davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (WA)

I have been trying to reach citi involving my Citi Simplicity Card, as they sent me a letter in the mail and here on the CFPB website. 

Today is XX/XX/2020, and they finally answered their phones at the Citi Recovery Department, but the internal department said they did NOT have a copy of the letter that XXXX XXXX sent to me. The case number is # XXXX and his letter is dated XXXX XXXX. The agent told me that they couldn't work out a repayment plan with me, and didn't have a copy of the letter. 

My Citi Simplicity account number is XXXX. I was ready to pay my two amounts that XXXX XXXX stated in his letter, but they couldn't do it the agent said on the phone. I'm not understanding, as XXXX XXXX even said, that the representative didn't inform me, that my account was being charged. He gave me a phone number to call which I was finally able to get through too, as they had closed temporally because of the Corona Virus. 

I want to make my payments, and have a payment plan going forward. I need to know who to exactly contact regarding this matter, even if it's via email XXXX, my address, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX WA XXXX. My phone number is XXXX. 

Please get in contact with me.
Consumer complaint received 2020-04-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: REGIONS FINANCIAL CORPORATION (FL)

On XX/XX/2020 I checked my balance and transactions. My available balance was approximately XXXX, I purchased a part at XXXX for {$100.00} at XXXX XXXX on XX/XX/2020. On XX/XX/2020 I checked my account and there was a charge from XXXX for {$6.00} that had been purchased on XX/XX/2020. The XXXX purchased was moved to XX/XX/XXXX and an over draft of XXXX was charged on XX/XX/XXXX. I contacted the bank and XXXX said he would bring it to his manager. Then on XX/XX/2020 Ichecked my account and there was another overdraft charged. I called the bank and spoke to XXXX ( who identified herself as branch manager ) she apologized for not returning my call in timely manner. I attempted to explain to her what was wrong and she said she could not refund the charges and I need to understand how bank accounts work. She tried to tell me that the XXXX charge caused an overdraft before the XXXX charge came in. At that time I had XXXX something in the account ( so no overdraft ) but I was charged one. The next day because they moved the purchase to the next day they charged me another XXXX overdraft. 
I can do math and there is absolutely no way there was 2 overdrafts!
Consumer complaint received 2024-05-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (WI)

This will be the last attempt to resolve this matter, or I will be taking civil actions against National Credit adjusters. Failure to provide the proper documentation of the initial communication letter certified mail green receipt. I did not ask National Credit Adjusters to send me a written letter dated XX/XX/XXXX, telling me about a letter I have never received. I have requested National Credit Adjuster to send me a copy of the original certified letter that National Credit Adjusters allegedly claimed they mailed out on XX/XX/XXXX.
Consumer complaint received 2023-07-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (FL)

I received a few calls from XXXX XXXX XXXX regarding a XXXX bill that was outstanding for {$490.00}. After contacting XXXX via chat, they confirmed that my account was current, and apparently, I had another account open, and I never received a statement by email or mail, and it was overdue. The XXXX team committed to resolving the problem since it was clearly a mistake. My first contact was on XXXX. Then I did follow up on XXXX, XXXX, and XX/XX/XXXX. I am sending prints of my chats to confirm the discussion. Despite the confirmation in writing that the supposed overdue balance was resolved, my case was sent to collection and therefore to my Credit report, affecting drastically my credit score. Eventually, when I called the support service, I was told that was an account open online that the salesperson at the XXXX store who sold my current service told me he was closing- was actually never closer. I never received by email or mail one single statement for that account and XXXX decided to send it to collection without contacting me either one time.
Consumer complaint received 2020-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (CT)

Number one I was denied a new card after 32 years under the nonsense of credit score, mine is XXXX, their required number according to their guidelines is XXXX, my card was closed by mistake, their mistake. Number two they reported to credit reporting that I closed the account, causing my credit score to decrease, they closed it.
Consumer complaint received 2017-07-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

