davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Regional Management Corporation (SC)

I applied for a personal loan with a company called XXXX XXXX I am XXXX and have been struggling since XX/XX/2009. This company did not ask me if I wanted the life insurance and they charged me XXXX to insure my items i Used for collateral. The life insurance was XXXX The person in the office really did not go over this information with me. I called the company the next day and told them I had life insurance and my agent who handles my property insurance said my collateral items were covered under my home owners policy. I do not need this services.I have recently wrote a letter to the office asking them to remove these charges. They have not yet. People like myself who has a disable nag condition lose our jobs our health insurance and end up going bankrupt. Prior to this I had excellent credit. These lending companies charge outrageous interest then they add the insurance to your loan and you pay interest on this also. They have reported to the credit bureau that I have a loan for over 6,000. I borrowed XXXX.
Consumer complaint received 2018-06-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MD)

To whom it may concern : I am having issues with FedLoan Servicing accurately counting their monthly payments as qualifying towards Public Service Loan Forgiveness. 

I consolidated correctly back in XX/XX/XXXX and began paying my first payment in XX/XX/XXXX with  XXXX XXXX and XXXX  XXXX and have been on qualifying repayment plans since then. 

I have also completed Employment Verification Forms since then, which have been accepted. I have always made automatic on-time monthly payments while working for approved employers. I worked full time for a non-profit University from XX/XX/XXXX to XX/XX/XXXX and currently work as a full time XXXX  XXXX from XX/XX/XXXX to current without a break in service. 

XXXX XXXX is telling me that some monthly payments have not counted because of various deferments and forbearances on my account which I know nothing about! I have never applied for any type of deferments or forbearances. 

Customer services representatives give me different information each time I call. Six months ago, I requested a recount of my qualifying payments and one administrative forbearance was removed in the process. Since then I have requested ( in writing ) documentation of the other alleged deferments and forbearances as well as a list of which monthly payments have not qualified. I have not heard from them at all. 

On XX/XX/XXXX I received my monthly statement indicating that my Qualifying payment under PSLF program were 81. 

On XX/XX/XXXX I received my monthly statement indicating that my Qualifying payments under PSLF were now 75. 

On XX/XX/XXXX I made contact with myfedloan.org Customer Service Rep ( XXXX employee # XXXX ) and explained that I have documentation from Fedloan Servicing stating as of XX/XX/XXXX I have made 81 payments under the PSLF Program. XXXX informed that she would submit my request for investigation and would receive a response in 90 days by XX/XX/XXXX. 

On XX/XX/XXXX Customer Service Rep ( XXXX employee # XXXX ) stated its a system issue. 

On XX/XX/XXXX Customer Service Rep ( XXXX employee # XXXX ) After submitting my yearly employment recertification my PSLF Qualifying payments were incorrectly adjust to 57 on one loan and 59 on another loan. 

Please help, Ive devoted my career as a public service employee and have abide by the rules of the PSLF program. I feel that XXXX XXXX is not accurately counting my qualifying payments towards the Public Service Loan Forgiveness program.
Consumer complaint received 2018-02-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. (FL)

Coinbase has {$4500.00} of my money more than a month after they said they returned it. On XX/XX/XXXX I wire transferred {$4500.00} from my bank to my XXXX account at Coinbase, who said on XX/XX/XXXX the wire was rejected and would be returned because of a name mismatch. I hadn't received the money by XX/XX/XXXX so I filed a complaint with the CFPB. On XX/XX/XXXX, exactly 15 days later, Coinbase told CFPB that the money was returned on XX/XX/XXXX and that the case was resolved. Further, Coinbase told me and the CFPB that I should ask my bank where the money was and they provided a FED reference number. My bank could not find the money and said that I should ask Coinbase to trace it.
Consumer complaint received 2018-02-03
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. (AZ)

