davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-28
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (CA)

Someone from a company named XXXX XXXX, keeps calling a relative of mine. The last call was on XXXX, at XXXX, from phone number XXXX showing from Arizona XXXX The person said that me and my spouse had done business with them. My relative has ask them to stop calling, but they keep calling. I called the number, and spoke to someone named XXXX XXXX, who had a middle eastern accent. I told him that in would be filing a complaint.
Consumer complaint received 2017-10-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (WI)

PayPal is not allowing me to withdraw my refund given to me. I was refunded for an item and they have frozen my account and claimed that the transaction is at risk for a charge back or dispute. That is a lie, You CAN NOT dispute a refund, XXXX XXXX XXXX AND XXXX AND XXXX do not allow chargebacks or disputes for refunds. They only allow them for purchases or debits. That is simply my money being given back to me and is not even a transaction associated with a credit card or debit card or bank account. 

Reference ID : XXXX Email : XXXXXXXXXXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX The amount is {$2500.00} on hold and needs to be released.
Consumer complaint received 2017-10-27
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (PA)

Navient and XXXX XXXX are absolutely insane. They call non stop at all hours starting at 7 am through XXXX pm 7 days a week. Ive filed multiple complaints with the attorney generals office about this and how they are so unprofessional and rude. I once called 15 separate times and not once did anyone answer. It continued to ring and ring till I finally got connected and was hung up on. Even when you do talk to anyone, nothing is noted or filed. They will say they have not heard from you even if you just hung up with them
Consumer complaint received 2017-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (MI)

I charge large amounts, but pay off my balance in full every month. For the payment that was due XX/XX/XXXX, I made several payments using XXXX XX/XX/XXXXbill pay function, as I do every month ( as I have several accounts that I pay my American Express bill from ). The last payment of {$3000.00} was made on XX/XX/XXXX to be delivered to XXXX onXX/XX/XXXX. On XXXX XXXX, I was notified from XXXX that the payment they sent came back as undeliverable. I immediately went on to the XXXX site, paid the {$3000.00} in full and then started a customer chat with XXXX. They told me they could do nothing about the situation until the next bill was issued. I tried the chat again on XXXX XXXX and was connected to XXXX, who was of no help and told me he could do nothing to assist me before even understanding my situation. I asked for a supervisor and was connected to XXXX. She seemed to understand the situation and asked me to upload my documents to prove my story. I did so via the link provided. I heard nothing back, so tried the chat again on XXXX. I went through all of these details and asked them to review my upload. They told me the case was closed and I would be charged over {$100.00} in interest. I then got on the phone and proceeded to fight with the customer service representative XXXX for over an hour. I repeated my story and asked to speak to a supervisor no fewer than 5 times. After placing me on hold repeatedly and refusing to get a supervisor, she told me the case was closed and that they could not help me. Only after 30 minutes into the conversation did she finally investigate my document upload and tell me they never received it. I asked to upload it again and demanded a supervisor. This took another 15-20 minutes, and she told me all supervisors were busy. I uploaded the documents again and received a case number of XXXX. I told her that I would hold all night and wait for a supervisor. She then finally said that she would " endorse '' a supervisor call but they would have to call me. I have heard nothing. I ca n't get an email address or phone number to reach anyone other than the basic customer representative, so I reached out via XX/XX/XXXX. I explained my situation AGAIN and they sent a canned message to contact them via chat. Any time I asked for a supervisor phone number or emai, they just kept sending this same message. I am beyond frustrated.
Consumer complaint received 2017-10-28
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I have disputed a dental bill on my equifax credit report. It was denied due to dental office provided record of my visit. I called dental office as well as cornerstone credit to explain my dispute. I did not deny visit my problem is this. 
1 ) the bill was sent to an address I lived at in XXXX so I did not know it existed. My husband and I currently use this dentist and they have our updated address so I dont know what they mailed something to an address from XXXX. 
2 ) the dentist at the time ( who is no longer with Office ) saw me to look at a denture he made that was giving me problems. He told me there was no charge due to circumstance of it not fitting properly. I was given the option to send to the lab for a few days with charge of around 500.00. I declined at the time because I couldnt afford it and did not want to be without it for 3 days at work. He put a temporary repair on it no charge until I could get a permanent fix. I did not know of or expect a bill for this. 
I disputed and was denied due to dental office providing proof of service I resubmitted dispute under the information I just provided to you On XXXX The estimated time for dispute under equifax web sight for investigation to be complete was XXXX XXXX XXXX. Checking the status of that dispute it was never completed by equifax. As of today XXXX XXXX XXXX conformation # XXXX Is still showing a pending status and has he ever been investigated. I did resubmit a dispute XXXX XXXX XXXX for the same debt and it was denied again. I believe my dispute should be granted due to the fact that the XXXX dispute was never completed properly according to my rights as a consumer their job was to investigate and complete investigation within a timely manner. It has not been completed as of this day. As far as my most current dispute on same credit issue I am disputing the conversation the doctor and I had about not charging me for the visit, as well as the mail not being sent to the appropriate address. The staff in the office currently are all mostly new as they had a huge turnover since my XXXX visit. When I talked to a lady in reception at dental office she encouraged me to dispute this, as according to her files are so messed up from old staff, I am still trying to fix things, we have found so many errors its a nightmare. I wanted the dentist no charge promise investigated and the problem regarding mail not being accurately mailed to me to be looked at I would like my disputed granted due to incomplete investigation from XXXXXXXX XXXX and would like proof of current dispute that was denied was investigated properly.
Consumer complaint received 2017-10-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NC)

