davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

Recently I applied for one of " Navient, '' the largest student loan provider, with one of their " Income Driven Repayment Plans '' on their website. Yet my Student Loan " Amount '' and the " Interest Rate '' that I was quoted and guaranteed on their " Navient '' website was NOT what they mailed to me to  accept.
Consumer complaint received 2017-11-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (NC)

On X/XX/17 my friend wired {$2000.00} through Western Union to me from XXXX XXXX, XXXX XXXX. I made every attempt to locate the funds at various Western Union locations but they would not tell me where I could pick the funds up, only that they were not at their location. ( My local Western Union had just closed down ). Finally, I called Western Union headquarters and was told the funds were returned to sender. When my friend tried to pick them back up they Claim they have no record of the transaction.
Consumer complaint received 2017-11-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: United Collection Bureau, Inc. (FL)

They claim I owe for merchandise I do n't remember ordering and never received from CA and IN. 
XX/XX/XXXX, company name : XXXX XXXX and XX/XX/XXXX, company name : XXXX XXXX XXXX . 
Original amounts : {$92.00} and {$97.00}, which as ofXX/XX/XXXX, the total comes up to {$270.00}, including other charges, penalties, interest, etc. 
I have repeatedly informed them I never received this merchandise, and they keep on sending mail, and I keep on receiving constant telephone calls. 
I have asked them to provide proof of anything ordered by me with my signature affixed to any purchase order, or something similar, and they have not complied with that request, due to the fact that there is no such paperwork in existence. 


































































4
Consumer complaint received 2017-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (NV)

I recently went to use my debit card to pick up a prescription. ( Last Friday evening ) Although I had sufficient funds in the account, my debit card was being blocked. Luckily, my US Bank debit card was not my only source of funds so I was not left stranded without my prescription. When I called their 800 #, they proceeded to tell me that they had sent a new 'chip card ' back in XXXX, which I never received, and since I did not activate it they 'turned my debit card off '. I asked them to turn it back on since I never received this new card and they made no attempt at all to ascertain whether or not they even sent it to the correct address before they decided to deny me access to my funds. I have banked with US Bank for decades, they have my phone number and never attempted to call or text. They also have my home address and email, which they regularly send me emails so it would n't have been that big of a deal to at least make 'one ' attempt to contact me before denying access to my money. Now they offered to send a new one, but it will take about a week and they refused to overnight the new one. My only option was to go into a branch for a temp card. Now keep in mind it is Friday evening, they are closed and I had to work the next day. I went to the closest branch on Saturday during my lunch break, it was about XXXX, they close at noon! So, I now have been without access to my money for 3 days because of their procedures, and probably wo n't be able to get to a branch until Wednesday. I feel that this policy/practice of theirs is a clear violation of UDAAP. Can you imagine if I had been on a business trip, which I often have to drive from XXXX XXXX to AZ, and I did n't have anything but my debit card? I would be stranded at some gas station in the desert! What if I was an elderly customer on limited income and had to pay for some sort of transportation assistance only to find that the bank was closed? What if I had a serious medical condition and needed that medicine right then but was told no wait until next week. I could totally understand them turning off my card if they had made ANY ATTEMPT to contact me to verify if the card was missing or if I just forgot to activate it, but they did n't.
Consumer complaint received 2017-10-16
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Nudge Funding, LLC (SC)

After doing the paperwork and upon closing on XXXX XXXX for my refinancing of my home, I was led to believe that my payments would decrease. XXXX home loans/Nudge funding -Company I worked with told me all I would need to close is {$45.00} in a check and my payment would then be XXXX, approximately XXXX less than that was currently paying. After I got my first bill I found out on the paperwork that there is an {$12000.00} closing cost that was not explain to me which brought up my original payment {$200.00}. Due to their predatory and sneaky tactics, and not being thorough with exclamation, I now have a higher payment then originally. The company is based in Utah and the attorney that I signed with from a mobile agent is not licensed in the state of South Carolina which I reside.
Consumer complaint received 2017-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

