davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I 've had my Capital One Master Card for over 10 years, I got it during college to build my credit. My credit has substantially improved and for the past 5 years or so I called capital one and tried to cancel and they would waive the {$49.00} membership fee to keep me as a customer. Last year I called to try to have to fee removed for good, and the rep stated that could not be done. He did once again offer to waive it because I 've been a long time customer. He also stated if I call every year around this time I could get it waived, I agreed to keep the card because of this. I also told him to notate my account that he stated that. Today I called capital one and was told they could not remove the fee because their policy recently changed. I escalated to the supervisor and told him the rep last year said I could get it waived this year which is why I chose to keep the card. He reinforced the new policy and stated that if everyone got fees waived capital one would not make money. I told him I was misled into keeping this card, his answer remained unchanged.
Consumer complaint received 2017-06-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Olson Associates PC (UT)

I was informed of a pending garnishment, prior to that i was contact by a scam artist that told me about the debt. I have contacted both parties to gather more information. They say that i have been sent everything they have. I asked for the fees in writing and i was told that is not a option. According to Olson Shaner I will be garnished for this amount that i am disputing. This debit is form 2008, it has taken them almost 9 years to collect. I have tried and tried to gather as much information i can about this debit and yet all i have is a dental ledger and some notes. Company is not willing to assist me with any other data. This is not listed at all on my credit report anywhere. I have attached the document in which they say i owe.
Consumer complaint received 2017-06-26
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc. (FL)

This is regarding CFPB Complaint Number : XXXX which has been closed.
<P/>
Your correspondence dated XX/XX/XXXX you are providing an update, I appreciate it. I have given time to Seterus to provide me with the necessary documents but to date, this has not happened. I have been in continued contact with Seterus and they continue saying the same thing " this is a lengthy process and you should be receiving the assumption trial period plan shortly ''. To date, I have not received anything. My home is in foreclosure with a trial date ofXX/XX/XXXX. Seterus states they have never prepared a divorce assumption with both parties alive, they have done this once a party/spouse passes away. I understand this and appreciate it but I have been waiting since XX/XX/XXXX to receive the Trial Period plan and this matter has been ongoing since XX/XX/XXXX when I was approved for a loan modification but it was under my ex-husband 's name. Basically it has been a little over a year and still no trial payments have been offered, nothing.
<P/>
My family is anxiously waiting to resolve this matter, my ex-husband is taking me to Court tomorrow XX/XX/XXXX to try and make the Court force our home to be sold. This is just incomprehensible. I just want to save my children 's home and have a roof over their and my elderly parents ' head. More time goes buy the more money they tag onto the mortgage. What happens if I ca n't afford the trial payments because the mortgage amount is too much since it will include Attorneys ' fees, late fees, and everything else. Last I knew, the mortgage owed to date was approximately {$400000.00}. The homes in the area and the comparable properties estimate our home to be valued at no more than {$350000.00}. The amount keeps going up but property values do n't, what can I do?
Consumer complaint received 2017-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TRANSUNION IS REPORTING XXXX XXXX ON MY CREDIT REPORT. I HAVE ASKED FOR VALIDATION OF THIS DEBT IN WRITING TO ME FROM TRANSUNION. THIS ACCOUNT IS PAID IN FULL AS A TITLE LOAN.
Consumer complaint received 2017-08-03
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC. (SC)

I have notifed Midland Funding LLC that I am not liable for a Balance of {$900.00} that is being reported to  XXXX ,  XXXX , and  XXXX . Midlands Funding has failed to provide Validation of the debt, that proves that I have a signed contract with them.
I notified them that I have exempt funds in the form or Social security Benefits and   XXXX   Veteran Benefits. Continuing to harasses and make attempts to collect this debt are against the law. I demand that Midlands Funding LLC discontinue collection efforts and delete all accounts that are being reported to  XXXX ,  XXXX , and  XXXX .
Consumer complaint received 2017-06-27
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: CITIBANK, N.A. (IL)