I am a victim of identity theft. The following debt collection accounts : XXXX XXXX XXXX XXXX, {$960.00}, and XXXX XXXX XXXX, XXXX, {$12.00}, XXXX are fraudulent, unauthorized and dont belong to me. I have been receiving harassing phone calls daily at XXXX XXXX from representatives from XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, XXXX, using abusive and profane language against me, making death threats, threats of taking legal action against me, and threats of me going to jail and prison. I informed representatives from XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, XXXX, that the debt and account is fraudulent, unauthorized and not my debt. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX, is in violation of The Fair Debt Collection Practices Act ( FDCPA ) under Federal law.
Consumer complaint received 2018-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I have contacted Capital one several times in the past few months on my credit interest rates and asking if they could help by lowering my credit interest. Every time I complain to Capital one, it seems that they increase my interest rate another .25 %. In the past 6 months my interest rate has been raised 4 times, even though I have tried to make additional amounts above the minimum. Each time I have contacted Capital one they have told me that they can not help me and after each contact another .25 % increase was put onto my cards.is there anyway that the FTC can investigate on my behalf on why this is happening. If my interest rates continue to increase I will be forced into bankruptcy. 

I have paid my bills in good faith but they do not seem to care about my on time payments rather just on ways they can increase my interest so that the monthly charges are well above a reasonable rate. 

this pertains to several of my credit cards : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX I am on XXXX and can not afford for every company to jack up their rates well over what I receive in my XXXX  increases. It seems that every time we turn around they are increasing my costs and not increasing my income. The credit card companies seem to be the worst of most of them.
Consumer complaint received 2018-02-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (VA)

Today, XXXX-18, I called to pay my Navient Loan and I was told that I couldn't use a credit card. So I went out and got a prepaid debit card, but the automatic system won't process it. The system is very annoying and difficult to use. It has few options and I'd constantly asking and promoting things I don't need. I've called 6 different numbers looking for a person, but they don't have anyone on weekends. Their online system only asks for a bank account, and doesn't let me pay with a debit card even though they said they accept debit XXXX cards. There is no answer at customer service to resolve theee issues. I can't pay them like this.
Consumer complaint received 2018-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION (OR)

... 1 ) Simple Bank does not notify or disclose anywhere to its customers that it will treat federal money orders like a personal check. All Simple Bank states is that they will hold checks for 10 days. 

... 2 ) Normally banks and merchants treat federal money orders the same as cash, whereas they treat paper checks as, well, paper checks. 

... 3 ) If Simple Bank wishes to uncharacteristically treat money orders the same as paper checks, Simple Bank would be required to notify its customers of such a draconian policy ; but they have not updated their terms on their website even though this is the third complaint. 

... 4 ) The solution is Simple : Please update your website stating money orders will be treated the same as cash, and then please compensate my account for your oversight in not properly notifying customers that money orders will be treated the same as personal checks with regard to holds.
Consumer complaint received 2018-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

Bankruptcy listed with XXXX, XXXX and Experian has incorrect information listed. Bankruptcy is listed with a XXXX dollar amount. Disputed with credit bureau asking for them to provide proof of how the information was verified. No information was provide
Consumer complaint received 2018-02-03
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

XXXX XXXX purchased a credit card debt from XXXX  XXXX XXXX, assignee of XXXX XXXX and hired XXXX XXXX to represent them in the Court of law in order to collect on the debt. On XX/XX/XXXX, a lady named XXXX who claimed to be with law enforcement agency and wearing a " badge '' and shorts, t-shirt, flip flops, came to my place of employment with her XXXX small children. She was asked to leave by human resources and to contact me at home. She left and then immediately called my place of employment again, being harassing. She left her number and I called her to try and set up an appointment and all She stated was someone would be out next week to my home address, which I verified with her, as I believe she was trying to give me Court papers. Instead, On XX/XX/XXXX, she showed up again at my place of employment. I asked her to please wait outside as I was getting ready to leave work and I would meet with her. I came out and she was still inside. I told her I needed to use the restroom. She said " really '' I said yes. Then when we got outside she continued to stand by the employee entrance area. I said this is embarrassing and why didn't anyone come to my residence. She accused me of avoiding her and threatening to fine me. They took me to court and Sued me and unfortunately the judge sided with them which I disagree with. Not only violating the FDCPA, the company failed to provide evidence that I owe the debt and that they have a claim in the debt. I asserted lack of standing not to mention being threatened, harassed and humiliated at my workplace.
Consumer complaint received 2018-02-03
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: Experian Information Solutions Inc. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ( XXXX ) XXXX. 

Claims a debt is mine when it is not. They can not prove my financial responsibility for this debt and are unable to provide any proof that I am a responsible party on this debt. The Debt is in the name of another person and the bill is sent C/O my name only. They do not even have my SS number. They have no authorization from me or signature or contract that I am responsible for this debt. The date of purported service is XX/XX/2015. 

