davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (CA)

I cancelled the application but they STILL pushed it thru WITHOUT MY knowledge.My credit is reporting I have the amount available WHICH I DO NOT they refuse to remove it from my credit.SO OVERALL the amount they say I have is a fraud..I DO NOT HAVE THIS ACCOUNT or have any credit amount from them
Consumer complaint received 2018-04-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (MD)

On XX/XX/XXXX, I noticed two transactions posted to my PayPal account for {$59.00} each for XXXX. I contacted XXXX the same day and notified them that they were unauthorized. They issued a refund and I changed the password to my XXXX account as instructed, ( my paypal account was listed for my annual renewal of XXXX office ). On XX/XX/XXXX another XXXX debit for {$89.00}. I was on the phone with XXXX for 2.5 hours and even though I changed my password the day before the hackers informed XXXX that they forgot the password and allowed them to change my password and updated the XXXX so I now I do not have access to my account. They were unable to track the payment that posted on XX/XX/XXXX or the payment I actually initiated to download XXXX office for {$99.00} on XX/XX/XXXX. They informed me that I needed to establish a new XXXX account which I did and to inform Paypal that both the {$99.00} and {$89.00} transactions were unauthorized so a credit could be issued. Then I was to repurchase XXXX office for the new account. They could not find the transactions since my username was now changed and they could not see the transaction with my paypal account info at all. I informed Paypal on XX/XX/XXXX and opened Dispute Case ID : XXXX Transaction ID : XXXX and Dispute Case ID : XXXX Transaction ID : XXXX. Paypal provided a provisional credit the next business day but recently debited the amounts again claiming I authorized the transactions which I did not! Paypal can verify that the other debits were refunded by XXXX and can clearly see this was fraudulent activity. Simply stating that because I previously allowed a debit for XXXX is not proof that I made these purchases.
Consumer complaint received 2018-04-08
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: BARCLAYS BANK DELAWARE (NY)

on XX/XX/2017 a $ XXXXwas billed to my credit card account with Barclaycard XXXX. XXXX XXXX DE XXXX from a company called XXXX this transaction was 1- unauthorized 2- the credit card failed to provide me the original sales draft as they indicated in there letter to me dated XX/XX/2017 3- I did not use any service from XXXX 4- I did not authorize XXXX   to charge my account 5- My credit card was stolen and I advised the credit card company to that effect and they sent me a new card but they failed to disallow the unauthorized transaction. 6- I did not singe any document authorizing this transaction 7- this transaction was a clear violation to the terms and condition between me and the credit card company. This transaction was a clear FRAUD that the credit card co. failed to STOP. 8- After I complained to them they credited my account with the disputed charge but after 2 month they charged my account with the same charges again? I am XXXX years old and totally XXXX and the credit card co. discriminating against me to my age and XXXX. please help me. thank you.
Consumer complaint received 2018-04-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

I noticed that on my account an unauthorized charge of {$150.00} was being sent to someone I didnt know through the app XXXX. I looked at the charge but I didnt know who this was. My information was hacked. I called my bank immediately and told them about this fraudulent charge and they said they would block the charges. I also told XXXX that I dont recognize this user and that my information had been compromised/ fraud. 
XXXX still paid the other person even though I told them it was fraud. I closed my XXXX account, but XXXX is still saying I owe them {$150.00} for chargers I never authorized. I have since change all my passwords because my email was also hacked. I will not be responsible for this charge due to criminals trying to steal money from account users. Shame on XXXX for not protecting their customers and not listeing when I told them in advance this is a fraudulent charge.
Consumer complaint received 2017-11-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (FL)

I star received a phone call from a collection a collection agency on XXXX/XXXX/XXXX and now still receivend letter in reference a XXXX deliquente accoun in the amoun of XXXX i never open a account with XXXX XXXX, of provide anyone with permission to obtain a account using my personal information, and no responsable for those charge, same XXXX they being colleccting tha mony from my
Consumer complaint received 2017-11-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Yamaha Motor Finance Corporation USA (MA)

I purchased a brand new XXXX Yamaha Wolverine R spec ( utv ) from my local yamaha dealer for roughly 15000 dollars on a loan when they first came out. I purchased an extended 4 year warranty through yamaha for full drive train coverage etc. after owning this machine for not even a year and  only having 1200 miles on it the motor went on a cold start one day. The dealer replaced everything from the crank up in the motor without figuring out why it went. This roughly cost 3500 dollars in parts and labor for yamaha i would assume. The dealer ran it around the building numerous times etc and i got it back in reasonable time. With all brand new parts the motor came apart again not even 150 miles later.. The dealer has pulled apart engine and wants to replace oil pump along with all new parts again but yamaha is refusing to cover the machine with over 2 years of warranty left. its clear that the machine has a lubrication issue within the motor yet are claiming this is all my fault. They went as far as offering me one part as good will and than sent me a cheesy sticker package in the mail. I still owe an outrageous amount of money on something i ca n't use. I had to cancel hunting trips etc and am still making all payments. The dealer has made numerous calls to Yamaha motors corporation only to have my claim denied time and time again. I have spent lots of my time on the phone and can not get any answers from the company. a person name XXXX with customer service has denied my claims and wo n't give me a direct answer about covering the machine. I feel that i am being treated very poorly and was sold a lemon that I 'm now stuck with. I 've owned numerous machines through this company and have never had an issue. I 've found other people with similar issues online from some of the first wolverines that were purchased, not sure on the outcome for them.
Consumer complaint received 2018-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (MO)

