davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC (GA)

Ability Recovery Services I have never done business with advising I owe {$5600.00}. I have been a victim of identity fraud for many years. I reached out to for them to provide information and the credit bureau have and nothing was ever sent.
Consumer complaint received 2018-05-31
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PHH Mortgage Services Corporation (MA)

my Property was going to foreclosure on XX/XX/XXXX, I tried doing re adjustment but they said i can't do that, they gave me 2 months to do short sales or readjustment then I sent all the paper work they needed to do short sales, than they get back to me on XX/XX/XXXX and said all the paperwork i sent was out dated its been 2 months i have to send all the paper work again, witch i am willing to do but I travel for work so its hard for me to send 2 years on taxes ( 90 pages ) bank statement s ( 50 pages ) paychecks all this via fax, and they still can't guaranty its not going to foreclosure and foreclosure on XXXX the XXXX, they wait 2 days before the foreclosure to tell me all my paper work was out dated, this is just crazy, they are not willing to do readjustment they wont let me do short sales i am trying to avoid foreclosure, please help.
Consumer complaint received 2022-09-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NJ)

My wife and I are the holders of an FFEL Joint Spousal Consolidation loan which was originated in 2006. When we signed the master promissory note for this loan, which, as far as we know, is still the contract for which this loan, it clearly states that if both parties are eligible for forgiveness, the loan will be forgiven. Both myself and my wife are public servants, our employment has been verified as such, and we reached our XXXX required payment for forgiveness under PSLF several years ago. We have been repeatedly denied PSLF with the rationale that joint spousal consolidation loans are no longer given, and can not be separated to be consolidated into a Direct Loan. As you can see in the attachments below, our master promissory addresses this fact, and states that these loans CAN be converted to Direct, and that if both parties are eligible, the loan can be forgiven. The only response we have received regarding this is that the " law '' does not allow joint spousal consolidation loans to be separated. We are NOT looking to separate our loans, we are looking for the forgiveness we are entitled to, both as public servants. Nowhere in our MPN does it state that we are ineligible. If I am being held to this MPN to continue paying these loans, then our loan holder and servicer should be held to the clause that states " if both parties are eligible, than the loan will be forgiven ''. I would like to see the specific law or language that prevents our loan from being evaluated for forgiveness.
Consumer complaint received 2017-01-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCC Business Services, Inc. (CA)

This debt was on behalf of an apartment rental company. Upon dispute, I agreed to pay a option of the amount owed, which is equivalent to what is now in collections. After filing my dispute, I was not contacted again.
Consumer complaint received 2018-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I have had a Capital One credit card with a credit limit of {$10000.00} for many years ( more than 5 ). I have never missed a payment. Yesterday ( XX/XX/2018 ) I received a letter from Capital One advising me it had closed my account because my " useage of the account was not in accordance with Capital One expectations of how the card would be used ''. I called to ask for an explanation. I was told I receive no such explanation and that I could not talk to a supervisor or anyone else who could or would explain why exactly my card was being cancelled. I suspect, but do not know, because I was not given the courtesy of an explanation, that Capital One disliked the fact I would make my payments in a timely fashion each month, and then charge up to the amount of each payment. I was never told I could not do this. And I am only guessing because Capital One is forcing me guess and speculate. At a minimum Capital One is guilty of Unfair and Deceptive Trade Practices and Predatory Commercial Conduct.
Consumer complaint received 2024-02-28
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE (NJ)

On XX/XX/2024 I sent out a secured message to the company about ways to reduce the interest rate on the account, because the rate is around 10 % higher than any other card I have. The card balance is around {$1800.00} currently, and limit as of XX/XX/2024 was {$11000.00}. 

The message included potentially transferring part of the balance to another card issuer and failing that look into closing the account, as fallback steps to get lowered interest rate. 

However, this message was incorrectly interpreted by the company and they closed the account without first contacting me by phone, mail or email to seek clarification or discuss the request specifically. 

I only discovered the account was closed in a cursory call to inquire about account activity and setup balance payment. There is no letter record whatsoever from the company to me about closing the account. 

During this cursory call, I asked them to immediately reopen the account and restore the same card settings including limits of around {$11000.00} since there was a pending request to XXXX 's management to review and lower the high interest rate. While the account was reopened, the limit they had dropped to a low level of around {$2000.00} during the premature closure, was not returned back. 

