davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EDvantage LLC (FL)

I attended XXXX XXXX XXXX XXXX XXXX XXXX XXXX and filed student loans via FAFSA. While meeting with my financial adviser we went through all the steps necessary to receive federal student aid for my education at that school. This was back in XX/XX/XXXX, it was n't until XX/XX/XXXX that I was contacted by Tution Options to process a payment of {$230.00} to help pay off my student loan. At that time she also mentioned that I should go on a payment plan of about {$50.00} a month. According to XXXX XXXX, the account manager at the time. This monthly payment was to help keep my loan paid and in good standing and for a while I believed it. I even got a letter in the mail saying that my loan has been paid. What luck! Finally, free from the burden of being in debt! Excellent! Time to get my life moving forward again. It was n't until i got an email from XXXX saying that I required to make a payment. What is this? How can I possibly have a balance on my account, I just received a notification saying that it was already paid off. In fact I got a letter and an email that says so. So in my dismay and confusion I called XXXX, they were super helpful and very kind in helping me with all my questions about my account. She even shared how much of it I still owe. Which is all of it. I mean all of it. All the monthly payments I 've been making through Tution Options had been for nothing. When asked if there were any payments made on that account she kindly replied that I have n't for quite some time and that my account is not in good standing. So naturally I asked if she 's ever heard of Tuition Options, she replied that she did not and immediately recommend that I speak with someone at the CFPB. I hung up the phone and immediately made the call. I was greeted by XXXX who was really helpful in identifying my issue and wanted to start a claim immediately. I told him I could do it on the phone but I did not have the supporting documents with me at the time.
Consumer complaint received 2018-01-24
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. (NC)

I applied for a credit card in XX/XX/XXXX in which it approved the following month I had no score because I was new to the credit system. upon checking my credit report I saw that they were there were hard inquiries that I did not make on my report from XX/XX/XXXX. I reaching out to the credit bureau to have it removed but I was unsuccessful, I also tried to reach out with the companies that I saw the hard inquiries were coming from and I was also unsuccessful. 
By the middle of summer when I check my report to see if there were any changes made to report, I found more hard inquiries from financial institutions that I did not place a hard inquiry with. Not only did they place this once or twice on my report but more. I wrote letters to these intuitions but got no response. I placed a security freeze on my account because of the problem and I could not get any resolution to the problems that I was having, but come to see with the security freeze on all my accounts with all the credit bureaus I was surprised when I saw that I am still getting hard inquiries on my Equifax report. 
On my Equifax report these are the inquires for service that I did not request : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX
Consumer complaint received 2018-01-24
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (FL)

My American Express Bluebird card had prepaid balance of XXXX. I asked them to transfer the money to my bank account on XX/XX/XXXX. As of XX/XX/XXXX, they have still have not transferred the funds. I have done this in the past and it usually takes 1 or 2 days. I have made numerous calls to customer service, only to be told they are having technical issues and it will be resolved tomorrow. As of XX/XX/XXXX I was told it would be the XX/XX/XXXX at the earliest. I asked them if they would just credit the money back to the card to be told they can not do that. Finally I asked to be sent to customer service in the United States, they told me they can not do that and then put me on hold to be left there for 2 hours with no one answering the call. I then called back to a different customer service rep to go through the whole situation again.
Consumer complaint received 2018-01-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Perfection Collection (CA)

I went to purchase a trailer in XXXX of 2018 and this debt popped up on my XXXX credit report, so I called and disputed it. I have never heard of this company I have never received a letter or phone call in the year and 4 months it has been open. I XXXX the company and reached out to perfection collection based out of Utah and told them this was n't my debt and It was fraud the guy continued to tell me this is what everyone says, I told him I am not paying the debt and wanted proof how I was tied to this debt, he gave me nothing but some random name and a signature and an address I have never lived at. He was a XXXX and I eventually hung up, I made a claim with XXXX recently and they said my debt is active with again nothing in writing and no proof of this company ever reaching out to me to try and resolve this misunderstanding.
Consumer complaint received 2018-01-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Van Ru Credit Corporation (AL)

