davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-23
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

A company advertising as XXXX online trial for skin cream. On XXXX XXXX, 2016 I ordered the trial. I careful looked to see if there was any recurring charges on this ad as this XXXX becoming an epidemic when ordering products none was shown. I ordered the product and my charge was billed for the trial of XXXX. On XXXX/XXXX/16, I noticed a charge on my credit card for XXXX. I had not authorized any charge and called my credit card company. I was told that it showed preauthorized and asked to call the number on the charge receipt. I did so and it was an overseas company. The representative indicated that I had ordered the trial and by doing so I agreed to recurring charges. I shared that no such language was on the original order site nor was it on the emails confirming the shipment. I was told it would be canceled. The company showed the cancellation was made as of XXXX/XXXX/16, however I called on XXXX/XXXX/16 and then called back on XXXX/XXXX/16 as I had not received a confirmation of the cancellation. I was told I would receive this and to date it still has not been issued. I am submitting this to CFPB due to the fact that this company, though they show my cancellation still expects to get paid for a product that was never shipped other than a trial. I disputed the subsequent charge to my credit card company in XXXX and on XXXX XXXX received some documents from a different company about an agreement for recurring order on a different product. The company changed its name & product. I ordered XXXX, which is on my original order receipt and a company called XXXX XXXX responded to my credit card company. I never order anything from XXXX and never agreed to any type of recurring shipping of the product nor did I receive any subsequent order of the product. I believe this company should be investigated for fraudulent advertising and charging consumers.
Consumer complaint received 2016-11-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX has placed mortgage loan on my credit account number ending in XXXX this belongs to my father at the same address. I have asked several times for it to be removed. All three credit agencies refuse to move the information. yet fail to provide me with any validation of the loan. Recently, I sent each agency documents showing the loan ending in XXXX was not my loan. That I had another loan with my father ending in XXXX ... I sent them copies of the original documents of both loans.. They still refuse to remove the XXXX credit from my file and still provide no hard evidence as to why. I have been sending letters since the beginning of XXXX. To both the credit agencies and to XXXX XXXX XXXX and I am getting no where. Transunion - Dispute Results From TransUnion TransUnion received your request on XXXX XXXX, 2016 and completed their investigation on XXXX XXXX, 2016. Please review the results carefully. 

Result : Based on your dispute request, TransUnion has included new information on your TransUnion credit report. 

If you are not satisfied with the results of your dispute request investigation, you may complete and submit a Request for Investigation directly to TransUnion at the address below, along with any supporting documentation. You may also request that TransUnion add an explanatory statement of XXXX words or less to your credit report. 

Account Name Account Type Open Date Status Balance XXXX Mortgage This is at least the third time I have disputed this information with Transunion especially and with XXXX XXXX XXXX as well. Where do I go from here..
Consumer complaint received 2016-11-28
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NV)

First, XXXX did not disclose options for student loans. We were told that the only way to go to the school was by means of using Sallie Mae Loans. We were also told that the loan amounts were a different number than what the lenders are saying. The interior design department closed right after my graduation in 2008 and then the entire school shortly after that. Sallie Mae has charged huge interest fees, pulled loans out of deferment and forbearance months early and reported fraudulently to the credit bureaus that the payments were late. Both Sallie Mae and XXXX are reporting inaccurate information on my credit report in terms of lates, balances and charge offs. They are refusing to cooperate by sending over the required documentation such as signatures as evidence of exact loan dollar amounts and balances owed. They also did not mark my account as disputed within the 30 days of writing to them regarding this matter.
Consumer complaint received 2016-09-12
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: BARCLAYS BANK DELAWARE (AZ)

Between XXXX and XXXX 2015 Barclaycard lowered my credit limit in what appears to be a discriminatory practice since no credit terms had been violated. I have no 30 day lates and terms were honored on my end as a consumer yet my credit limit was lowered. This unfair practice resulted in a more adverse credit utilization metric.
Consumer complaint received 2016-10-21
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

I have tried several times to cancel my Bank of America, XXXX XXXX XXXX, Visa card. After I click the button to tell them I want to cancel but not because of lost or stolen card, they transfer me to another line which tells me either they are very busy and to call back or they give me the option to choose a call back from them within a certain amount of time. I never receive a call back. 
I think this is an attempt to prevent me from cancelling the card and that I will get tired of the run around and forget about cancelling the card.
Consumer complaint received 2016-06-25
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Stanislaus Credit Control Service, Inc. (CA)