The terms I instructed them to follow in reopening the account after their ill-advised, premature closure was not met. 

I respectfully ask this company to restore the card limit back to the earlier level of {$11000.00} and to lower the interest rate per best available promotional rate. There is no justification for what happened and immediate action is needed to correct the idiocy related to the premature account closure.
Consumer complaint received 2024-02-28
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (CA)

I applied for the Marriott XXXX XXXX credit card which is issued by Chase in XXXX, XXXX. On XX/XX/XXXX I was issued a decline letter stating that I was declined for the following reasons : Not enough accounts opened long enough to establish a credit history ; Insufficient or no balance in Chase deposit and/or investment accounts. 

There is clearly a mistake because I am on 7 Chase business checking and savings accounts, 6 Chase personal checking and savings accounts, 2 Chase business credit card accounts, and 2 Chase investment accounts. Also, I currently have multiple credit card offers from Chase that are apparently " Pre-Approved. '' I have been a Chase customer for many years so for them to say that I don't have any investment accounts is completely not true.

They also said I don't have enough accounts opened long enough to establish a credit history. This also is not true. I am XXXX XXXX XXXX, and my credit score is well above XXXX and my first credit was given to me at the age of XXXX. I have a home with a mortgage that was purchased in XXXX, and I have financed numerous automobiles, including one that I purchased for {$80000.00} in XXXX. So again, for them to say I don't have enough credit established is completely false. 

I inquired about my credit report with XXXX, per the denial letter that Chase sent to me. I found out that a credit inquiry was not even performed. That's right, there is no inquiry from Chase bank or anyone else for that matter. As a matter of fact, the last inquiry was in XXXX of XXXX when I financed a new automobile. 

I am very disappointed in Chase because of the lies shown on the denial letter. The fact is they never checked my credit report. This is very alarming, and I can only wonder how many other people this has happened to.
Consumer complaint received 2024-02-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Altitude Community Law P.C. (CO)

I received a letter from Altitude Community Law P.C . stating they are a debt collector attempting to collect a debt for XXXX XXXX XXXX XXXX. The notice does not include anything to indicate why I owe the money just a line indicating the amount I owe in total, a line expressing that I have been charged a fee, and a line indicating what I owed on XX/XX/2024. There is not even a indication of what the fee amount is for. The letter then directs me on how to file a dispute but provide no information on what this debt is for or why I am being contacted. I have received no letter indicating that I am in jeopardy of debt collection from XXXX XXXX.
Consumer complaint received 2019-05-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Client Services, Inc. (CA)

Due to hardship I had a XXXX XXXX credit card debt go to collection. The account was referred to Client Services for collection. I contacted Client Services and spoke with XXXX XXXX. He agreed to accept {$770.00} to settle the account ( see attached letter ). I sent the {$770.00} as agreed and they sent a letter that says the account was settled in full but that I owe {$510.00}. Then XXXX XXXX reported the account to the credit bureau as past due in that amount with no reference that the account has been settled and I no longer owe them ( see attached ). This is fraudulent collection practice and I need a letter that states the account has been settled and I no longer owe them and my credit report updated to reflect the same.
Consumer complaint received 2016-12-09
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (CA)

My account with paypal was frozen and I have a balance due to me of {$470.00}. Paypal wont release it and I want my money ASAP!!!! It was already been 3 months this is unfair, that is my money.
Consumer complaint received 2024-02-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: FISERV INC. (FL)

I signed up with Clover through XXXX XXXX XXXX enabling me to take credit card transactions for my small business. The contract was for pay as you go merchant services. 

I moved and consequently closed the business account in XX/XX/year> no longer using the clover service or my devices. My XXXX for 2023 reflects this time-line as well. 

In XX/XX/year> unbeknownst to me First Data Reporting Services LLC started a new annual maintenance fee charge. I was informed yesterday they sent me an email and because I did not opt out of their reporting they attempted to charge my closed account in XX/XX/year>. This amount has now gone to collections and they want {$240.00} to settle the debt. 

