davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-16
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: JPMORGAN CHASE & CO. (TX)

*see attached letter. 

I will summarize. but more detail in letter. I paid for services to conduct a survey to my clients ( 2 year deal ). The first survey and experience leading up to preparing the survey was a disaster as was the actual survey. I told the company I did not want to continue with the 2nd year because of the unprofessional experience I had with their team developing the survey and the terrible results I had with the survey. It actually hurt my business. The execs of XXXX said " let us look into this to see if what you are saying is accurate. We had a conference call and they agreed that their team did not provide services paid for. I said I do n't want a refund I just want to terminate. The execs came back with this ... We are sorry you had a bad experience and we would like to put our best team on your 2nd year  survey and we will not charge you for the year 2 fee. We thought long and hard and we decided not to take them up on the free offer because the first experience was so bad and hurt my company. XXXX then went ahead and charged my credit card for year 2 event though they said they would cancel and give me a free survey. The fact I turned that offer down made them mad and they charged me for year 2 and they did n't even provide services although I did n't want them. and went and charged credit card without my authorization. 

Not once has Chase Visa ever returned multiple calls we palaced to discuss this matter. They just send their form letters. I have attached communication with them. 

I paid {$5000.00} for a service the company agreed was not acceptable and I did not ask for a refund. I said I did not want the service for year 2 which they offered to give for free ... .and I turned it down and took my lumps and then they charge me for year 2 and I did not use. Chase Visa has done nothing to resolve this expect to charge me interest. Look at my payment history ... it is flawless. This company did not keep their word or perform the services and they agreed to that. Chase still continues to keep amount on my bill while adding fees. 

Sorry this was more than a summary but please read attached letter. Thank you!
Consumer complaint received 2017-11-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

Over the last 12 months I have made my payments on Select Portfolio Servicing 's website without any problems. 
I tried making my payment on XX/XX/XXXX and I got the following message One or more errors were found " Your request to process a payment can not be completed at this time. The account is ineligible for online payments. Please contact Customer Service at XXXX for additional information. '' I contacted Customer Service and the agent informed me that my account was on a short sale program. We have not requested any workout or short sale program and was totally taken aback by her statement. The agent proceeded to inform me that as a result of the short sale set up I could not make a payment on the account. This change of status of our account was not requested and is inaccurate. The agent said on XX/XX/XXXX that she would cancel the program and I would have access to make a payment on XX/XX/XXXX. I called back and the account is still blocked and the agent said they ca n't even process a payment for me either and I will be assessed a late fee. SPS servicing practices are extremely unfair and deceptive because I get different answers every time I call about an issue. Case in point, we had requested a partial lien release to facilitate a road expansion project by XXXX County which took seven months to resolve and took the escalation to the Ombudsman department to get an answer or a call back. Please assist to resolve this error and mistreatment by SPS.  We had the same horrible experience when we tried to modify the account about five years ago.
Consumer complaint received 2017-11-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (VA)

On or about XX/XX/XXXX, the servicer for collection of my mortgage payment with XXXX XXXX XXXX was changed from XXXX XXXX to LoanCare. On XX/XX/XXXX, I submitted a request that they take the payment from my checking account automatically ( as it had been with XXXX ). By XX/XX/XXXX, the payment had not been taken out of my account, so I contacted them, as I had also received a bill for my property taxes and was not sure that they were going to pay it. They said that they had not received the authorization in enough time to take out the payment and that the automatic payments would not begin until XX/XX/XXXX. On XX/XX/XXXX, I went into their payment by phone option and made a payment. They took out the payment by phone and the automatic transaction - taking out 2 payments. This put my checking account at - {$840.00} - I contacted them and they hung up on me ( I admit I was very distraught that they had done this to my account as I had other transactions that were going to be hitting as well ). My bank charged me {$36.00} for overdraft feel. My employer advanced me {$1000.00} to cover the amounts that were scheduled to come out of my account. On XX/XX/XXXX, I  emailed a letter IMMEDIATELY REVOKING their authorization to take the money from my account. On XX/XX/XXXX, they withdrew {$950.00} for the mortgage payment. I had written a check to my employer repaying the {$1000.00} loan from XX/XX/XXXX. I have been hung up on so I can not bring myself to contact them. I request that the unauthorized XX/XX/XXXX payment be refunded to my checking account. I also request that they repay me the {$36.00} overdraft fee that I was charged by my bank. I am a single income homeowner and have to be very careful with my finances and this has brought me to the point that I am having panic attacks. I am also unable to properly function at my job.
Consumer complaint received 2017-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