i WAS CONTACTED 6 MONTHS AGO BY VAN RU CREDIT CORP TO COLLECT ON A DEFAULTED STUDENT LOAN THROUGH XXXX XXXX. VAN RU HAD STARTED GARNISHING MY CHECK AND TOLD ME THAT IF I PAID XXXX A MONTH FOR 5 MONTHS THEY WOULD SUSPEND THE GARNISHMENT. i FULFILLED MY END OF THE AGREEMENT AND THEY ARE STILL GARNISHING MY WAGES. i HAVE CALLE DAND SPOKEN WITH REPS AND TWO SUPERVISORS ABOUT THE SITUATION. tHE FIRST TIME I WAS TOLD THAT IT TAKES 7-10 BUSINESS DAYS. i WAITED THE 7-10 BUSINESS DAYS AND CALLED BACK THEN I WAS TOLD THAT THEY HAD TO TALK TO XXXX XXXX IN ORDER TO SUSPEND THE GARNISHMENT. i WAITED ANOTHER WEEK ONLT TO BE TOLD THIS TIME THAT XXXX XXXX HAD NOT RESPONDED TO EMAILS. i CALLED BACK 3 DAYS LATER AND WAS TOLD THE SAME THING. MEANWHILE THEY ARE STILL GARNISHING MY CHECK.
Consumer complaint received 2018-03-09
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I am a victim of identity theft. Since XX/XX/2015 two cards were opened at XXXX. A XXXX XXXX, and a XXXX XXXX XXXX. To add to this, a Total Checking account and Savings accounts were also opened Fraudulently. I have learned recently that these accounts were closed. A few months ago I attempted to open a checking account at XXXX XXXX. Only to learn that my Online Access had been flagged for Fraud, which I changed my password. I was then told I cant open an account as past accounts were closed. I was shocked to learn these accounts were opened in my name as I never opened any of these. My email addresses were also hacked. Which I have also corrected now. When contacting chase about this matter they refuse to assist me. As a victim of identity theft this is a crisis. I want it resolved.
Consumer complaint received 2018-03-09
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FIFTH THIRD FINANCIAL CORPORATION (MA)

I purchased total loss protection for a used XXXX XXXX XX/XX/2012 through XXXX XXXX of XXXX. I was told when the car was totaled in an accident that I was over charged the value of the car and the GAP insurance would not cover XXXX dollars. I payed XXXX of this XXXX not knowing that the Gap insurance should have cover all of the Total loss of the vehicle. Fifth Third Bank was the lender I garunteed my loan through. They are sending me letters saying I owe them money. I have not called the number on the form because I do not want to communicat with them verbally. This claim is against Fifth Third Bank XXXX XXXX and XXXX XXXX of XXXX Massachusetts. Fifth Third Bank has admitted to 15 million settlement since they have allowed automobile dealers to charge higher interest rates to XXXX XXXX and XXXX borrowers than XXXX borrowers with similar loan qualification. Because the bank is admitting to wrong doing, why are they still requesting money from me?
Consumer complaint received 2018-01-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stevens Business Service, Inc. (MA)

I was contacted XX/XX/XXXX regarding a debt that they said was owed from XXXX XXXX from XX/XX/XXXX. I moved from an address in XXXX, MA on XX/XX/XXXXand at that time disconnected my XXXX XXXX service and paid off my bill for {$500.00}. The lady on the phone could not tell me my last payment or when I disconnected service. I called XXXX XXXX and they told me to call back the collection company. I have not received a phone call, bill, or letter from anyone since I moved and disconnected service.
Consumer complaint received 2018-01-24
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. (LA)

I am a victim of IDENTITY THEFT. On XX/XX/XXXX I filed a Identity theft report regarding FRAUDULENT information on my credit report. I alerted each credit bureau by facsimile by sending a copy of the FTC identity theft report on XX/XX/XXXX. Each credit bureau immediately placed a extended fraud alert on to my credit file including EXPERIAN. XXXX  and XXXX immediately removed the fraudulent information that was listed on the Identity theft report from my credit file. Experian on the other hand still has these FRAUDULENT Credit inquiries and a FRAUDULENT address listed on my credit file. Even after I faxed the Identity theft report for a 2nd time on XX/XX/XXXX. EXPERIAN for a second time on XX/XX/XXXX. They have constantly ignored my request to have those FRAUDULENT credit inquiries and address removed from my credit file.
Consumer complaint received 2018-01-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX XXXX XXXX XXXX I asked them to send me a letter saying they purchased the debt and how much it was purchased for. She started yelling at me and talking over me without listening and I told her to stop contacting me and she kept yelling at me.
Consumer complaint received 2018-01-24
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rent Recovery Solutions (TX)

