davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HW Holding, Inc (TX)

I would linke to request that HUNTER WARFIELD verify the following information : 1. Full original account number 2. Date original account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of first delinquency 6. Dates and times of any phone calls made and to what phone number in attempt to contact me concerning the alleged debt before it was reported to CRA, and so proving that these calls were made within the times governed by the FDCPA law.

If HUNTER WARFIELD is unable to provide the above identifying account information, this account must be deleted from all CRAs. HUNTER WARFIELD also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law. 

I've spoken with them numerous times about the validation of this debt. They've provided me with documentation that doesn't prove what debt is owed. Also, my signature is not on any of the paperwork. I never received any notices from this company. I didn't know I owed this debt until it showed up on my credit report. Please remove from my credit report immediately.
Consumer complaint received 2018-01-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NY)

I have been on IBR for a year due to my income. It was time recertification and I did not get the email in time. They debuted XXXX out of my account instead of the XXXX. I then had to call the bank to stop the payment but they couldnt and I had to file a claim. They did this twice in XXXX and again now in XXXX. 
XXXX XXXX stated theta they put a hold on my recertification application but still put in for the money to be taken out. I was unaware of the hold until I called hem today. They said they couldnt stop it from being taken out because it has to be done within 3 days of the withdrawal. This has been an inconvenience and no one is trying to rectifying the problem. I want to pay my loan back but at the rate hat I was paying it last year.
Consumer complaint received 2018-01-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (TX)

On XXXX XXXX, I purchased XXXX BTC for {$700.00} plus {$28.00} in fees from Coinbase , Inc . The fees were due to the use of a credit card for the purchase. The purpose of using a credit card was the instant purchase - bank purchases take 5-7 business days. The purchase was confirmed, with reference XXXX. The BTC did not instantly arrive in my account. The day was a high volume trade day, and Coinbase , Inc. struggled to stay live, with periodic outages during the day. When the instant purchase still had not cleared on XXXX XXXX, I contacted Coinbase - the transaction showed as " Pending '' online. I requested that the credit card fees be waived, as the " instant '' purchase was no longer instant. I again contacted Coinbase on XXXX XXXX, as the transaction was still marked as " Pending. '' On XXXX XXXX I received an email from XXXX, replying from XXXXXXXXXXXX, informing me he referred the matter to a specialist who would " follow up with [ me ] as soon as [ they ] have an update. '' Two days later, on XXXX XXXX, I again wrote to follow up, having received no response. I again wrote to Coinbase on XXXX and XXXX XXXX, following up on this purchase, which still showed as " Pending. '' Today, on XXXX XXXX, I finally received a response from Coinbase , Inc . They cancelled my purchase, writing, " When we attempted to process this transaction it was canceled by your bank. If your payment method was charged, you will receive a full refund. '' This, it turns out, is patently false. I have contacted my bank and they have no record of any attempted transaction for the amount in question. They have the credit card transaction from earlier that day for the amount of {$1200.00}, and subsequent transactions from XXXX, XXXX, XXXX ( two ), and XXXX XXXX as well as XXXX XXXX. There is no issue with my bank or the card. Coinbase did not process the instant payment for a transaction they confirmed. 

Since the fault is not with my bank or method of payment, I expect Coinbase to honor the purchase of XXXX BTC for {$700.00}, and to waive the {$28.00} fee. As noted above, Coinbase experienced multiple service outages on XXXX XXXX, and I am in disbelief that they wish to blame an external party rather than accept responsibility for their insufficient transaction capacity. Many people attempted transactions that were not processed or confirmed - while that is disappointing, such instances differ from this one, in which I had a confirmed transaction at a time in which Coinbase 's system was functioning.
Consumer complaint received 2017-06-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

There is a new york state tax lien that I have been battling with Transunion and XXXX to delete after the lien has been satisfied immediately through direct paycheck deduction. I have suffered enough through wage and account garnishment. I requested for XXXX and Transunion to furnish me with the phone number of the agency that provided them the information.. I was referred to XXXX County Registry. The registry said they do not report to credit bureau but their records are open to the public. Since the lien has been paid and NYS wants it to be deleted after satisfaction, please compel these Bureau to delete the record. <P/><P/>XXXX
Consumer complaint received 2018-10-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (CO)

I have repeatedly requested information on 1 ) how to remove escrow from my mortgage account with Caliber Home Loans, 2 ) and have twice requested by written letter it be removed. 

