davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

For years I had a Capital One Platinum credit card mileage account on which I always paid the balance due in full every billing cycle throughout the years I had the account. 

Subsequently, as I always did, I sent a month 's full payment on the full balance due. 

Capital One subsequently charged me a late fee and an interest charge claiming the payment was received XXXX day late. 

I contacted their customer service, and was told that my account would be credited the late fee and the interest charge. 

The late fee was subsequently credited to my account, but despite multiple assurances from Capital One 's customer service representatives to me that the interest charges would be credited to me in a future billing cycle, the interest charges continued to show up on my statements, while also generating further interest charges. 

Throughout this time, as I had always previously done, I continued to timely pay my balance due for goods and services in full each and every billing cycle, and as instructed by Capital One 's customer service I did not pay the interest charges that continued to show up on my account. 

After months of being told by Capital One 's customer service that the interest charges would be credited to me and resolved in a future billing cycle, Capital One 's same customer service subsequently said they could not now credit me the original one day interest charge, or the subsequent interest charges that had accrued on that one day interest charge in the intervening months. 

During that same call to Capital One 's XXXX XXXX XXXX customer service I was told that unless I agreed during that call to pay the entire amount of interest charges, my account would be canceled during that same call. 

Despite the fact that at that time I had earned nearly XXXX XXXX frequent flyer miles on my account, I flatly refused to comply with the threat made by Capital One 's supervisor during the afore-referenced call, and she summarily canceled my account. 

Her rash action was in complete contradiction to what Capital Ones customer service representatives had previously represented to me and which I had depended upon. 

Her rash action unjustifiably and unlawfully deprived me of my accumulated frequent flyer miles Her rash action was uncalled for, and grossly punitive. 

For further details, please see my XXXX XXXX, XXXX correspondence sent to XXXX XXXX of Capital One, which is enclosed with this complaint as a document attachment.
Consumer complaint received 2019-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, I, XXXX XXXX, contracted a lease/rental of the home located a XXXX XXXX XXXX XXXX, XXXX XXXX, Texas XXXX to XXXX XXXX XXXX. 

I live in California therefore she indicated that she deposited the amount of {$2900.00} to my Bank of America account in California on XXXX. 

The above amount would cover two months of rent in the amount of {$1000.00} each month and {$900.00} as a deposit. 

On XXXX XXXX XXXX XXXX texted me to let me know that she didn't want to persue the House Lease because she was moving to XXXX therefore she wanted her money back. 

I went to the Bank of America ( branch # XXXX XXXX and XXXX ) to check in person if the check had been cleared and I was told that the money had arrived to my account. 

So, on XX/XX/2019 I sent her money back through a wire transfer to her account at the XXXX XXXX XXXX XXXX in the amount of XXXX. ( I discounted from the total amount {$2900.00}, a fee of {$250.00} and {$30.00} of the bank wire cost ) On XX/XX/XXXX I recieved an email from Bank of America stating that the check sent from XXXX XXXX in the amount of {$2900.00} had no funds available and Bank of America was requesting payment for their loss. 

I belive the bank is responsable for the error in which they failed to check the funds for the check that was sent and should not charge me for that amount since I was advised by one of its bankers that the money had been deposited. 

I spoke to Bank of America several times and they dont want to take responsability. 
I have never asked Bank of America to deposit money into my account that is not mine. Also I have another accounts with Bank of America and without my authorization they took funds to cover the ovedrawn from the affected account and this is not fair bussines
Consumer complaint received 2017-11-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CT)

I have been an customer of Coinbase.com for the past year. I wire transferred numerous times back into my bank account. In this most recent one on XXXX XXXX, 2017 at XXXX XXXX the funds of {$1000.00} never entered my bank account. I gave them a week and called Coinbase. They said that it went through, contact your bank. I contacted XXXX XXXX and they told me their wire transfer department does n't see the bank wire on their end, and to get them a federal reference number. I then contacted Coinbase again to ask them for the Federal reference number for my bank wire and they replied, " we have moved your issue to a specialist, and moved to top priority. '' Now a month later i called back for a fourth time regarding the disappearance of my money, and they hung up on me. Their company is so backed up with calls that when you call them it says to call again later. I have also reached out to them via email. I have no idea if they even got to my problem.
Consumer complaint received 2016-05-22
Product: Credit card — 
Issue: Billing disputes — 
Company: Weltman, Weinberg & Reis Co., L.P.A. (OH)