I am submitting requested document from CFPB Case # XXXX, notarized affidavit. I previously submitted a complaint to CFPB. You assigned it complaint number XXXX. Then I responded, you gave it complaint # XXXX and today XX/XX/XXXX I am submitting again : The company responded to the complaint and attached a credit card statement that shows my name with an address that I never occupied. This means that this account was opened using identity theft. Though I requested from the collection agency to obtain a copy of the signed credit application and send it to me, they instead sent you a credit card statement. Yet as you can see, the address on the statement is an unknown address for me and this is why I demand that the collection agency obtains and sends me the copy of the signed credit application for that debt. The collection agency has replied on the documents attached to the first complaint I filed, a letter indicating that If I believe that the account was a result of identity theft, that I must file a police report. I went to my local precinct to file an identity theft, yet when I showed the letter from LVNV funding where it says account opened in XX/XX/XXXX, the officer refused to give me a report because he says he ca n't file a report for something that happened 7 years ago and without evidence such as the signed application which LVNV funding failed to provide.
Consumer complaint received 2020-04-21
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Law Offices of Mitchell D. Bluhm & Associates (FL)

Received a letter on XX/XX/XXXX from Mitchell D. Bluhm & Associates , LLC XXXX original creditor Florida XXXX ) for {$590.00} with a date of service of XX/XX/XXXX. The letter states that my Florida XXXX account was acquired by XXXX XXXX XXXX and placed with the law firm for collection. The balance they're saying I owe is grossly and disgustingly overstated and incorrect. I will be requesting debt validation, however I refuse to pay an inflated amount. I am also skeptical about paying any money to a " law firm '' that has no website and is not XXXX  accredited. This sounds like a debt collection scam to me.
Consumer complaint received 2017-07-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NE)

Addendum to CFPB Complaint XXXX additional Kohls credit representative complaints : ( As CFPB does not allow modifying complaint once entered : ) After reviewing Kohls.com online payment documentation there were two additional problems in my interaction with Kohls credit representative on XX/XX/XXXX : Kohls credit representative said with full confidence that Kohls charge card payments only post same day in the local store up until XXXX XXXX. Kohls.com online documentation states payments will post the same day any time up until store close. Kohls credit representative said with full confidence that Kohls charge payments made the same day online, even before XXXX XXXX, will not post that same day. Kohls.com online documentation states that online payments made before XXXX XXXX will post that same day. The agent was a absolutely terrible representative for Kohls. I now have no faith whatsoever in any interaction with Kohls credit personnel, including supervisors. I think I have to go through CFPB on everything account related, to get a straight story. XXXX
Consumer complaint received 2020-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CA)

I recently filed a complaint against Chase for closing my credit card which they responded back that they did based on a recent credit report pole however I just looked at my Chase credit report and they reported it as a settled account which is inaccurate. So not only did they close my paid off account they are now reporting it as if I settled it and paid less than the actual balance which is not true. I paid that card off in full with no settlement ajnd I would never have wanted it closed as it was a long-standing credit card with Chase This has not only hurt my credit report for the closure but now it is showing as a settlement and Chase is reporting this wrong. This is false information and Minimally I would like it fixed on my credit report But ideal situation would be for them to reopen my card as I was current on the card and had just paid it all.
Consumer complaint received 2018-02-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: World Acceptance Corporation (GA)

On XX/XX/XXXX, I received a settlement letter from World Acceptance Corporation in the amount of {$240.00}. In response, I mailed a letter to World Acceptance Corporation with a copy of the settlement offer they sent me asking for the validity of the debt. In return, I would agree to making a full payment, after I receive a letter with the company letterhead agreeing to the offer with the removal of the account from credit report. However, World Acceptance Corporation only sent a letter stating they received my letter on XX/XX/XXXX, but was unable to identify any account with their company. The company asked me to send my full Social Security and Account Number to  locate the account. I refuse to send any information to this company. If the account exist the company should be able to locate the account by the account number they printed on the settlement letter. Also this company should have all viable information, since this account is reporting on my credit report. 

