davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ResidentCollect, Inc. (TX)

I have contacted Resident Collect and informed them the amount they are reporting is not correct if any balance is owed. I informed Resident Collect that I spoke with Leasing Agent at XXXX and they were not able to verify any balance owed as my name did not show in their database. I also informed Resident Collect that the documents they have sent me are fabricated. In a previous request to Resident Collect requesting they verify the balance and update my credit report. I also informed Resident Collect of payments I made directly to the creditor and thst my deposit was not showong on the paperwork I recrived. Resident Collect then sends me documents that show the deposit amount on lease was {$10.00} with initials that do not match the initials at bottom of page and they also included a document that indicated a deposit in amount of {$510.00} was the deposit amount received from me. On XX/XX/2016 I received the same documents from Resident Collect this time the the amount of deposit on lease shows nothing the initials were gone andthere was nothing listed where the {$10.00} was previous also the line is removed. On the same document previously sent does not show the security deposit but current amount owed but that is all no description. I informed Resident Collect of the falsified documents received but they still did not verify or correct the issue.
Consumer complaint received 2017-01-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My name is XXXX XXXX, I have credit card with XXXXBank and I owe XXXX on it. The online banking offers customers a way to check their credit score by clicking on and signing into to a link to the Transunion Credit Score Check. It is showing I owe {$330.00}. I have attempted to have XXXX Bank remove the charges because the last credit card rep at XXXX Bank, XXXX, whom I spoke with earlier this week, confirmed that I owe XXXX on all my cards. XXXX suggested I go to " XXXXBank Tech Support '' and since then, I have been unable to actually reach a " tech support '' person by phone, I have written to them as well. I have received no response assuring me that they have confirmed the information that I owe nothing and have had no assurance that " tech support '' has done anything on my behalf or is working to have the {$330.00}. bogus balance removed. Please advise.
Consumer complaint received 2016-04-19
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Nationwide Biweekly Administration, Inc. (FL)

Nationwide Bi-Weekly has been the go-between between my lenders ( first XXXX XXXX, next XXXX, then XXXX ) since I bought my house in 2012. They deduct half my mortgage payment twice monthly, and pay it the following month. In XXXX, I was sent a message stating they could no longer do business with XXXX, and I would have to start sending my checks directly to XXXX. They were to send what they deducted from my account for my XXXX payment and did not. After inquiring, I am in dispute with them. XXXX has helped me by providing me with avenues to assist me. In the meantime, my credit rating has dropped significantly, and I worry my VA Loan Opportunities will be limited.
Consumer complaint received 2017-01-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (FL)

I have a federal loan through Navient. I am under an IBR repayment plan where I am currently paying {$410.00} per month. On XX/XX/XXXX and XX/XX/XXXX, my bank received a ACH withdrawal request for {$2100.00}. Navient is closed for the evening, but the only thing that I can think of is that it is time to renew my IBR, and I have not received any notice from Navient that my IBR renewal was due and I updated my contact information XX/XX/XXXX. They did not call me when they tried to withdraw {$2100.00} from my account and it did not go through. Instead they kept trying to make a withdrawal, causing me to incur additional fees.
Consumer complaint received 2017-06-22
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P. (NJ)

South west credit systems the  company involved calls me before  XXXX   XXXX  and nonstop throughout the day, when I ask them to send me a letter through the mail stating the debt I owe them they get offended and defensive, I ask them to set up a payment plan and they get rude, it 's just nonstop calling all day
Consumer complaint received 2017-06-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

