davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AES/PHEAA (SC)

XXXX XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Consumer complaint received 2018-09-18
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 (NY)

I called in, on XX/XX/XXXX to see if Im eligible for the pay over time feature. I was not but the representative I spoke with advised that if I upgrade my class American Express gold card to and premier American Express that Ill have it automatically. The premier gold cost more as well. I have tried for them to help me but they wont. They have the call recorded where she lies to me to have me upgrade.
Consumer complaint received 2018-04-26
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 (NC)

In XX/XX/XXXX I purchased a full year digital subscription to XXXX  for the sum of {$360.00}. While I only used it for a few days, I did not dispute my purchase, which was made freely and with full knowledge of the no refund policy. 

In XX/XX/XXXX I attempted to cancel the subscription to ensure I was not charged for a second year. However, I was unable to log into my account while trying to navigate their web page for details, and was unable to contact anyone in customer support via phone, as they do not provide a customer support number or easy way to cancel online. 

This came across as both deceptive and deliberative on the part of the merchant. Being confident in American Express, the credit card I used to charge the purchase, I did not worry too much about getting another charge that wasnt easily contestable. 

In XX/XX/XXXX, I was in fact charged a {$360.00} renewal fee. Upon noticing it on my card a few days later, I disputed the charge with the credit card company. I explained the above info to the customer service agent and submitted the claim, which was denied. I disputed the denial and have been asked, again, to provide documentation of my dispute. I sent the note below, which read in part ... 

" ... It is difficult and deliberately burdensome to contact a representative from merchant to cancel a renewal subscription which I feel is designed to trap you into an unwanted and unused future purchase. I was never notified of a pending renewal by merchant for a large upcoming transaction of {$360.00}, even though they had all of my contact information email and phone number, which I feel was a deliberate attempt to be deceptive and engage in gotcha tactics. It has been nearly a year since I used them in any capacity and certainly not at all since they renewed my subscription in what they deceptively describe as my convenience. A brief internet search demonstrates that this is a major concern for customers of this merchant and others feel equally deceived. 
In light of these four facts, it is my belief that while their actions may not have been illegal, they were certainly deceptive and unethical. Those two reasons should prompt American Express to side with the consumer instead of the merchant, and honor a refund of my unsolicited purchase. 

American Express originally refunded my charge based on my note, but later reversed the decision, again, in favor of XXXX
Consumer complaint received 2018-02-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (FL)

At XX/XX/2017, I switched insurance carriers from XXXX to XXXX on both of my cars. For some reason, XXXX kept charging me even though I was no longer with them. I recently discovered that XXXX XXXX has been reporting the debt as a collection on my credit reports, but there shouldn't be any debt to collect on. I have tried to dispute it to them ( CCS ) informing them that I was no longer insured with XXXX and shouldn't have been charged, but they just verified it as accurate and kept it on my credit reports.
Consumer complaint received 2018-02-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Back to back phone calls - I have repeatedly asked them to stop calling me. I receive about 10 calls per day from Kohls Department Store. I do not owe the entire amount in question. They are rude and aggressive, and call from hundreds of different phone numbers. This type of constant harassment should be illegal.
Consumer complaint received 2018-02-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (IL)

I was unaware that someone open a XXXX account in my named until I received a notice of me owing {$1100.00}. I called XXXX to report identity theft and explained the situation. XXXX from XXXX told me he would handle it and that someone will be calling me. No one ever called me or contacted me regarding this matter. 
Today I received a collection notice form AMSHER Collections Services for the Amount of XXXX XXXX
Consumer complaint received 2018-02-27
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Williams & Fudge, Inc (KY)

A person identifying themselves as " XXXX '' called my place of employment 8 times in one day trying to get in contact with me on XX/XX/XXXX. My administrative staff believed it to be some sort of emergency because of the repeated calls. When I returned to my desk, I called the number that was left. " XXXX '' identified himself as someone working for Williams and Fudge who was looking for who they had reason to believe was my spouse about a " business matter. '' I told him that I do not know who he is and I will not confirm that the person he is looking for is my spouse, again because I do not know who he is. I told him that he is not to contact me again in attempts to contact someone else. I told him explicitly that he does not have my permission to contact me at work looking for someone else. I repeated myself that he can not call me at work and asked him if he understood. He said that he did. 

Today, XX/XX/XXXX ; a man identifying himself as " XXXX '' from Williams and Fudge called me at my place of employment saying that he had to " talk to me about a business matter with my spouse. '' I recognized the name of Williams and Fudge again and said that I spoke with someone from there weeks ago that they do not have my permission to call me at work looking for someone else. I repeated myself and told him not to ever call me at work looking for someone else. I then hung up. 

