davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-11
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

On XX/XX/2019, PennyMac Corp, was served with a copy to our qualified written request under RESPA. Pursuant to the Section 6 of the Real Estate Settlement Act, a servicer must acknowledge receipt to the request within 5 business days. As of today XX/XX/2019, PennyMac Corp has yet to acknowledge our request and therefore are in violation of RESPA. We are requesting the following questions under the Real Estate Settlement Procedures Act 1. Is XXXX XXXX an employee of PennyMac Corp? If yes, when did her employment started and ended? 
2. Is XXXX XXXX a representative of XXXX XXXX? 
3. Is XXXX  XXXX authorize by XXXX XXXX to endorsed notes on behalf Penny Mac Corp? 
4. Is XXXX employed by PennyMac Corp or XXXX? Does she have power of attorney or corporate resolution reflecting her capacity as an endorser for either PennyMac Or XXXX XXXX?
Consumer complaint received 2020-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NC)

I ask for relief during the pandemic just like I ask for relief on all my cards and I was given relief now that I have to start paying my bill is {$580.00} over the limit by {$400.00} my bill normally around {$100.00} last time I called in I believe its the interest that happen during the relief but to be honest I have 10 other credit cards and a couple are over the limit and the bill is no where near this high. When I called last month on XX/XX/20 a representative advised me that my bill will be {$290.00} on XX/XX/20 I have that called record on my phone. This needs to be reviewed because something is wrong here. Im a single mother and Im XXXX. I have had XXXX and I dont need the stress I have no problem paying my bill but {$580.00} is way too much to expect me to pay. I was suppose be paying this card off but the check was delayed due to a date was cancel because of the COVID virus by my lawyer. I really need this to be adjusted due to I can not afford to pay that amount. Out all my cards that gave me relief during the pandemic this is the only one like this it seems like something is majorly wrong. I been having my 11 credit cards for years and been over limit but I have not ever had to pay this much on a card. I  just feel like Im being discriminated against because Im XXXX. Thank you for your time. Have a wonderful day.
Consumer complaint received 2019-06-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CO)

I attempted to purchase baseball tickets from an ad on XXXX. I called the person who I was transacting with to get a sense of them and to insure it was a real phone number. The person seemed fine, and suggested we use XXXX and the XXXX app. I paid him {$70.00} through the XXXX transfer action on my Chase phone app, and he never sent over the tickets and stopped responding to texts/calls. I then reported the incident to the XXXX Police fraud unit, and called Chase. Chase said that there was no reimbursement option because XXXX is a third-party partner, and that they are not responsible for fraud.
Consumer complaint received 2018-04-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (KY)

I have disputed through the Company directly along with having the record deleted from my credit accounts for debt that is not under contract or has no valid contract to owe. So now I am here asking for help. They are negatively impacting my credit score which is affecting my business loans on a contract that is not binding or has not contract showing ownership.
Consumer complaint received 2020-09-15
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (ND)

This is a follow up from Complaint ID # : XXXX. 

Dear Santander Consumer USA Legal Team : I sincerely appreciate you responding to my complaints and your commitment to coming to a fair resolution to this issue. I would, however, really appreciate if you do not insult my intelligence. 

Per your Deficiency Waiver on https : //santandermultistateagsettlement.com/Information-for-Consumers : " Santander is required to forgive the remaining balance on certain loans. Santander will also request that the loans be removed from consumers credit reports. As with Restitution, consumers who qualify for this relief will have to have a certain internal score. Consumers will NOT know their own internal score. Consumers who qualify for this relief will receive notice. We will update this website when we know of an anticipated timeline for said notice. At a minimum, to qualify for this relief, you must meet the following : a. You got your loan between XX/XX/XXXX and XX/XX/XXXX ; and b. Your car was repossessed or your account was charged off by Santander within the first 12 months after you got the loan. 

My car loan was obtained on XX/XX/XXXX and was charged off on XX/XX/XXXX. So therefore, I am qualified for this settlement. You have the authority to remove this debt from my credit report regardless of what the FCRA states. I'm also not asking you to violate the FCRA, I'm simply asking you to remove the account from credit reports because per the settlement agreement YOU ARE REQUIRED TO DO SO!! 