I requested the escrow account be ended on at least 2 separate occasions before I received instructions on the required process. The first was over the phone after I recast the loan following a very large principal payment on XX/XX/XXXX that put the mortgage account well over 20 % equity. That was followed by messages submitted in the online messaging center and over the phone in XX/XX/XXXX and XX/XX/XXXX. This was a long, drawn out process due to the fact that at every step of the process I was given incomplete information ( e.g., it took two months and multiple requests for the required recast request form to be sent. When I submitted the recast request, I included a note to remove the escrow. This was ignored. Eventually, I decided to wait until my homeowner 's insurance and property taxed were paid before removing the escrow account. 

On XX/XX/XXXX, I sent a signed letter with the instruction to remove my escrow account to the address provider ( Caliber Home Loans, Inc Attn : Escrow, XXXX. XXXX XXXX, XXXX, Ohio XXXX ) On XX/XX/XXXX, I sent the request again via certified mail which was delivered on XX/XX/XXXX at XXXX XXXX. 

I am today filing this complaint with the Consumer Finance Protection Board and sending a letter ( via certified mail ) to Caliber 's inquiry and dispute address : XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX.
Consumer complaint received 2018-10-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BBVA FINANCIAL CORPORATION (CA)

I have an available balance in my account - i use the money - then i have an automatic draft hit my account and bring me a negative balance at which point all the transactions that i did before this will get an overdraft fee. VERY UNETHICAL
Consumer complaint received 2018-05-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (OK)

Open account with Care credit back in XX/XX/2014. I use the credit card a few times but didnt actually receive any services because I had a change of heart they refunded everything expect XXXX plus interest back and late fees mind you I never received any services from these places I was going thru ... I made a few attempts to try to settle by paying them XXXX a month until XXXX was paided in full but they directed me to their lawyer ... A lil bit away this happened I check my credit report and they are on their saying I owned them XXXX!!! I never even received any services so Im confused on why should I pay something thats no being received ....
Consumer complaint received 2018-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HSBC NORTH AMERICA HOLDINGS INC. ()

I am a US Citizen temporiraly living in XXXX, XXXX. 

Short story : My birthday is wrong in the HSBC system, and I can no longer log in to my account. I need my birthday changed. I have spent well over 4 and a half hours ( about 273 minutes by my count ) either talking to HSBC reps or on hold trying to fix this  problem. 

The way I see it, HSBC has stolen my money and time. 

Long story : 1 ) After coming back from vacation, I tried to check my account on Sunday, XX/XX/XXXX. Security features had been added which asked for my birthday. I put in all the correct details, and it would not let me log in. 

2 ) I called HSBC for the first time on XX/XX/XXXX. I told the representative what was wrong. I had not changed my password. He told me to change my password. I still couldn't log in. He told me to change my password again. I still couldn't log in. He said try again later. That phone call took 39 minutes and 50 seconds. 

3 ) I tried again later on XX/XX/XXXX. It did not work. I called again. They again asked me to change my password. After I explained that that wasn't the issue, I did it anyway, and it did not work. The representative did not know what to do. That phone call lasted 43 minutes and 45 seconds. 

4 ) At work Tuesday morning ( XX/XX/XXXX ), I tried to log in again, and it did not work. I tried talking with the online chat. After explaining the situation, they told me to call HSBC. The online chat took 30 minutes. 

5 ) I called HSBC three more times with the number the online chat person gave me. I got no response as it was not US business hours. 

6 ) The online chat person gave me a different number. I told the representative the entire story, she had me change my password again, again, it did not work. This representative noticed that my birthday was in the system wrong ( even though I asked the first rep if it was correct ), but told me I had to wait to call during US business hours. That call took 29 minutes and 2 seconds. 

7 ) I called again later that day, but it was no longer during US business hours. It took 7 minutes and 26 seconds to find that out. The representative took my number and said  they would call me back, they never did. 

8 ) I called again yesterday ( XX/XX/XXXX ), during US business hours, explained the situation, and was put on hold. I waited 1 hour, 2 minutes, and 22 seconds. I was not connected to anyone. 

9 ) I hung up and I called again, again I explained the situation, and the representative told me that she was putting me in a " priority queue '' and that this situation would be resolved today. I waited on the " priority queue '' for 39 minutes and 38 seconds.

10 ) I hung up and I called again, again I explained the situation, and again the representative tried to connect me to another department and I was put on hold. I waited 22 minutes and 42 seconds, and then HSBC disconnected the phone call. 