MY PROCESS STARTED BACK ON XX/XX/XXXX WITH WELLS FARGO WITH A REPERSENTATIVE BY THE NAME OF XXXX XXXX EVERYTHING WAS GOING WELL UNTIL HE STOPPED RESPONDING TO MY CALLS AND EMAILS. I CALLED AND SPOKE TO A SUPERVISOR AND ASKED THEM IF I CAN HAVE A DIFFERENT REPERERSENTATIVE SINCE HE WAS NOT BEING RESPONSIVE TO ANY OF MY EMAILS WHICH I HAVE PROOF OF. THEY SWITCHED MY REP TO SOMONE BY THE NAME OF XXXX XXXX IN XXXX. XXXX AND I WOULD GO BACK IN FORTH VIA EMAIL MOSTLY HE WOULD REQUEST DOCS I WOULD SEND IT TO HIM. HE REQUESTED BANK STATEMENTS WHICH I HAD TO ORDER AND I ADVISED HIM OF THIS. I RECIEVED THE BANK STATEMENTS AND FAXED THEM OVER TO HIM. ON XX/XX/XXXX I EMAILED HIM ASKING HIM THE STATUS OF MY LOAN MODIFICATION HE EMAILED ME BACK ON XX/XX/XXXX WHICH WAS 4 DAYS LATER STATING THAT HE DID NOT RECIEVE THEM IN TIME AND IT WOULD NOT GO THRU. I EMAILED HIM BACK AND ADVISED HIM I FAXED IT OVER AND I CAN RESEND IT. IT IS NOW XX/XX/XXXX AND I HAVE NOT HEARD ANYTHING. I EMAILED THERE CEO XXXX XXXX ADVISING HIM OF THE ISSUE AND HE HAS NOT RESPONDED ( I AM SURE HE DOES NOT CARE!!! ) I ALSO EMAILED THERE HEAD OF CONSUMER LENDING OF THE ISSUE XXXX XXXX AND HE HAS NOT RESPONDED. I HAVE BEEN A WELLS FARGO CUSTOMER FOR YEARS AND RECENTLY HAD A XXXX I SENT ALL OF THE DOCTORS DOCUMENTS TO XXXX XXXX SHOWING THAT IT IS TRUE. I AM A XXXX YEAR OLD SENIOR CITIZEN THAT HAS NO PLACE TO GO IF I LOSE MY HOME. I CERTAINLY DO NOT WANT TO LOSE MY HOME OVER BANK STATMENTS EITHER. I NEED HELP!!!! PLEASE SOMEONE HELP ME I WANT TO KEEP MY HOME!!! MY CONTACT INFO IS XXXX
Consumer complaint received 2016-05-18
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (GA)

I sent an amount of money by using MONEYGRAM.COM, online, there were several holds on which payment was available but i had to constantly give them in intervals more and more information on my personal, i.e. Drivers license, DOB, address year of birth, SS and all uncomfortable information to a representative that was outsourced in a foreign country. I 'm now watching my acct notoriously along with alerting my bank of what transpired, I 'm cancelling the money gram acct and reporting them to all agencies as well.
Consumer complaint received 2017-01-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Transunion reports a hard credit inquiry from XXXX on XXXX/XXXX/2015 I have never - ever - never- ever applied for credit from XXXX in my lifetime I am a XXXX customer and have been for 20 years, and I want this supposed inquiry deleted from my credit reporting. It is fraudulent, it never happened.
Consumer complaint received 2016-12-27
Product: Credit card — 
Issue: Late fee — 
Company: Bread Financial Holdings, Inc. (NY)

I need for this bank to remove XXXX late payments that they have posted on my credit report. I am still in bussiness with them and I do n't remember ever paying late. Also, this is creating a harship in my credit and I love purchasing goods with all the cards associated with this bank. I believe is XXXX XXXX, XXXX XXXX, and New York and Company. I am still a good costumer and I should believe I should be given the forgivieness of thos late payments and to please be remove from my credit report.
Consumer complaint received 2017-01-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MS)

I have experian online reports and summary and it states credit cards, loans, medical bills, bank accounts, etc. that are not mine. I have never had any credit card or bank accounts of any sort until XX/XX/2016. Names for Me are not right. Collections are not mine. I requested a annual report from all XXXX breaks today and they all gave me a series of questions to confirm my identity and I had no answer for any of them. These accounts are not.minem I have XXXX credit cards, XXXX merchant card, a bank account, and XXXX installment loan from XXXX, and a phone bill. Please help me! I need a credit report sent to me preferably online or phone asap.
Consumer complaint received 2016-04-19
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE (SC)

I closed my Credit Card account with Barclay Bank in XXXX XXXX. On XXXX XXXX, XXXX I was notified by email that I have a new charge on the account. I called Barclay and they confirmed the account was closed but said they charged the account because it was a subscription charge. I stated that does not matter the account was closed - no new charges should be allowed.
Consumer complaint received 2017-06-22
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: SYNCHRONY FINANCIAL (CA)

