davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-12
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Hopkins Financial Services, Inc. (ID)

i had a comnercial mortgage on my business i never missed a payment. the leander named hopkins financial has tried to say i missed 3 payments. there accounting practices are messed up i have proof of that. i never got a lettet saying that i had 30 to  bring it current. i gave them bank statements cancelled checks their receipt saying they recueved the payment and their atterony did n't care. they foreclosed on me i lost my property but they have done a wrongful forecloser and i am going to file a law suite against them like they have never seen.
Consumer complaint received 2017-09-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (GA)

I was ripped off owing more than the car was worth. I purchased a XXXX XXXX XXXX in which I was charged XXXX for the car financed through Chrysler capital. I was tricked when I signed everything I was told to come back in and resign another copy not showing that I was charged XXXX until after I got the receipt and notice later what they had did. This happened XXXX XXXX XXXX had went bankrupt I would have sent it back but I was promised I can get refinance with a better interest in much lower payments from the redemption center but was turned down because of the high equity.
Consumer complaint received 2017-09-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (MA)

I am having a serious problem with Citibank Universal Card. I had settled my debt with them through XXXX XXXX XXXX 5 years ago. They brought a civil case against me about it. I sent them proof that XXXX XXXX XXXX paid them but the case has not been dropped. So either they have my money or XXXX XXXX XXXX kept my money and lied to me. Either way I thought this was resolved 5 years ago and should not be brought to court over it. I have not worked in 15 years, have multiple medical problems, and am supported financially by my family so this is ridiculous and unfair. Citibank stated that they did not know of the settlement but is suppose to be looking into it now. I plan to review them anywhere possible due to this horrible treatment. 
This is a copy of the proof sent:  the email from XX/XX/XXXX from XXXX XXXX -----Original Message----- From: XXXX To: XXXX Sent: XX/XX/XXXX XXXX XXXX
Subject: Welcome to the Program

Hello XXXX,

I would like to confirm that we have received your signed consent and sent your settlement payment to AT&T Universal Card on your behalf.  This debt is now completely settled and we can move on to other debts that you may owe. 
As stated before thanks to our diligent work and your monthly deposits to your account with us we were able to settle with AT&T Universal Card for XXXX dollars. The payment was received by them on XX/XX/XXXX and this ends your debt with them. Congratulations and we will continue to settle with companies on your behalf.

We will continue to withdraw monthly debits of $XXXX every XXXX of each month for additional debts into our XXXX XXXX account that may need to be settled in the future. 
 
My email address is XXXX  My normal business hours are from XXXX to XXXX central time, so please feel free to contact me if you have any questions.  I look forward to working with you on other accounts!

Thank you!
 
Sincerely, 
XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX  XXXX are improperly reporting on XXXX experian and XXXX credit bureaus.XXXX ... ..WAS INSURED BY XXXX and was covered at time of service.XXXX ... ... was covered by XXXX XXXX ' XXXX XXXX policy ( my mother ) at time of service.I have enclosed the XXXX policy card and the verifications by experian and XXXX.these debts should not be on any credit file as they are insured and the result of error.
Consumer complaint received 2017-09-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

Hi there, I have the following issue with Coinbase : On XXXX XXXX ( more than a month ago! ) I initiated a withdrawal of XXXX euros from my Coinbase account to my XXXX bank account. The site indicated that the withdrawal had been initiated and the money will arrive to the bank account in the matter of few days. After a few day the withdrawal on their site was marked as 'Completed '. However, money did n't appear after 7 day, when I submitted a request to Coinbase, asking where is my money. No one got back to me. Over past few week I tried to reach them using different channels like XXXX, XXXX, but with no success. Please hep! 