The credit card is with Capital One and I filed a complaint against them last month for charging me interest when I pay all last statement balances to avoid the interest charge. It turns out they do not have automatic settings in place to move cutoff dates to next business day when the cutoff falls on a weekend or holiday as stated in the Credit Card Act of XXXX. I made a payment on XX/XX/XXXX before end of day when my cutoff was on the XXXX of XXXX, XX/XX/XXXXand started this whole mess. 

I explained this whole situation to XXXX XXXX and he did refund all 3 interest charges that were applied. He sent the attached letter dated XX/XX/XXXX to me which you also have on file. 
He did not do me a courtesy but corrected an error which should be corrected by Capital One nation wide. My billing cycle ends on the XXXX but I selected the XXXX as my payment date to assure my payments are on time. 

So today, XX/XX/XXXX, I tried to reach out to him by asking to be transferred to him so I could explain that I was charged interest again {$23.00} even after paying the full amount of the last statement balance {$1100.00} and on time on XXXX at XXXX. Which seems to point to the fact that they have not turned off the automatic interest charges as I was inform they would to avoid being automatically charged interest fees every month. 

I gave XXXX 's extension number he provided in the letter, but I got the run around from the customer service representative who informed me she was unable to transfer my call, I could not get a call back from XXXX XXXX, and agents were not available?
Consumer complaint received 2017-11-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/XXXX, I discovered my XXXX rent check for {$1100.00} had been fraudulently cashed into a Capital One Bank Account, other than my leasing company. Upon realizing this I immediately reached out to my bank ( XXXX XXXX XXXX XXXX ) to initiate a Check Fraud Claim. 

On XX/XX/XXXX, I received a Fraud Statement Claim that required both myself and my apartment leasing company to fill out and acknowledge that they were not in receipt of the check. I immediately sent this back to XXXX XXXX XXXX XXXX and was told upon receipt and processing my claim would kick off ( this occurred around XX/XX/XXXX ). 

For the next 4 months, I continued to reach out and request updates on the claim, until I was essentially told to " wait and see '' by the fraud team. Eventually, I was told that if I had n't heard anything by around XXXX XXXX to call back as this would have been the 126th day of the claim and would move into a new process if they could not reclaim the funds from Capital One. At that point, I was told that " systemically the case would close '' as it had reached its 126th day, but that they would still be working to recover the funds. I expressed concern that it would be showing as closed and was fearful that it would then fall through the cracks. 

Since XXXX XXXX, I have been requesting call-backs and information from XXXX XXXX on the status and have not received any information via mail only after several calls to request a call-back. Eventually on XX/XX/XXXX, I went into a XXXX  XXXX XXXX XXXX location to speak to a Client Services Representative, she was able to look into the check and reach out to a contact at Capital One who confirmed that the check had in-fact been deposited into an account other than the one listed on the Check. Upon receiving this information, she informed me she would share with the XXXX XXXX XXXX XXXX Fraud Office to help resolve the claim. 