In mid XXXXXXXXX 2017, I filed a written dispute with XXXX, XXXX, and Experian to delete unverified information from my credit report. I requested that they provide an original document with my signature on it from the debt collectors verifying the debt belonged to me. I 've since received notice that my investigation was closed with all account verified, but did n't get any proof from the debt collectors or credit bureaus with the original signed document. My primary concern it that these bureaus have incorrect information on my file, and this is prohibiting me from being able to acquire credit for life necessities.
Consumer complaint received 2017-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

After completion of investigation ( File Number XXXX ), TransUnion failed to provide the Notice required by 15 U.S. Code 1681 ( a ) ( 6 ) ( B ) ( iii ). However, as a consumer, I requested that TransUnion, in accordance with 15 U.S. Code 1681 ( a ) ( 6 ) ( B ) ( iii ), provide a description of the procedure used to determine the accuracy and completeness of the information of the investigation. TransUnion failed to provide the complete requested description, in that, TransUnion failed to provide the business name and address of any furnisher of information contacted and the telephone number of such furnisher. See attachment TransUnion_complaint.PDF ( TransUnion Resolution Summary XXXX/XXXX/XXXX, my letter XXXX XXXX, XXXX, TransUnion reply XXXX/XXXX/XXXX XXXX.
Consumer complaint received 2017-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In mid XXXX XXXX, I filed a written dispute with TransUnion, XXXX, and XXXX to delete unverified information from my credit report. I requested that they provide an original document with my signature on it from the debt collectors verifying the debt belonged to me. I 've since received notice that my investigation was closed with all account verified, but did n't get any proof from the debt collectors or credit bureaus with the original signed document. My primary concern it that these bureaus have incorrect information on my file, and this is prohibiting me from being able to acquire credit for life necessities.
Consumer complaint received 2017-10-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (NJ)

I recently made an XXXX sale of {$65.00} to a buyer with a US shipping address. However, when I checked the associated PayPal transaction, I found that PayPal had charged a non-US fee rate of 4.4 % + {$0.00} instead of the US fee rate of 2.9 % + {$0.00}. The buyer had a verified US address but was allowed to use a non-US PayPal account. This situation is unacceptable because sellers have no way of assessing their net earnings if PayPal 's fee is undetermined at the time of purchase. There was no advance notice of the seller using a non-US account, so I could not have anticipated the non-US fee rate.
Consumer complaint received 2017-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I paid this account completely off with a balance of XXXX in XXXX of XXXX. I set up recurring payments of XXXX XXXX dollar payments with XXXX to complete the balance in full. XXXX then closed my account in XXXX of XXXX but are reporting to the credit bureau that they closed it in XXXX of XXXX which is incorrect Since then. the company continues to charge me with late fees and rolls the balance with more fees. They send the balance to the credit bureau but have not sent me a bill or anything in the mail to support the balance they claim is owed. 
I have mailed XXXX, XXXX, and transunion to investigate this error and remove it from my account. Since the account is listed as 'closed ', XXXX does not respond and they are not updating this account correctly on my reports. 
I need assistance in getting the balance shown as XXXX and the late reporting removed or the complete account removed. 
They are not fcra compliant as they continue to report and refuse to respond to my issue.
Consumer complaint received 2017-10-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

Hello, I am currently unable to withdraw any of my XXXX currency from XXXX. 
One of the requirements for Coinbase to allow withdrawals from it 's site is to 'verify ' your account, by depositing an amount they specify in their FAQ. I completed this deposit 2 months ago, however the website did not 'verify ' my account. 
On XXXX XXXX, I opened a support ticket with Coinbase regarding this ( see attached ). They verified that the deposits had been received ( as can be seen in the attached email ). My last communication with the company was over a month ago ( XXXX XXXX XXXX, with further emails from me being ignored. 
Please could you assist with the validation of my account, in order to allow me to make withdrawals via the Coinbase website. 