I called Navient to ask why my loan amount had increased from XXXX to XXXX when I did n't make any changes on the loan. Navient told me I had selected in XXXX to go on a graduated repayment option. I asked for them to investigate because I never authorized any payment changes. I did tell them I wanted a forbearance at the given time and understood I would be charged interest for the time it was on forbearance. Then they proceeded to tell me I was on a " fixed '' interest rate. The customer service line gave me different answers everytime I called. I went online and starting doing research myself. When I looked on their website for a fixed payment option it did not exist. Only options were graduated interest only option. Looking at my loan amount it was $ XXXX. Exactly the amount I took out in XXXX initially. I know I attended some adiditional colleges for approximately XXXX. However with me paying my loans every month since XXXX and only missing XXXX full year in XXXX I should have had my loans down more. I could n't seem to get any help at all.
Consumer complaint received 2017-10-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: URS Holding, LLC (CA)

I am writing to complain about three financial institutions that conspiring to remove money from our checking account. These companies are XXXX XXXX , XXXX, XXXX XXXX XXXX, and XXXX XXXX. 
In XX/XX/XXXX, we agreed to a debt reconsolidation for a credit card from XXXX XXXX. The card was in the name of XXXX XXXX XXXX. We agreed to pay {$400.00} a month to XXXX XXXX , XXXX to pay off the balance on the card. We later found out that XXXX XXXX was an intermediary of some sort because their company appears on the endorsement side of the check. This transaction was completed for the months of XXXX, XXXX, and XXXX. Unfortunately, XXXX XXXX, who was earning the majority of the money in our household, was forced to resign her position as a nurse practitioner. She started working again in XXXX. I called XXXX in early XXXX, asking them to stop the payments of the checks temporarily. We both agreed that once we were financially stable enough, we would resume payments. While there were other agents involved with these actions, the individual from XXXX who is in charge of the account is XXXX XXXX. 
On XX/XX/XXXX, we received notice of an overdraft from our checking account for {$400.00}. We discovered that XXXX began to make withdrawals from our account again. We never gave them permission to resume this action. As a result, our account over-drafted twice and we paid {$68.00} in overdraft fees. 
We have since written a letter to XXXX XXXX formerly requesting them to cease withdrawing money from our account. I sent this letter directly to their email account and as a certified letter. We have also placed a Stop Payment on all checks from XXXX XXXX XXXX.
We consider XXXX XXXX , XXXX to be primarily responsible for this issue. We are naming XXXX XXXX XXXX because they advised us to use XXXX. We also name XXXX XXXX because their name appears on the endorsement side of the check and we were not aware they were involved in any of the transactions.
Consumer complaint received 2017-10-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (AL)

This account was previously disputed and removed from my credit report earlier this year by the last collection agency that had this account I was assured by Equifax that this could not be place back on my credit report by any other collection agency. It was sold to this collection agency ( XXXX ) and the dollar amount was changed from {$800.00} to {$800.00} and put back on my credit report. I would like this to be removed in no more then 7 days of receiving this complaint and a new report sent out to my address verifying the removal. Equifax assured me that this would not be allowed to happen and it 's affecting my life due to me being in the middle of purchasing my first home and my credit has dropped by almost a 100 points.
Consumer complaint received 2017-10-28
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Ingo Money, Inc. (CT)