Thanks, XXXX
Consumer complaint received 2017-09-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NY)

Payments have been made automatically for years without issue. 
Suddenly, now, the last payment they showing received is from XXXX 2017 putting my accounts 2 months behind. 
I have received many many calls and emails over the last year telling me my account was behind. 
Over the last year I have contacted the company 5 or 6 times. Each time I got a different story, ranging from " my account was confused with another person 's account of the same name '' to " because my bank sends the checks there is a delay with payment '' to " there is the wrong account number on my checks '' At this point my account shows that I am two months behind. I have sent the payments, and sent in proof of payments as well. 
When I contact the company ( or when my cosigner contacts the company ) they say that the payments are there, but just " have n't yet '' been applied to my account. 
This has gone on for weeks. I have been now contacted multiple times by a collections agency by phone and by mail. 
I am concerned it will start affecting my credit.
Consumer complaint received 2017-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

EQUIFAX 2017 SECURITY BREACH SERVICE AND COMMUNICATION PROBLEMS I am part of the Equifax 2017 recent problem where Equifax security was breached. I am having problems getting any action, information or response from the telephone numbers or help numbers that are associated with the debacle. 

The fax number is busy, there are no active Equifax numbers for actual customer support listed in the main web site. 

I want to secure an immediate credit freeze on all my accounts and I ca n't get any of the existing numbers, after excessive hold and wait times to respond. 

Due to the situation, there should have been mail notification to all those affected and automatic steps to secure the accounts. 

I am appalled at the complacent responses to this serious matter and ineffective communication that is being tolerated by the consumer protection agencies.
Consumer complaint received 2017-09-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC (MO)

My husband and I hire a company to help us to reduce legimate debt that we owe. We started with the company in XXXX XXXX XXXX ). We were ask to sent in bills that we were behind on. I sent a lot of bills to the company. I had no ideal that this particular bill was in the bunch I sent. This bill is XXXX back in XXXX. This bill is from a hospital stay of my husband 's. He was really sick. He is a XXXX and his hospital bills were paid by the XXXX XXXX because he was given a rating of 100 %. 100 % means XXXX XXXX is and was to pay the bill. I called the VA to verify if it had been paid, and my husband owes nothing. XXXX XXXX PAID IT IN FULL. The company collected {$560.00} from the company we hired. I became aware of this XXXX XXXX, XXXX. 

I called them the same day. Asked to speak to a supervisor. A man answered and I explain the situation and I ask for a full refund of my money. He said I was not going to get it back. He also ask me " Why did it take me so long to call. I said " that the timing is not a issue, the Bigger issue is " why is your company collecting on a bill that has already been paid. As of today I have n't heard or received any money from them. Can your company, please help me with getting a refund from this company? 

Thank You
Consumer complaint received 2017-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (IL)

On X/XX/17 when attempting to retrieve our American Express online statement and apply our rewards balance, the on line site stated that our account was locked, but we still would be able to use our card. A pop up came on the screen to contact them at XXXX which we did and they said we needed to reset our pin. We followed these procedures although we had no reason or explanation why it was necessary. We went back on the XXXX site and it said the account was still locked. We entered into in a lengthy chat session during which the person said that the number we called was to reset the pin and had nothing to do with the lock of the on line system. After repeated tries to get the person to understand that we did n't just randomly make up this phone number and that it was the number that popped up on their website when the locked message occurred, I gave up and said I would report it to the FCC ( confused it with FTC ). At this point, he wanted to get a supervisor involved, but I declined. I researched and found the CFPB is the correct agency ( I think! ). I logged back on and got on a new chat to ask if the CFPB was the right agency. After the initial person and supervisor REFUSED THREE TIMES to CONFIRM that the CFPB was the correct agency, I got off the chat. In my opinion, this is a more egregious issue than the initial issue. We now called back to the original number again and the person unlocked the account. Still have no idea why it was locked, but this whole sequence of blunders by XXXX started with the original person not unlocking the account. Their chat support people gave numerous other reasons all which proved false. However, the most serious issue was their refusal to three direct questions as to the appropriate governmental agency to contact.
Consumer complaint received 2017-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

