davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-30
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: CORELOGIC INC (LA)

I have noticed that I have a hard credit inquire from your company on my XXXX, XXXX and XXXX XXXX credit file dated XX/XX/XXXX. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC & 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC & 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. I have filed a police report with the Sheriff 's Department XXXX XXXX XXXX on XX/XX/XXXX with a report number # XXXX for identity theft, Name and unit of Reporting Deputy XXXX XXXX # XXXX. This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this letter to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter. Please contact me if you have any questions. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX Email : XXXX XXXX
Consumer complaint received 2018-07-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MA)

I seldom use phone to contact them, but the few time I did, the agents were not that friendly. Very curt and were not open to explanation or clarification. I did speak with someone a month ago who was a little better. I am very tired of the inaccuracies in how they deal with the PSLF process. I also do not feel that I have been given the total information about process when I spoke with agents. My Employer Certification form has been submitted several times and the dates have been changed to make it more difficult for me. I feel like I am sending documents all the time. They change the dates and I feel that there is error in processing, and change in dates are a problem. I just sent them an email and I have not received a response as yet. I feel that they are giving incorrect information and I am sending in UN-necessary documents due to their error in processing. Sometimes they respond to my email in a timely manner, but not all the time. I prefer to send email as I have everything in writing. I just sent a frustrated email to them XX/XX/18.
Consumer complaint received 2018-02-14
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

Concerning Coinbase, headquartered in XXXX XXXX, California. 

International payment, value XXXX GPB, or XXXX EUR, made XX/XX/XXXX. No payment received into my online trading account. Escalated XX/XX/XXXX on the online support form. Confirmed shortly thereafter by phone that payment had been received but they were ascertaining whether this payment could be forwarded to my Coinbase trading account or refunded. 

As of XX/XX/XXXX, over three months later, after repeated phone calls with no information offered, and repeated emails each time an automated response, I'm escalating the problem with the CFPB.
Consumer complaint received 2018-02-14
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: Army and Air Force Exchange Service (FL)

This is my 2nd complaint with CFPB against XXXX XXXX. My original complaint was closed and XXXX XXXX provided the attached information in response to my complaint. The information they supplied Doesnt Belong and i have no connection to XXXX XXXX which further shows star did not research my complaint and only supplied anything to have it closed. I will escalate this issue further if i have to because it is clear XXXX XXXX does not ensure customer privacy or care about their customers. 

Below is my complaint : I have been a XXXX XXXX Customer for about 13 years. During the course of those 13 years i have gone on 7 XXXX. During the course of those XXXX to XXXX and XXXX there have been times i have had no access to computers or a store location to pay. SCRA benefits have never been applied to my account during these times.
Consumer complaint received 2018-07-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (FL)

I have sent my loss payment check of XXXX for an insurance claim I filed for Hurricane Irma damage to my home. The ck was received by ( Ditech Financial ) my mortgage holder back on XX/XX/2018. I sent them all requested documents except a detailed estimate from the insurance carrier. This estimate that they are requesting was not given to me.As the claim was a negotiated settlement amount that was agreed to by both the insurance carrier and myself. No such estimate exists and i can not supply them with this document as they are requiring to release the {$28000.00} dollars that they are holding. They only sent me {$5000.00} to commence repairs. I have sent them a contract that I have with a roofer for {$7700.00}. I had to pay my public adjuster who negotiated the claim, his fee for services of {$3700.00}. for which I sent the receipt of payment. I am caught in a very difficult position of how to proceed with repairs without the necessary funds. My roof is still leaking and conditions are getting worse. Ditech refuses to release any additional funds as they tell me " their investor requires this detailed estimate to release the funds ''. This is impossible to do as my public adjuster explained to them. It is a negotiated settlement for a fixed dollar amount. My attorney sent them a letter on XXXX-18, so as to release all funds as to continue repairs, and they have ignored his petition.
Consumer complaint received 2018-07-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