I have a derogatory mark on my credit report from an open collections account from Stanislaus Credit Control. I never received any phone calls or letters from them since the account was opened six years ago. For the past month and a half, I have tried calling and e-mailing them multiple times but have not heard back. I would like to settle this debt but am unable to get in contact with them. It is hurting my credit and I want the account closed.
Consumer complaint received 2016-11-28
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: WELLS FARGO & COMPANY (NM)

Wells Fargo opened an account without any type of authorization from me. I do n't use any of their services ; I have no pre-existing relationship with them. I received a pre-paid debit card from them earlier in XXXX. It would appear that Wells Fargo needed to meet some type of quota and is fraudulently opening accounts in people 's names without authorization from them. It does n't appear that someone outside of Wells Fargo opened this up because it 's a pre-paid card and it was delivered to me and not somewhere else.
Consumer complaint received 2016-05-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (CO)

I am offered a Modification with very little information other then a Trial Payment of {$2700.00} from SHELLPOINT MORTGAGE SERVICING- The Contact agent will not give me the interest rate or the MORTGAGE AMOUNT- this is the third time and I am not going to pay {$8300.00} to fined out in XXXX to XXXX that a TON of Money is added to back end of the new NOTE-
Consumer complaint received 2016-12-28
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

I opened a checking account as per the bank 's promotion offer in their website. 
After fulfilling the requirements, bank is not honoring the bonus saying the offer was n't applied correctly or it had expired when I used it. 

I actually have the copy of their promotional offer.
Consumer complaint received 2016-05-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

Mortgage company is overcharging me for interest and fees and refuses to correct problem. 
Interest rate is supposed to be 2.75 % of {$270000.00} of {$630.00} per month and they have been charging me {$1400.00} per month as well as other fees they make up like taxes and insurance that I pay not them and misc. fees they tack on every month. This has been going on since 2009 and they refuse to correct the problem. The company is SPS Select Portfolio Services in Utah. If you look on the internet they have been doing this to XXXX people and no one can do anything about it. If they are not a criminal organization I do n't know what is. The FBI should look into their practices as they are doing this to countless others. I have also paid them close to {$50000.00} in payments through the bankruptcy court and they refuse to give me credit for these payments.
Consumer complaint received 2016-11-23
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Midwest Recovery Systems (PA)

Had a collection notice from midwest recovery services appear on my credit report for a payday loan front XXXX for {$770.00}. After checking with them I was told there was a loan deposited into an old bank account in XX/XX/XXXX however I contacted the bank and that account was closed in XX/XX/XXXX and I filed bankruptcy in XX/XX/XXXX.
Consumer complaint received 2016-11-28
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY (VA)

This morning I went on-line to my American Express account and noticed that my account was 19 days past due. I promptly paid the amount that they requested online that would bring the card immediately current. I paid by having the amount deducted from my bank account on the same day. Thinking that the matter was settled, I then called American Express to explore my " Membership Rewards '' options, because I have accumulated a lot of points. When I asked to speak to the Membership Rewards department, I was interrupted by a customer service representative who asked me to pay an additional amount -- any additional amount. When I asked her what the benefit of doing so would be, she simply said that it will reduce my future invoice. When I asked again what the benefit to me would be of paying an additional amount, she said that she would put a positive note into my account. When I asked her if this would have any impact on my credit score, she said no, it would not. The representative could not articulate for me what benefit would accrue to me from any additional payment. Yet, the representative kept me on the phone for 15-20 minutes and would not connect me to Membership Rewards until I paid an additional amount. I paid {$2.00} more and then when she connected me to Membership Rewards, the office was closed. This was an incredibly frustrating experience and waste of my time. My issue is not with the customer service representative. My issue is with American Express 's practices. I have been a card member for 22 years and have never had to complain before, but this was beyond the pale. American Express needs to change their abusive practices.
Consumer complaint received 2016-11-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Creditors Specialty Service Inc (OR)