I have several concerns around this process : XXXX When I contracted with clover for merchant services I had no idea there was an additional reporting company. My new merchant services provider XXXX XXXX Provides the hardware, the app, and reporting. 
XXXX This reporting fee is extremely high when factoring in my volume of sales which is why I chose a Pay as you go plan. My total sales were {$3100.00} at approximately XXXX XXXX % commission which is about a {$110.00}. Adding this {$99.00} fee increases my costs to approximately 6 %. 
XXXX How can a company just add-on a fee without any agreement from their customer? 

I spoke with XXXX XXXX in the collection's/retention department at length yesterday. The company made no attempt to settle this dispute with me.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc (TX)

I have been a victim of identity theft fraud the ending of last year about 2 months ago I had an acount added to my credit file by the company Affirm I called the company but they coul not find my account with my personal info I provided but the Affirm company still has it on my credit file and are trying to charge me monthly payments on it this is NOT my acount could you please help resolve this problem. 
My name is XXXX XXXX XXXX
Consumer complaint received 2015-03-25
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XXXX/XXXX/15 Capitol One Bank called me and said that someone opened a credit card in Florida on XXXX/XXXX/15. It was not me. The credit card was opened in Florida and I live in XXXX.
Consumer complaint received 2024-01-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (CT)

Once Mohela became my loan servicer in early to XXXX, I submitted all documents required to ensure that I was on top of my loan and that they had the current information required. This included of course updated contact information, but also verification from my employer ( US Dept of Housing and Urban Development ) to demonstrate that I am a federal/public sector employee and will qualify for the public service loan forgiveness program ( PSLF ). I never heard anything back from Mohela. 

I then submitted my first income-driven repayment application for the fiscal year XXXX on XX/XX/XXXX and heard NOTHING back. 

I submitted the same again on XX/XX/XXXX and heard nothing back. 

After 2-3 months in late XXXX of receiving bills with wildly inaccurate amounts, which reflected both that the loans had not been consolidated during the loan transfer to the servicer AND that IDR had not been applied, Mohela itself XXXX out my balance, froze interest accrual, and then said payments would be due in XX/XX/XXXX. AFTER I was notified of this, Mohela canceled the IDR document I submitted XX/XX/XXXX with no explanation. 

As of now, they have ( 1 ) DENIED the original IDR document submitted XX/XX/XXXX with no explanation or notification ; ( 2 ) resumed billing to the originally very accurate and very high amount, AND are charging interest AND claim that I am past due. 

I have tried to contact them via phone and email and can not get through on the phone or get a response. 

At this stage, since I can not get an accurate billing statement and this is potentially affecting my credit rating, I am considering legal action.
Consumer complaint received 2016-07-11
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: NorAm Capital Holdings, Inc. (CA)

NorAm Capital Holdings, Inc. 
collecting for XXXX. They called and threatened lawsuits when the bill is past the statute of limitations. The bill went delinquent in XX/XX/XXXX due to expenses from the death of my husband and they are reporting it as opening in XX/XX/XXXX. They have re-aged the account to try to keep it active.
Consumer complaint received 2016-06-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: MARINER FINANCE, LLC (IN)

Bill was due XXXX XXXX. Calls were made 3 times including a call to my office of employment. 
Because the statement gives multiple date payment options, I should not be called until the XXXX option timeframe has expired.
Consumer complaint received 2024-03-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (IL)

I woke up on Sunday XX/XX/year> at XXXX XXXX  and checked my chime account as we needed to withdraw money for our sons basketball game. I noticed that a total of {$510.00} was missing out of the account. Upon reviewing, there were XXXX charges that started at XXXX that morning. I called Chime, they said I has to wait for the charges to post before I could dispute. I went to the liquor store where over {$200.00} was spent, they provided me a picture of who made the purchase with my card. I asked around and found out that the guy was a security guard at XXXX XXXX in XXXX XXXX, IL. I even have his co-workers statement stating a customer found my card and gave it to the man in the picture from the liquor store. I filed a police report and provided it to Chime as well. I keep getting denied claims within XXXX hours of me submitting documentation. I asked every time to provide the denial reason, they said it would be emailed and some reps even said they couldn't see why it was denied. I only got emails from Chime saying they could not deliver my message. I have reopened this same dispute ( 5 ) times to no avail. I ask what do they need to get it approved, and they all have said " if you have new documentation please provide it ''. I have done the investigating for them and still can not get my dispute claim approved.
Consumer complaint received 2018-05-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Financial Business and Consumer Solutions. (CA)