If we can not reach an agreement, I am prepared to file a civil suit against your company. This is my 3rd complaint through the CFPB and I have given up on reaching out to you via mail because you do not respond to my direct mails. 

Again, I am prepared to settle this account but the account needs to be removed from my credit reports. I'm also prepared to contact my lawyer with all the correspondence sent to your company and my attempt to settle the account. 

It's so ironic how you weren't concerned with the FCRA to begin with which is why you are involved in a multistate lawsuit to begin with. Why the concern with the FCRA now? 

Again, I am offering to settle again for {$2500.00} as agreed upon in my Pay to Delete Letter but the account has to be removed from all reporting agencies.
Consumer complaint received 2019-06-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (MI)

On XX/XX/2019 I submitted a support ticket to www.Coinbase.com stating that I had some suspicious activity on my email account associated with my Coinbase account, and a failed attempt to log into my Coinbase.com account. I however looked over my account and everything was fine, there was no breach of my account as I had all the extra security measure set up including 2 factor authentication. I explained this in the support ticket that I just wanted to change my email address as an extra step of security. I specifically said there is no need to freeze my account as no one except for me ( the account owner ) gained access to it. They immediately froze my account asked me to fill out a few questions and that they would investigate. 
I filled out the form via email and waited. That was on XX/XX/2019. Since then I have not gotten a single response back from the company. I have call there support phone line over 15 times since then asking what is going on? They have no answer and can not give me any more information at this time but tells me they " properly escalated the ticket and should provide me with an update shortly '' They keep saying it is being " Investigated '' but there is nothing to investigate I already know the no " bad actors '' gained access to my account looking at my log in settings and all I wanted to do was change my email address. Also I would like to add that I have went through this same support ticket situation with 4 other exchanges ( XXXX, XXXX XXXX and XXXX  ) all of which solved my issue and reinstated my accounts in 4 days or less. 

How is it so hard to verify an identity and reenable an account/ This has gone on unresolved with no resolution or even an attempt at a resolution. I have what I consider to be a substantial sum of money in that account that I want access back to, at this point to just get my funds and close the account because I will no longer fund this company with my business. 

I fully intend to file a small claims lawsuit against the company if this is not resolved in the next 2 weeks aka 60 days.
Consumer complaint received 2016-07-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (CA)

Received a bogus collection letter from Convergent Outsourcing Inc . Addressed to XXXX XXXX ( not my first name or initials ). Attempting to collect a XXXX debt of {$440.00}.
Consumer complaint received 2018-09-21
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Services Group, Inc. d/b/a ConServe (TX)

I received a collection notice from Conserve stating I owe them {$1800.00}. Before calling them I called the XXXX loan company and they said the debt was sold to Conserve and that they ( student loan co ) could not help me any further. The reason for my call is that on XX/XX/2018, I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX stating I had a remaining balance of {$310.00}. This letter will be attached in my complaint. That is the only debt I know of owed to the XXXX loan company. 

On XX/XX/2018, I received a collection notice from Conserve, XXXX XXXX XXXX XXXX, XXXX, NY XXXX, XXXX. This was a " notice '' collection letter giving me 30 days to dispute the debt or pay it before it hits my report. The letter stated that I owe the collection company {$1800.00}. This letter is also attached to this complaint. I spoke to someone who called himself, XXXX, but would not give me his last name and only that he was a XXXX. 

I told XXXX XXXX was confused about this collection notice. That I had a letter from the student loan company, in XX/XX/2018, stating I only owe {$310.00} and I have not received notices stating I owe any more then that. I requested, over the phone to XXXX, that he send me a statement or something verifying the amount owed as I am not willing to pay someone {$1800.00} if I only owe {$310.00}. XXXX then stated ( I hope his calls are recorded ) that he did not have to verify the debt that people who call here know they owe it and simply make payment to them. I told XXXX that I need the actual facts before I make a payment to you or anyone else. He stated he did not have to provide any information to me. I then told XXXX that I am officially disputing this account and that until this is resolved I don't wont it reported to my credit report. He said nope, On XX/XX/XXXX if you have not made payment we will report it to the bureaus. I told him how can I pay {$1800.00} when I believe I only owe {$310.00}. I need to see what the difference is before I make a payment. Also, your letter states that I can dispute this debt. He basically said he doesn't have to provide any information, that I should know I owe it, and that it will report to the bureaus regardless of my complaints and official dispute on XX/XX/XXXX.
Consumer complaint received 2019-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have recently just checked my credit report and see that the bureaus are reporting some inaccurate information about some late payments. I reached out to XXXX, TransUnion and XXXX and disputed the late payments on my credit report. I simply ask that the CRA 's remove the late payments because I have never been late paying my bill. The account and late payment date are as follows : Account : XXXX XXXX XXXX  Account # XXXX Dates Claimed Missed Payment : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2023-06-13
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: JPMORGAN CHASE & CO. (FL)