Kind Regards, XXXX XXXX
Consumer complaint received 2017-11-14
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: EQUIFAX, INC. (KY)

Sent out dispute letter XX/XX/XXXX.
Account not validated.
Called XX/XX/XXXX and XX/XX/XXXX. 
Customer service was unable to help me.
Consumer complaint received 2017-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (TX)

On XX/XX/XXXX, I got an email from American Express : Title : " Congratulations XXXX! Get Exciting New Benefits When You Upgrade to The Platinum Card '' Subject : " Dear XXXX, We appreciate your loyalty and your existing relationship with us as a Premier Rewards Gold Card from American Express Card Member. To make sure you get the most out of your Card Membership we wanted you to be among the first to hear about the exciting new benefits of The Platinum Card. These benefits are designed to bring you best-in-class service whether you are traveling or at home. 

Explore just a few of the many ways to experience the exceptional travel perks and rich rewards when you upgrade to The Platinum Card. With an abundance of premium benefits and services, the {$550.00} annual fee quickly pays for itself. 

XXXX Membership Rewards ( R ) Points ( 1 ) Earn XXXX  Membership Rewards points after you spend {$5000.00} in purchases on The Platinum Card within the first three months of Card Membership. XXXX points can get you up to {$600.00} toward travel. 

Get new privileges, possibilities and perks you deserve designed for your lifestyle. This offer expires XX/XX/XXXX. Upgrade now or call XXXX and mention POID : XXXX. '' So I chat with an Amex CSR asking about some fees when upgrading. After that, he asked me if he can upgra
de the card to Platinum through chat, I said Yes. There is no place in the email said that I will not get the rewards if I upgraded through CSR chat. Then I fulfill the spending requirement in 2 months.
After that, I checked again with Amex but they said they could not give me the rewards because I upgraded through chat. They escalated the case to marketing department with case number XXXX. A month after that, they came back and still stayed firm that I would n't get the rewards because I upgraded through chat! 

I am very disappointed at how American Express handling this case. There is no place in the email stating that I should not apply through CSR chat. That is a very deceptive marketing tactic from Amex. Also, As Amex Platinum is a prestige card with annual fee of {$550.00}, Amex should treat their customer a lot better than that.
Consumer complaint received 2017-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (AK)

I checked my account balance for my XXXX Dividend card in XX/XX/XXXX to see I had a balance of {$41.00}. I had previously tried to withdraw this amount one year prior ( in XX/XX/XXXX ) but was told I could not withdraw until the balance was {$50.00}. I just recently returned form a trip abroad where I did not use this card due to foreign transaction fees. Then, this month, on XX/XX/XXXX, I logged on to my account again to find my dividend balance had dropped to {$0.00}. I called customer service immediately as to inquire about the reason. After a lot of time waiting on hold, the man I spoke to finally told me that, because I had not made a qualifying purchase in a year, the dividend dollars had expired, despite him originally telling me dividend dollars never expire. When i signed up for the card, it was advertised that the dividend never expire and nowhere in any fine print does it mention that they are subject to expiration after a year of non-use. At the very least, Citi should send notifications informing card holders of upcoming expirations. The man at customer service told me there was nothing he could do and the money I had accrued was just gone. I feel deceived and cheated by Citi Cards and want the money I am owed for business I gave them for years.
Consumer complaint received 2017-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX doubled the balance of my loans on my Transunion CRA. A lot of the loans are duplicated. Please fix this as it is showing an inaccurate statement of debt.
Consumer complaint received 2017-10-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I contacted Kohl 's regarding a past credit card account that has been negatively reported to XXXX and other credit bureaus. The amount of the debt is incorrect. When speaking with the company, they ask for verification information such as address, social security number, phone number, etc. They did not inform me they are a debt collector and that this is an attempt to collect a debt. They proceed to tell me that I owe a balance and I can pay a balance. When I informed them that the balance they 're mentioning is incorrect, they tell me that there is no way to dispute the balance. I ask for proof and verification of the balance according to their records and they told me they have no way of providing me with proof. This has happened on three separate occasions. 