On XXXX XXXX th I used my card to deposit my birthday check threw taking pictures of it threw Ingo money must be there 3 rd party person who does the checks on XXXX XXXX XXXX I called to see if they could cash the check faster I didnt realize it took so long to cash and I needed the money when they couldnt get it to go faster I asked for the check to be canceled so I could go cash it! I went and cashed not thinking anything because I canceled it already on the XXXX XXXX of XXXX I got my daily amount text with an amount on there I thought it was chil support payment so I took the cash out and paid a little on 2 bills long story short it wasnt child support payment at all they went and cashed the check even though I had already cashed it I called them to figure out what happen and I get hung up on or the rudest people ever speak to me I cant get to a supervisor because I get hung up on this is getting no where and it needs to be cleared up ASAP I need help
Consumer complaint received 2017-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I 've complained about this account with XXXX XXXX numerous times with TransUnion. XXXX XXXX told me it was due to a bad check written to the original company ( the XXXX. I explained to them that my business was Incorporated I was not liable my business was of which I 've sent proof of that. Well since the do n't believe me, then I 'll go another way with this.the account is still showing as an open account, and it went over the XXXX year statue of limitations. It was a bad check that only has a statue of limitation of XXXX years. And does n't belong on my credit report.the other XXXX agencies saw the facts and removed this XXXX XXXX XXXX from my records. XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-10-28
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (FL)

To Whom It May Concern I have a VA Mortgage with Freedom Mortgage Co. beginningXX/XX/XXXXXX/XX/XXXXand as ofXX/XX/XXXX, I was contacted by Freedom Mortgage that I was eligible for a IRRRL Loan and to contact them by Phone. ( Notice datedXX/XX/XXXX ). I called and spoke with a man named XXXX XXXX, a VP for Freedom. I  was told the new Mortgage would lower my payments and there would be no out of pocket cost and no added cost would be added to the original Mortgage.The new Mortgage went down from {$1300.00} to {$1200.00}. On XX/XX/XXXX, I received a statement that Freedom Mortgage had taken my escrow money for the sum of {$2100.00} and that the new projections show that I was in the hole for {$770.00}. See XX/XX/XXXXStatement. There was no mention at any time that Freedom Mortgage would take my escrow account and then raise my Mortgage Payments. My new Payment is {$1300.00}. I tried to contact XXXX XXXX but he will not answer his phone, and Freedom 's customer relations, or other departments offer no solution. I just found out about CFPB and hope you can help resolve this problem one way or the other. Sincerely
Consumer complaint received 2017-10-28
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: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

I wish to file a complaint against Portfolio Recovery XXXXociates, LLC for reporting a fraudulent account on my credit reports. I noticed a fraudulent XXXX XXXX XXXX credit card account on my credit reports. I have never had an account with XXXX XXXX XXXX. XXXX XXXX XXXX did an investigation and ruled in my favor, that this account was fraudulently open. XXXX XXXX XXXX removed this fraudulent account from my credit reports. The letter I received from XXXX XXXX XXXX, is enclosed as an attachment. But Portfolio Recovery Associates, LLC the collection agency that purchased this account and listed it as a collection account will not remove this fraudulent account from my credit reports. 
The original creditor XXXX XXXX XXXX, determined I did n't open this account and that it was open thru fraudulently means and I am not liable for any charges related to this account. So Portfolio Recovery Associates, LLC is violating the FCRA by listing an account on my credit reports that does n't exist. Please make Portfolio Recovery Associates remove this fraudulent account from my credit reports. They are knowingly and willfully violating my consumer rights and the FCRA. The letter from XXXX XXXX XXXX is enclosed as an attachment.
Consumer complaint received 2017-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I filed a complaint with CFPB # XXXX because Equifax 's website is unavailable, and you ca n't speak to someone on the phone. I just received an email from CFPB saying the company has responded and the complaint is closed. Nothing could be further from the truth. We have heard nothing from Equifax, still ca n't speak to someone there and have had no communication from Equifax. 

