davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-20
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I received my bill on XX/XX/XXXX. I went to pay it the same day and I noticed the due date was XX/XX/XXXX.  The postmark on the envelope is XX/XX/XXXX and is labeled with " XXXX. '' I called customer service and explained the problem to XXXX who said she would remove the late fee, it was their error. She also stated within a week I would receive a letter at my home stating that it was their error, that the late fee was removed and they had contacted the 3 credit bureaus rectifying the slow pay. The bill was for {$70.00} that was due on the XX/XX/XXXX. I was told that in total I owed {$280.00} but the difference would be on the next bill. I paid the entire amount of the bill through XXXX on XX/XX/XXXX and it said it would be delivered on XX/XX/XXXX. 

I called Kohls again on XX/XX/XXXX at XXXX because I had not received the letter, nor heard anything from them. This time I spoke with XXXX. He stated that the late fee had not been removed, hence it would have been reported to the credit agencies. He stated that he " can reverse '' the late fee so it would not affect my credit rating ( which is over XXXX ), and that would " reset the credit bureaus. '' He again assured me that this was done while we were on the phone. 

I called back at XXXX XXXX on XX/XX/XXXX and asked to speak to the manager of collection debt. They told me the manager was unavailable, that I could speak with a supervisor. I refused this as I had already spoken with supervisors. I told XXXX that if I did not hear from the collections manager that I would be contacting CFPB. She stated all she could do was send a message. I have not heard from them as of yet.
Consumer complaint received 2017-12-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (DC)

I have received, today ( XXXX XXXX 2017 ), 15 calls from XXXX since XXXX this morning to my personal mobile number. ( Just from this number.. other numbers have also tried to contact me. ) That was today. This same number has contacted me countless times within the last few weeks, which I 've tracked, since I missed a payment last month ( XXXX ). I refuse to answer the phone, due to the fact I have other outstanding defaulted loans with other lenders and am never sure if I answer the phone to an unknown number if I reengage my statute of limitations for harassment calls. I knew this particular harassment was due to missing a payment, and had planned to rectify the issue with my XXXX payment. The fact these calls continue to increase, to this extreme is harassment. It is disruptive. These calls continue to reach me during the workday. This evening, at a holiday office gathering, my phone was not on silent, and not near my person. The phone went off NINE times in 50 minutes. Colleagues thought there was an emergency. This is not an emergency. 

When I answered the phone, finally, at XXXX, I immediately charged the caller with harassment. The caller/collection agent, simply hung up on me. She was unkind, and dismissive to my claims she was harassing me. 

I understand I am behind. But I did not realize I needed to be harassed this way just to pay a {$60.00} past-due balance less than 30-days past-due.
Consumer complaint received 2017-12-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (SC)

You can pick your method of payment allocation, but they rarely follow your instructions. You have to call and call and call to get your credit card payments allocated correctly. On their 0 % promotions, they do everything they can to retain a balance so they can charge you 26.99 % interest. They have almost stressed us totally out. We are cutting up our card and taking our business elsewhere. They are not truthful with their credit card business.
Consumer complaint received 2017-12-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Counsel, Inc. (SC)

I recieved a letter in the mail from Credit Counsel Inc. debt collector. When i asked for verification they sent a form which also had my diagnosis on it as well which I know is a HIPPA violation and they were not suppose to have that information. The information was sent to the from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX sc.
Consumer complaint received 2017-12-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC (GA)

This incident happened on the XXXX XXXX XXXX XXXX XXXX. cryptocurrency exchange. On XXXX XXXX 2017 at XXXX XXXX I Completed limit buy order for XXXX ETH @ {$440.00} for a total of {$330.00}. I then attempted to withdraw XXXX ETH from the exchange and then the website timed out. It then threw my funds back into an open order with no option to cancel. Now I can not access my ETH funds. Their support is giving automated responses and is not listening to my problems.
Consumer complaint received 2017-12-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ALLY FINANCIAL INC. (MN)

