davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (AL)

XXXX 2017 XXXX 2017 I called in to make my car payment via phone due to having to update my banking information Checkings Account Number and Routing .... I was speaking with a rep that was not to fluent in English and continuously kept asking her to repeat my account number back to be to ensure accuracy ; however, she would not she just kept stating she had to correct number due to her frustration. 

In turn, I was docked for being late 2 months in a row due to the bank account number not being found upon the company processing the payment ; however, I was not notified until calling in to process another payment. 

I have disputed this information via the CRAs and with the XXXX Executive Relations Department ; however, they are stating that I am responsible for the information the rep inserted even though I clearly asked her multiple time to repeat the account information back to me after multiple attempts. 

I have been a XXXX customer for almost 3 years with no lates until experiencing this issue and everytime I try to resolve the issue I am informed they will no longer investigate because the information is correct even though the error was simply due to an error with the customer service rep.
Consumer complaint received 2018-01-02
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. (GA)

I 've asked that information in my credit file be verified and validated under the FCRA and still the credit bearu has failed to do so and still reporting errors as of date. I havent received any documents supporting they have verified any information method used who verified nor how they verified the information being reported.
Consumer complaint received 2018-01-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Convergent Resources, Inc. (GA)

XXXX XXXX claims they represent XXXX XXXX XXXX in attempt to collect a debt in my name at the amount of {$180.00}. 
I 'm not aware of this debt. My relationship with XXXX XXXX XXXX ended in XXXX 2009. Even if such debt existed, based on Statute of Limitations for this kind of debt, which is six ( 6 ) years, it 's run well past the SOL. The debt has never been marked on my credit file and does n't exist as of the time of writing of this complaint. Neither the collection agency nor the original creditor may pursue any kind of collections since 1 ) no legal actions as an attempt to collect had been initiated within the time frame allowed for this kind of debt by the applicable law and 2 ) the SOL had expired as well.

Based on the above, the actions of XXXX XXXX are considered to be illegal and in violation of the corresponding Federal Law.
Consumer complaint received 2018-01-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (VA)

On XX/XX/XXXX I went in to a Best Buy store to purchase a new labtop. 

During purchase the supervisor encouraged us to sign up for the Best Buy credit card advertising it was 0 % interest on ALL purchases for 12 months. I asked for clarification and to confirm it was 0 % interest on ALL purchases- the supervisor confirmed this information. 

Reviewing my past two months statements I have been charged interest on all purchases made after the initial purchase which is not what was advertised. 

During transaction I never had the opportunity to review terms or read " fine print ''. I was lied to by a best buy supervisor.
Consumer complaint received 2018-01-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Fenton & McGarvey Law Firm, P.S.C. (CO)

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. My banking accounts have been garnished 4 times on an account that was closed on XX/XX/XXXX and has exceeded the statue of limitations for the state of Colorado. I have made no payments to this debt collection agency willingly and they persist to collect on this outdated account. I would be glad to set up an arrangement directly with XXXX, but wish to have all communication and debt collecting to cease from XXXX XXXX XXXX # XXXX, Fenton & McGarvey Law Firm, P.S.C., XXXX XXXX XXXX XXXX, XXXX, KY. XXXX. Ph # XXXX.
Consumer complaint received 2018-01-02
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (FL)

On XX/XX/17 I purchased a money order for XXXX from money gram at XXXX. 
The money order was stolen from the rent office along with multiple other money orders by an unknown person. I called money gram and they informed me that it had been cashed XX/XX/17 and that I needed to prove that it wasnt me who cashed it. They gave me the option of paying XXXX dollars to receive a picture of the check and at what location it was cashed at I agreed. When I got the copy of the money order at the time it was cashed it had been rewritten and my apartments name was no longer on the front of it with No signature on the back. 
Then they told me XXXX XXXX XXXX was the back that cashed the money order but when I went to chase they told me that the account money gram is saying the money order was cashed in does not exist and they are not responsible for cashing the money order .At that point I decided to turn to consumerfinance because Im being lied to and misled my money gram to my knowledge they are suppose to contact the bank the money order was cashed at and ask them to open a fraud investigation but Im left doing everything my self with no help
Consumer complaint received 2018-01-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (TX)