JP Morgan Chase Bank, NA ran my credit/processed an application for an auto lease that I didn't approve or authorize. I visited a car dealer in XX/XX/2018 to shop for auto leases. I did not allow for a lease application to be put through, as I did not select a vehicle or finalize any part of a lease transaction. JP Morgan Chase ran an unauthorized application for an auto lease without my permission. The report should not have even been run, as my credit is frozen. I want all records of this credit application removed from my credit history.
Consumer complaint received 2017-11-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fein, Such, Kahn & Shepard, P.C. (NJ)

My job received a wage garnish for a debt they faxed me over a copy it has someone else 's social security number on it so I wrote a letter to the company requesting proof of debt in XXXX 2017 and still have not received anything but they sent another letter to my job today I did ask for all communication to be in writing and still they wo n't tell me what the debt is for
Consumer complaint received 2017-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (MN)

Call from ( XXXX ) XXXX representing Am Ex promo cruise. Not a member but pushed 1 to talk o a human. Told her I am on the do not call registry. She hung up on me immediately. Tried texting the number and text was blocked No doubt this is a scam My number is XXXX XXXX XXXX. Happened about an hour ago. Any help resolving this greatly appreciated.
Consumer complaint received 2018-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

To sum up..had 2 credit cards, cancelled 1 last month after I paid in full ... they rebilled an additional amount told for interest, even though balance for payoff was requested before paying in full. I paid additional fees and returned card and closed acct. Now since paying off my last credit card with them..I showed a XXXX balance one day..and next day checked said balance due {$10.00}. I called and was told that it was lingering interest on account..I asked how they could charge interest on a XXXX balance, was then told it was an accumulation of interest from past ... I told them that it should have been included as final payment was requested before paying off. Company rep. hung up on me. They say conversations recorded, I hope so. Rep name was XXXX. Supervisor from last card dispute was XXXX. They hate when you pay off card, now questioning all interest during time as customer. I have every statement from start to close. I will forward all documents to authorities as requested.
Consumer complaint received 2018-04-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC (NY)

I have a old credit card dept with XXXX XXXX.The account was closed and changed off in XXXX, and up for collection for a amount of {$2200.00} from XXXX XXXX.A collection is telling me that the account was open for collection in XX/XX/XXXX.cavalry portfolio svcs.XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX # XXXX.I looked at my report many years ago and this was already up for collection.How this are they moving there statue of limitations up on me illegally.
Consumer complaint received 2017-12-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN EXPRESS COMPANY (GA)

On XXXX XXXX, XXXX, I submitted a complaint about American Express regarding my credit card account to the CFPB. This was a last ditch effort after over a month of trying to start a payment plan with Amex. 

American Express had threatened to ruin my credit. In that complaint, I proposed a simple repayment schedule - see Complaint Detail ( attached ). I have called and asked for assistance, payment plans, structures, etc. many times. I even wrote the president of the company. ( attached ) on XXXX XXXX, XXXX. 

After I contacted the CFPB, American Express sent me a response. Part of it is as follows : " We have not reported this account to the consumer credit reporting agencies We sent the enclosed letter to you XXXX XXXX, XXXX explaining that we will defer placement of your account with a collection agency providing that you contact us to agree upon an acceptable payment plan. Because this is a Small Business account, we have not yet reported this account to the consumer credit reporting agencies. '' Obviously, I have tried multiple times to contact American Express. This response does contain a bold face lie. American Express did, in fact, report this account to the credit reporting agencies causing my credit score to drop over 100 points. Please see attached screen shot from XXXX. 

American Express did follow through on their promise to ruin my credit even though I have done everything in my power to resolve the situation. This is the kind of bullying and bad faith business practices that should be no part of our financial system. 

I simply want to repay this debt over several months and have no negative credit due to this issue.
Consumer complaint received 2018-04-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Allied Collection Services, Inc. (Nevada) (TX)

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against ALLIED COLLECTION SERVICE. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.
Consumer complaint received 2017-11-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, TRANSUNION, AND XXXX IS IN VIOLATION : 1. UNDER THE FAIR CREDIT REPORTING ACT, 15 U.S.C. 1681 ( G ) I HAVE THE RIGHT TO DEMAND THAT YOU DISCLOSE TO ME ALL OF THE DOCUMENTS THAT YOU HAVE RECORDED AND RETAINED IN YOUR FILE CONCERNING THE ACCOUNTS THAT YOU ARE REPORTING IN MY CREDIT REPORT. 