I switched to Ally Bank in XXXX. I had some cash I wanted to deposit so I deposited them to my wife 's account ( at XXXX XXXX ) and had her write me the check for the said amount. Then the problems began : 1 ) I tried to deposit the check for {$1700.00} with Ally XXXX app. 
2 ) The app malfunctioned and deposited it twice. 
3 ) I immediately called the Ally customer support and asked to ignore/cancel the second transaction - they assured me they will. 
4 ) Both transactions still go through onXX/XX/XXXXand put my wife 's account in overdraft. 
5 ) I call Ally again and ask to reverse the second transaction. They say " no problems, money will be back in 2-3 days ''. 
6 ) Ally withdraws {$1700.00} from my Ally account on XX/XX/XXXX 
7 ) A week passes ; the money never reaches my wife 's account. 
8 ) I call Ally every 2 days. Customer support assures me they are on their way. 
9 ) After 10 days of arguing they tell me that the ONLY way for my wife to get the money back is to open a " paid case through XXXX '' via her bank. They absolutely refuse to return the {$1700.00} to either mine or hers accounts in any way. 
10 ) The branch manager at my wife 's XXXX XXXX tells us that he has never heard of the " paid case '' and can escalate it to the fraud and investigations department at XXXX XXXX  on the XX/XX/XXXX. We have had no updates since then. 

Summary : Ally keeps my {$1700.00} without any reason and refuses to return them. They literally told me : " If you want your money back from us, you will have to open a case against us. '' We are both graduate students and my wife is not working. My monthly wage is about {$1800.00} and Ally bank has taken my monthly wage without any explanation, warning and refuses to return them. If not for my savings and help from parents we may have ended up homeless.
Consumer complaint received 2017-12-20
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

Upon review of my credit report I noticed XXXX XXXX XXXX XXXX reporting an alleged debt. I searched the Texas Secretary of State 's website to verify they are bonded and legally able to collect a debt in Texas, for which they are not. I conducted my search by name and address ; the address search yielded the registered and bonded company name of XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX was not listed as a registered dba as required by the secretary of state.  I sent a letter to XXXX  requesting they remove their reporting and cease their attempts of collecting this alleged debt, for they are operating against the Texas Finance Code for not meeting the bond requirements, and for misrepresenting their company and trying to collect monies under another name other then the true business name. XXXX did not honor my request, yet responded by sending a statement.
Consumer complaint received 2017-12-20
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. (MD)

I have on several occasions requested that the credit agency remove the Bankruptcy listing on my credit file and they have not complied, The filing is not verifiable through the bankruptcy court that they are listing as were they did the verification. I have two letters from the U. S Bankruptcy court in XXXX Md. that states that they do not supply any information with the credit reporting agencies which means that they are not telling the truth about verifying this account, The FCRA says that if they are not able to verify an account then it must be removed and they refuse to do so. I am writing to you to have you do what your company was established for which is to protect the consumer against the big corporations and act as the legal representation, I have attached the copies of the letters from the bankruptcy court and the credit bureau will refuse to investigate this account even with you requesting verification. They will say that this has been investigated and verified as accurate and request more information to start another investigation so I am asking that they verify the DISCHARGE date of the Bankruptcy which it does n't have one so once again they will not be able to verify the account and by law have to remove it. Please do n't let them get away with bullying the consumers based on there not wanting to actually verify this information by calling the courts and providing me with the name and phone number and verification procedures as required per FCRA 611 ( a ) ( 1 ) ( a ) ( c ) / ( 5 ) ( A ) ( i ) / ( 6 ) ( A ) ( B ) ( i ) ( ii ) ( iii ) / ( 7 ). I am hoping that your agency does what they were created to do  and have this account removed from my file immediately. The above referenced FCRA subsections explain the procedures for verification of an account and how they are required to provide the name and phone number of the person they verified this account with.
Consumer complaint received 2017-12-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC (GA)

I purchased my home XX/XX/XXXX from XXXX XXXX XXXX, and its been conveyed over to various companies. The current company XXXX XXXX is using a fraudulent assignment to claim standing to be able to foreclosure on my property. 
Planet home refused the restructure my loan to a fair market value. I completed dispute the amount XXXX XXXX XXXX is stating I owe.I revoke the POWER OF ATTORNEY XXXX XXXX is using to foreclosure on my property in XXXX Co Real Estate Division of Superior Court XX/XX/XXXX BOOK XXXX Page 64. I do not give XXXX XXXX Power of Atty to foreclose on my house. I gave XXXX XXXX XXXX rights in XX/XX/XXXX and the are no longer doing business in Georgia. I did n't authorize the transfer of the Power of Atty. I Dispute the debt Planet Home is claiming I owe to them I have no contract with XXXX XXXX
Consumer complaint received 2017-12-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