Since then, I have consistently reached out for updates on the claim - leading up to today, XX/XX/XXXX, when for the first time someone at XXXX XXXX XXXX told me they had officially stopped trying to recover the funds and there was nothing else they could do since Capital One did not respond to the inquiries.
Consumer complaint received 2017-11-16
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: EQUIFAX, INC. (FL)

Re : Inaccurate Accounts & Inquiries your companies are reporting on my credit report. I am leaning towards filing a law suit and a police report against your companies Equifax, XXXX , & XXXX. These companies has violated several laws within The Fair Credit Act. I have attached the appropriate letters below. I am not a credit repair company. 
Remove the inaccurate accounts and send me a new copy of my credit report with the inaccurate accounts and inquiries removed. 
The following inquiries were not authorized by me, please delete them. I have never given my permission for any company to inquire about my credit status any inquiries made or unauthorized. The presence of these inquiries on my credit report constitutes inaccurate information which under The Fair Credit Reporting Act must be removed. The companies are listed in the letter below. Once your investigation is complete, please send me an updated copy of my credit report. I would appreciate the name, address, and phone number of the companies who inquired about my credit so that i may follow up. I have received a letter claiming that i owe debt to the companies listed in the letter below. Since this is an error and the accounts are listed inaccurately by your companies, I request that you send me the following proof that you are obligated to do in accordance with The Debt Collection Practices Act section 1692 ( g ) A. The original Application or contract. B. Any and all statements allegedly related to this debt. C. Any and all signed receipts. D. Any and all cancelled checks. Under the law you have 30 days to supply this proof, in addition do not contact me again by phone. From now on we will communicate through mail. 

Sincerely XXXX XXXX
Consumer complaint received 2017-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I had fraud way back and the bank is giving me a hard time using debiting my account and well as wiring funds its has caused me lot of embarrassment in. public and most of all cost me a lot of business deals I travel. a lot out of the country and I want all my accounts closed with bank of america as they are known for this kin d of abuse as well as treatment. especially since I have over XXXX XXXX run there bank they are rude crude on the phone and in person they are mad that they have good client that leaves big balances on deposit with them but make it hard someone with my status should get royal treatment and have good business banking relationship with personal banker but not with B of A I am being penalized for having to much in the bank I have emailed them as well as faxed them 9 times been to bank as well as had my power of attorney go to the bank there no fraud on the account what so ever they are mad that they paid me on some disputes I had not used the bank account for some time and now they are causing me more problems especially the fraud Department one day they clear it the next day its frozen one day it works one day I am told to come to a branch sit with manager call the fraud dept I answer all questions every time with flying colors still am penalized my time is valuable especially since I make {$6200.00} dollars a hours times 40 hours a week times 20 days a month thats about a million a month I make for this aggravation please help me asap I do not want to talk to them more do I want to ever step foot in bank of America period just cut me check send it to my address or wire it out to my other bank PLEASE FEEL FREE TO CONTACT ME WITH ANY QUESTIONS XXXX XXXX XXXX XXXX XXXX XXXX USERNAME XXXX password XXXX my accounts been locked up for 4 months XXXX XXXX XXXX XXXX XXXX XXXX I have over a million in each account plus I have a cd for XXXX XXXX I want a check mailed to my address on file asap and my accounts closed its been a bunch of XXXX and its costing me everything I am also filling a law suit as well.. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX
Consumer complaint received 2017-11-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Last XXXX XXXX, 2017, I wrote a letter to your company to request for debt validation documents to be sent to me pursuant to FDCPA. For some unknown reason, it has been more than 40 days since I sent you my request and I still have not received any lawful, valid validation documents. This is my last resort, have this issue fixed. I will not hesitate to get my legal counsel involved.
Consumer complaint received 2017-11-16
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. (MD)

On XX/XX/17, I received an alert that a new acccount was added to my TransUnion credit report. XXXX XXXX ( Acct # XXXX ) reported an account to the Transunion credit bureau. I have never heard nor received any notification ( letter, phone call, etc ) about this account from XXXX XXXX nor am I knowledgeable about this account. 
I want this account removed from my credit report immediately.
Consumer complaint received 2017-11-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (CA)

Calvary spv. I Llc mailed me a court judgment / entry default in the amount of XXXX. 