I lost my job a few years ago, and have been having problems paying back my credit cards. Even though I do not give the full amount I try to pay something instead of nothing currently I have been having issues with XXXX they turned my debt over to a third party collection agency who keeps asking for a large lump some of money or to pay off the amount and they will not accept the funds I 'am trying to give this company also will not send me any type of billing statement. As of now this company is trying to sue me, I wanted to know my options that I have to settle this issue.
Consumer complaint received 2016-08-25
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CURO Intermediate Holdings (MO)

I received a loan for XXXX originally applied for XXXX and only took XXXX I got charged for the money I never picked up I paid XXXX on my first installment and I still owe XXXX. The interest is a rip off how can I get the amount paid if the interest does n't go down with a smaller amount due. I do n't get payday loans for this reason easy to get into hard to get out of!!!
Consumer complaint received 2021-10-05
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. (GA)

Transunion, XXXX, and XXXX are all in violation of the FCRA. They have refused to remove the following account from my consumer report DEPT OF ED/XXXX ACCOUNT XXXX XXXX. As a consumer I have a right to privacy Under the FCRA, 15 U.S.C. 1681 ( 4 ) which states, There is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to PRIVACY. They have violated my privacy which can be considered identity theft. They do not have a permissible purpose to furnish my consumer report. I did not give you any written instruction to do so. This is also a violation Under the FCRA, 15 U.S.C. 1681b ( a ) ( 2 ) Permissible purposes of reports.

Under the FCRA, 15 U.S.C. 1681g, I have the right to demand that they disclose to me all of the documents that they have recorded and retained in their file at the time of this request concerning the account that you are reporting in my credit report.
Consumer complaint received 2021-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (KS)

There is a loan that was disbursed XXXX in the amount of XXXX with the U.S Department of Education. Inaccurate information is reported on my credit report with XXXX, XXXX  and XXXX  that I had late payments on this account. It is reporting thatIt was delinquent XX/XX/2015, XX/XX/2015, XX/XX/2015 This is incorrect information I have never been late or had negative history on any account. This account was in forbearance during this time, all paper work was submitted and was on forbearance meaning no payments for due. I have already reached out to both the credit Fed loan they denied the corrections to my credit report and the credit bureaus. This negative history on my credit report is affecting my credit score and my ability to obtain a mortgage. I want this inadequate information to be removed from my credit file.
Consumer complaint received 2017-11-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Suburban Credit Corporation (MD)

SUBURBAN CREDIT CORP XXXX XXXX XXXX XXXX, VA XXXX, they are reporting inaccurate information. This bill was paid in full I faxed the information regarding the payment receipt twice. I have called and spoke with XXXX several times and they are still reporting false information.
Consumer complaint received 2022-10-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CT)

In XXXX Shellpoint activated foreclosure on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. In an earlier complaint, I requested the dates on which each foreclosure was rescinded. Shellpoint only addressed the XXXX foreclosure in their response. 

In addition, in XXXX, Shellpoint provided a package containing the documents mailed to the Borrower since the loan 's inception the communications about the XXXX and XXXX foreclosures were not included in the package.
Consumer complaint received 2022-10-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch (DE)

On XX/XX/2022 I filed a complaint with the XXXX  regarding Stillman Law Offices attempting to sue me over an invalid debt. In the complaint, I demanded a cease and desist and also noted any further communication would result in myself filing complaints to the CFPB and the MI Attorney Gener. Stillman Law offices has now filed suit against me and I am moving forward with my actions. In addition to this complaint, I am making another case with the MI Attorney General.
Consumer complaint received 2019-03-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Navient Solutions, LLC. (OK)

I spoke with Navient on the phone about 2 years ago and they advised they were a third party collection agency. I advised them I did not have a debt with them.Asked them to verify this debt with name and signature and they never responded. 
Currently I have been under a XXXX XXXX plan. 