I have disputed this debt with Experian but they refuse to remove this debt from my credit report even though XXXX and XXXX   have already removed it. They have been given proof the invoice for the debt is in the name of another person but they still refuse to act. They refuse to request further information from XXXX XXXX   proving my responsibility on this debt.
Consumer complaint received 2018-06-03
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: Early Warning Services, LLC (NJ)

On XX/XX/XXXX, I filed a series of FCRA disputes with Early Warning Services ( EWS ) via letter sent Certified Mail, Return Receipt ( received XX/XX/XXXX, letter attached as Exhibit " A '' and return receipt attached as Exhibit " B '' ). 

Such disputes involve four ( 4 ) XXXX XXXX XXXX accounts and one ( 1 ) XXXX  XXXX XXXX account incorrectly displayed on my Early Warning Services ( EWS ) report. 

On or about XX/XX/XXXX, I received four ( 4 ) identical letters regarding the XXXX XXXX XXXX disputes indicating that the tradelines were verified ( one of the letters is attached as Exhibit " C '' ). I received no such letter, or any other communication, regarding the XXXX XXXX XXXX dispute. 

In a letter dated XX/XX/XXXX ( attached as Exhibit " D '' and its return receipt, dated XX/XX/XXXX, as Exhibit " E '' ), I noted that the period the FCRA allows for response to disputes had passed, and the XXXX  XXXX XXXX entry must accordingly be deleted. I also requested information regarding the verification methods used in the investigation of the XXXX  XXXX XXXX disputes. 

These requests resulted in more form letters five this time determining my requests to be frivolous or irrelevant. All the letters are identical ( one is attached as Exhibit " F '' ), and none speak to the specific entreaties I made. This leads me to believe that they were sent as a knee-jerk response to my letter, with no consideration or respect given to its content or validity. 

Finally, on XX/XX/XXXX, I received a copy of my EWS report with each page watermarked with the word updated, supposedly as a result of the same investigation requests that EWS deemed frivolous as noted above. I also received a letter dated XX/XX/XXXX stamped " COPY '' regarding the XXXX XXXX dispute, although no such letter was ever sent to me before ( see above ). 

Clearly, these investigation results were furnished well outside of the 30-day period allowed by law ; and they are the result of an investigation EWS have repeatedly refused to conduct. 

Also, my disputes can not be both too frivolous to investigate and valid enough to investigate at the same time. 

My rights under the FCRA have been violated.
Consumer complaint received 2018-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Child is XXXX XXXX XXXX my child support payments have never went delinquent in fact it is paid current up to date the payments that are being made right now is interest only not late fees and is invalid reporting to credit bureaus I have called and written letters for over 4 yrs to get this account removed off my credit ; because payments have always been current and onetime also because there were no services or contracted services nor product to have this account appaering on my credit report. Was made aware that new child support law from XX/XX/2017 enforces bureaus to remove child support from being reported to credit bureaus. Also the Federal Tax Lien is not my debt its reporting on wrong credit file, showing paid so why would it be reported so all information is invalid the account, account type, date, amount and mismatch personal information for this is not my account. As far as collection account I have not received medical treatment from company that has recently posted on my credit report : XXXX XXXX spoke with company trying to see how they got my information the information in their system does not match me.
Consumer complaint received 2018-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (GA)

Bankruptcy listed with XXXX, XXXX and XXXX  has incorrect information listed. Bankruptcy is listed with a XXXX dollar amount. Disputed with credit bureau asking for them to provide proof of how the information was verified. No information was provide
Consumer complaint received 2018-06-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC (TX)

This company did not send letters advising of their attempt to collect debt from me. Furthermore, I searched the Texas Secretary of State website for the Collections Agency, and found no indication that they acquired the surety bond required to collect debt as a third party in accordance to Texas Fin. Code 392.402.404.
Consumer complaint received 2018-06-03
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. (CT)