On XX/XX/2023, I received an email from Southwest Airlines about a promotion regarding their Chase credit card. They stated that I would get XXXX points if I were to spend {$1000.00} within the 1st 3 months of opening the card. The offer expired on XX/XX/2023. On XX/XX/2023, I proceeded to apply for the card and was approved. I received XXXX points. On XX/XX/2023, I called Chase customer service regarding the rest of my points. I had already spent well over {$1000.00} on flights. They stated that I was supposed to apply for another Rapid Rewards card and the one that I applied for doesn't qualify. I told the agent that that is not what my email showed. I told them the whole point of applying for the card is to get the XXXX points. They stated that they could not give me my points. I asked the supervisor if I could send him the email that I received. He stated that there was no way for him to forward my email to anyone. I kept my end of the bargain. I just want my XXXX points as they advertised. I am forwarding you the email that I received.
Consumer complaint received 2019-06-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (KY)

I have been making qualifying payments regarding public service loan forgiveness since XX/XX/XXXX. The initial lender was XXXX XXXX   XXXX  XXXX. The lender was changed to XXXX XXXX in XX/XX/XXXX. The final change to the current public service loan forgiveness through the federal government was in XX/XX/XXXX. In that time they have been unable to correctly quantify/acknowledge the number of qualifying payments towards the public service loan forgiveness, despite having the account under review for over a year and a half. 
They currently have 61 payments accounted for, this does not account for the first three years of loan payments through the direct loan servicing center ( XXXX )
Consumer complaint received 2017-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Firstsource Business Process Services, LLC (TX)

ON  XX/XX/XXXX  I called One Advantage LLC formally known as Firstsource Advantage , LLC at telephone number  XXXX  about a collection on my credit report I spoke with a rep by the name of  XXXX  that stated he could not hear me I asked him to hold while I adjust my phone he hung up on me. I then called the same number back (  XXXX  ) again and spoke with a    XXXX   XXXX    that first asked me the spelling of my last name then first name and then my date o f birth. I told her that I had a copy of my credit report and it had her company listed and I was not familiar with that company nor did I owe that company. She stated to me that her company purchased my account from  XXXX   XXXX   XXXX  for a   XXXX   XXXX   that I received on  XX/XX/XXXX . First of all I never received a  XXXX  because the wait was long I left the hospital, so the hospital charged the insurance company for service I never received, needless to say then supposedly send me to a collection company for service or something that I never heard of. I asked her if she could send me verified documentation with my signature and social security number to verify what she saying is correct and she said that she would not have that information. I then stated to her unless she could verify that I owe her company {$1300.00} the collection from her company should be removed from my credit report immediately. She refused and stated that the amount and debt was valid. I told her that I never received any services from  XXXX  and she again stated that I received a   XXXX   XXXX  . If I would have received any service for the collection company to know what service a hospital provided if any were provided is  against HIPPA v iolations so for that reason alone and the fact that I never received any services and nothing can be validated I am requesting that again One Advantage remove this insane debt off of ALL  XXXX  OF MY CREDIT REPORTING AGENCEIES (  XXXX ,  XXXX ,   XXXX    )  it 's damaging my credit rating and causing me hardship of not being able to purchase my home. Thank you
Consumer complaint received 2016-06-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NY)

I do not, and am not disputing ownership of the Trade line contained in this. 

XXXX XXXX Account account is reporting inaccurately, and incompletely. Please update its data to report correctly - or DELETE the account. 

This Collection account is reporting as if they are Credit Grantors, when in fact they are not. And as such, They are expected to be reported in the ( XXXX and XXXX ) segment allowed for such reporting, Collections. Please see page XXXX - of the attached sample Equifax credit report., from equifaxes ' own site. 