I received a telephone call today around XXXX on my cell phone asking for someone other than me. I explained they had the wrong number and then they stated that they just received my number and then said my name. This automatically put me into a panic because they originally had asked for someone else. They never once stated their business name only stating that they were attempting to arrange financial arrangements for a debt from XXXX in California in the amount of XXXX $ and wanted to see how i would go about paying for this today XXXX/XXXX/16 Or they were going to report this debt on my credit and ruin my credit if this was not paid. I told them I would call them back because I 'm not aware of this debt. I called XXXX at XXXX and a man answered the phone CCS. I wa put on hold and then transferred to a rude man by the name of XXXX who kept saying your name is on the paper so you are responsible. my credit is not great but I 'm working on that and I find this unfair and also illegal because no one has the right to threaten you to get you to pay a debt from over 3 years ago. Thank you
Consumer complaint received 2016-09-12
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CITIBANK, N.A. (NY)

On XXXX/XXXX/2016 my card was declined and I called Citibank. I was informed that my account was over drawn by over {$6000.00}. I asked how and they told me a payment to XXXX XXXX for {$10000.00} had been posted. It was not a payment I authorized. I asked who the card holder was and it was someone I knew. I spoke with him and we figured out that I had paid his card at some point because I owed him money. They payment information was stored and mistakenly used to pay the {$10000.00} bill. Citibank says the money was taken from my account and XXXX says the payment was dropped once they were contacted about the mistake. My account is over drawn, I 'm being accessed fees, and payments are bouncing. I have been told that it could take up to 90 days before the charge is removed from my account. They also withdrew money from my savings account to pay for the over draft.
Consumer complaint received 2016-11-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Sentry Recovery and Collections, Inc. (CA)

I HAD LIVED SIMPLY SHORT TERM CONTRACT APARTMENT WHICH IS NEAR XXXX AREA STUDIO COMPLEX APT , CITY OF XXXX, XXXX. 
I ALMOST LIVED APARTMENT NAMED AS XXXX AT XXXX, XXXX, LEFT CONTRACT PERIOD 1 OR 2 MONTH. 
AT THAT TIME I HAD GOOD PAYMENTS SO FAR, THEN I HAD CONTRACT JOB AT XXXX, XXXX CONTRACT TRAINING BEGIN THERE 3 MONTHS SCHEDULE, PROVIDED EMPLOYEE DORM, IT WAS XXXX XXXX COMPANY. 
SCHEDULE ARRANGEMENT FROM CO. ON CALL JUST BEGAN AND I WAS LIVING MYSELF IN APT , SO I MADE EXCUSED TO APT MANAGER FOR THIS MATTER,, I EXPLAINED THIS SITUATION AND APT MANAGER UNDERSTOOD AT THAT TIME, SO I MADE A DEAL MY SECURITY DEPOSIT WILL GIVE APT MANAGEMENT, AND NOTICE THEM ABOUT 1-2 WEEKS, SHE TOLD ME NO PROBLEM AT THAT TIME, I HAD INSPECTED AND GIVE APT DOOR KEY, AND MOVED OUT IN CLEAN CONDITION. UNFORTUNATELY APT MANAGER REPORT ON MY MAJOR CREDIT REPORTS.
Consumer complaint received 2016-10-21
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (TX)

Citi failed to send me a bill for two months. I had a XXXX balance on the account. I made a payment on XXXX and was told that they would only be able to credit one late fee and that I had a remaining balance of XXXX late fee. I received an paper bill with another late fee of XXXX. The manager said that the email was not returned to them and could not credit the late fee. I was told that the last fee applied on XXXX was for the month of XXXX.
Consumer complaint received 2016-11-28
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (MA)

CREDIT REPORTING COmpanies are required to give a free credit report annually. When I went on line to request my Experian credit report, as I do every year, I filled out all the information, and got this message : " A condition exists that prevents Experian from being able to accept your request at this time. '' And was told to submit a form in writing. I XXXX that phrase and found that thousands of other people are getting the same message. It seems obvious that Experian does not want to provide their required-by-law free credit reports and is doing this to discourage participation in this useful service.
Consumer complaint received 2016-06-24
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY (CA)

COSTCO XXXX & OPM SECURITY FAILURE. As a federal employee affected in the Cybersecurity Incident XXXX XXXX XXXX notice I was supposed to have a lock on credit. In XXXX XXXX I closed my COSTCO XXXX XXXX account. I asked at the XXXX XXXX store and was assured they would not issue another card. 
I am in receipt of a Citi COSTCO VISA card valid to XX/XX/XXXX, credit limit {$9300.00}, ending in XXXX. 
How was my credit report available to Citi VISA? 
Did XXXX violate my privacy and give my closed AMEXP credit information to Citi XXXX? 
How did the OPM cyber watch dog program fail? 
Did the lock ( XXXX XXXX ) on the credit firms ( XXXX, XXXX, XXXX ) all fail? 
How can Citi VISA just issue a credit of {$9300.00} to me without my request or permission, or any security on that credit? 