this is a weird reason to use cfpb i can think of nothing else so i can recover my time and well being already lost. i am a PLAINTIFF who is trying to get some funds from a garnished account. I have tried everything and need help cutting thru RED TAPE. the social security nnumber of defendant is XXXX. I mailed a request for funds, on XXXX had branch in XXXX nj do it or asked them tofax request XXXX since legal order processing told me to tell the branch to fax it to speed it up STILL NOTHING i faxed a request on XXXX to get some of the money to which i am entitled as per legal order nothing has resulted in anything. They still to this minute on XXXX HAVE RECEIVED NOTHING SO I CAN GET MY MONEY AND MAINTAIN THE HOLD ON CUSTOMERS ACCOUNT WHAT IS WRONG HERE? I AM DONE BEING SENT ONA WILD GOOSE CHASE. POSSIBLY THE BRANCH IN nj DID NOT FAX IT ON XXXX AS I ASKED BOTTOM LINE ITS BEEN SENT 3 TIMES I NEED THE MONEY TO WHICH I AM ENTITLED AS PER COURT ORDER HELP HELP HELP HELP
Consumer complaint received 2018-07-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

The company XXXX CONTINUES to report on my credit bureau stating I owe a debt that I am not aware of. I have sent them numerous letters stating that I need to has this verified in order to determine that these alleged debts are owe by me. They sent me an account summary which shows nothing about me opening these accounts. I asked them to send me the consumer contract with my signature on it so I can see if that is my signature. They have failed to do so and from my understanding under the FCRA a 3rd party collection agency should have that information and they have failed to provide me with the info and continue to place this alleged debt on my profile which is hindering me from utilizing my credit. They stated that these accounts were made online, without my signature how could someone just open an account with my authorization online and they hold me accountable and they cant verify that it is mine.
Consumer complaint received 2018-07-19
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)

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX 4. XXXX XXXX XXXX XXXX. 
5. XXXX  XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX XXXX 8.  XXXX XXXX XXXX
Consumer complaint received 2018-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (GA)

There is delayed that is being reported on my credit report appears to be inaccurate and misleading. Please make sure to supply proof that this claimed account was in fact overdue and you have the important guidelines to be able to adequately learn more about your allegations. I highly recommend you present this information or simply remove the negativity of this kind of account right away.
Consumer complaint received 2018-07-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BTH Management (MD)

In a recent review of my credit report, XXXX, I noticed the addition of a company called XXXX   XXXX. I received no form of communication such as a phone call, a letter, or the like. In my attempt to contact the company, the unnamed representative, XXXX stated to me : 'We purchased the debt from XXXX XXXX in your name and social and they state you owe a balance of {$1100.00}. ' I quickly asked where was the communication to substantiate said debt? She alleged that a letter was sent to the address that XXXX provided to them and by law that is all that ( we ) are required to do. She further stated that she had been a debt collector for more than ( 20 ) years and she knew the laws. If in fact a letter was sent, it would have been returned. From XX/XX/XXXX to XX/XX/XXXX, I was XXXX. I had no fixed address and was essentially living on the streets, in a car, or a hotel when funds were available. My decent into XXXX  stemmed from a job loss. Presently, I am attempting to restore my credit ; but when companies such as this impede my rights to challenge any debt prior to reporting, it becomes extremely difficult.
Consumer complaint received 2018-07-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ceannate (FL)

1. FMS  is reporting an unvalidated debt to the Credit Reporting Agencies ( CRAs ).

2. Upon receiving written notification of the alleged debt, I immediately responded in writing within the statutory time-frame of 30 days and requested that FMS furnished me with " Validation '' of the debt.

3. The request in paragraph 2 has NOT been forthcoming. Instead, FMS decided to continue with
Collection activities and has updated my credit report as recent as XX/XX/2018.