I have been trying to resolve this get issue with XXXX XXXX on behalf of XXXX and XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX I have disputed these accounts as not mine because they are not these accounts were opened in XXXX 2 years ago I under the age of XXXX meaning " LEGALLY UNABLE TO OBTAIN CREDIT '' these are not my accounts and would like them removed from my all of my credit files immediately. Please be advised this is a formal consumer to business ( s ) complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. I have been trying to work with credit reporting agencies since XXXX of XXXX with no success or cooperation ; I have requested/demanded verification/ validation of debt/collection directly to below mentioned companies and all credit reporting agencies. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, and XXXX with no success. They have refused to update information. Accounts to be removed : XXXX XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, XXXX # : XXXX. Will submit ID documents my current state issued ID, birth certificate, high school and college transcripts to support age claim. I do not know who opened these accounts but they are not mine and I would like them deleted.
Consumer complaint received 2018-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP (CA)

My credit report shows a lot of accounts that were opened as a result of someone applying under my name and credit information. I called US Bank several times to report this crime but they have not closed this fraudulent account. In addition, I have provided them with a police report, yet they continue to still leave this account open, enhancing new opportunities for more fraud.
Consumer complaint received 2017-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (PA)

I have called a total of 5 times between myself and my husband to resolve a problem where we attempted to book a hotel in XX/XX/XXXXusing reward points. The website had an issue not allowing the booking to take place, so I called and made the reservation using Chase Bank 's customer service. On the date we booked, Chase Bank deducted from our account Reward points earned through their rewards program equal to {$570.00}. It should be stated that I booked a second room directly through the hotel chain 's website because the reward program did not have any additional rooms left through their program and I needed a total of two rooms. After checking out and returning from the trip I noticed a second bill from the hotel for almost {$400.00}. After calling Chase customer service who then also contacted the hotel manager, it was determined that the hotel never received any money from Chase through the reward program, so charged our account for the room. Chase on 3 occasions said they would resolve the issue and credit the hotel charge on our account and make sure the hotel got their reward points money. Nearly a month later, nothing has happened despite numerous additional calls to their customer service. We have requested that Chase simply refund the reward points they took to resolve the issue since they never forwarded the cash value to the hotel, but to date they still have done nothing. The hotel got their money directly from our account resolving the hotel 's problem, however that means in total ( points + dollars charged to account ) we have paid nearly {$1000.00} for a {$400.00} hotel room. Their customer service never seems to have any records of us calling even though we could easily prove hours spent on their customer service line on our phone bill. We are thoroughly frustrated and Chase 's customer service just obstructs through endless transfers to other operators and promises to resolve the issue that never happen.
Consumer complaint received 2017-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

The following creditors and Equifax have been and are reporting inaccurate information on my credit report. The following creditors and Equifax have been and are reporting hard inquiries without verifiable proofs of my consents. As a result, there are no permissible purposes of putting those hard inquiries on my credit report. I sent certified mails to both Equifax and the following creditors asking about the permissible purposes of those hard inquiries and verifiable proofs of my consents. I waited more than 30 days to have the verifiable proofs from Equifax and the following creditors of their inaccurate information and I didnt receive them from all of them. Since neither Equifax nor the following creditors have verifiable proofs of their inaccurate information and it has been more than 30 days since theyreceived the dispute, according to the Fair Credit Reporting Act 15 U.S. Code Sec. 1681i ( a ) the  following hard inquiries should be deleted immediately. Certified mail tracking number sent to Equifax on XX/XX/XXXX : XXXX. Second Certified mail tracking number sent to Equifax on XX/XX/XXXX : XXXX. Third certified mail tracking number sent to Equifax on XX/XX/XXXX : XXXX. Certified mail tracking number sent to XXXX XXXX on XX/XX/XXXX : XXXX. Certified mail tracking number sent to XXXX XXXX XXXX on XX/XX/XXXX : XXXX. The following creditors and hard inquiries should be deleted immediately are : Creditor Name : XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Date : XX/XX/XXXX
Consumer complaint received 2017-06-27
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: EQUIFAX, INC. (NJ)

XXXX Credit Reporting error I have contacted XXXX XXXX XXXX and have received the letter confirming that the account was closed and there are no issues. Please remove this from my credit file. XXXX XXXX Opened XXXX Reported XXXX Hi. Credit {$200.00} Credit Limit {$200.00} Thanks XXXX XXXX XXXX
Consumer complaint received 2017-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