This collection account, and all others showing on my files- allows this debt collector to report this activity as if - I have/had an " OPEN '' type ( reserved for XXXX, utility companies ) - where a contract for services exists and that such contract allows for payment when billed. They as debt collectors - can not report in this manner. 
FCRA - 623, is the section in which this complaint, is being filed 1. Because of the way in which this is reporting, and ORIGINAL CREDITOR must exist, and does NOT 2. This account is showing as an " INSTALLMENT '' Type of credit line, when they can not as Debt Collectors 3. Is inaccurate - as even as it resides in this segment of my report - lacks its true Pay Status, as they can only have " PAID Collection '' or " Unpaid Collection '', or check, of which this account is not. This instead has " In Collection '' when this value is dedicated to Credit Grantors only. 
4. Stores a date of First Major delinquency, which the Debt Collection CAN NOT own or report after it bought or was assigned this account. This - is owned by the Original Creditor - and is wholly inaccurate 5. Has a High Credit - which is wholly inaccurate, there is no HIGH Credit with a Debt Collector, only - the Original Creditor 6. Even existing on this record in its current state - the record is wholly incomplete A credit Grantor must supply the Creditor classification, this is blank c. The Balance History would then be mandated, and this is blank 7. This is a paid collection, and there is neither a concise closer status nor a date. 
I hereby acknowledge that I am the author of all data within this complaint, and I am the owner of all accounts identified within this complaint. I am the author of all text within this complaint - as well as the intellectual owner of the identified data issues on my file. There is no credit repair agency involved, simply myself - a consumer who is being educated through all of this activity. I, as an American Citizen - have an entire right to have this dispute, heard, managed and resolved through this portal.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (CA)

I purchased a XXXX cell phone ( XXXX ) on XX/XX/XXXX, directly from XXXX through the Internet. I returned the phone to XXXX using their return label and dropped it off at XXXX on XX/XX/XXXX, at XXXX XXXX. I was informed by XXXX employees that they had received the phone, that I would be issued a refund, and that XXXX XXXX  would be notified so that I would not be responsible for making payments. XXXX should have notified their financing agency and placed a late payment on my credit file. I have started a dispute with the XXXX and XXXX bureaus and California 's state attorney 's office. I had just learned that this happened when XXXX XXXX and XXXX XXXX notified me that XXXX had placed a late payment on my file on XX/XX/XXXX. I have a good credit XXXX score and have never been late or missed any payments in the last 16 years. It is very upsetting that this has happened to me, a XXXX veteran and previous federal law enforcement officer. I am a senior XXXX XXXX XXXX, and XXXX is prying on XXXX  citizens. It's not fair for a company such as XXXX to do this and get away with it. The dollar amount in question is {$1300.00}. I refuse to pay for something I do not have, but I`m hoping to get some assistance in clearing this matter up. If I don`t clear this up soon, then I feel that XXXX will report this to a collection agency.
Consumer complaint received 2021-02-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Credit Services Inc. (NY)

XX/XX/2021 I was alerted by XXXX XXXX and XXXX that I have a collection with First credit services for a gym membership with XXXX  XXXX XXXX. This membership should have been cancelled years ago as I had asked them. The email I received was with XXXX XXXX XXXX for {$98.00}. I called them to resolve they said call first credit services as my account is in collections. First credit services first said they have no information of mine. I called again and was told I was in collections for {$160.00} which is much more than XXXX financial services had told me. I told first credit services, I will gladly pay the balance if they agree to remove it from my credit report as it is not legitimate. First credit services said they can not help me and to call XXXX XXXX XXXX. XXXX XXXX XXXX said they can not help since the account is in collections already with first credit services. First credit services was still unwilling to help me. They would not take a payment from me or remove the remark from my credit report
Consumer complaint received 2018-06-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (IL)

XXXX XXXX CALLED ALL THROUGH THE DAY ( ROBO CALL ) XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX   ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX  XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX) XXXX XXXX  XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX (XX/XX/XXXX ) XXXX XXXX XXXX (XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX THERE IS A LOT MORE ..

DO NOT HAVE SPACE TO LIST THEM.