Recently on XX/XX/XXXX and XX/XX/XXXX my Federal Taxes and XXXX Taxes were taken from me and applied to a delinquent debt. 

The applied debt was taken by U.S. Department of Education C/O Navient, P. O. Box XXXX, XXXX XXXX XXXX XXXX, Pa XXXX. Also XXXX XXXX XXXX XXXX  XXXX XXXX, P.O Box XXXX, XXXX XXXX, Oklahoma XXXX. 

However, this Company Navient and XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, In XXXX, a third party collection agencies, never proved that I made a debt with them. I was never taken to court by either one of these two companies. I did, however, send a letter to both of them to verify this debt. I also advised them that I needed proof of debt with date and my signature on it. They could never verify that I ever made the debt with them. 

I believe this is an unjust claim for them to take my Federal Taxes and XXXX   State Taxes due to the nature of the claim. 

To resolve the problem, I would appreciate and request a full refund. 

I look forward to your reply and a resolution to my problem, I will wait hopefully for sometime in XXXX for a resolution. 
I received a phone call yesterday leaving a message without whom to contact and advising me they will be coming after my pay check. 
I need assistance as soon as possible. 

I sent letters also to My Consumer Protection Agency and My Attorney State General. 
XXXX tax was {$920.00} XX/XX/XXXX and last years they also took XXXX $ XXXX included they took my Federal Tax {$2900.00} XX/XX/XXXX
Consumer complaint received 2019-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XX/XX/15 I use XXXX  XXXX to purchase a couch. The couch was paid off yet I see on my report that the account was part of a bankruptcy. Ive never filed for bankruptcy in my life. Please have this removed from my account. Thank you
Consumer complaint received 2017-11-20
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. (TX)

Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED Late account information from my consumer file. Despite my three written requests and complaints, the unverified Late items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated to the Creditor Bureaus that you verified that these items are being reported correctly? You still have not identified who in your company verified the accuracy of these Late accounts or how they verified them? As previously pointed out to you, XXXX Law Dictionary, 6th Edition, 1990, defines Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. What this means is that your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged late account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 



XXXX XXXX XXXX XXXX/ XXXX XXXX
Consumer complaint received 2022-03-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Northstar Location Services, LLC (FL)

I am a natural person/ not a third party company Northstar location service sent post card stating that I owe an alleged debt without the 5 validation of me owing such debt pursuant to 15 usc 1692g from the fair debt collection practices act and violated my consumer rights and I seek remedy.
Consumer complaint received 2021-07-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Absolute Resolutions Corp. (MD)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Consumer complaint received 2024-03-13
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Shellpoint Partners, LLC (WI)

NewRez has an insurance department, I received a letter from them stating that they had purchased insurance on my behalf, the insurance they purchased a couple of days ago they said is for me to have coverage for Last Year from XX/XX/XXXX to XX/XX/XXXX, they said that they will take the money from my escrow account, I never agreed to this, never gave consent nor did I signed any documentation. I have called them several times asking how and why are they purchasing insurance for a year that haas passed, insurance companies can not backdate coverage is unethical, illegal. I asked for documents of coverage and contact information for the insurance company, they put me on hold for over 10 minutes to find the name of the supposed company that sold them backdated insurance coverage, the said the name is XXXX XXXX XXXX XXXX XXXX XXXXXXXX I asked for a phone number... they put me on hold for an extra 10 minutes to let me know they DID NOT have their phone number, spoke to different reps trying to solve this issue and I XXXX XXXX XXXX XXXX XXXX XXXX XXXX and found a phone number, I called them gave them the supposed insurance policy number XXXX and XXXX said they did NOT have that policy, that it belonged to XXXX XXXX , ( NewREz Ins. Department lied to me ) XXXX transferred my call to XXXX XXXX, I gave them Insurance Policy number to find out more about it, and they said the same thing, that it belonged to a different company called Shellpoint, they gave me the phone number and also transferred my called to them and guess WHAT!!!! Shellpoint is the Insurance Company that works with NewRez, which is the Ins. Company that sent me the letter and told me they purchased backdated insurance from XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX conclusion is that they are pretending to purchase insurance on my behalf from a third party insurance company and getting the money for themselves. I yesterday I called NewRez directly instead of talking to their insurance department and the Loan Concierge, misname is XXXX XXXX said that backdated insurance can not be purchased anywhere, he said to called their Insurance Department and asked them how and why are purchasing insurance for a time that already PASSED and why are they " billing '' me. XXXX XXXX submitted a Complaint the number is XXXX I have recorded all the conversations I had with all of the reps. Last time I called the NR Ins. Department the lady refused to give me information and hang up on me. ( recorded )
Consumer complaint received 2022-03-31
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. (NV)