We moved from XXXX XXXX XXXX XXXX in XXXX 2015 due to noise and trash complaints ( I have photos and video ) and was sent an unverified debt 6 months later of {$4400.00}. It has been brought to my attention that national credit systems is not licensed to collect in the state of Texas. 
I have attached a photo of so much trash my husbands white truck was blocked in. 
And a video of our neighbor playing drums, these things happened multiple times.
Consumer complaint received 2017-11-14
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. (PA)

i recently submitted a dispute to experian in regards to 2 accounts on my credit file. 
the 1st account is XXXX XXXX - this company is reporting incorrect information on my credit file. I disputed it with all credit agencies it was being reported to as well as the company. It has already been removed from the other credit reporting agency but i feel Experian did not give me a fair investigation or right to dispute. This account should be deleted from my credit file The 2nd was against XXXX XXXX - this is a collection that does not belong to me. I have filed a FTC complaint and i have submitted it to the credit reporting agency and the company. The company sent me receipts from purchases but did not show anything that has my signature, id, or anything else that said i opened this account. I too disputed this with Experian and i feel that i was not given a fair investigation, especially since i feel this was a identity theft. This account was also reported in 2014 i disputed it then with the CFPB and it was removed now its being re-reported as well
Consumer complaint received 2017-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

Received current credit report from XXXX XX/XX/XXXX. 
Capital One Auto Finance Car Loan Paid off in XX/XX/XXXX, due to be removed XX/XX/XXXX, Now they have updated it to remain on my report until XX/XX/XXXX. i have attached document showing update. 
Law states that creditors can use 10 year rule because of bankruptcy. i have never filed Bankruptcy in my life. 
I called XXXX today XX/XX/XXXX and spoke to someone named XXXX. He said he did not know anything about it and could not do anything about anything and that there was not way for anyone to directly contact Investigative Department, not even he could do that. 
I called this number because it was on my XXXX Credit Report as an option for me to get help. I got no help when i called the number.
Consumer complaint received 2018-01-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

I took out 3 wire transfers to withdraw XXXX total ( XXXX each ) on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from Coinbase.com. Coinbase stated there could be a potential 2 to 3 day delay and was hoping to get the money sooner. 

It 's XX/XX/XXXX and my bank still has no records of ever receiving those funds. Coinbase should never have allowed wire transfers if their operations are so XXXX XXXX XXXX XXXX. 

To make matters worse Coinbase.com no longer offers any support related to wire transfers.
Consumer complaint received 2018-01-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX PHH Mortgage Services XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX, 2018 Regarding : Loan Number XXXX Dear CFPB, The mortgage escrow statement is missing the subject property address. I believe mortgage servicing laws require all mortgage statements have the property address associated with the loan on the statement. 

I received a mortgage escrow statement accompanied by a large check. I called the mortgage company PHH to see if they missed one of my insurance renewal payments. Some of my properties have more than one insurance policy. After three ten minute holds a consumer service rep verified my information. She verified my full name, mailing address, loan number and social security number but then would not verify the property address associated with the loan number and mortgage escrow statement I had received and was calling about. I explained I have more than one loan with PHH and I did not know which property this statement was concerning. Without knowing what property we are talking about we could not have an intelligent conversation about any propertys insurance renewal payments. 

I asked to speak with a supervisor and was told no one was available. I was told a supervisor would call me back within 24 hours. No one has ever called me back. The statement shows last years insurance was {$1300.00} and this year they only expect to pay {$590.00}, you would think that would raise concern. 

So now I am in a position where I do not know if the insurance on one of my properties will be renewed. I will only be able to find out after the policy has lapsed and my insurance company sends me a notice of non-renewal for lack of payment. PHH will possibly leave me in a position of great loss if my property is uninsured. The idea they will not tell me which property they missed the insurance renewal payment on is nothing short of negligence. 