I still can not access my account.
Consumer complaint received 2018-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

The credit accounts stated on my credit report as delinquent or charged off is baseless in fact. The creditors in question is using the doctrine of account stated. There is no signed contract, nor is there any proof that the account is mine, there is no proof that I used the card in question or agreed to any alleged debt reported by the lender in question. Their claims are completely baseless and must be deleted since there is no proof of any contract between me and them, and therefore there is no permissible purpose under the law to report this data on my credit report. 

Please Delete the following accounts. 


XXXX account ( # XXXX )
Consumer complaint received 2018-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (TX)

My credit cards were stolen last year including Chase ending in XXXX. My credit dropped from 700 's to below 500 's. All credit companies have worked with me except Chase Cardmember Services, XXXX XXXX XXXX, XXXX Delaware XXXX. I had health issues, then theft, then Hurricane Harvey, 34 '' water in home, lost office, a catastrophe that is still existing. Chase said that I said " I can't remember '' or I don't know and based their decision on tha and that I didn't contact Chase, Didn't make payments on card, and didn't contact Chase until XX/XX/2018. This is not true. Chase doesn't understand being overwhelmed or catastrophes. Chase allowed the thief to make payments that then bounced thus allowing the thief to go above all credit limits. Chase did not research the accounts used to make these payments and will not send me the account info used thus protecting the thief. I have been very open and will assume all debt that was mine prior to theft. I was coerced by Chase collections to make a payment and then fraud department said I assumed the debt by making a payment. I want to pay only what I incurred and I want to continue payments as before theft.
Consumer complaint received 2018-10-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (IN)

I am reaching out today in hopes that you can help me resolve an on-going issue. On XX/XX/18 my account number ending in XXXX was charged a debit of {$500.00} for a transaction with XXXX. I have never had service with XXXX nor did I authorize this charge, so I immediately disputed it. I was under the impression that this issue was resolved, however on XX/XX/18 this disputed transaction was re-debited from my account. Since then, I've spoken to several people in the disputes department in an effort to resolve this. As of today, nothing has been resolved and I have yet to get someone to help. I am hoping that you can help me rectify this on-going issue.
Consumer complaint received 2018-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

You as a credit reporting agency continually keep returning my disputes back as verified. How is this possible if by design they never actually conduct an adequate investigation? It is public knowledge that they simply verify the disputed items by using the XXXX system. According to the FCRA this is in no way an adequate for an investigation. I have over the course of three rounds of letters have sent demands of validation and verification to the creditors and collection companies. Since there has not been an investigation into these accounts I am DEMANDING an investigation into these accounts. I am aware of your business model you are in no way responsible for the wellbeing of the public nor do you care. You are simply a data collection company that conducts only b2b business, for the sole purpose of selling data to the highest bidder, and the integrity of that data be damned. There is no actual verifiable proof that these items are in fact mine. Under the UCC have you researched or attempted to compile any contract between me and the alleged creditor, I can give resound NO YOU HAVE NOT! I therefore DEMAND that you do a thorough investigation into these accounts as required by law.

Please Delete the following accounts.

1. XXXX XXXX XXXX credit record ( # XXXX ) 2. XXXX XXXX XXXX   credit record ( # XXXX ) 3. XXXX XXXX XXXX credit record ( # XXXX ) 4. XXXX XXXX XXXX credit record ( # XXXX ) 5. XXXX XXXX XXXX ) credit record ( # XXXX ) 6.  XXXX XXXX credit record ( # XXXX ) 7. XXXX XXXX XXXX account ( #  XXXX ) 8. XXXX account ( # XXXX ) 9.  XXXX XXXX credit record ( # XXXX )
Consumer complaint received 2018-01-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: STERLING JEWELERS, INC. (AZ)

On XX/XX/XXXXI paid the full balance off My Jared Jewelry account in the amount {$430.00} at the XXXX XXXX XXXX store located at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. I received a notification that my account was 30 days past due and now have a 30 day delinquency on my credit report, this has dropped my credit score by 64 points. I contacted XXXX XXXX XXXX XXXX on XXXX XXXX to have this corrected. I was told the {$430.00} payment I made was applied to the wrong account. I was advised it would be correct with 24-48 hours, it wasn't. After weeks I re-contacted XXXX XXXX XXXX XXXX on XXXX XXXX and I was told by a supervisor nothing was done to have this issue correct from the last time i called on XXXX XXXX the funds are still in the wrong account and the Credit reporting agency have not been notified to remove this 30 day delinquency and report the account with a XXXX ( XXXX ) balance and current. I am in the middle of buying a home and this is putting my home loan approval at risk.
Consumer complaint received 2018-01-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (MN)