Manipulating credit score social security profile by re-ageing delinq negative reporting every 4 months on closed credit accounts on XX/XX/XXXX then removed to reage on XX/XX/XXXX same day of investigation in order to detriment and stress credit. Denied credit based on Experian illegal dispute predatory tactics on US Consumers personal credit. Scammer for debt collectors not entitled to consumer financials
Consumer complaint received 2021-03-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Paypal closed my account without a clear reason. I have been trying to contact them but to no avail. I think they made a mistake but they are no longer trying to help me. I've been using Paypal for years now and it's affecting me because I can no longer access my account where I get my payments. 
I found out that I can file a complaint here and seek for your help. 
My email linked to Paypal is " XXXX ''
Consumer complaint received 2021-10-05
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. (SC)

XXXX XXXX issued us the same tickets XXXX  XXXX. 
Chase Claim ID : XXXX We bought air tickets round trip on XX/XX/2021 Tickets Total amount= {$2600.00} Original Tickets attached. 

Charged again on XX/XX/2021 {$3000.00} During travel back, due to technical issues with XXXX check in, our XXXX  was not opening up. They denied check-in and boarding. Me travelling with spouse and with XXXX kids ( XXXX yrs infant and XXXX yrs old ). 
Since i had to report for urgent meetings and office work and kids vaccinations, schooling etc, we had to travel back. We requested a lot to officials and no body helped. We were forced to buy tickets as there was NO ALTERNATIVE but to pay. 

Discussed with CHASE and XXXX XXXX. 
No response from merchant when tried to discuss with customer service. 
Chase team asked to talk to merchant. 

Appreciate, if team can understand the hassle fighting for the concern from last 6 months, XXXX bad and dis-respectful behavior with my wife, XXXX pathetic customer support, CHASE not helping us and understanding the concern and charging interest fee. 
We feel stranded.
Consumer complaint received 2019-03-08
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AR Resources, Inc. (FL)

On XX/XX/2019, I received a letter from AR Resources saying I owed a medical debt. The letter states the original balance is {$160.00} and a collection fee of {$46.00}, for a total of {$210.00}. 
First, AR Resources is a medical debt collection company and barred from collecting fees and/or interest *unless* agreed upon in a contract by both the consumer and the provider. No agreement with the original provider was made ( XXXX XXXX XXXX XXXX ). I request a full breakdown of what these fees are ( i.e. late fee and/or interest ). As such, I dispute the validity of these fees. 

Second, the letter from AR Resources includes a breakdown of the services my Daughter ( XXXX XXXX ) received at XXXX XXXX XXXX XXXX. This breakdown alleges that our insurance company was billed ; however, they *never* billed our insurance. As a result, these charges are what a person would pay " out of pocket '' when they do not have insurance. Had the claim actually been submitted, our medical insurance company would have reduced those charges based upon the contracted rate with XXXX XXXX. As such, I dispute the validity of these charges. 

Third, AR Resources is violating the FDCPA, wherein a debt collector must include the statement that the consumer has the right to dispute the validity of the debt within 30 days. 

Thank you, XXXX XXXX