davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-03-21
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ProCollect, Inc. (TX)

I received an email alert from my credit monitoring company about a collection hitting my account. I was not aware of this debt. I contacted the collection agency and they would not disclose any information about who is filing this collection. The agency said their job is to collect the debt period. To make matters worse, the debt is from XXXX of XXXX. I asked why no one had contacted me prior to placing a collection on my account. The collection company, PRO COLLECT, had no response. I have been at my current address since XXXX of XXXX. So there is no reason I should not have received a bill. In XXXX of XXXX I was working for a large computer company and IF I did go to the medical facility as they have indicated my company insurance would have pay any charges and informed me directly if they were not going to pay a particular charge. By waiting 6 years to attack me, my insurance company is now out of the picture. I do n't think this is fair. I have a high credit rating because I pay my debts. I do n't like the way this company can place a collection on my account without ever telling me. XXXX the comments I kept getting from different people I spoke with at " PRO COLLECT '' was " Were sorry if you never got a bill ''
Consumer complaint received 2024-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I opened my account with capital one back with credit cards in XXXX XXXX I got a name change XX/XX/XXXX, I then opened a checking account with capital one XX/XX/XXXX my account with capital one was already established under my old name and in XXXX I started to have my pay from my employer direct deposited into capital one. And on my pay stubs had my new name. And then XXXX of XXXX they froze my account because they JUST saw my account is under one name and my direct deposit is under my new name. And I just received an email my account could be closed due to inconsistencies. I have given them several prove I am the same person with a different name due to a name change
Consumer complaint received 2016-04-28
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: TCF NATIONAL BANK (MN)

TCF Bank denied a valid Charge Back because of customer benefit. I tried to return the product back to XXXX XXXX XXXX three times. Two by email one by certified mail restricted delivery. The certified mail was unclaimed and mailed back to me. Under visa regulation E under chargeback Management guidelines for merchants. reason code XXXX : not as described or defective merchandise. I 'm only required to make a valid attempt to return per visa regulations. XXXX example is " an example of a valid attempt to return may be to request that the merchant retrieve the goods at the merchant 's own expense. Please see attached visa regulations. Two times on XX/XX/2016 I requested per email that XXXX XXXX XXXX. " I 'm requesting that XXXX XXXX XXXX come retrieve puppy ( took out name ) at your own expense. '' On XXXX XXXX, 2016 I requested per certified mail return receipt that XXXX XXXX XXXX. " I 'm requesting that XXXX XXXX XXXX come retrieve puppy ( took out name ) at your own expense. The mail was unclaimed and returned back to me. I followed visa regulations and fact is TFC wrongfully denied my claim. I 'm legally entitled to a full refund per visa regulation E guidelines that TCF bank is supposed to follow and simply does not. If this issue is not resolved here I will separately file The Claim Notice for Arbitration I do know my rights and they were wrongfully denied here.
Consumer complaint received 2017-05-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (PA)

Starting near the beginning of  XXXX , I have been making multiple requests to change my payment due dates to coincide with the  XXXX  of the month. FedLoan Servicing promises that these will be processed with in ten busin ess days, but has failed to do so time and time again.     More rece ntly (   XXXX   XXXX  or  XXXX  ), I have begun making daily requests about this issue, all of which have gone unanswered or unnoticed. They simply refuse to get back to me at all.
Consumer complaint received 2015-11-07
Product: Credit card — 
Issue: Billing statement — 
Company: AMERICAN EXPRESS COMPANY (MI)

Related to managing my American Express credit card ( https : //www.americanexpress.com ). Their website is VERY misleading. First, upon signing on to the website, the account activity screen shows only the current month 's ( period ) purchases and current amount due. Any amount due from previous months is not shown. Second, interest charges and late fees are NOT shown in the account activity detail. Any interest or late fees is included in the amount due. In other words, the current amount due is MORE than the total of current purchases. Third, payment activity shows only electronic payments made. I recently sent a paper check, they cashed it, and it does n't show in my account activity. And because only the current period balance due is shown online, I can not tell if the paper check payment was truly credited to my account.
Consumer complaint received 2021-03-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: WESTERN UNION COMPANY, THE (MD)

I have used XXXX XXXX for transferring money overseas to my family for several years in a row. Online, on a monthly basis, and always to the same 2 members of my family. Suddenly, in XX/XX/XXXX, I can no longer do that online : everyone of my attempts end up in a denial of service with a vague message asking me to check my form of payment or some other excuse. Prior to that moment, I had always used my debit card as a form of payment for several years, without ever a problem. 