I believe they are harassing me. Calling constantly and ignoring my demands that they not contact me at work when they are trying to actually contact someone else. I refuse to confirm with them whether the person they are looking for is my spouse because again I do not know who they are or for what purpose they are trying to contact this other person. Regardless, they have been told multiple times that they do not have permission to call me at my place of employment.
Consumer complaint received 2018-02-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PENTAGON FEDERAL CREDIT UNION (NJ)

I have a primary mortgage loan and a fixed rate home equity loan with Pentagon Federal Credit Union ( PFCU ). I pay each by allowing them to debit my checking account monthly thereby I am never late. My primary Mortgage loan is perfect and they credit my payment and additional principal monthly as they should. On my fixed home equity loan, for several months I was adding additional principal to my monthly payment, however PFCU would simply withold the additional principal and never applied it to my loan. Instead they began to move my payment due dates back.. I phoned them on 4 occasions to correct this discrepancy and even discontinued the additional principal payments since PFCU was just holding it for months and never crediting it to my account. I have asked ( most recently on XX/XX/18, that PFCU either apply the additional principal I have paid to my loan nor refund to my PFCU savings ( share account ) immediately. In addition since the time is measured in years I feel they should pay me the appropriate interest on the money they are with holding. The people at PFCU are always polite and try to be helpful but they seem grossly incompetent in investigating and resolving a consumer complaint. I am a XXXX veteran and quite frankly I am tired of dealing with them. Please help.
Consumer complaint received 2018-02-27
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (IL)

LOAN  #  XXXX   LOAN  MODIFICATION WITH  OCWEN  

ON  XX/XX/XXXX  WE  REQUEST  A  BASIC  LOAN  MODIFICATION  FROM  OCWEN  LOAN SERVICING  www.ocwen.com  TOLL  FREE  XXXX   AFTER  6  MONTHS  WAITING  THEY  OFFER THE  NEW  PAYMENT  PLAN  BUT  THEY CHARGE  US  OVER  USD  9000  AD  TO  THE  PRINCIPAL  WITH  OUT  ANY  INFORMATION  OR COST  DETAIL    MY  HUSBAND XXXX XXXX  NEVER  AGREE WITH  THE  USD  XXXX BUT  TO  AVOID  MORE  CREDIT DAMAGE AND DELATE  THE  PAYMENT WE  SIGN A  TEMPORARY  AGREEMENT WITH OUT A  LAW FIRM  AND  WITH  OUT  NOTARY  - ON  XX/XX/XXXX  OCWEN  SUPPOST  TO  GIVE  THE  INFORMATION AND  AFTER  2  MONTHS WAITING  STILL  WE  DO NOT  HAVE ANY INFORMATION    ALSO  EVERY  MONTH  THE CHARGE  US  USD XXXX  ESCROW  FOR  XX/XX/XXXX .  
ALSO  OCWEN  REFUSE  TO  PROVIDE  THE  XX/XX/XXXX PAYMENT  REPORT  FROM  US    WE  DO  NOT  KNOW  HOW  MUCH  WE  PAY FOR  PRINCIPAL  YET    . OUR  LOAN  BALANCE  ON XX/XX/XXXX  WAS  USD  XXXX  AND  NOW  IS  OVER  USD XXXX
Consumer complaint received 2018-04-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Healthcare Collections-I, LLC (AZ)

ON XX/XX/XXXX I submitted a complaint with the CFPB reference Healthcare Collections-I , LLC. Healthcare Collections-I llc is currently listing an account on credit report in the amount of XXXX dollars. They alleged in the response to have sent me a validation letter mailed to me on XX/XX/XXXX. This letter was never received by me. I contacted the original medical provider and who confirmed with me that I no longer have an outstanding balance on there books. The last service I received from them was on XX/XX/XXXX which is over four years ago. I request that Healthcare Collections-I , LLC provide me with the following response through this portal and mail. Being that is debt they are attempting to collect is a medical one, a signed HIPAA letter by me authorizing the release of my medical records to them. Information related to the transfer of account from the original creditor to them, such as time, date, amount Healthcare Collections-I , LLC bought or sold my account for. I am currently working with a XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and requested the above issues addressed. I have also filed a complaint with the Arizona  Attorney General 's consumer complaint unit. 