Company FBCS , inc XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX PA XXXX Repetitious phone calls and letters to annoy and harass Constant harassment
Consumer complaint received 2020-05-05
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: JPMORGAN CHASE & CO. (FL)

I logged on the Chase to pay my credit card on XX/XX/XXXX and I saw my balance was huge. I called right away and told them that all the charges from Arkansas were not mine. The person on the phone did the dispute, cancelled my card, and ordered me a new card. I waited and logged into my account on XX/XX/XXXX and the charges reappeared so I called them again. The girl on the phone disputed the charges again. In the meantime, on XXXX. XXXX, I received a letter stating that I received benefit form the charges or I told them I made the charge, which I did not. I called again, the girl was rude and told me there was no way someone could use my card because it has a chip. They requested I send something showing them that I was at work on those days. I got my time sheets to send them. I emailed my time sheets to XXXX XXXX XXXX on XX/XX/XXXX after going back and forth with them for several months. I logged into my credit account some time in XXXX and saw that my address was inquired in XX/XX/XXXX to XXXX XXXX XXXX XXXX XXXX, AR XXXX, so I contacted the FTC and filed an identity theft report. They had me to send another letter. I sent them another letter with all statements highlighted and I sent it certified mail. The results of that was to contact your office because they still will not remove the charges from my account. I emailed them on XX/XX/XXXX to tell that I was not paying my payment because my account is so confused and the minimum due was way more than I should have paid. I got a phone call from a gentleman saying he was going to dispute the charges again for me. To date the items are still showing on my account.
Consumer complaint received 2019-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I am a victim of identity theft. The information listed in this package, which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. I was XXXX from XX/XX/XXXX until XX/XX/XXXX. During that peiod some one used my identity to purchase houses, open several bank accounts, apply for credit, file taxes and seek medical care.
Consumer complaint received 2018-05-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc. (TX)

I received a call from a sales person from XXXX to sell an extended warranty on my refrigerator. I specifically told the sales person to place the charge on my XXXX credit card and not to charge it to my XXXX XXXX XXXX, which I had never used. XXXX collections starting calling me at least 4 times a day to collect on debt that I didn't owe, I explained to them that I have never charged anything on my XXXX XXXX and that they should review their tapes. After that XXXX told me that the charge they were trying to collect on was a fraud. I explained to them that I purchased a warranty on the XXXX credit card and not the XXXX XXXX, but they and threaten to report me to the credit bureau. When I spoke to XXXX sales person, she stated the call may be recorded ; therefore, I feel the recording should have been reviewed to resolve this issue before it has escalated to this point. Eventually, they turned the debt over to the collection agency ( United Collection Bureau , Inc. ). Routinely I have {$75.00} per month automatically withdrawn from my account for the XXXX Credit card ; therefore, I was under the impression that the warranty was placed on that account and that I have been paying consistently. 

I am senior citizen and I feel very harassed and taken advantage of when I have been a loyal customer and paid my bills timely.
Consumer complaint received 2024-02-08
Product: Credit 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: Paypal Holdings, Inc (MD)

I purchased the XXXX XXXX console for my sons for XXXX. While playing games on the console, the XXXX XXXX XXXX for XXXX XXXX ( XXXX ) was erroneously purchased for {$95.00}. Given that I do not own a XXXX XXXX Console, and already own the XXXX XXXX XXXX game for my XXXX XXXX console, I immediately contacted XXXX to try to resolve this. 

It is XXXX policy that " You can cancel a digital content purchase within 14 days from the date of purchase and receive a refund, provided that you have not started downloading or streaming it. '' Till this day, I never downloaded the game. I made several attempts to contact XXXX but was rerouted from XXXX number ( XXXX ) which directed me to the online technical support/chat bot at playstation.com, which in turn directed me back to call XXXX. After this loop of automated phone responses to chat bot loop went on for days, I decided to contact XXXX XXXX XXXX to pursue my refund from XXXX from them. This was all within the 14 days, and XXXX has my account information to prove that I have never downloaded the game XXXX XXXX XXXX for XXXX ; however, they denied my claim. 

At this point, I have no other choice than to repot them to the CFPB for poor customer service and deception practice. Any company that I have ever conducted business with, I am able to communicate with a human being to initiate a return, and not automated phone responses and chat bots. This was not the case for XXXX.