I tried to get an explanation of this by phone from supervisors of the agents I spoke to and every time was simply told that " there must be a problem with your form of payments. '' I then wrote twice to XXXX XXXX Customer Care ( XX/XX/XXXX and XX/XX/XXXX ) and twice received the following email Concerning the error that you are receiving, this is to inform you that based on the information you have provided, XXXX XXXX must decline to process your intended transaction. XXXX XXXX is subject to a number of economic sanctions and restrictions imposed by the United States and other countries, and it appears based on the information that you have provided that the transaction might violate one or more of these sanction programs. 

I subsequently made several attempts on the phone to get more information from various XXXX XXXX supervisors to no avail. 

To this day, despite several attempts on the phone or by email, no one at XXXX XXXX has seen fit to tell me exactly what I did wrong and how I can fix whatever it is. 

All I want to know is the reason why I am suddenly unable to make money transfers online and how to fix whatever the problem is. In the meantime, I am forced to find a physical store that does XXXX XXXX transfers and make transfers paying much higher fees every time. 

Please, help me. 
XXXX XXXX XXXX
Consumer complaint received 2020-10-20
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. (SC)

On XX/XX/2020, I contacted all 3 credit reporting agencies in writing, via USPS Certified Mail, and informed them that I have recently become aware that I have been a victim of IDENTITY THEFT and provided them with a copy of my Police Report, Identity Theft

Affidavit, driver 's license and a recent utility bill and requested that they comply with the FCRA Section 605B, by blocking the information that I have detailed to them that was fraudulent on my credit file. To date, neither of the 3 credit reporting agencies have taken my situation seriously and have treated it as a routine dispute. FCRA Section 605B states : Except as otherwise provided in this
section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4
business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

According to USPS Certified Mail Tracking Information, Transunion  received their package containing all of the above required information on XX/XX/2020 ; XXXX  received theirs on XX/XX/2020 ; and XXXX   received theirs on XX/XX/2020. Each one of the Credit Bureaus are in  receipt of the required information, yet they have not acted in accordance with FCRA Section 605B. The bureaus are treating my Identity Theft as a routine account dispute and have not blocked the fraudulent information within the 4 days, as required by FCRA Section 605B.
Consumer complaint received 2019-02-27
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

In XXXX of XXXX, XXXX XXXX XXXX put a charge on my credit card for XXXX. There has been an ongoing dispute about this charge because XXXX XXXX XXXX has refused to provide services that were properly working. The result was I cancelled the service on XX/XX/XXXX and installed XXXX XXXX. I have been providing ongoing documentation to dispute this charge and all Capital One is doing is constantly putting the charge back onto the card. I have been unsuccessful in keeping the charge off of the card. As of XX/XX/XXXX the card was rebilled again for the charge. I was told on Saturday the XXXX XXXX that the charge will remain off because all the documentation including pictures were sent by the XXXX of XXXX. This was a lie.
Consumer complaint received 2016-10-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

I have provided the following attached letter to Equifax to remove this collection from my credit report. My first dispute was XXXX XXXX, 2016 and Equifax has not removed the collection. I would like this removed from my credit report. ACCOUNT # : XXXX
Consumer complaint received 2024-03-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (VA)

XX/XX/2024 MoneyGram Payment Systems, INC XXXX XXXX XXXX XXXX XXXX, MN XXXX Ref : Termination of my Profile I dont understand why you found it necessary to terminate access to my account with you that I have had for several years, and all my transactions have been for legitimate reasons : I will list the last transactions I have made and an explanation. 
# XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$640.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$300.00}, XXXX XXXX XXXX XXXX # XXXX # XXXX, XXXX XXXX XXXX XXXX {$640.00}, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX ( TRANSACTION CANCELED ) I have strong connections with XXXX, lots of friends in that country, so let me explain my transaction which I shouldnt have to. 
Transaction # XXXX for payment of services for XXXX XXXX XXXX XXXX XXXX XXXX. Contact person is XXXX XXXX XXXX, XXXX XXXX. The Money was sent, and XXXX  XXXX has a courier whose name is XXXX XXXX XXXX. The information applies to transactions # XXXX. 
Transaction # XXXX Is a very dear from of mine whose going through some difficult time, without a job, and I loan him {$300.00} until he gets on his feet. 
Transaction # XXXX Is another dear friend of mine in XXXX XXXX for an appointment with XXXX  XXXX, and in the interim was able to get a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and he needed money for food and a XXXX XXXX 
I respectfully request you call these people to corroborate my information, restore access to my account or accuse me of a XXXX  and turn me over to the authorities. 
What should a friend let other friends XXXX XXXX XXXX  or lend a helping hand. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Consumer complaint received 2021-01-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (CA)