Good Morning, I Am filing a complaint against Synchrony Bank for not holding true to their word on telling me that a credit that was put back to my account is permanent. On XXXX-17 I seen that a credit was put back on my account. On XX/XX/XXXX I spoke with a person online from the credit card company. They plainly told me in writing, which I have, that my dispute credit was PERMANENT. <P/>On XX/XX/XXXX I received a letter letter telling me that it was provisional, however I had already been told twice that it was permanent. First by the chat rep and second by a manager. <P/>I am holding Synchrony Bank liable for their actions. I am not willing to accept anything other than the credit as permanent since I had already been told very plainly that it was permanent.
Consumer complaint received 2017-06-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: NAVY FEDERAL CREDIT UNION (AL)

I got a loan through XXXX XXXX XXXX on XXXX XXXX, 2017 to pay off my personal loan at Navy FLU. The payment was electronic. I take to NFCU on XX/XX/XXXX and they have n't received the payment. They said if it was sent by XX/XX/XXXX, then they should have received it. I verified my account information which was correct at XXXX XXXX XXXX. I talked to XXXX XXXX XXXX and they said wait until XX/XX/XXXX for payoff. On XX/XX/XXXX, I checked online and the loan had not been paid off. I call NFCU and verified my account which was correct information at XXXX XXXX XXXX. No payment received peer NFCU. I called XXXX XXXX XXXX  and they said NFCU rejected the payment. NFCU did n't tell they rejected the payment or why. All the account information was correct. This action by NFCU is going to cause me to make another payment. I have wait for a check from XXXX XXXX XXXX. Due to the amount, I believe NFCU will hold onto the check for at least 10 days before posting it. Again, the will increase the amount of interest. My loan should have been paid off two weeks ago. NFCU did n't tell me they rejected it. I was led on causing me to pay additional interest and out of pocket expenses.
Consumer complaint received 2017-06-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NC)

Dear CFPB, The price of Ethereum crashed to as low as XXXX cents from around {$310.00} in about a second on the XXXX cryptocurrency exchange on XXXX XXXX 2017, which is being blamed on a " multimillion dollar market sell '' order. <P/>Ethereum is an alternative digital currency to bitcoin and had been trading as high as {$350.00} on Wednesday. A big price fall triggered 800 stop-loss orders and margin funding liquidations caused Ethereum to trade as low as 10 cents for 1 second before going back to a normal market value. <P/>A stop-loss order is a trade that is executed automatically once a security in this case, Ethereum hits a particular price. Margin funding is essentially trading with borrowed funds. Liquidation is when these positions are closed automatically in order to prevent further losses. The knock-on selling effect caused the flash crash on XXXX thus resulting in Liquidation off everyone 's funds. <P/>When you are called, you have to have the time to place the money in the account. What we have here is not true margin, it is leveraged, calling it margin in its own right if it wo n't behave as the SEC/FINRA/XXXX defined margin is fraudulent. <P/>The link to a chart below is a screenshot of the GDAX price showing the high and low price. XXXX XXXX XXXXXXXX I do n't mind being margin called. I DO mind not having access to a system that allows me to fund my account to prevent the call ( as is required in all US brokerage services ) All this resulted in me losing {$14000.00} because of this margin call. Screenshot that shows my account being margin called : XXXX XXXX XXXXXXXX Thank you for taking the time to read this.
Consumer complaint received 2017-06-22
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. (FL)

XXXX XXXX XXXX XXXX , XXXX is reporting a debt to Experian and other credit reporting companies that is false. They claim I owe rent to XXXX XXXX for renting a apartment from XXXX in XXXX XXXX Iowa. I did rent an apartment for a year lease from XX/XX/XXXX thru XX/XX/XXXX. I was transferred a few months later and worked with XXXX XXXX to sublease the apartment. I paid rent thru XXXX. The apartment was sublet XXXX for the remainder of the lease. When checking out I was told I owe no further monies because the apartment was sub-let. XXXX XXXX now claims I owe them a sum of money. They never contacted me. XXXX XXXX must have sold the supposed debt to XXXX XXXX XXXX XXXX , XXXX Who has reported this to Experian and other credit reporting companies. I 've called the corporate head quarters of XXXX XXXX to be told I have to work with XXXX XXXX. I 've made several attempts with XXXX XXXX to clear up the misunderstanding including sending them the attached Resident ledger and they refuse to remove the bogus claim. XXXX address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX.
Consumer complaint received 2017-06-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (NJ)

I am questioning account number  XXXX  with LVNV Funding due to the fact that I have sent several dispute letters to the credit reporting agencies and it comes back verified every single time. They are claiming that I owe {$400.00} to  XXXX   XXXX  on my credit report.   XXXX  I have contacted LVNV Funding to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act.
Consumer complaint received 2016-10-20
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Revenue Recovery Corporation (VA)