The purpose of this letter is to request an investigation of the inaccurate information reported by XXXX XXXX  XXXX XXXX to Credit Reporting Bureaus XXXX XXXX Equifax XXXX and XXXX. After over 25 telephone calls to the creditor since XXXX XXXX, the creditor has still failed to correct the issue and only continue to ask for more time to investigate the matter. The creditor is reporting a 30 Day Late Payment dated XXXX XXXX XXXX for credit card ending in XXXX. This account was Not Acquired until XXXX XXXX. The credit card account is showing listed with the credit bureaus as Account Number XXXX. The information the creditor is reporting is inaccurate. As for supporting documents, I requested ALL Monthly Statements associated with credit card ending in XXXX / Account Number XXXX. The creditor provided ALL the monthly statements associated to the account. Documents provided for XXXX XXXX to XXXX XXXX. Please see attached documents. In addition, I originally requested all statements and accounts associated with my credit file since XXXX. Via telephone call, I was advised I was not allowed to receive any statements or account information prior to XXXX XXXX which is not associated with credit card /account number ending in XXXX Account Number XXXX. Attached find supporting documents : Equifax Credit Report File/ Confirmation Number : XXXX Dated : XXXX/XXXX/XXXX Page # : XXXX Equifax Credit Report File/ Confirmation Number : XXXX Dated : XXXX/XXXX/XXXX Page # : 57 Monthly Statements from Creditor Dated : XXXX XXXX to XXXX XXXX
Consumer complaint received 2017-06-27
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (VA)

Amazon Credit Card via Synchrony Bank continues to reduce my credit line despite the fact, I pay my account timely and without issues. This continues to impede my credit score and su ggest my account is over the limit. It 's wrong to decrease my line of credit albeit, I 've paid my bills on time with this banks.
Consumer complaint received 2017-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (WA)

Today, XXXX XXXX, 2017, I called Citibank to close my AAdvantage Platinum Select credit card. I was referred to a " senior account specialist '' whose job was clearly to talk me out of closing my account. I calmly and politely explained my reasons for closing the account figuring they would make sense : I do n't use the card anymore, have n't used it in a year and a half, and do n't want to keep paying the annual fee for something I 'm not using. <P/>This person kept pressing me not to close the account, and despite my continued explanations it sounded like he was following a script instead of actually listening to me. For instance, he was amazed that I had no balance on the card and always paid it off on time ; is that so surprising when I have n't used it in over a year? He offered to refund the full annual fee instead of a pro-rated amount if I first spend {$1000.00} in the next 3 months on the card ; I responded that I was not interested and would rather just close today. STILL he kept pushing, and at this point I got angry. Despite his continued emphasis on being able to get my full annual fee back, I told him I saw through his game : this is a ploy to get me to keep the card, try to follow a bunch more little rules, and be too lazy to call back in 3 months. He 's probably right that I would n't do all of that successfully ; that 's why these banks have so much money! Yet I had to yell at this guy repeatedly to get him to finally give up and close my account, which he eventually did. <P/>I wanted to be proud of myself for finally getting around to crossing this off my todo list. Instead I had to get angry and exasperated ; a calculated move, since he clearly was n't listening to me when I was being polite, but that does n't make it easer or less stressful. That awful memory will be my parting experience with Citibank. <P/>You can tell Citibank that they just lost a customer permanently ... unless they decide to pull a XXXX XXXX and reopen the account without my permission, of course. After that phone call, they sound like exactly the type of company to do such a thing.
Consumer complaint received 2017-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (TX)