How can this be? What good is making a complaint if this is how CFPB handles it? 
WE are both very displeased and I 'm now making a complaint against CFPB
Consumer complaint received 2017-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (ME)

American Express offered a Delta Gold Card with an  offer for {$150.00} Credit Statement and Free Sky Miles after purchases. When I contacted them today ( just received card ) for confirming the credit offer, they claimed they can not provide the bonus ( es ) since I have had this card before. I told them and include here the Terms and Conditions for the offer which is unclear on the basis for making the offer unavailable : " Welcome bonus offer not available to applicants who have or have had this product. 
If we in our sole discretion determine that you have engaged in abuse, misuse, or gaming in connection with the welcome bonus offer in any way or that you intend to do so ( for example, if you applied for one or more cards to obtain a welcome bonus offer ( s ) that we did not intend for you ; if you cancel or downgrade your account within 12 months after acquiring it ; or if you cancel or return purchases you made to meet the Threshold Amount ), we may not credit the welcome bonus to, we may freeze the welcome bonus credited to, or we may take away the welcome bonus from your account. We may also cancel this Card account and other Card accounts you may have with us. '' The complaint is that the offer is duplicitous - their offer information is contradictory ( they claim their offer materials on the web site exclude the bonus ( es ) if the card was previously owned. The T & C only discusses withdrawal of offer in the event of " abuse, misuse, or gaming ''. Clearly not the case here.
Consumer complaint received 2017-10-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL (NJ)

I have a Walmart Credit Card account which had a balance of {$550.00} I have paid this account on time and can prove it. My most recent payment was one day late, my payment was due on XX/XX/XXXX and I paid it on XX/XX/XXXX and was charged a late fee of {$35.00}. I am personally in the process of obtaining a mortgage so there are inquiries that reflect that on my report. I spoke with a credit rep at Synchrony XXXX and they told me that my credit amount on my card was due to a negative credit check. My credit actually increased, so that was a lie. It looks to me that Walmart saw that I was applying for something and since my credit utilization had decreased with the card, they lowered my credit on the card which actually increases my credit utilization and basically lowers my credit score which could hurt me with obtaining a mortgage. I am an XXXX American woman who is hard working daily and me and my family are working hard to obtain the dream of home ownership and should not be stopped by big corporations like Walmart and Synchrony.
Consumer complaint received 2017-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (FL)

On XX/XX/XXXX, after looking at my latest copies of my credit reports from all 3 credit bureaus, I found a 30-day late payment for XX/XX/XXXX on my XXXX XXXX XXXX car loan account. 

On XX/XX/XXXX, I wrote a letter ( copy attached ) to XXXX XXXX services and sent it to the following address : TOYOTA FINANCIAL SERVICES ATTN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX In that letter I informed XXXX of the following : On XX/XX/XXXX I made several attempts to make a payment online and the Toyota/XXXX payment system was down. Also around XX/XX/XXXX, I tried to setup automatic payments and was not able to do so. In addition to your online system being down during XXXX, I never received a single email, phone call, or letter from XXXX or Toyota notifying me that the payment was due. I asked XXXX to remove the XX/XX/XXXX late payment from the 3 consumer reporting agencies because I was not able to make the payment on time due to their system being down. 

On XX/XX/XXXX, XXXX XXXX Services responded with a generic letter ( copy attached ) saying that the information they have is correct and that they will continue to report it to the credit reporting agencies as-is. 

XXXX XXXX Services ' online system issues and lack of customer follow-up ( they did not contact me when the payment was late ) is not my fault and should NOT affect my credit report.
Consumer complaint received 2017-10-28
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Cottonwood Financial Ltd. (TX)

XXXX XXXX, XXXX and XXXX a XXXX XXXX called and left a voicemail stating they needed a formal statement from me to verify wages and liquid assets. 

XXXX XXXX, XXXX, and XXXX a XXXX XXXX called stating she was from the paralegal office of XXXX XXXX and is contacting me about some paperwork that has come to her for review. The paperwork is marked to be filed through XXXX XXXX XXXX XXXX. I need to contact her or they will have the notice delivered to my place of work or home. She also called my job and talked to my head of the HR department stating the same information to her about me.
Consumer complaint received 2017-10-28
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Integrated Recovery Services (TX)

XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX a XXXX XXXX called and left a voicemail stating they needed a formal statement from me to verify wages and liquid assets. 

XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX a XXXX XXXX called stating she was from the paralegal office of Integrated Services and is contacting me about some paperwork that has come to her for review. The paperwork is marked to be filed through XXXX XXXX XXXX XXXX. I need to contact her or they will have the notice delivered to my place of work or home. She also called my job and talked to my head of the HR department stating the same information to her about me.