IQ DATA INTERNATIONAL are threatening me and trying to collect a debt that i do not owe.Upon checking with the Texas secretary of state they are not even bonded to collect here. I sent in a letter of validation and they have not sent me back what i requested.
Consumer complaint received 2017-12-20
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. (NY)

I had ordered items from a dog pet boutique however I never received any of the merchandise, XXXX had confirmed it was delivered to the wrong address and had issued the merchant a credit for the lost items, however after pleading with the merchant to refund me I was denied .So I immediately contacted my credit card to dispute the charges and was given a temporary credit on my account however the merchant challenged the dispute and sent documentation to my bank the the items were delivered when they were delivered to the wrong address and my bank is refusing to refund me even though I printed out the confirmation from XXXX which shows they issued the merchant a claim for the lost package and refuses to work with me in getting my money back
Consumer complaint received 2017-12-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (TX)

I sent XXXX BITCOIN from my XXXX XXXX XXXX XXXX XXXX on XX/X/2017 at XXXX XXXX central time. I received notification from Coinbase via email that I received XXXX BITCOIN and that it should be available after 6 network confirmations. 

I have yet to receive my BITCOIN since I was notified on XX/X/2017 that my currency would be placed in my virtual wallet. According to XXXX, there is currently over 3218 confirmations on the block chain, which far exceeds the required 6 to confirm the transaction with Coinbase/XXXX. 

Please review this link : XXXX XXXX  XXXX I have sent approximately 20 emails to XXXX support and 20 emails to Coinbase support, one per day per each support service. I 've also made approximately 5 phone calls to live phone support at Coinbase and at XXXX. The most that anyone has been able to tell me is that my support ticket will be escalated to a specialized agent. An agent has not gotten back to me to resolve my problem. 

Enclosed are screen shots of my PENDING transaction. It is clear that I have gone through the requisite number of confirmations for the transaction to post in my XXXX/Coinbase account.
Consumer complaint received 2017-12-20
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: Social Finance, Inc. (MI)

I applied for a Student Loan refinance from SoFi at the end of XXXX. While going through their application process they seemed to have issues getting me the correct forms needed for my HR department to release my income. My HR department verified the employment, but not the income. Once I got the correct release forms from SoFi, on the XXXX of XXXX, I filled out the required information and sent it to SoFi with my HR departments fax number. SoFi faxed the form to my HR department who then filled out the required information and faxed it to SoFi on the XXXX. I did not hear anything from them until today, the XXXX, when I was informed that my application was declined. When I called them to find out why, I was told it was because they could not verify my employment. I was told I could re-apply and they would use the same " Hard Credit Pull ''. Instead of contacting me again like they had been, they went ahead and did a hard credit pull and then declined my application based on paperwork that was confirmed to be sent to them by my HR department, and not because of my credit score which according to the rejection letter I received was XXXX. This is unacceptable, I would like to report their fraudulent practices.
Consumer complaint received 2017-05-02
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. (TX)

I have called this company many times to try and to get them to fix the errors that are being reported and i have also sent many certificated letters to show that these accounts and inquires are not mines as well as requesting them to update my information such as my address, my employer and my telephone number back in      XXXX   XXXX   XXXX     t hrough certificated mail and as of today     XXXX       it still has not been updated and when i called to try and get this resolved again they refuse to listen to my complaint and try and get this resolved.
Consumer complaint received 2017-12-19
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. (NJ)

To Whom It May Concern, This letter is a formal complaint that Equifax is reporting inaccurate credit information. I am perturbed that Equifax have included the below stated item in my credit report due to its damaging effects on my good credit rating. An account was placed under my name erroneously. Since then, Equifax has damaged my name, and my credit Equifax has entered derogatory information into my credit file. I should not be responsible for XXXX XXXX  mistake XXXX XXXX XXXX XXXX XXXX {$1300.00} XX/XX/XXXX XXXX XXXX XXXX {$150.00} XX/XX/XXXX
Consumer complaint received 2017-12-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (MI)