First off, I would like to say I do n't every recalling Equifax ( or the other two credit report businesses ) my permission to obtain, retain, and use my information for profit. Secondly, Equifax was negligent is protecting my personal information from people wishing to steal my personal information for their own personal gain and to my detriment.
Equifax ' data breach has forever affected my life - has added unwanted daily worry and concern that the credit rating I have earned by being an outstanding borrower can be tarnished in mere moments anytime someone wants to use my personal information.
I did not ask for this. I did not sign up for this. Equifax allowed this to happen to me, as well as over 100+ million other individuals. They have made no offer to fix this and instead want you to sign up for some credit watching service - free for only 1 year!!!! The rest of my life is affected, and they offer 1 year only. This is shameful and insulting.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I found out recently that there was a problem with verifying my social security number when I wanted to cosign a XXXX loan for my child. I dealt with the XXXX XXXX XXXX without success. 

After further investigation, I found out that I was reported as being XXXX  on XXXX XXXX, XXXX. 

I am trying to figure out : 1 ) who or which funeral home or which entity reported me as being dead over 2 years ago and 2 ) how to rectify this since I am well alive so far. 

Please offer some assistance, guidance on how to handle this issue. Thank you.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (LA)

I found out about the Equifax system breach on XXXX/XXXX/XXXX and I immediately requested my consumer report from Equifax. A rep from Equifax informed me that my credit file was in fact heavily compromised with multiple new accounts overseas and that for my protection my file was " administratively '' frozen. The rep ( XXXX? ) further informed me that even though I verified my account verbally and submitted the requested photocopies of ID that Equifax will NEVER release my file as it was not just compromised, it was used fraudulently to destroy my credit. 

Furthermore, Equifax will not do anything with my consumer file. As soon as I verify my SSN on subsequent calls, i will be informed that my matter was resolved and hang up the phone.
Consumer complaint received 2017-09-13
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. (NY)

this two 1.Account Number XXXX Account Type Installment Loan this account 2.Account Number XXXXAccount Type Credit Card Terms Revolving with XXXX XXXX XXXX was paid and Closed as of XXXX/XXXX/XXXX both account 's
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: KEYCORP (ME)

The past XXXX of Key and the culture of his administration has relied on the motto XXXX XXXX XXXX. Key has increasingly externalized critical transactions such as transfers through anonymous call center personnel in other countries, where records have supposedly vanished and a bankruptcy of accountability prevails where and when expedient. 

Disputes over fees, misc. costs, fines, failure to transfer funds, etc. are deflected in a process where Key requires that these disputes be pursued with the Credit Bureaus and that it should be first processed through Key Bank. Obviously, these disputes are not with the Credit Bureau, which is of course only reporting Keys input. The dispute is with Key that uses Credit Bureau scoring as threats that can damage their clients borrowing ability, business line of credit, costs of insurance, etc. When these transactions such as money transfers through call centers in XXXX are contracted, it serves to externalize accountability of Key and masks their documentation of inbound calls, misinterpretation of client instructions and errors as simple as missing the submit button or forgetting to enter a transaction on their computer screen. 

When Keyss XXXX XXXX XXXX in Ohio is confronted with the details including identification of personnel making errors, the dismissive response is to bury the inquiry in XXXX pages of irrelevant white wash. 

If CFPD would like to make a difference, it would find a mother load in Keys exportation of liability to other countries to avoid accountability in Ours.
Consumer complaint received 2017-09-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Phoenix Recovery Group (TX)

