
I called XXXX XXXX and for days they were not responsive and instead send me back and forth to my school or my bank. After few days someone finally responded to me and said that the auto draft was never setup and therefore I was getting hit for late payments. They claimed that I have been notified but I have been leaving in my current address for 4 years and not once I received a notification from them. 
I explained to them that this is a mistake or misunderstanding. I explained that I have other student loans with even higher monthly payments that I have never been late on ( in fact it is paid a head till 2020 ), I also have multiple bills that I pay monthly and I have never been late on anything ever in my life so why would I be deliberately late on this account. In addition, I offered to fix this by paying off the remaining balance on this loan in full today in exchange to get this inaccurate late payments removed from my account, but they just simply said no with no additional explanation. 

I have maintained a perfect credit score for years so that I can use it when it is finally the time for me to buy a house. Now I am in the process of buying a house but since my credit score is missing only 3 points I might not be able to buy the house or any house for now. I don't like complaining but I am being punished for a system error and XXXX XXXX is not willing to help me in any way so I am asking you to please please help me to fix this problem.
Consumer complaint received 2018-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/XXXX, I had to close my accounts with Capital One Bank. They have inadequate security protocols and someone inside the company kept changing my personal details and had new cards issued. See complaint : XXXX. I tried in vain to resolve the situation with the company, I ask that they credit the account that I had to close due to their negligence in security protocols. They still have my account as restricted with a balance owing of XXXX dollars. They are charging me interest on this balance and service fees.
Consumer complaint received 2018-07-03
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. (MO)

I have tried to fix this problem before to no prevail. I stated that I have absolutely any knowledge of the following accounts. Only to be told by the credit agencies the accounts has been verified, but never given me any physical verification. I'm requesting that these accounts be blocked from my credit report, XXXX XXXX ( XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX, XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX
Consumer complaint received 2018-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 - 30 DAYS LATE I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2018-07-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NY)

Date : XX/XX/2018 Time : approximately XXXX On the above mentioned date and time I had an unauthorized purchase transaction commence. The transaction was only for {$4.00} ( {$3.00} ethereum, {$0.00} coinbase fee ) but it was still unauthorized. I had no reason to believe that my phone had been hacked or compromised and no reason to believe my password was compromised. My phone was literally in my pocket when I got the e-mail congratulating me on my purchase. This scared me because it could have been for a lot more money and also could happen again. 

I immediately called coinbase and I got a phone representative whom seemed extremely unprofessional. I actually double checked the number I called and the e-mail to see if it was a scam e-mail and I felt a bit uncomfortable giving my information over the phone to this person so that they could verify me. However the phone number was legitimate and matched with information from the internet so I went ahead and gave the information, after all i needed to stop any future transactions from occuring before they happened. The representative sounded like he literally just woke up and that it was a burden for him to be on a call with me. 

The rep gave me incorrect information saying I could just sell the ethereum back and get my {$4.00} back. I told him i would prefer to have the account immediately frozen so no future transactions could go through. He did this ( note it took him probably 20 minutes to freeze the account while I was on hold ). 

Coinbase did their investigation and on XX/XX/XXXX, at XXXX I got an e-mail from XXXX ( Coinbase Support ), who concluded that " our records indicate that the transaction in question was initiated from within the Coinbase mobile app. '' Also, that they couldn't process a refund. Also with some questions about if my phone is rooted or jailbroken ( which it is not ). 

I have no reason to believe that my phone has been compromised as I hadn't installed any apps for maybe over a month, and no other accounts on my phone appear to have been compromised. I honestly believe that this was an insider transaction from within coinbase to try and steal {$1.00} in fees. Consumers are not likely to make a big deal about losing {$1.00}, however that's very unethical and illegal and I would like to CFPB to investigate to see if this is a common occurence at coinbase. Maybe they hope that most people won't complain about the small fee and target inactive accounts ( my account had been inactive for months when this happened ).
Consumer complaint received 2018-07-03
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Santander Consumer USA Holdings Inc. (GA)

XXXX XXXX XXXX XXXX ( 3rd party ) Original debt was with Santander for {$14.00}, XXXX and we don't agree with that amt. XXXX XXXX XXXX called on XXXX ( first time hearing from them ) and threatened to send Summons if we did not arrange a settlement, but I do not have a contract with them.
Consumer complaint received 2018-07-03
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

Back in XX/XX/XXXX I  received a bill stating I owed a company called XXXX XXXX XXXX an amount of {$1800.00}. They stated if I dispute the validity of the debt they would obtain verification of the debt or obtain a copy of a judgment and mail a copy to me. I responded to them via certified mail on XX/XX/XXXX stating that my letter was a formal dispute and I was requesting validation and proof of such a document bearing my signature that I owed them a debt. On XX/XX/XXXX they responded back with a letter stating that they worked for doctors around the country and I owed a balance to them for {$1800.00}. They showed a invoice number and a account number but not what was requested of them. On XX/XX/XXXX I noticed this account on my credit report under account number XXXX. On XX/XX/XXXX I sent them another letter certified mail stating that they had not provided me with viable evidence showing that the account is being reported accurately. I advised them the description of the procedure being used to validate this debt is requested. This includes the names, addresses and phone numbers of whom they validated the debt with. This letter was not signed for or picked up by the company so I resent the same letter out on XX/XX/XXXX. On XX/XX/XXXX they responded with the same exact letter they sent back on XX/XX/XXXX, still not providing the requested information. They sent the same exact letter again on XX/XX/XXXX still not providing the requested information. This account is showing " charged off '' on my credit report. Since this company has not provided the requested information to prove that I owe them a debt I want this account removed from my credit report.
Consumer complaint received 2018-07-03
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NY)

I have multiple accounts with SYNCHRONY BANK. 