Finally, today, XXXX XXXX, 2017, I contacted them yet again to get clarification on the balance. They inform me of the collection agency that is collecting on their behalf. I reach out to the agency regarding the debt and they tell me that they have a restriction placed from Kohl 's ( Capital One ) not to contact me at all. They tell me they also have no way of verifying the debt and ca n't provide me proof of the charges or a breakdown. They offer a settlement and I inform them I am disputing the validity of the debt and my right as a consumer has been violated. They tell me I can email, fax or mail out a letter to them and they will get it back to Kohl 's. They say that normally this is an attempt to collect a debt, but as of right now it is not.
Consumer complaint received 2017-11-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX, XXXX I look on scoresense to check for accuracy of my report. I notice I had a couple of inquiries I had no idea of nor authorized request. I call Trans Union customer service ( I know this is going to be a run around ) and the representative would not help take care of the negative inquiries reporting to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-10-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

This is my second complaint, since the first was closed due to the company responding. The representative at Bank of America miscommunicatrd with me the outcome of the investigation of my missing loan payments. XXXX XXXX from the regulatory compliance department informed me that she would be sending me back all my documents that was submitted for payment to bank of America for my paid in full loan payment, stating that I do not have a loan with bank of America and I should be sending the payment to XXXX, the servicer. I was expecting to receive all my documents when XXXX XXXX sent these documents back via XXXX. Immediately upon review on XXXX, I called XXXX XXXX informing her that documents are missing and i demand a call back immediately. It 's been 4 days and I have not called back again because XXXX called me back to back when she thought this investigation was coming to an end and she was helping me but now there is a problem again, I have n't received a return call. The value of this instrument is XXXX and I want to be credited for this payment immediately, I have followed all administrative procedures in contacting them and informing them of my intention to sue if I do not receive proper credit for this loan. Now she told me I do n't have a loan with them, although XXXX uses bank of America for payment processing, but yet they never sent my original payment back, that i not only walked intp a local branch to submit, but had to pay a {$XXXX} processing fee for it to be sent to the processing department because im not a bank of America XXXX XXXX next step will be to sue with the bankers at my local branch being named as defendants along with XXXX XXXX XXXX XXXX. I refuse to believe this document has been lost. It was accepted on XXXX XXXX and received my processing on XXXX XXXX. I still have not received any acknowledgement that my account has been paid In full.
Consumer complaint received 2017-10-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (VA)

I received a letter from a company called Jefferson Capital Systems , LLC that I believe to be fraudulent. The letter claims to collect a debt in the amount of {$1700.00} for a XXXX XXXX XXXX Account. It offers to let me save money by paying three equal payments of {$110.00}, and they will absorb the rest of the debt. 

I did have a Home Mortgage through XXXX XXXX that ended in XXXX ; I checked my account and there is no balance or debt. 

Suspect issues on this letter ( including the option to make three equal payment that do no equal the debt ) include 3 different addresses listed on the letter. Jefferson Capital Systems , LLC is listed at XXXX XXXX XXXX, XXXX XXXX, MN XXXX ( XXXX ). On the payment stub, a " return '' address is listed as XXXX XXXX XXXX, XXXX, NC XXXX with a mailing address ( " to '' ) as XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IL XXXX. Their website offers no additional information : http : //www.jeffersoncapitalsystemsllc.com
Consumer complaint received 2017-10-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (MO)

The bank reorders transactions in order to increase overdraft fees. High charges on account were not shown to be pending, and later these charges were suddenly posted when the account 's fund was at its lowest, triggering back to back {$35.00} overdraft fees on charges as low as 4 dollars.
Consumer complaint received 2017-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MD)

On XX/XX/XXXX, I finally got an email with a link to sign up for a free 1 year of credit monitoring ( XXXX XXXX XXXX  XXXX ). Unfortunately, I am unable to login to my account. My password is not valid. I could not reset. I wanted to freeze my credit report with Equifax. But access to website, and toll-free calls to Equifax have not been helpful. They indicate company is overwhelmed with many requests to do anything to freeze, signup for their TrustedID service, reset passwords, or even request a free credit report. Each day I try to call or go on the internet to contact them is fruitless.