XXXX 2017 I pulled a copy of my credit report and found a {$370.00} collections through Phoenix Recovery Group ( PRG ) for a debt through XXXX XXXX. I contacted the number on the credit report and was told that the debt was from a property I lived at. When asked, the PRG rep mentioned that he was unaware of what property or address. I requested validation of debt but did not get anything nor any phone calls regarding the debt. 
XXXX 2017 After no response from PRG I called several times and each time spoke with a PRG representative named XXXX. He assured me that he had a copy of the bill and persistent in requesting payment quickly. I again requested a copy of the bill and he would say that he would send to me. I left voicemail messages directly for XXXX with no call back. 
XXXX 2017 I called again and spoke with a PRG rep named XXXX who told me he saw XXXX notes and he did have a bill from XXXX XXXX XXXX and asked if I lived there. I told him I did but I never received any bills following my move. He explained that they were for a pet cleaning fee and utilities. I explained that I paid {$600.00} in pet fees to cover the cost and paid extra on my last month to cover the utilities and should not owe any debt but also did not get any bills. I then asked him what the total of the bill was and he said {$370.00}. I then asked him for specific charges. He mentioned the XXXX cleaning was {$150.00} and the utilities were {$50.00}. Before I could say anything else XXXX quickly added that he would work with me on the total. I again asked for a copy of the bill and that I would like to dispute with XXXX XXXX. XXXX days later I received a copy of a bill for {$200.00}. 
XXXX 2017 I contacted XXXX XXXX and left a voicemail message requesting a call back. I then received a letter from PRG with a copy of my lease stating that they deleted the interest and reduced the total amount owed. 

XXXX 2017 I called again and the phone continuously rang without an answer therefore. I went to the website of XXXX XXXX and sent a request for validation through the site email. I did not receive a call or email back, therefore I mailed a certified letter to Drought properties with a copy to XXXX XXXX XXXX requesting validation. I also called and spoke with XXXX at XXXX XXXX on a recorded line and was informed that the pet fees cover the cost of any damages and pet treatment, however is non-refundable. 
XXXX 2017 I received a letter signed by XXXX XXXX ( XXXX XXXX  of XXXX XXXX ) stating that they are unable to find me in their system and requesting my move in and move out dates.
Consumer complaint received 2017-09-13
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: EQUIFAX, INC. (SC)

on my credit report the same debt is shown twice, XXXX XXXX bank and XXXX XXXX XXXX shows the same debt, there for my credit score is being hit twice for the same debt, Equifax dispute system only has boxes for me to check to dispute a issue, this is not XXXX of those areas they allow a dispute, and they do not allow any me to add a written dispute about this with them, please help me correct my credit report XXXX XXXX had such a written system and removed XXXX XXXX bank the same day as i sent the dispute
Consumer complaint received 2017-09-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (CA)

MACYS XXXX : XXXX I am writing to request that the accounts in collection placed on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ), This is not a request for validation. 
The information in this ID Theft Report is Clearly LEGIBLE. I am a victim of ID Theft a Government agency has confirmed this fact. I did not receive any benefit from these accounts. There is no need to request for further identification MACYS is again violating the Fair Credit Reporting Act they claim to verified these accounts yet have not sent Any Verifiable proof.
Consumer complaint received 2017-12-11
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: American Credit Financial (FL)

Below is the transcript of a voicemail received on XX/XX/2017 : You 've got a new voicemail from Unknown Caller. Transcript : This message is intended for XXXX XXXX this message tended for XXXX XXXX. My name is XXXX XXXX. I 'm with the XXXX XXXX XXXX calling to inform you that I received a very important documentation my office today under your name is social security number ending in XXXX. I 'm calling to inform you that you have a pending civil claim that 's being filed to get you. I understand if you 're not sure what 's going on also provide a member for you. This is the number of the filing party me questions or concerns that number is XXXX again. That is XXXX and when you call please refer to claim number XXXX please verify the schedule service, unless. I hear differently pro p bus to take you to get you have to excuse me. Have a good day and good luck. 

I called the number. The person answering identified the company as American Credit Financial and I was told that unless I paid $ XXXX That there would be served with a felony intent to defraud action and be arrested for failure to repay a payday loan. 

I informed the debt collector that I had filed Chapter XXXX shortly after incurring the debt. She responded that it did n't matter, I either paid it or I would be served and arrested. 

I asked for their mailing address so that I could send them the bankruptcy documents, and she said they do n't give out their mailing address.