I do not perfect this and have never received any collection notices nor phone calls. 
I was never served with a complaint.
Consumer complaint received 2017-12-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XXXX XXXX XXXX  has sued me for a Bank of America credit card. I have told them that this was identity theft, and written detailed letters to them, and to the court. Since they persist, I told them of debt owed to me, in the amount of {$5000.00}, by XXXX XXXX. Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. XXXX address : 1XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX. After I was sued, I asked her for repayment. She came to XXXX and assaulted me, XXXX police report # XXXX. Then, she started paying me {$200.00} a month. I ask that XXXX have her pay them instead, and drop the lawsuit. If they insist on repayment of the full credit card amount, they should sue her on my behalf due to the assault. I am XXXX, and my primary source of income is Social Security XXXX payments. XXXX will not answer my calls or emails about this matter. Very strange that debt lawyers are the ones refusing calls.
Consumer complaint received 2017-11-16
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. (IL)

On the XXXX of XXXX I contacted the credit reporting company after reviewing my credit report. I noticed that there were various addresses on my report. I let the representative know that I had submitted a police report last XXXX in order to get several items removed from my credit as well as the various addresses removed. The representative continued to inform me that I was wrong about my information. The only address is the one I have had for years is this address. This is the address on my license. This is the address that my vehicle is registered to. This is the address my children leave home from school to and come back home to. This is the address my work and insurance documents come to. Please remove all addresses from my XXXX report that is not the address stated on my license.
Consumer complaint received 2017-11-16
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. (FL)

ON XXXX XXXX 2016 I NOTIFIED THE CREDIT BUREAUS AND FRAUDULENT ACCOUNT CREDITORS OF THE FRAUD. BOTH PARTIES ARE IN VIOLATIONS. 
1. 18 U.S.C. 1028 2. 18 U.S.C. 1029 3. 18 U.S.C. 1030 4. 18 U.S.C. 1341 5. 18 U.S.C. 1343 6. 18 U.S.C. 1344 I NEED THE CREDIT BUREAUS TO SHOW 100 % PROOF THAT THESE ACCOUNTS ARE MIND OR REMOVE THEM ASAP
Consumer complaint received 2017-11-16
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC. (OH)

XXXX XXXX XXXX / Navient I would like the following amounts Be removed from all 3 credit agencies immediately. I am in the process of buying a home and this is stopping me from obtaining credit. The original loan dates are XXXX XXXX 2011 in the amount of XXXX / XXXX XXXX 2011 in the amount of XXXX in which according to the SOL in Ohio is 6 years. I would like for this to be removed from my credit reports as soon as possible.
Consumer complaint received 2017-11-16
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: EQUIFAX, INC. (FL)

On XX/XX/XXXX, I contacted Equifax to disbute creditor of XXXX XXXX and was advised that I could n't request for item to be distributed as it came back verified in XXXX and XX/XX/XXXX. Original creditor was included in XXXX bankruptcy as well as is outside of the statue of limitations for the State of Florida. Creditor previously had item placed on credit file in XXXX. Now, creditor has sold the debt to a collection agency of XXXX XXXX XXXX and it negatively affecting my credit.
Consumer complaint received 2017-11-16
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: GREAT LAKES (PA)

On XX/XX/XXXX I have contacted all 3 credit companies and the XXXX XXXX XXXX about getting my student loans either completely off my credit report or partially off it. Reason being is because 2 are pass the statue of limitations. XX/XX/XXXX-XX/XX/XXXX. They said that they will fall off in 10years. Ive asked them why 10years when its suppose to be 7years for it to stay on your credit report. Because its still on my credit report I simply can not get a house loan. All Im trying to do is move into a house with my kids and no one will assist in removing my student loans. I understand that I still will owe on the debt that I dont have a problem with but I cant not acquire credit with the student loans being on my credit report. The credit companies tell me they cant dispute them off and the student loan company says the same thing. No luck getting any assistance with this.
Consumer complaint received 2016-10-26
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (MN)

On many occasions I have bee assessed multiple over draft fees. I will call on a payday Friday and something has been deducted from my account. I ask about the balance Friday night and by Monday if another item comes in Friday overnight and is close to my balance, they hold the deduction and charge me an overdraft fee. Then they will send the already deducted item through on Monday and charge me an NSF charge. I also placed holds on items and they have paid them anyway. I want the holds taken off and my money returned. This also caused my account to be over drawn.