There is a derogatory remark on my XXXX score and this was paid several years back. The medical company and collection company were sending statements to an address I had not lived at for 15 plus years. They finally called me at my employer and I paid it right away.
Consumer complaint received 2017-06-22
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I was told to submit a claim form last year which I did on XX/XX/XXXX. I waited and after several months I received a check on XX/XX/XXXX. Their letters claimed I would be receiving around {$210.00} when I finally received the check it was for {$170.00}. Where is the {$33.00}? I need assistance because I have a feeling I 'm going to get the run around with the company.
Consumer complaint received 2016-10-20
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: U.S. BANCORP (FL)

Last week I was contacted by phone by US Bank from an unknown number and was left a message about possible fraud on my US Bank issued credit card. I initially disregarded the call, because I do not have a US Bank credit card. I do, however, have a loan with them. Curiosity got me and I looked up a number for the US Bank fraud department and called. After speaking with the agent, we came to the conclusion that it was indeed an account that was opened in my name and identity theft was suspected. After I was transferred to the appropriate department, they informed me that the fraud was noted and they would send me more information in the mail. The next day, I needed to contact US Bank to check on the status of my loan 's payment status. While on the phone I was looking at their web site checking on my loan account there. The web site had the address of the fraudulent applicant! However, on the phone, I was told that the loan department had my correct information. I asked the loan department how and why this had happened, they said that it was the fraudulent credit card application that changed the website information. To change the information on the website back to my correct address, they transferred me to the credit card fraud department, which told me I would have to change the information on the website myself, that is, login and edit the information. So I went to the page only to learn that by changing the address, the bank would mail notification of the change to the prior address -- the fraudulent one! The US Bank informed me there was no way to fix that. So the identity thieves are going to be notified that I am on to them. US Bank also informed me that even though someone -- not me -- had opened a fraudulent account in my name, it was MY onus to make sure the credit agencies were notified. US Bank said they would only notify the credit agencies after US Bank sent me a regular post letter confirming the fraud. It is now over a week and I have yet to see that letter. I went ahead and notified the credit agencies on my own in the mean time. I have since been contacted by US Bank Fraud investigator, who informed me that not only had the card been sent to a different address ( the fraudulent address that was on the website ) than what I had on file with them, but that the card was also activated by a number that was n't mine. That is, the bank issued someone a card who gave them the INCORRECT phone number and address associated with my name. They in fact admitted that the information received was erroneous, but STILL issued a credit card.
Consumer complaint received 2017-01-11
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Asset Recovery Solutions, LLC (TN)

XX/XX/XXXX XXXX XXXX XXXX took action to collect debts for student loans for which I requested verification. I was told over the phone I had used all in-school deferment and they were going to report it to the credit bureau without verifying because they did n't have to verify at this point. I never claimed ownership of the loans, I asked for all communications to be written because the employees of XXXX XXXX XXXX would call 6-10 times a day from different numbers and yell and communicate threats to me. When I told them I was in professional school they got even more aggressive and called 6-10 times daily from XX/XX/XXXX-XX/XX/XXXX to " intentionally disrupt me until I make a payment. '' Then XX/XX/XXXX they did negatively impact my credit and I sent them a legal document detailing every illegal thing they did in a letter letter with the help of PACER.GOV along with a police report filled for harassment and again asked then to keep communication civil and written so that there can be clear language used to discuss the loans XX/XX/XXXX. They never responded nor did they ever attempt to verify, they never tried to contact me again. XX/XX/XXXX they handed my accounts over to Asset Recovery Solutions , LLC to which I requested them to verify claims made by XXXX XXXX and requested that they not contact via phone but that they mail a letter as well.
Consumer complaint received 2017-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ad Astra Recovery Services Inc (TX)

Ad Astra refuses to VALIDATE this account. I received no documentation validating this debt as legally requested The right of subjugation does not exist for a stranger to the transaction. XXXX XXXX XXXX, XXXX XXXX. This company is required under the FCRA to have properly verified the accuracy of an account listed on my credit report. Where are the documents that you used to verify/validate these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number. XXXX 's XXXX XXXX, XXXX Edition, XXXX, defines " Verify '' as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) " To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and " Verification '' as, " Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. '' Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a " Reinvestigation '' that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). This is a request for VALIDATION. Provide me proof I have a signed contract with your company. All this has occurred at the end of XXXX and month of XXXX