XX/XX/21 & again on XX/XX/21 Sunrise Credit Services contacted me and tried to extort money from me regarding a debit that IS NOT MINE! They said the debt is owed to XXXX XXXX XXXX at and address that I lived at for 4 months 21 YEARS AGO! 

I contacted XXXX XXXX XXXX and they compared my email address, social security number, drivers license, and phone number with this fraudulent account and CONFIRMED THAT THIS IS NOT MY DEBT! The XXXX XXXX XXXX rep also stated that " these collection agencies contact consumers in an attempt to intimidate them into paying debts they don't owe, she also said that these collection agencies don't investigate or confirm if debt is valid, they just XXXX part of the consumer 's name & choose ANYONE whose name is remotely similar and start harassing them, she also stated that this fraudulent debt will continue to be sold again and again to even more vicious collection agencies ''. 

I think this is wrong and unfair to me
Consumer complaint received 2015-10-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: CITIBANK, N.A. (CA)

Loan Relief LetterTo Whom It May Concern : I am concerned about the current amount of my student loan payments. I have XXXX distinct sets of students, XXXX from private providers XXXX Citibank and XXXX XXXX and XXXX consolidated batch from the XXXX XXXX XXXX XXXX. Here 's the breakdown : Monthly PaymentsCitibank : $ XXXX : $ XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX : {$1300.00} ( monthly ) Total Loan DebtDirect Sub Consolidation Loan : $ XXXX Unsub Consolidation Loan : $ XXXX : $ XXXXCitibank : $ XXXXTOTAL LOAN DEBT XXXX $ XXXX earn approximately {$4800.00} per month at my full-time job. This means that I am currently utilizing nearly 30 % of my monthly income on student loan repayment. This is an incredible burden that I will not be able to sustain for long. I work at a local educational nonprofit that diverts youth from the criminal justice system into a more comprehensive and holistic alternative to incarceration, so I hope to take advantage of the XXXX XXXX XXXX XXXX Program. That said, I need relief in the near term to even be able to afford regular monthly payments. Please advise. 

Thank you, XXXX XXXX
Consumer complaint received 2016-08-16
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have Bank of America cash reward credit card since XX/XX/XXXX or XX/XX/XXXX ( this is also my first credit card ). I have set auto-pay for this credit card. It worked well in past years. But the auto-pay stop working since XXXX XXXX. I did not notice that since most time I use my other credit cards. Then I received a mail from BOA said I did not payoff my balance for 3 months, and I have to pay off the balance otherwise my credit card account will be closed. I paid the balance ( less than {$45.00} ) immediately. But my account still being closed, and my accumulated cash reward is also gone ( it is about {$24.00}, since it is less than {$25.00}, BOA said can not redeem my reward ). 


Actually, I 'm totally fine with the close of this credit card account. 
BUT this experience makes me upset and angry. 
1 ) it is not my fault that auto-pay does not work. I have credit cards of XXXX, XXXX, XXXX XXXX. and all other credit cards work well with auto-pay. The reason I set auto-pay is I don not want to spend time to keep an eye on them. 
2 ) I just noticed my FICO credit score dramatically drop from XXXX to XXXX after that. 

I have over $ XXXX in my BOA checking account, and they close my account for balance of {$45.00}, and the reason is their auto-pay does not work. Why they can not give me a call at the very beginning, but mail me after it happened for 3 months. 
The worst part is it will take me very long time to reestablish my credit, and it will affect my subsequent purchases ( mortgage interest ).
Consumer complaint received 2015-06-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (DC)

Dear CFPB, I have a high level issues for you today, XXXX you are likely aware of already. 