Which firm, COSTCO, XXXX XXXX, Citi VISA, is responsible for issuing a line of credit to XXXX XXXX without her knowing, is n't that ID theft? 
Who is using the XXXX XXXX account that I closed? Who accessed that account and how did they access that account?
Consumer complaint received 2016-11-24
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (AZ)

AT & T Universal Card ( MasterCard ) cancelled our account without providing any notice on XXXX/XXXX/16, even though I used my card successfully on XXXX/XXXX/16 at XXXX to place an order for about {$50.00} ( Order Number # XXXX ). I tired calling AT & T Universal Card to have the account reinstated but they said no, that we would have to re-apply. I have no problem doing so, but we should n't have to go through that. Account closures affect credit scores and thus I would appreciate your help to get this account reinstated.
Consumer complaint received 2016-05-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: RS Clark and Associates, Inc. (GA)

On XXXX 2016 I made an attempt to rent a washer and dryer from a company XXXX XXXX XXXX XXXX recommended by an apartment community manager. The machines were not suitable for use when delivered and the delivery person damaged a wall and floor in my home and as a result I attempted to seek payment for the damages as well as make arrangements to have the machines replaced. The delivery of the replacement machines were delayed several times and ultimately this delay resulted in me cancelling the order and requesting a refund and that the company pick up the machines that had been delivered. When the refund was not immediately returned I filed a complaint with the XXXX on XXXX. After the complaint was filed with the XXXX I received a refund and the machines were removed from the apartment. I received email confirmation from a representative from the Appliance Rental company on XXXX. On XXXX XXXX I received a letter dated XXXX XXXX, 2016 from a collection agency stating this Appliance Rental company had turned over a collection of {$40.00} to them. This debt is a false claim from a company that has decided to retaliate because of the XXXX complaint filed.
Consumer complaint received 2016-11-26
Product: Debt collection — Auto
Issue: Communication tactics — Threatened to take legal action
Company: U.S. Auto Credit Corporation (GA)

I received a collection letter and sent debt validation letter within 30 day period. company continued collection activity by calling me twice before verifying debt attempting to collect asking if i wanted to make arrangements to avoid litigation. they lied and said that they sent verification but they did not. they " claimed '' they sent to the incorrect address. both times i told them that i did not want to discuss until i received verification. they finally sent the verification and when i opened their letter, it was dated 3 days after their last phone call to me where i told them i would not discuss this until i receive proper verification. i was called again last week and told them i was researching what they sent me and they gave me a deadline and threatened to sue me again. the information they sent me was fabricated and unauthenticated. also per ucc, not only did the oc lie about the sale of the vehicle, they failed to send proper legal notices and is not due a deficiency judgement. and they better not lie in their response because i have every single detail well researched and documented. this has stressed me out completely and i have spent hours of my time researching this issue when i should not have to.
Consumer complaint received 2016-11-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (UT)

After many years of enduring the difficulties of dealing with Greentree, now Ditech Mortgage, and paying their very high interest rate. My wife and I were able to improve our credit standing and refinance the high interest loan to a much lower rate with a local financial institution. We obtained a payoff letter from the Ditech website and our new company sent the funds as calculated by Ditech. The payoff amount was posted on XXXX XXXX, 2016. Instead of applying the total amount of the payoff to the principle portion remaining, Ditech applied {$1700.00} to the XXXX payment, and then the remaining portion of the payoff amount to the principle balance. Now they claim we owe an additional {$250.00} and change to pay off the remaining balance. Why would they not just pay off the remaining balance, the amount they gave us in the payoff letter?? Because applying it as a monthly payment creates just the scenario I have described. Once again Ditech/Greentree has exhibited the pattern of predatory lending practices, and their desire to charge customers every pound of flesh that they can.