I am attempting to change the due date/statement date on all of my accounts so that they are all on the same statement cycle date. This makes paying the cards much easier and more convenient. I have tried doing this by contacting customer service and I am transferred to someone in another country that has a strong language barrier which is preventing me from being able to effectively communicate with the bank. 

In addition to the problems above I am continuing to have an issue with my XXXX charge account. I previously issue a complaint because I opened this card and have not been able to use it. I have attempted to contact XXXX numerous times about this and have not found any success in doing do. XXXX continues to hold an authorization charge on my XXXX charge account even though they have banned me from their site and have told me that in no uncertain terms I will never be able to use the card. This was over a month ago and the authorization charge has still not been released. 

I have attached a copy of my photo ID to this complaint for verification purposes.
Consumer complaint received 2017-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

Experian told me that my security questions were incorrect and that they were based on a third party website when I tried to have my fathers name removed from my credit record. I called on XXXX/2017 at approximately XXXX XXXX. I was told that they could not provide a reference number for my request because the answers, including my mothers maiden name were incorrect based on data from a third party website. I asked to speak to a manager. They said that was not possible because of call volume but that they would call back. 

Someone whos caller ID showed as XXXX XXXX XXXX, XXXX called back at approximately XXXX XXXX. I have no accounts with XXXX. I was told that I had an  existing relationship with a membership service with Experian. THe caller still refused to provide a reference number for the request. This request was initiated at XXXX. I was informed throughout the entire process that the calls were being recorded. They should have those records. 

I wish to have the incorrect name removed from my credit record and to have Experian be required to provide reference numbers for transactions when their own website requires you to call them because they can not /will not process them on-line. This is a consumer rights catastrophe if you allow the credit reporting agencies to treat their unwilling targets in this way. With all of the problems that have occurred with XXXX, it is very disconcerting to have one of the alternative credit reporting agencies also fail spectacularly.
Consumer complaint received 2018-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

Made a partial deposit payment with my XXXX XXXX XXXX XXXX Credit Card for kitchen and bathrooms cabinets to XXXX XXXX in XXXX XXXX, California, a company who after months of false promises didnt deliver the cabinets, later closed for business and currently being investigated by the Attorney General for 17 counts of Grand Theft of Personal Property and one count of enhancement of Aggravated White Collar Crime. After notifying the credit card company about the issue, they refuse to give me a refund of the XXXX XXXX dollars I had paid them. Heres a summary of the issue : I ordered kitchen and bathroom cabinets from the above mentioned company on XX/XX/XXXX, to be delivered within 8-10 weeks, paid their required 70 % deposit with the balance to be paid when the cabinets were made and ready for delivery. On XX/XX/XXXX I received an email from the salesperson confirming delivery for XX/XX/XXXX. 

After the delivery date came and went and many unanswered calls from the store requesting status of my order, on XX/XX/XXXX I called again, this time my message was to cancel the order that was approx. 45 days passed the scheduled delivery date. Finally for the first time the owner returns my call saying I couldnt cancel and refused to return my money. The deposit was paid with four different credit cards so I disputed the charges. After reviewing the facts, three of the four credit card companies credited the amounts paid except for the {$7000.00} paid by using XXXX XXXX XXXX XXXX credit card. 

I have been disputing this charge with XXXX XXXX credit card for over a year sending them all the information and documentation they requested, giving them a chance to revisit the case on three separate occasions and they still refuse to credit the funds into my account saying the charge is valid. I understand the charge was valid when processed but after many false promises XXXX XXXX did not upheld their end of the contract intentionally committing fraud by stalling and not delivering any product, closing for business and not honoring the contract and the credit card company still declined my request. 

Ive always known that one of the benefits of using credit cards is for consumer protection but this clearly has not been the case with XXXX XXXX XXXX XXXX Credit Card issued by Chase.
Consumer complaint received 2018-07-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Tower Loan of Mississippi, Inc. (LA)

They call my mother every day for the past 2 weeks and They told her that I'm behind with my payments and that if I don't pay by Friday that they are going to garnish my wages and I will have to pay an extra {$100.00} for the suit
Consumer complaint received 2018-07-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (NY)