2. IF YOU DO NOT HAVE ANY DOCUMENTATION IN YOUR FILES TO VERIFY THEACCURACY OF THESE DISPUTED ACCOUNT ( S ) THAN PLEASE DELETE IMMEDIATELY. AS REQUIRED UNDER FCRA 611 ( a ) ( 5 ) ( A ) ( i ). BY PUBLISHING THESE INACCURATE AND UNVERIFIED ITEMS ON MY CREDIT REPORT AND DISTRIBUTING THE TO 3RD PARTIES YOU ARE DAMAGING MY REPUTATION AND CREDIT WORTHINESS.
Consumer complaint received 2016-01-06
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (MI)

We obtained an interest-only mortgage from XXXX XXXX Mortgage in XXXX ( which filed for bankruptcy in XXXX and is no longer in business ). The loan was transferred to CitiMortgage shortly thereafter and they still own/service it today. The loan is due to fully amortize in XXXX of XXXX. I am concerned that we will not be able to afford the payment at that time. I have made numerous attempts to refinance the loan or discuss potential options/solutions with Citimortgage over the last couple years. Since our home is underwater and it is a jumbo loan, I am told there are no options without significantly paying down the balance on the loan which we are unable to do. I have also been told that we do not qualify for a modification because we currently have the income to make our payments. I am trying to be pro-active in dealing with this before my family and I are in a crisis, but they are unwilling to work with us. They offered to modify our loan in XXXX. We accepted their offer because we were told it was the only option to reduce our payments. They left us in the same interest-only product and INCREASED the balance by nearly {$7000.00} which makes our situation even worse. We simply want them to refinance or modify our loan to a fully amortized 30 or 40 year loan at market rates so we can start to pay down the principal and avoid the substantial increase in our payment that is looming. We do not want to be at risk of losing our home. We are not asking for them to take a loss, we simply want them to do what we believe is fair and will help both of us avoid a potential foreclosure situation.
Consumer complaint received 2017-02-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: AES/PHEAA (TX)

This is my 5th attempt to get this information corrected. Please help me!!!!! It is an obvious reporting error based on the documentation from THEIR OWN COMPANY. I 've included the copy of the credit report as well as the deferment verification letter that the company provided me with. 
The reporting errors listed below are : XX/XX/XXXX-90 in XX/XX/XXXX and 120 in XX/XX/XXXX/my loans were deferred from XX/XX/XXXX-XX/XX/XXXX XX/XX/XXXX-XX/XX/XXXX 90 and 120/My loans were deferred from XX/XX/XXXX-XX/XX/XXXX XX/XX/XXXX for 90 days/ my loan was deferred from XX/XX/XXXX-XX/XX/XXXX
Consumer complaint received 2017-03-06
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SUNTRUST BANKS, INC. (NC)

The issue is that the my account online did not show/reflect one of the bill payments and so I thought I still had time to deposit money into the account via atm. ATM deposits are instant so I presumed that if I deposited before the charge hit, I would not be charged an overdraft fee. I presumed wrong. The bank conveniently later in the late night/morning made it so that the bill payment would show up before the ATM deposit so they could charge me a {$34.00} overdraft fee.
Consumer complaint received 2018-04-07
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. (MD)

I recently had my credit scores report pulled and there is a 55 point difference between what experian is reporting as my credit score ( XXXX ) and what XXXX  and XXXX are reporting ( XXXX respectively ).  I called experian and a representative was unable to help process a dispute against the score reporting. Which seems excessive in terms of fair reporting. This difference seems extremely odd. I have reviewed all three reports and the same details/accounts are listed. With minor variations, however, not enough to cause a significant difference. 

When the sum of these scores are used for things like a home mortgage a significant difference like that can be irreparably damaging.
Consumer complaint received 2017-11-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

This debt collection agency, after I have already contacted them, have called my parents for over a week nearly every day besides the weekend. This is illegal and needs to stop. I do not live with my parents, they did not co-sign the debt that is being collected, and they have no reason to be contacted. My XXXX is a CEO of a very large company and they continuously call him getting in the way of his meetings. I have sent a do not contact order by mail and have a lawyer since the laws were pushed by this company and have been a nuisance.
Consumer complaint received 2017-12-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

After doing business with them for many months, Coinbase now refuses to authorize my ( previously valid ) account and claims that my address is invalid, when it in fact is not. They have effectively locked in excess of {$17000.00} of my personal funds and deny me access to it. I can not trade, buy, sell, or transfer funds from my account to my previously validated bank account. I believe this is an intentional policy, designed to manage cash-flow.
Consumer complaint received 2016-06-13
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: COLLECTION SERVICES OF ATHENS, INC. (GA)

Collection services of Athens is attempting to collect a debt from me and I never established a contract with this company. Furthermore collection services of Athens is currently reporting negative information onto my XXXX credit report indicating that I owe XXXX amount of XXXX and a additional amount for XXXX dollars.