4. Pursuant to FDCRA, all collection activities ought to be stopped during the window where debt validation is pending. FMS has NOT yet validated this debt and as such it should NOT be reporting on my credit report.
5. In light of the foregoing, FMS is in violation of FDCPA, and notwithstanding prior violations previously submitted. Consequently, this complaint serves to engage the services of FTC and/or CFPB to ensure that my consumer rights are protected and are not infringed upon by FMS. Additionally, it is hereby requested that CFPB administratively order FMS to remove all negative information from my credit report and cease all collection attempts until they provide me with Full Validation of the alleged debt. 6. All rights reserved to seek compensation for all violations already committed to by FMS through the appropriate legal channels. 7. I trust that this step will amicably resolved this matter ; thus averting the need for litigation.
Consumer complaint received 2018-07-21
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. (CO)

In XX/XX/2018 I made a payment to XXXX XXXX XXXX in XXXX, NE. I was running a little late on my payments so I made a payment of {$30.00} on XX/XX/2018. The amount shown past due at that time was {$28.00} so i actually paid more than what was shown as overdue. The payment was due on XX/XX/2018 so I made the payment early. They havd notified the 3 credit bureaus that I was 30-59 days past due, which is incorrect.

This has had a substantial negative effect on my credit score. Since the total amount due shown was {$64.00}, due by XX/XX/2018, how was I late. The amount circled shows the past due amount. While I was a few dollars short of the actual payment due, I still paid the overdue amount before the date due. Is this some sort of scam on the part of this company to charge more fees? This looks like a deceptive trade practice to me.
Consumer complaint received 2018-07-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

Online access to my funds has been restricted. Chase Bank is causing a hardship by restricting my livelihood and access to my funds for daily life. I live in XXXX so I can not go into a branch to clear this up which is the only option they have offered to me. On XX/XX/XXXX I used a bank product to send funds to my son in the US. The payment was canceled when he didn't respond in time and caused, it seems, my access to be restricted. Since then I have spent over 3 hours each call trying to get this cleared. On XX/XX/XXXX when I asked the operator for a moment to check on a date for an answer, she refused and said the only solution was to go into a branch. She also seems to have noted that I was not able to answer a number of questions correctly, which is not true. I know there are other ways to resolve this restriction on my account that don't require I go into a branch,, since something similar happened about a year ago and they took measures to clear my name without a visit to a branch. I need help to find a solution and get access to my account as soon as possible if I am to pay my bills.
Consumer complaint received 2018-07-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PREFERRED CREDIT INC (HI)

This debt collector claims I owe them an arreas of $ 3500+ Which in fact I have no knowledge or ever making an agreement with this business. This company constantly, calls me and leaves voice messages, send me emails, mail letters and just today they came over to my property and left an envelope with a document. This harrasment needs to stop.
Consumer complaint received 2018-07-20
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: AES/PHEAA (CA)

I recently graduated from XXXX school on XX/XX/18 and prior to this I have been a student full time. As The XXXX   confirmed by the letter on XX/XX/2018 sent to me : XXXX, the In-School Deferment on your student loan ( s ) will expire on XX/XX/2018. Youre scheduled to start making monthly payments ON XX/XX/2018. 

So, I have the times is 30 days to finding the money in order to make payment? I thinking this Scheduled repayment is very great to me for ( ( Im starting my XXXX XXXX XXXX on XX/XX/18 ) ). 

But, I dont know why : *The AES asked me to make the payment {$430.00} ( Due by XX/XX/2018 ) while Im still a student full time. 
And *The AES asked me to make the payment {$660.00} ( Due by XX/XX/2018 ) At this time that I recently graduated from XXXX school on XX/XX/18. 
I am writing to request that the AES/ credit report be corrected to reflect that my co-signers ( XXXX ) and I am no longer delinquent.
Consumer complaint received 2018-07-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Simon's Agency, Inc. (NJ)

On XX/XX/2018 the company below claimed I owed them ( 1 ) {$20.00} for a debt ( 1 ) {$30.00} for a debt ( 1 ) {$30.00} for a debt I asked them to send me proof I owed it to them. I asked them to verify and validate this so I could have a better understanding. I asked for a contract between them and I along with my signature and any agreement containing such.They said all they could send me was a receipt. They sent me a typed receipt that says " Paid In Full '' I asked them to show me a receipt with a transaction number and authorization to use any banking information or credit card containing my information. Since they didn't respond to me right away after asking for this information I submitted this same request to XXXX and XXXX. This company has yet to reach out to either company or me and produce what I asked for. 
I have never paid this company any money nor do I know who they are.
Consumer complaint received 2018-07-20
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: AMERICAN EXPRESS COMPANY (GA)

I have multiple, recurring issues with AmEx that suggest a pervasive pattern of fraud or misconduct that surely impacts many consumers. In XX/XX/XXXX, I  donated points to a charity. It took 20 HOURS of contacts over four+ months before the checks were finally sent to the charity. Last month, I donated points again -- - three sets on the same date ( XX/XX/XXXX ) ; the charity received the check for the first donation but is still waiting for the other two checks. 