ON XX/XX/XXXX OF 2018 THERE IS A CHARGE TO MY ACCOUNT OF {$160.00} FROM XXXX, I DIDNT HAVE ENOGHT MONEY AND PEOPLE UNITED BANK PAID AND CHARGE ME {$37.00} FOR OVER DRAF, FINE THEY PAID I SAID IN MIND, ON XX/XX/XXXX I WHEN AND DEPOSIT {$500.00} AND MY NEW BALANCE WAS XXXX BECUAE THE THE XXXX THEY CHARGE WITH I WAS FINE WITH IT, BUT TODAY XX/XX/XXXX I GET BANK IN TO ONLINE BANKING AND I SEE THEY RETURNED THE XXXX TO MY ACOUNT AND THEY CHARGE ME AGAIN {$37.00}, SO THIS PEOPLE IS CHARGE TWICE FOR THE SAME TRANSACTION, I CALLED THEM AND THEY DIDN'T GIVE A SOLUTION, MY COMPLAIN THEY CHARGING TWICE FOR THE SAME, HOW UNFAIR BASICALLY THEY CHARGING {$74.00} TO MUCH MONEY.
Consumer complaint received 2018-07-03
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: PRESTIGE FINANCIAL SERVICES INC (VA)

I was in an accident that resulted in my vehicle being a total loss on XX/XX/18. I informed prestige financial I could not afford payments because of pending medical claims I had due to injuries from the accident. I informed them once a settlement was received I would take care of remaining balance. On XX/XX/18 a representative from prestige financial called another branch in XXXX XXXX va from XXXX to verify employment and the address. my correct employment information and phone number was listed in their website and has never changed and they were aware of why I have not been able to make payments.
Consumer complaint received 2018-07-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC (CA)

I have applied and got approved for a loan. I did not expect the fees to be that high. They are charging me over {$1500.00} for a {$450.00} dollar loan. Each month they pull out about {$110.00} in fees. 

I have paid off my amount for the {$450.00} and more, to have fees this high has left me more in debt and they take advantage of that. I am being threatened fees if I do not pay. 


They have taken payments out each month for {$110.00} starting since XXXX. They took two payments out monthly. They are considered a sovereign nation and are a tribe doing the loans. I believe they are unlicensed. I am trying to get the fees I have paid back due to outrageous amounts.
Consumer complaint received 2018-07-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (OH)

When I had first received notice in late XXXX from ProCollect, I had sent ProCollect and XXXX  XXXX XXXX proof that I had paid rent, proof that the carpet didn't need to be replaced, proof that the kitchen didn't need to be cleaned. They had also rented the unit out in XXXX, the same month they are trying to collect past due rent from me. In XXXX, XXXX responded back to my complaint, saying I still owe the debt.
Consumer complaint received 2018-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX PH # XXXX My husband XXXX XXXX purchased a property on XX/XX/2010. Two years later my husband XXXX XXXX due to a XXXX XXXX XXXX. When my husband XXXX XXXX I notified the mortgage company of his XXXX, they tols me that as long as i make the mortgage payments i can being that the mortgage was under my husbands name. Because of my husband XXXX went into a financial hardship. My husband was the head of household and he paid all the bills. I fell behind on mortgage payments and XXXX asked me to fill out re modification papers but at that point I did not want to continue to live in XXXX. That is when the property went under foreclosure. The address to this property is XXXX XXXX XXXX XXXX XXXX  XXXX. I have tried to contact the XXXX several times and most of the time I get the run around. I need your help I feel as this is injustice. I was not responsible for this mortgage. This house was sold last year for the amount that was owed, but they still will not communicate with me. I ask for your to please remove this XXXX loan from all the credit bureaus. I have attached documents that prove that I was not responsible for this loan.
Consumer complaint received 2018-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

Old information apperead XX/XX/2018. For 2 years I was paying a debt, and I did not fail and the Bank did NOT report. The debt was settled and they reported it in XXXX but paying in delinquency. The bank did not report for 2 years and requested that it be removed from my Experian credit report.
Consumer complaint received 2018-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: M&T BANK CORPORATION (NY)

I'm writing to please ask for some help to get this fraudulent item remove from my credit report it is causing a lot of heath issues i have XXXX XXXX XXXX i have to get alot more medication because of this fraudulent account on my credit report its the next step i will have to get my attorney to help me out about this issue
Consumer complaint received 2018-07-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (MA)

XX/XX/18 : Certified letter was mailed to collection reporting agency, and delivered on XX/XX/18. 
The letter is a formal dispute of debt and written validation of debt was requested. 

XX/XX/18 : XXXX XXXX, LVNV funding LLC representative confirmed letter was received and filed on XX/XX/18, documentation was requested. 
Represented stated this account didn't have to be flagged as being disputed. 

To date, none of the credit bureaus have been notified of a debt dispute or investigation.
Consumer complaint received 2018-07-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Ameritech Financial (IN)

I signed up with Ameritech Financial to help with loan forgiveness. XX/XX/2017 the first payment of XXXX was drafted from my account. There has been XXXX drafted every month since then. 

I also signed up with student loan services that drafted XXXX every month since that time as well. 

I received a letter from the Federal Trade Commission stating that there was a lawsuit with Ameritech Financial and that I should cancel my account with them. I emailed Ameritech Financial on XX/XX/XXXX regarding the lawsuit and inquiring about cancelling my account. 

I will be calling my financial institution as well to put a hold on the withdrawals from Ameritech Financial as well as XXXX XXXX XXXX.