Thank you.
Consumer complaint received 2018-04-26
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. (KS)

XXXX reported to all 3 credit bureaus, that I was late 30 days in XXXX and 60 days late in XXXX both in XXXX. When I contacted XXXX they said those payments were returned due to ISF. I maied and emailed them copies of my bank statement proving I was not late and that my bank processed my payments. This was done in XXXX XXXX. I also mailed copies of my bank statements to all three credit bureaus, and yet XXXX electronically verified that their reporting was accurate and the late payments are renaing on all credit reports I tried contacting all three reporting agencies and was told that even with proof if my bank statements it was up to XXXX to correct it, and they refuse.
Consumer complaint received 2018-02-27
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. (CO)

I had two XXXX XXXX accounts that are being incorrectly reported to the credit bureaus. After having a difficult time with paying my debt and ultimately nearly going into default I contacted the company who agreed to accept a settlement on the accounts. They agreed to remove the information from my credit report upon payment of the account. I settled the account with XXXX XXXX, however they did not follow through with the removal from my account as promised. Please remove these accounts from my report. Regards
Consumer complaint received 2018-09-18
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. (TX)

XXXX XXXX XXXX XXXX ACCOUNT # XXXX I have been completely ignored by these companies when it pertains to my rights as a consumer so concerning my credit so I decided to file ANOTHER COMPLAINT to provide that my rights are being violated. I am no longer able to file disputes on their websites so I have to send all of my disputes in to XXXX, XXXX and TransUnion. This account as been disputed mulitple times for inaccuracies and ALL 3 BUREAUS HAVE MULTIPLE -INFORMATION THAT IS INACCURATE AND UNVERIFIED. Yet they have all said that in previous disputes where I have certified reciepts that this was verified as accurate. Did they all contact different companies? 
-DOFD IS NOT CORRECT. 
NO HIGH BALANCE OR INACCURATE AMOUNT XXXX EVEN HAS A MONTHLY PAYMENT REPORTING ON AN ACCOUNT THEY ARE REPORTING IS SOLD TO ANOTHER PARTY. 
LAST PAYMENT RECEIVED IS ALSO INCORRECT.
Consumer complaint received 2018-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (CA)

Citi /AAdvantage Gold World Elite Credit Cardmember in excellent standing since 2003.

Interest rate on this card had always had been 11.25 %. 

I stopped paper statements more than year ago. On auto payments - therefore, i don't login to Citi website often. 

I've recently become aware of an increase to my interest rate of 1.5 %, from 11.24 to 12.49 %. 

On an {$18000.00} to {$19000.00} balance ( when increase occurred balance was higher than $ 17k currently ), this was a substantial rise in interest allocation To the Bank and not the consumer principal portion of my monthly payments I feel this is an abuse of CFPB Consumer Advert Law, as I was of the understanding, that Citi was to provide/reward their best paying long standing customers, those who always pay on-time, such as myself, by Lowering the Rate - and certainly Not Raising it. 

Fed raising the prime a half percent last year has nothing to do with deceptive practices with promise of lowered rates for customers paying on time consistently over time ... ..which i have done. 


I would now request that Citi Card Re-imburse my account all of the interest and fees over-charged from this higher interest rate discrepancy. 

From what I was made to understood, I should've been entitled to a Lower Rate, because Citi Rewards their Best Customers who've Never missed their monthly payment. 

I've been over-charged in fees and rate, and request Citi to credit all months my account was over-charged for this Higher Rate also factoring in the Lower than  11.24 % rate that I had Expected to receive. 

I would like the over charges to be applied back to my Principal Outstanding Balance. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-02-27
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. (NV)

I have noticed in the past that there were ( 2 ) small student loans ( dated Open : XX/XX/XXXX ) appearing on my credit files and immediately disputed them with each of the credit bureaus.I have not gotten any " validation '' from the bureaus concerning these loans which I never received or signed for at any time. 
XXXX XXXX XXXX DOB : XX/XX/XXXX SSN : XXXX Previous CFPB Dispute # XXXX
Consumer complaint received 2018-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CO)

I had XXXX Chase XXXX accounts that are being incorrectly reported to the credit bureaus. After having a difficult time with paying my debt and ultimately nearly going into default I contacted the company who agreed to accept a settlement on the accounts. They agreed to remove the information from my credit report upon payment of the account. I settled the account with Chase XXXX, however they did not follow through with the removal from my account as promised. Please remove these accounts from my report. Regards
Consumer complaint received 2018-02-27
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: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