My student loans were recently switched from XXXX XXXX to XXXX, which is a subsidiary of XXXX XXXX, per a restructuring of XXXX XXXX loan portfolio. Shortly thereafter, I engaged a XXXX Income-Based Repayment ( IBR ) program, in XXXX XXXX specifically. The original XXXX XXXX accounts related to my loans were closed ( standard procedure ), and new ones opened up with XXXX for this IBR plan ( also standard ). 

As a result, the average age of my credit accounts was reduced significantly, even though the actual DEBT is the same debt I have had since graduating both XXXX ( XXXX ) and XXXX ( XXXX ) programs. The move to an IBR plan helped me financially as I am able to better service the loans, save money for a house and invest in the stock market ( and employer XXXX ). 

So in essence, I 've made the right moves to better balance my financial obligations, long-term investment plans and economic consumption ... but I am penalized on my credit report for a shorter duration of accounts because the XXXX IBR constitutes a new account ( XXXX to be exact ). On the plus side, I reduced the number of student loan accounts I previously held from XXXX to XXXX, but that is a different issues altogether ( classification and organization of debt accounts can be detrimental to credit reports even if that debt is attached to XXXX overall degree program ). 

I 'd like to ask for your collective brain power on this : should I be penalized on my credit reports for making good decisions about my debt obligations? I feel that goes against the spirit of our credit system, but I am just XXXX XXXX, right? 

Thanks for listening, would be happy to engage in a dialogue at your convenience. 

Best, XXXX
Consumer complaint received 2020-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I pulled my Experian credit report on XX/XX/20 after the sale of my home on XX/XX/20 to ensure my mortgage company XXXX XXXX XXXX ( XXXX ) reported the loan payoff and final payment activity correctly. My credit report showed that XXXX added a delinquent status in XX/XX/2020 indicating a late payment of over 60 days old and a negative payment status of Legally Paid In Full for Less Than The Full Balance. These are both errors as I made all my mortgage payments to them on time and they received the full payoff for my loan after closing. I confirmed with my closing attorney XXXX XXXX   XXXX  that XXXX  received full payment. 

On XX/XX/2020 I sent XXXX  a formal letter requesting they correct their errors on my credit report along with my XX/XX/2020 credit report, closing disclosure from XXXX XXXX XXXX and a copy of my XXXX  billing statement. 

On XX/XX/2020 I received a response from XXXX  stating that they would not correct their errors on my credit report. The correspondence included a summary of my mortgage activity from THEIR OWN SYSTEMS proving that I made all payments on time, that they had in fact received the full payoff amount and it was equal to the full balance owed. Despite this evidence they are refusing to update my credit report. 

I consulted my attorney and he recommended that I file a complaint with CFPB. Their error has dropped my credit score XXXX  points and I really need your help working with them to get this corrected. 

Thank you for your time and consideration, XXXX XXXX
Consumer complaint received 2015-10-04
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Debt Management Partners LLC (TX)

In 2013 I paid my debt which was to XXXX however they sold my account to a Debt Management Partners company and they are still trying to get money and are still reporting that I owe them money even though the debt has been paid. Here is what they sent me '' As we previously advised you, you have failed to make payments required under your loan agreement or to contact us to take corrective action. As a result, your account number XXXX was sold to Debt Management Partners on XXXX/XXXX/2013. The outstanding balance was {$770.00}. 

This third-party debt buyer retains all legal rights to the amount owed. If you would like to make a payment, please contact Debt Management Partners at XXXX or http : //www.dmpcollections.com/. " The information they are reporting is inaccurate has the debt has been paid as of XXXX XXXX, 2013.
Consumer complaint received 2016-08-21
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (MT)

we have a rural development loan for a home that got sold to chase we got it 5 years ago, than recently i had XXXX XXXX XXXX and we incured alot of medical debt and we fell behind on are mortgage payments. we have tried to do a loan modification 5 times and keep getting denied they loose paperwork and keep giving us the run around we want to stay in our home and are doing everything we can to get caught up, but chase seems unwilling to work with us. they say we only qualify for a short sale and keep threating us with foreclosure
Consumer complaint received 2017-07-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

My account balance with  XXXX  was  discharged in a Chapter   XXXX  Case #  XXXX  filed   XX/XX/XXXX  and  converted to a Chapter  XXXX   XXXX  filed  XX/XX/XXXX .  To date Chex Systems has continued to report my account negative. I was granted relief from this debt and I want the account removed from Chex Systems immediately.