I look forward to your assistance with this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2018-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (CA)

We 've been a member almost a year, paying XXXX each month. We were able to get the first three monthly reports but have been either Unable to get a report, or no other correspondence since then. 
We called XXXX Several Times and were either hung up on, or " Mysteriously '' got disconected. It definitely seems that they are avoiding contact and responsibility that we 've agreed to. My name is XXXX XXXX @ ( XXXX ) XXXX. Or you may call my wife, XXXX XXXX, @ ( XXXX ) XXXX XXXX.
Consumer complaint received 2018-01-02
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. (PA)

I need the assistance of the Consumer Financial Protection Bureau with the issue that I am facing. For the past couple of months, dozens of inquiries have been added to my credit report that I have NOT authorized. A scam company called " XXXX XXXX XXXX XXXX '' has been using my personal information and sending it out to several outside sources to pull my credit. I have not signed any documents or applications to cause more than 100 inquiries to be made on my Experian report. They initially sold me on the promise of helping me start a business but nothing ever became of that. I requested a Cease and Desist months ago and contacted them again this past XX/XX/XXXX but that has not stopped them from sending my information out and causing more unauthorized inquiries to be made on my credit. The person who was in charge of my account at XXXX XXXX XXXX was called XXXX XXXX. I am including a copy of the email I sent to his company requesting a Cease and Desist. I  have discovered that they are still causing more inquiries to be made with other companies I have not requested to work with. I am considering taking them to court and suing them but I also need Experian to delete ALL unauthorized inquiries. I also will need a fraud alert to be added to my credit as my information has been compromised by this scam company.
Consumer complaint received 2018-01-02
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: First Data Corporation (MD)

On XX/XX/XXXX I noticed an unauthorized charge for {$60.00} something from XXXX. On XX/XX/XXXX two more charges were made at XXXX one for {$240.00} and the other was {$21.00}. I called XXXX/XXXX XXXX that same day and they said they would submit a dispute for me but that I should call XXXX to try and get more information. XXXX told me they had no information available. On XX/XX/XXXX there was another charge from XXXX for {$40.00}. I called XXXX again and they told me to call XXXX again. I did that and XXXX told me XXXX needs to handle this. I have submitted various disputes via email, fax and regular mail to XXXX yet they keep saying they never received my disputes. When I call XXXX, I am placed on hold for over 30 minutes and then when I get to a representative, they tell me the dispute department is disclosed. XXXX is also charging me fees for ATM withdraws that they tell me are free. I have asked for my account to be closed and they say they ca n't but that they will send me a new card yet I never get the new card.
Consumer complaint received 2018-01-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

cant give me information ... chargered me XXXX, cant cxl subscription. my credit score dropped 65 points in one shot and no one can tell me why ... Its a joke
Consumer complaint received 2018-01-02
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: GVA Holdings, LLC (PA)

As of XX/XX/XXXX, the complaint that I had filed with GVA holdings via CFPB was closed after GVA agreed that my account was closed as a " courtesy to me. '' Today, XX/XX/XXXX, I have discovered that {$100.00} was pulled from my account again and when I called they claim there are no notations on my account and that I am to pay till MAY! I sent them a copy of what they had responded and await a response. In the meantime I am $ -XXXX overdrawn and this should not be.
Consumer complaint received 2018-01-02
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (NV)

v Exit XXXX XXXX : CustomerXXXX : Initial Question/Comment : Hello ... My account is closed, yet I earned {$20.00} in cash back rewards ... how can this be rectified? 

XXXX XXXX : SystemSystem : Welcome to XXXX XXXX Card Live Chat. Your chat may be monitored and recorded for quality purposes. A chat agent will be with you momentarily. 

XXXX XXXX : SystemSystem : XXXX XXXX has joined this session! 

XXXX XXXX : SystemSystem : Connected with XXXX XXXX. Your Reference Number for this chat is XXXX. 

XXXX XXXX : AgentXXXX XXXX : Hello, XXXX. Thank you for contacting Synchrony Bank regarding the XXXX Store Card! 

XXXX XXXX : AgentXXXX XXXX : Let me check this for you. 

XXXX XXXX : AgentXXXX XXXX : I do see the account was closed on XX/XX/XXXX. 

XXXX XXXX : AgentXXXX XXXX : These are the previous rewards earned which are not active now as the account is closed. 

XXXX XXXX : CustomerXXXX : I understand this. However, I am making payments and earned that moeny. why is my account closed? 