The XXXX XXXX company has placed a high risk alert under my name and social in which I cant open a bank account anywhere. In late XX/XX/2015, my bank was compromised by my ex husband and fraudulent activities were done against my account. I notified Bank of America about the account being compromised when several thousands of forged money orders were deposited into ATMs for direct cash back. I didnt know that my ex husband was a party to this therefore the bank decided to contact this consumer reporting company which has blocked my banking privileges for 10 years. I believe this company is violating the fcra and other laws in the state of Washington whereas I reside. To be banned to open a banking account constitutes a felony charge of fraud in which I havent committed a crime nor have authorities pursued any charges to justify why this ban to open a checking and savings account. I will also forward my complaint to the state attorneys general office in Washington that this company is violating my rights.
Consumer complaint received 2018-02-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (CA)

Please do what is right! What is correct and honest! If I have to pay something I will do it. ( This is not a valid bill ). But this is a fraud! I'm very honest person, serving at XXXX XXXX. Please help me! This company : XXXX XXXX trying to get money from people. 2 years ago I had a serious problem with this fraudulent company. And I didn't report them. Now I have to! They reported a false collection to XXXX. Why false? Because they don't have enough proof. They don't have details, or an explanation showing step by step where the bill came from ... Here 's the information : Original Creditor Name : XXXX XXXX ; AMOUNT {$150.00}. I had no idea! I didn't know anything about that. I contacted them, they sent me a fake bill that anyone could make it very easily using XXXX or any XXXX App.. I also had to contact XXXX and you know what? They didn't have any details of where that {$150.00} came from ... After fighting with CONVERGENT and talking with many people they removed that false collection from my Credit Report. ( On XX/XX/XXXX ). On ( XX/XX/XXXX ). I saw on my credit report the same collection again that it was removed from my Credit Report 2 years ago! How was possible? If the collection was removed 2 years ago? I felt so bad ... Do I have to call the police or what can I do? I don't know if it's a joke or what? ( IF THE COLLECTION WAS VALID, IT MUST BE ON MY CREDIT REPORT FROM XX/XX/XXXX ... BUT IF THEY RECOGNIZED AS AN INVALID COLLECTION AND IT WAS REMOVED FROM MY CREDIT REPORT IS BECAUSE IT WAS AND INVALID, FALSE COLLECTION CONSIDERED AS A FRAUD BY XXXX ). And I also asked to this fraudulent company ( XXXX XXXX ) today XX/XX/XXXX Why they are not doing what the law required? They must send me a letter, notice and give me 30 or 60 days to respond to your letter, but they DIDN'T SEND ME ANYTHING ... I also request them a bill, but not a fake bill created by them, but a real bill with details, and they refused. They didn't have an answer when I asked them why they are against t law ...
Consumer complaint received 2018-02-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Recovery Services, Inc. (GA)

I am tired of being threatened by these dishonest, and deceitful collection company. They keep calling me and sending information stating they have sold my accounts. I do not have an account with these companies. Please help! They have the wrong XXXX. XXXX XXXX. Please help me. I am a Veteran, and XXXX XXXX XXXX XXXX. They have caused me to be disqualified on my V. A. Loan that I rightly deserve please help.
Consumer complaint received 2018-02-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (IL)

I am currently behind in my mortgage payments with PHH Mortgage. I live in Illinois and am currently sending my payments to PHH mortgage XXXX XXXX in XXXX, IL. Ive had problems in the past with PHH not posting the payments in the timely manner they receive them. Ive been shipping the mortgage pay via USPS priority two day mail. Ive made two previous complaints through this organization in the past. I recently mailed my mortgage payment to PHH on XX/XX/XXXX USPS priority mail. My tracking shows the XXXX XXXX. XX/XX/XXXX received the payment on XX/XX/XXXX at. XXXX. It is currently XX/XX/XXXX and PHH has yet to post the payment within a 24 hour time frame as they claim to do so with all payments they receive. My concern is this payment will not post within the legal time frame set by the state of Illinois. I did send an email to customer service alerting them that the payment was sent and received according to my documentation. My loan number is XXXX. A copy of the USPS receipt and tracking was emailed to PHH.
Consumer complaint received 2018-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Good morning, I have three accounts with Capital One and I HONESTLY, I forgot about the payment which was due on the XX/XX/XXXX. I put ALL bills on my calendar with alerts and somehow this payment fell off of my calendar. This is not a regular practice for me and I wanted the fees waived ( late fee/interest ), they were able to waive the late fee, however, they REFUSED to remove the interest charges of {$43.00} as a one time  courtesy. I know this is something they are able to do and I would like a one time courtesy and have this charge removed. 

The representatives were not very helpful and I've had better customer service at XXXX. Every response is not very clear and the supervisors they pretend to transfer you to are not really supervisors. I use to work in a customer center and I know the game. 

Thank you in advance for your assistance