The current balance is {$8100.00} ; last month 's balance was {$8200.00}. The interim payment was {$250.00} ; {$160.00} went to interest. Within the past hour, I called Synchrony Bank to ask for a reduction in interest and was told that nothing could be done. I was told that the Bank 's practice was to increase the interest charged as the balance increases. How can the balance be reduced under these circumstances. No doubt this method of operation is applied to all of their credit card offerings. This is usury. Needless to say, I have stopped using the credit card.
Consumer complaint received 2019-08-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MD)

we behind payments because of utilities are up and unexpected house repairs we try to reach out and seek loan modification but unfortunately they will keep saying that the loan modification papers are incomplete we keep updated our papers but still same things happens keep sending we reach out for mediation and we have hearing with with the meditation judge and XXXX   XXXX XXXX which represent PHH mortgage which advice us to send complete package again to hold the foreclosure date they acknowledge or receive the papers and under review but the next day XX/XX/2019 i receive email again that they will not review our modification papers because of the of insufficient time which is unfair to us because we do our best to forward the loan modification papers on time
Consumer complaint received 2017-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

On XXXX XXXX, 2017 I hired XXXX XXXX of XXXX XXXX to build a mobile application ( XXXX  and XXXX ) for my company. We went over all the details of the project and how much it would cost. XXXX told me the project would take 6-8 weeks to complete and will cost {$1000.00}. He said I had to make a down payment of {$250.00} to get started and that is what I did. He assured me that I will be updated visually every 1-2 weeks until the project was complete. Once the first 2 weeks had passed I contacted XXXX for an update of my project and he told me that he was going out of town but the project is being worked on so do n't worry about anything. Two weeks later I contacted XXXX again about my project and once again he gave me another excuse. At this point he asked for a second payment because the developer did the coding for the applications and he would send me screen shots. So I went ahead and made the second payment out of good faith but I never received anything. XXXX then asked for another two weeks to get things together and oversee the project and he will show me what was done. The two weeks came and again another excuse. This time he told me that the developer sent him something but he was not happy with it so he could not present it to me. XXXX admitted to me that he under quoted me on the project and the amount of time it would take to complete and was willing to give me a refund if i did n't want to wait any longer. At this point it has been four weeks over the time he said the project would be complete. On XXXX XXXX, 2017 I reached out to XXXX expressing that I have been very patient but enough is enough and he became unresponsive. I then contacted Chase on XXXX XXXX ,2017 to file a dispute against the 2 payments that I made because no work was ever delivered to me at any point. I faxed all the correspondence between us to them that supports my claim. Chase then contacted me a few weeks later telling me that they are denying my claim because the merchant supplied evidence that I ended the project early which is not true. I then escalated the claim to be resubmitted and it was still denied. Chase refuses to charge back my account for the amount paid for a service I never received.
Consumer complaint received 2017-06-22
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: Conn's, Inc. (CA)

I was approved for a credit limit of {$3500.00} and I got electronics from the store ( which I found out was over priced ) for {$3400.00}. The product I was given was an open item. A laptop which had someones log in and i could not use it for 2 weeks until I had to fly back to XXXX to exchange it. Costing me 2 weeks back up of work. Later when I was about to make my first payment, instead of the {$200.00} that was agreed i got a bill for almost {$500.00} a month. I called the store and was told there has been a mistake and I will have to call corporate to sort it out. I did and the lady I spoke with at corporate told me to hold of on payment until a new contract is done and sent for me to e-sign. I never received any thing to resign but found out it was reduced to {$12000.00} which was still way more than what I was approved for. My credit report shows that I have a {$17000.00} balance with Conn Credit Corp. Increasing my DTI. I was only approved for {$3500.00} and I did not take products worth that much. I called again and after getting harassing calls from Conns to make payments every 30 to 40 minutes, they reduced it to {$10000.00} without me signing anything. It has been so frustrating and it keeps getting worse. They signed me up for 4 different unsolicited insurance policies that I did not request for. Unemployment, life, home owners and health insurance. I called again and after being transferred so many times I was told I have to go to the store to pick up the new contract which I did not sign for and the bill is still almost {$500.00} per month and I also will have to cancel the unsolicited insurance at the store. <P/>I ran a check at different stores for the prices for the same items I purchased and the original prices they sell them for and made a settlement offer to Conns so I could leave this behind. They declined the offered and have still not resolved the issues till not but but my voicemail gets full everyday because I get a call at least 2 times in one hour. <P/>I am willing to pay in full the real value of these items which is a total of about {$1400.00} and have Conns remove the credit reports on my credit as well as cancel the unsolicited insurance to resolve this issue. <P/>Thank you for your help.