As the Secured Party Creditor, and the holder of the XXXX XXXX interest in any and all real and personal property and the proceeds therefrom, registered to, associated with, in the possession of, or under the management of, XXXX XXXX, and XXXX XXXX XXXX XXXX, your alleged claims and/or requests prejudice my rights, titles, and interests in regards to said property as the Executive Trustee for the private trust to which said rights, titles, and interests have been pledged. In order for me to provide you with a remedy, I conditionally accept your offer upon proof, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached. And, a copy sent to undersigned for rebuttal or acquiesce, of the following : 1. VERIFIABLE Proof of Legal documents to prove that you are legally authorized to collect, 2. VERIFIABLE Proof of Amount of the actual debt, 3. VERIFIABLE Proof of Payments made on the account, 4. VERIFIABLE Proof of Accounting of the debt, including all interest and fees, 5. VERIFIABLE Proof of Fees and interest amounts, 6. VERIFIABLE Proof of a signed contract showing the terms about the debt, 7. VERIFIABLE Proof of WHO owns the debt/or has been assigned the debt, 8. VERIFIABLE Proof of a copy of a true bill from the original creditor, 9. VERIFIABLE Proof of a complete payment history, starting with the original creditor, and 10. VERIFIABLE Proof of a Certified and True Copy of the original signed agreement or application. Please Note : I wish to deal with this matter in writing and I do not give your administration permission to contact me by telephone. Should you do so, I must warn you that the calls could constitute harassment ' and I may take action under Fair Debt Collection Practices Act 806. Harassment or abuse [ 15 USC 1692d ].
Consumer complaint received 2017-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (MD)

In XXXX XXXX, I gave stop payment instructions to Citibank online service ( online chat ) regarding a {$700.00} transaction with XXXX. I explained that the vendor delivered a defective light fixture and was unresponsive to my requests to return the defective product/cancel the order. I provided the vendor 's name and website and was assured that a stop payment order was in place. The chat history and related information is available in Citi Bank 's online chat system. On XXXX XXXX, XXXX, Citibank processed the {$700.00} payment. I immediately contacted the bank 's dispute center. Until this day, I have not received any refund or any documents in relation to the charge dispute.
Consumer complaint received 2017-12-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC. (CA)

It came to attention that AFNI, INC reported in my credit report without authorization and consent that I owed {$600.00} with an account number XXXX on XX/XX/2017. I do not owe this alleged debt and have no knowledge and there is no contract exist between the consumer and AFNI, INC.
Consumer complaint received 2017-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MO)

There is an address listed on my credit report which I have never lived at, and as far as I am aware does not exist in my town. The address is XXXX XXXX XXXX # XXXX # XXXX XXXX XXXX MO XXXX I have contacted the credit Bureau Experian about this several times by letters and phone calls. the response I keep getting is that the address has been verified ( You can not verify an address as mine I have never lived at ) and they can not remove the address from my report because there is an account associated with that address. I asked the " dispute speacialist '' what is the account supposedly associated with that address and was told " they will send me a copy of my credit report and I can find out for myself ''. How can I have an account associated with a non existing address? Today over the phone I was told from the same " dispute speacialist '' that it doesnt matter what address is on my report the addresses do n't matter anyway. If addresses do n't matter to them then why wo n't they remove it? Because it does matter to me.
Consumer complaint received 2017-12-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

I had a Home Loan with XXXX XXXX XXXX, XXXX ( XXXX ) for a home located at XXXX XXXX XXXX, XXXX, GA XXXX. I notified XXXX that we would be moving in XXXX of this year ( XXXX ), which we did, and asked XXXX to consider a Deed in Lieu of Foreclosure. XXXX claims to have contacted XXXX XXXX XXXX to obtain a Title Release on a Lien that was on the Property, that has been done away with/Avoided and excused in the Bankruptcy Approved Filing ( Attached ). At any rate the remaining amount left on the Loan was {$87000.00}. XXXX had the property appraised at XXXX XXXX, which was less than the Fair Market Value, and would pay me the difference. 
XXXX has dragged its feet for almost one year instead of foreclosing on the property, neither has XXXX provided me with proof from XXXX XXXX XXXX that is a Valid Lien, because they can not. 
Now, XXXX Sells the Mortgage to Select Portfolio Servicing , Inc., XXXX. XXXX  XXXX, XXXX XXXX XXXX, Utah XXXX, and they start sending me letters & Mortgage Statements ( Last One Dated XX/XX/XXXX ) for that property that I do not own, which was Approved By a XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Case Number : XXXX. Today, I get another letter dated XX/XX/XXXX, from XXXX XXXX XXXX XXXX by XXXX XXXX XXXX XXXX, XXXX, stating that they own the Mortgage, in any case, this is not my problem, that property was returned back to XXXX in XX/XX/XXXX, and XXXX changed the locks and took possession of its property. What is being done by XXXX, Select Portfolio and XXXX XXXX XXXX is pure outright harrassment.