Last XXXX, I purchased an item on XXXX. I refused delivery when it arrived missing pieces. The Seller agreed to provide a full refund. AmEx credited the full amount. However, six months later, it charged my account claiming the Seller had challenged by dispute and billed me again. To my knowledge, I am still due a refund of that subsequent charge. 

In XX/XX/XXXX, I purchased a guitar for {$1600.00}. The guitar started twanging so I returned it. I did not hear from the Seller for two weeks, so I filed a dispute and received a credit for the full {$1600.00}. However, every month since then, I have been recharged {$1600.00}, and I have to spend hours redisputing the charge. To date, the amount has been charged three times and credited three times. Last week, my payment-due increased dramatically. I scoured my XXXX statement but could not find how the amount was calculated. I charged {$3300.00} and received credits of {$2400.00} I do have a pay-over-time balance, so my payment due included {$360.00} in interest plus 1 % of that PIT balance. AmEx is demanding {$5000.00} plus the {$360.00}, which is exactly {$1600.00} more than my actual charges of {$3300.00}. I spent -- - literally -- - four hours chatting with AmEx. Fortunately, I copied and pasted some of the conversations, because some of them got deleted when I got booted and had to re-log onto AmEx 's chat.

I don't know what scams these are, but AmEx refused to address the {$1600.00} charge. Its rep said over and over that I needed a " new reason '' to dispute the charge other than that I bought a defective item, returned it to the seller with his agreement, and am still charged. He also insisted that AmEx is " just the mediator '' in disputes but that I have no recourse at all if the seller challenges my dispute. The seller, on the other hand, emailed that AmEx had withdrawn the full {$1600.00} PLUS fees from his account back in XX/XX/XXXX. He did not challenge my dispute at all! 

This is too pervasive to be unique to me ... and it crosses several categories of possible consumer fraud. How many points are donated to charities but AmEx never delivers those checks??? How many consumers are charged again and again for items such as the {$1600.00} charge? And when the statement clearly fails to substantiate the additional charge, what recourse do consumers have to defend against abuses such s this?
Consumer complaint received 2018-07-20
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (LA)

I XXXX XXXX XXXX XXXX have filed numerous disputes with equifax regarding Acct. # XXXX, and XXXX regarding inaccurate information being reported on my credit report by XXXX XXXX XXXX. and requested that any and all documents pertaining to their investigation and response from the lender be provided to me according to my rights. I advised them that I did not consent to XXXX or means of automated verification, due to the fact that the lender has documents that does not identify with my signature in the records and their inaccurate reportings about the date of last payment made. The creditors advised that they verified that the account reporting was correct, but did not provide me with documentation to support their findings as requested. The Bureaus advised that I would need to contact the creditor to resolve this matter. On XX/XX/2018, I submitted a certified letter to the lender ( XXXX XXXX XXXX, requesting all documents pertaining to my account, including those bearing my signature, and they provided me with documents showing late payment after a voluntary repossession. I am attaching documentation of the letter submitted to the bureaus and the lender for your review.
Consumer complaint received 2018-07-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: COLORADO HOUSING AND FINANCE AUTHORITY (CO)

I received a two party check with my name and Colorado Housing and Finance Authority after a hail claim. I signed the check and mailed to CHFA per their request. They are stating I as the homeowner can not perform any necessary repairs myself. I have a licensed roofer doing the roof, to be completed by XX/XX/XXXX and they have not seen a dime from CHFA. I would like to perform the smaller tasks such as paint, pressure wash deck and fence, etc and the mortgage company is stating it has to be done 100 % by a general contractor. Also, theyre holding the check until all work is complete. Is this okay for them to hold the check?