I bought my property in XXXX XXXX for {$290000.00} and was financed through XXXX XXXX XXXX XXXX. Within 2 months the loan was sold to Chase Home Mortgage.My initial Mortgage was {$1800.00}. This amount quickly doubled within 2 years First it was {$2200.00} and then {$3600.00}, but when it got to {$4200.00}, i contacted a broker who worked with Chase to get my mortgage reduced and my interest rate peg at 5.35 % for the life of the loan.After this I noticed my principal balance started increasing and I contacted Chase about this in XXXX and XXXX. I was told that they ( Chase will look into it. On my last review I noticed that my principal balance has ballooned to {$340000.00}. I called back to Chase in XXXX XXXX and I have been in constant communication with them since. The contact man is XXXX XXXX who told me in XXXX XXXX that an issue was discovered and it was a mistake made by Chase.He said and amount of {$88000.00} will be deducted from my Balance and a check for 20 % of tat amount will be issued to me which will be reported to the IRS as an income to me. On XXXX XXXX, XXXX I received 5 letters from Chase and they want me to have a 6.45 % interest rate as against 5.35 % that I had before and an increase of {$980.00} in mortgage payment to begin XXXX/XXXX/XXXX just 5 days away. Everything was just unfair to me. I did not make a mistake, they did.i had not asked for a refinance so why would my interest rate be adjusted to 6.45 %? The claimed that I had paid {$110000.00} to date so why is my reviewed principal balance now {$220000.00}. They have not issued me a check for the 20 % of the recalculated amount that was misapplied.
Consumer complaint received 2018-01-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: U.S. BANCORP (GA)

For more than 1 year, I tried to close this US Bank Checking Account because they convinced me to open a 2nd account when I did not need it. When I tried to close the account because there were no branches where I lived, and besides their fees were due to the cost of the new account. When I travelled XXXX on business, 3 different times I went inside the branch inside the XXXX supermarket to close my account, every single time it was a different excuse # 1 the manager has to close the account # 2 I 'm new and I need to wait for the manager to help me close the account # 3 Similar situations not to mentioned the numerous phone calls. So I stop using my primary account because they kept taking money to cover the cost of the account that I never wanted. 
Now, not only did they finally close the account but US bank closed my primary account and with a negative balance plus reported me to the XXXX. I 'm furious! So why did they keep my savings account open???? This is totally ridiculous! I 'm reporting them so other consumers can be aware! and they MUST fix this wrong!!!
Consumer complaint received 2018-01-05
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: DISCOVER BANK (UT)

I have had my Discover Card for 20 years! Never late and always a good customer. Well I have n't used my card in awhile so it had a XXXX balance. I have n't got any notices from Discover Card, no  statements or anything. 
Im in the process of buying a house and my lender pulled my credit and there is a 30 & 6 day late XXXX & XXXX of 2017! It showed currently late for a charge of {$25.00} that I did n't make. I called them and they were very rude to me advising me they sent something to my email but I checked my emails and junk and there is NOTHING! 
I am never late on anything with my credit and if I had received a notice I WOULD HAVE took care of it! I mean they can see on my account that I am not someone who is late. 
They were so rude that I closed my account and just paid for the charge.

Discover Card should have disputed the charge for me and the late payments etc would have been reversed and the account would have been fixed. 
But they refuse to help me. One their site they even have a GOOD WILL CLAUSE! On their commericals they claim how they will help you yet they would prefer to lose a long lasting customer of 20 yrs for a mistake charge. I have contacted them several times to fix my account and reinstate it but nobody will help me. 
Because it was n't my fault and because I never got a notice I would like the late payments removed and my account reinstated - open again.
Consumer complaint received 2018-10-28
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Franklin Collection Service, Inc. (MS)

It was not me dont know ware the bill come from having been to a hospital in eight years XXXX XXXX XXXX XXXX say I owe them I dont know ware they come up with that bill it worng for them to put it on me I dont owe them it was not me they have a collection on my report Franklin collection service {$100.00} its not me have no idea why it is on my report open XX/XX/2016