I received a notification today that a collection was added to my credit report in the amount of {$920.00} I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my reports/ also I paid the reletting fee to move from the apartment.
Consumer complaint received 2018-01-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

I send money to my Coinbase account I am waiting for wire transfers dated XXXX XXXX XXXX 2018 over 1000 It has been over two entire weeks since the first request and I have not received anything. I tried all Mail adresses for support available.Even the phone number is not working. Not even one anwser. I opened 3 cases on the company site and explained my situation. Also no anwser.
Consumer complaint received 2018-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NM)

I have reached out to three credit reporting bureaus to correct the false claims that came up after I was informed the my personal email and information was being use for on line accounts that are n't mine. The XXXX breach has caused me all of my life saving and other banks accounts to be drained as well. And now I am going to be homeless because of these Deceiving reports that XXXX and XXXX and Experian are give to unknown. All three bureaus have been scaming me of monies on a monthly time. And the minute that I cancel my account they have still deceiving me with there Fraudulently scores. I am going to sue them for all of there harmed they are do me.
Consumer complaint received 2018-01-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

Property was purchased in XX/XX/XXXX for {$230000.00}. Assessment value of {$230000.00} at time of purchase. Loan was for a 30-year fixed at 95 %. Accelerated payments were made to the loan to achieve over 20 % accelerated equity in just over 1 year. 

The loan states it will remove the monthly PMI on XX/XX/XXXX unless the " the principal balance actually reaches 80 % of the original value of the property '' and four conditions are satisfied : I feel the bank and I agree that first 3 points are met, the four data point : " we receive, if requested and at your expense, evidence satisfactory to the holder of your loan that the value of the property has not declined below its original value, and certification that there are no subordinate liens on the property. '' I kept asking why is the bank requesting a BPO or assessment and they have not been able to respond to this question after multiple requests. The bank responded with it is required per the contract. However, it is not required, it is " if requested '' It has only been about a year. Why is it requested? The XXXX XXXX market is increasing as a whole and multiple documented sources provided. 

After 6 unsuccessful emails back and forth where the bank providing the exact same document I provided on my initial request to them. ( I kept asking " why '' is it being requested when it has only been a year ) I conceded and agreed to paying {$100.00} to {$300.00} ( the bank states its somewhere in that range ) for a BPO assessment. 

The result of the BPO stated the house decreased in value from $ XXXX to $ XXXX. The BPO failed to use the same floor plan that sold on the same street for $ XXXX and has a smaller yard, only 2 car garage instead of 3, and less upgrades inside. Also, there is a similar house that just sold two doors down for $ XXXX with a slightly larger lot but significant electrical issues. 

Please assist with removing the PMI. We need our loan balance needs to be below {$180000.00} and the current balance is at {$180000.00}.
Consumer complaint received 2018-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX unauthorized and should be removed immediately.
Consumer complaint received 2018-01-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (FL)

TD bank opened an account without my authorization. I advised them, but they keep sending me statements and state I owe them money. I had security alert on my reports, FREEZE as well, and they should have never opened an account in my name with all of the alerts I 've had on the credit report. They do n't want to resolve this issue and closing the account. I keep getting statements that I owe them money etc. I have never opened the account and they fail to resolve the issue.
Consumer complaint received 2018-01-25
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC (CA)

Starting towards the end of 2017, I began getting almost daily recorded calls from Transworld Systems , Inc., saying it was very important I call them to resolve a debt. The recording said toe call XXXX XXXX XXXX at XXXX. Since I knew I had no uncollected debts, I asked my accountant to the call the number. She did, and said it was clearly a scam - the company could not identify any unreported debt, but simply kept asking for personal information about me, such as Social Security #. She asked them not to call anymore. 