I request the validity of this account. I also request that this account be immediately removed from all three credit bureaus including : XXXX, XXXX and XXXX. A letter stating the deletion of account must be mailed to the address on file.
Consumer complaint received 2020-06-30
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (CA)

Rocket Mortgage has three loans outstanding with me- two mortgages on two properties and one HELOC on one of them. I have been doing business with them for about 10 years now. he HELOC is for $ XXXX and the outstanding loan amount was for about {$7500.00}. The last payment due was about {$200.00}, I usually keep very low balances on my HELOC and pay it off fully as soon as I can. I had one late payment recently ( I think the only late payment I have ever had in my entire history with this company ) which was delayed by over 30 days since we had a case of COVID in our home. As soon as I found out that I was late, I immediately paid off the entire amount down to a XXXX balance. 

Instead of understanding the situation, this greedy and unethical company immediately froze my HELOC without telling me that they would. Then when I asked, they sent me a form to unfreeze the account. After I sent in the form, I then find out from them that the freeze has to be for 6 months for timely payments. How am I making timely payments on a XXXX  balance? I believe this company does not like the rate it is giving me on this loan and is trying to get out of it under this flimsy excuse.
Consumer complaint received 2021-09-13
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: Resurgent Capital Services L.P. (TX)

On XX/XX/2019, LVNV FUNDING LLC add a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/ sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was No written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, LVNV FUNDING LLC has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Consumer complaint received 2018-06-13
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: HSBC NORTH AMERICA HOLDINGS INC. (UT)

I made a purchase with my HSBC credit card, but cancelled the order with the merchant. Merchant accepted the cancellation : " XXXX-Sales Tue XX/XX/XXXX, XXXX XXXX Hello, We're so sorry to be losing your business and will submit your request to cancel. Is there something we could've done better to gain your business? Did you find a better deal somewhere else? 

Thank you, XXXX " Then I received an email nearly a month later : " XXXX-Sales   XXXX Thu XX/XX/XXXX, XXXX XXXX Hello, I am reaching out to let you know that today we tried processing a refund for your order with us, and the transaction was declined. 
There has been a very big push on the Credit Card processors to not do business with companies who sell firearms, and they are not allowing us to process refunds at this time. 
This has caused a huge problem for us as well as our valued customers, and we apologize for the inconvenience. Since we are unable to process the refunds through the Credit Card processer we kindly ask that your credit card company cancels this transaction for your order. We know that this could negatively affect our company, but unfortunately our hands are tied. 

We are so very sorry Thank you for your understanding. 
We hope that you have a wonderful day -XXXX Bless- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX '' I requested an immediate reply from XXXX : " XXXX-Sales Thu XX/XX/XXXX, XXXXXXXX XXXX It looks like we tried to refund your purchase, however the credit card processor we were working with declined the transaction. 
We kindly ask that you contact your bank and ask them to do a credit reversal. 
If they need to speak to us please just give us the contact information. 

We are so very sorry for the hassle. 

Thank you for your time. 
XXXX " Still no refund, so I contact HSBC.

HSBC keeps sending me different emails to submit these emails to them. Each email bounces back by their own server. One email given by email from HSBC was : XXXX. On the phone they said, " XXXX '' -- both can't be reached by XXXX XXXX or XXXX XXXX. 

HSBC is refusing to provide any support after multiple calls. 

Each email I send them ignores the information previously provided and given. 

Finally, HSBC suggested I contact the merchant. However, I have already provided the emails showing the merchant isn't being helpful AND HSBC has already tried contacting the merchant ( unsuccessfully ) while I was on their line with their dispute department.