XXXX XXXX XXXX, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of { {$540.00} } with XXXX, Experian and XXXX credit report agencies. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ) I requested XXXX XXXX XXXX provide me with validation of the debt and account ( see attached ) ... on several different attempts by USPS Certified Mail/Return Receipt as a bill is NOT validation. ( see attached ) XXXX XXXX XXXX sent a letter to me dated XX/XX/2018 attaching a copy of an old billing statement. I have made several dispute attempts to all 3 credit reporting agencies on ( XX/XX/XXXX,XX/XX/XXXX ) XXXX, ( XX/XX/XXXX,XX/XX/XXXX ) Experian, and ( XX/XX/XXXX,XX/XX/XXXX ) XXXX requesting the validity of the account on my credit report. I repeatedly asked for Validation as well as Verification and even requested the method of verification and Experian credit reporting agency has NOT provided the method. I have given Experian ample time and opportunities to make the appropriate corrections to my credit report and they failed to do so. All reported data must be complete, correct, and proven if challenged, otherwise the account must be removed from my credit report per FAIR CREDIT REPORTING ACT.
Consumer complaint received 2018-06-02
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: Bread Financial Holdings, Inc. (CA)

On XX/XX/XXXX around XXXX-XXXX, I spoke with a XXXX XXXX  's ( XXXX XXXX, XXXX XXXX, CA ) sales representative who asked if I wanted to open an account. She did know specific what sort of account this was and proceeded to ask for my social security #. I gave it to her and then she asked for my income. I realized that she was then applying me to a credit card and asked if she was doing that. She said yes and so I stopped myself from giving her my income information and said to cancel this application. On XX/XX/XXXX. I was notified that there was a hard inquiry made to my credit from XXXX. This is affiliated with XXXX XXXX. I did not authorize my credit to be ran by this sales representative because I did not give my income and did not complete this credit application.
Consumer complaint received 2018-04-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc. (CA)

Hello, I am writing this complaint in regards to my mortgage company ( Seterus ). 

I purchased my home originally in XX/XX/XXXX for approximately XXXX in the City of XXXX California. My original lender at the time was XXXX XXXX and at some point it transferred to XXXX XXXX XXXX and now it is ultimately XXXX. 

In XX/XX/XXXX I faced some financial difficulty and filed Chapter XXXX Bankruptcy. I successfully completed my bankruptcy and received my final decree. 

I started paying Seterus directly through their automated phone system in XX/XX/XXXX and have not missed a payment since that date. I reached out to Seterus on at least three separate occasions because I still have never received any statements from them nor was I allowed access to view my account via internet. Each time I spoke with them they told me my bankruptcy was under some final review and it would take a few days for them to finally grant me access to their website and begin receiving statements from them. 

Recently ( XX/XX/XXXX ) I noticed somebody taking pictures of my Home and when I approached the subject he informed me my home was headed for foreclosure. I again called them and they advised me they would look into the matter to get my records current. Today ( XX/XX/XXXX ) I received a call from a Seterus representative and they told me I was approximately {$5000.00} behind on my mortgage. This is surprising to me because I have not missed a payment. 

So I guess what Im asking is what can I do as a home buyer. My monthly mortgage is {$2300.00} and I have proof all my payments are current. Their highly unpleasant representatives only tell me they will start foreclosing if I do not become current. 

Any recommendations as to who I should contact? My apologies if this is not your specialty and you took the time to read this. 

Thank you for your time,
Consumer complaint received 2018-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SUNTRUST BANKS, INC. (CT)

My checking account with Suntrust was closed due to overdrawn balance. Prior to this, I requested copies of statements for months of XXXX and XXXX through a rep via live chat. I received XXXX statement today,XX/XX/XXXX, but not for XXXX. I need this statement sent to me ASAP. Since the account is now closed, I no longer have online access to it and am unable to view/print statements.
Consumer complaint received 2018-06-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (OH)

XX/XX/XXXX I was alerted that a collection account was added to my credit report from Midland XXXX XXXX for a ( charge off ) credit card debt -- original creditor being XXXX XXXX. My credit score took a major hit as a result. 

The alleged amount owed is {$570.00}, of which I have no knowledge of. 

Midland somehow has gotten my wife 's cell phone number and they make numerous calls a day harassing her for this debt that I allegedly owe. 

We have both blocked at least 5-6 numbers from Midland to prevent the calls from going further, however they still ensue. 

I sent a dispute letter around XX/XX/XXXX asking Midland to verify this debt. I never received any validation or proof of ownership of this debt and the collection account still remains on my report as a " derogatory '' mark.