Nevertheless, I get these robocalls almost every day. This is obviously a fraudulent attempt to gather information about me. If it were a real debt, they would put it in writing and mail me.
Consumer complaint received 2018-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NY)

I have a number of fees for two of my credit cards for late payments. These statement balances were paid in full within a 24 hour period. My statement balances are paid, in full, every single month. The CC company decline to go back more than three months for any of the fees listed.
Consumer complaint received 2018-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Commercial Acceptance Company (PA)

I filed a complaint against commercial Acceptance, they responded with an inaccurate information. I never received services from XXXX XXXX or Commercial Acceptance. They must provide full verification of any such transaction with a contract that have my signature.
Consumer complaint received 2018-01-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XXXX XXXX, 2018, I mailed a letter to TRANSUNION disputing erroneous information I discovered in my consumer credit file that was publish for others to view by TRANSUNION. 
Under the FCRA act I expected TRANSUNION to investigate my disputes, delete or correct the information. To ensure accuracy I mailed the letter using certified US mail. 
To date TRANSUNION has failed to respond to my dispute and it has been more than 30 days. 
I would like your assistance ensuring that big corporations comply with the law. If after 30 days TRANSUNION is unable to verify the negative information I insist that they delete the information from my credit file.
Consumer complaint received 2018-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (IN)

Citi Card received a payment of XXXX on XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I received numerous robo-calls about my payment- they did n't know how to process it. 
On XX/XX/XXXX I received an email with basically the same statement - they did n't know how to process the XXXX. 
On the dates of XX/XX/XXXX and XX/XX/XXXX I spoke with XXXX, XXXX and XXXX explaining the above. They gave me an address to mail the supporting documentation ( bank statement, and email stated above ) I mailed it on XX/XX/XXXX AND on XX/XX/XXXX - per XXXX I sent another payment of XXXX. 
On XX/XX/XXXX called again and spoke with 'XXXX ' (? ) and 'XXXX ' - basically they knew nothing and said I had to sent another cc of the bank statement, which I will do - but YOU need to know this smells deceitful to me. 
TWO payments and they have NO record? They do n't advise me about their investigation - I have to call them?! 
BTW, the number I 've called to reach the above people is : XXXX - they have not provided any answers, any help, they do n't know the CFPB ; they ca n't make any assurances about reporting THEIR mistakes on my credit reports and quite honestly this is MOST disturbing and frightening. 
PLEASE help me!
Consumer complaint received 2018-01-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Community Health Investment Company, LLC. (NC)

I was hospitalized in XX/XX/XXXX. The attached form discloses the claim dated XX/XX/XXXXfor a disagnostic image ( MRT ) that was done prior to me being admitted to the hospital. Initially, my insurance company informed me I was responsible for the entire bill of {$8100.00}. I am insured under my mother 's ( XXXX XXXX ) health insurance. She wrote a letter of appeal ( see attached ) regarding this outstanding bill. On XX/XX/XXXX, we received a letter from the insurance company ( see attached ) that approved our appeal and a copy was sent to the original creditor ( XXXX XXXX XXXX XXXX XXXX ). During this entire time, we never received a bill from XXXX XXXX XXXX XXXX XXXX before or during the appeal process. On XX/XX/XXXX, we received a bill ( see attached ) from XXXX XXXX XXXX XXXX. We immeditately called the original creditor to make arrangements directly regarding the revised amount I owed, {$770.00}. We came to an arrangement and made our first payment XX/XX/XXXX ( see attached bank statement ). We received a call from XXXX XXXX XXXX on XX/XX/XXXX. We 're filing based on the following 4 things : 1 ) Dual Tracking abuse from XXXX XXXX XXXX sending this debt to a collection agency and negotiating simultaneously ( 2 ) Professional Account Services attempting to collect on a debt prior to the 30-day validation period ( 3 ) Never received a bill from orginal creditor prior to receiving letter from collection agency ( 4 ) Collection agency collecting on a debt when original creditor agreed to payment arrangement and received first payment. We expressed to the collection agency during the XX/XX/XXXX call that we ( see attached letter ) prefer to deal directly with the original creditor since we made the arrangment directly with them. They refused and implied that I was refusing to cooperate and pay this debt. I told them that is not true as evidenced by the arrangement that was made and she acknowleged payment was made ( 10 % of the balance for the next 10 months ). Further, I believe the original creditor prematurely submitted this debt to the collection agency given the time frame of the appeal process and the new rules that medical organizations must adhere to when placing a medical debt to a collection agency.