Thank you so much. I have
Consumer complaint received 2021-02-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

On XX/XX/2015 I had no other choice but to terminate my apartment lease. It was an unsafe environment for my family, surrounded with drug dealers & thief 's. The collection company FCO collecting on behalf of XXXX XXXX XXXX is reporting inaccurate information to my credit report & attempting to collect debt that is not valid. In the debt validation response I have received from FCO it clearly shows that I signed a addendum called " Florida liquidated damages/Early termination addendum '' that maximum amount I would be charged with or without a 30 day notice is {$1000.00}. The move-out statement shows a charge for early termination of {$1400.00}, also a random charge with no explanation " rebill '' in the amount of {$400.00}.
Consumer complaint received 2020-07-16
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: DISCOVER BANK (NY)

On XX/XX/20 fraud occuried on my account with XXXX  XXXX and discover hard pull inquries. I never applied for either. I didn't authorize anyone to do so on my behalf. I will show you guys a picture. I just want my stuff to be accurate I'm gon na change log ins and different things so this doesn't happen ever again. I'm hoping you guys have an understanding. If anyone walked into these banks it wasn't me I didn't sign anything or do anything online with XXXX XXXX or Discover
Consumer complaint received 2022-09-11
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: JPMORGAN CHASE & CO. (NJ)

On XX/XX/XXXX I spoke to XXXX from the Chase card executive office. She confirmed receipt of my complaint from the consumer financial protection Bureau. I explained that in XX/XX/XXXX, I made a payment through the Chase app and upon going into the bank the following month I was informed my payment was 30 days late. I explained to my banker at that time that I made the payment. We immediately called Chase and they explained that they were experiencing issues with the app. I requested the late payment be removed. Chase refused. Thereafter, I have repeatedly contacted Chase to remove the reported late payment, unfortunately, to no avail. 
On XXXX XXXX, XXXX explained that Chase does not have a late payment in their system for my account and advised me to resend the complaint with pictures. I am doing that now in order to fix the inaccurate credit reporting by chase, in accordance with the Fair Credit Reporting act Chase has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-02-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CNG HOLDINGS INC (PA)

In XXXX XXXX I ordered a mattress from XXXX using Tempoe why not lease it. I have used this company a few times before and they always offered me an option to pay off the purchase within 90 days of delivery for 10 % fee. My bed was to be delivered in XXXX but Gotback ordered. Due to this I cancelled and went to XXXX who also would let me use my Tempoe/why not lease it credit. I got my bed and then called the Tempoe To let them know I was going to choose the 90 day payoff option. They then advise me that because mattress firm process the order in New Jersey that state does not offer a 90 day option. I explain to them that every other lease I had done always offered that 90 day option and that it makes no sense why I would not be offered that seem option when Im still being delivered in Pennsylvania I never even went to New Jersey I just placed a phone call now Im dealing with having to pay three times as much for this mattress or return the bed and lose XXXX.
Consumer complaint received 2020-07-16
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 (CA)

I was charged for something subject to a 60 day money back guarantee ; I requested the refund and offered to return the product. I have not received the refund.
Consumer complaint received 2020-08-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (MO)

On XXXX I received a letter dated XXXX from XXXX XXXX XXXX XXXX, XXXX Sweet XXXX XXXX XXXX XXXX, XXXX, NY XXXX, stating I owed Synchrony Bank/Paypal Credit {$110.00}. The letter also stated I must respond within 30 days to dispute the validity of this debt. Also, XXXX XXXX XXXX XXXX is willing to accept {$52.00} to resolve the account. 

The wording sounded suspicious. Their willingness to take a reduced amount on the first contact from this company sounded suspicious. The fact that I do not recall having a balance with Synchrony Bank/Paypal Credit made me suspicious. I checked my account with Paypal credit online and it shows a balance of {$0.00}. I called Paypal Credit, and they were unable to find an account with my name or SSN on it, or even find an account with the number that was provided by the letter from XXXX XXXX XXXX XXXX. 

I believe this is an attempt to swindle me. 

I do not want to contact this company because I believe they will not answer any questions unless I provide them with personal information that can be used illegally. 

contact information provided in the letter : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX reference numberXXXX Amount owed : {$110.00} Resolution amount {$52.00}
Consumer complaint received 2022-04-01
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I submitted a dispute letter dated XX/XX/2022. It is now XX/XX/2022 and there has been no response. According to the FCRA, if there is no response from a creditor within 30 days of dispute, items must be removed