XXXX XXXX : AgentXXXX XXXX : The account is closed due to returned payments on XX/XX/XXXX, XX/XX/XXXX due to insufficient funds. 

XXXX XXXX : CustomerXXXX : even though the account is now current? hmm ... I will be reporting this to the CFPB XXXX XXXX : AgentXXXX XXXX : Please allow me a minute here, please. 

XXXX XXXX : AgentXXXX XXXX : XXXX, please wait while I transfer this chat to my manager to assist you further. 

XXXX XXXX : SystemSystem : You are being transferred to another Agent. Please stand by ... 

XXXX XXXX : SystemSystem : XXXX XXXX has left this session! 

XXXX XXXX : SystemSystem : XXXX XXXX Operations Manager has joined this session! 

XXXX XXXX : SystemSystem : Connected with XXXX XXXX Operations Manager. Your Reference Number for this chat is XXXX. 

XXXX XXXX : CustomerXXXX : I really do n't need any further assistance. 

XXXX XXXX : AgentXXXX XXXX Operations Manager : Hello XXXX. 

XXXX XXXX : CustomerXXXX : I asked a question, it was answered, and now I am going to escalate the matter XXXX XXXX : AgentXXXX XXXX Operations Manager : I understand. 

XXXX XXXX : XXXX XXXX XXXX Manager : However I can explain this further. 

XXXX XXXX : XXXX XXXX XXXX Manager : XXXX, as explained that account can not be reopen to use the rewards. 

XXXX XXXX : CustomerXXXX : You as a company stated I would earn cash back, I made a payment that was returned, but was later rectified. However, not only was my account denied for a limit increase due to a collection that was fraudulent that has since been deleted from my credit report, but now my account is closed and you as a company are withholding the offer for the cash back that could have been placed on my account to assist with lowering the balance ... did I miss anything? 

XXXX XXXX : CustomerXXXX : Thank you, XXXX. I will no longer need your assistance.
Consumer complaint received 2018-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

After reviewing my credit report, I found that my account had a medical obligation from XXXX XXXX XXXX, XXXX for {$210.00}. I am very aware of any payments that are due and make timely payments, so I was shocked to see this account. 

I do not recall any contractual relationship I had with this organization and all of my medical bills are normally paid by my insurance. 

In my attempts to find out more from this organization, I found out that this company is not bonded in the state of Texas according to Section 392.101. It prohibits a third party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the office of the Secretary of State. XXXX XXXX XXXX state that they are associated with another company but no designation of this fact is shown in the State of Texas database. Also the company failed to provide information supporting their claim. 

According to the FDCPA, the organization is to validate the debt, but I have not received the documents necessary to prove that this organization is owed the alleged obligation. I 've tried to work this situation out with the third-party collector and no information was forwarded. I needed to see an Exclamation of Benefits ( EOB ) and also a signed document showing proof of services provided to me. XXXX XXXX XXXX, XXXX failed to provide the information but it in violation by ruining my credit by putting on my credit report an unsupported tradeline. I tried to get information from this organization via the Better Business Bureau and received no information to this date. 

I request that XXXX, Equifax and XXXX remove this tradeline from my credit report as the organization in question has not provided information to support their claims of indebtedness, collection, or ownership.
Consumer complaint received 2018-01-02
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: HYUNDAI CAPITAL AMERICA (PA)

My car was repossessed on XX/XX/XXXX. I had been trying have the payments lowered but would always say you cant. Hyundai Motor Finance has not worked with me. At one point they lowered it by {$15.00}. Hyundai has called my father at work without permission, my fianc at work without permission, my father in law without permission, and my mother. Hyundai put my father 's job and fianc 's job in jeopardy. I have called and explained I had not been working and my parents are on social security and have been trying to help me as much as possible. I am currently working now and would like to figure out what can ve done to get my car back. I need it to get to work and my daughter 's carseat and stroller are in the car. Hyundai stated that {$3900.00} is due to get it back. I only owe {$4300.00}. Hyundai will call 15 times a day using 5 different numbers. Even after payments are made the calls continue, and when I call they say you need to go online and we cant stop the calls.