davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-31
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (GA)

Coinbase is locking selling options for people. Customer service is not responding to people. If customer service does respond, it is a spam email thats sent to everyone who has the same issue. It can take 30 days to get the spam email. People are being locked out of their accounts. We can not use our money.
Consumer complaint received 2023-02-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Exeter Finance, LLC. (MD)

A car was purchased with my name forged and social security used without my permission. My mom died and left the car debt with me, and I was not able to pay for a car I did not purchase. I explained to Exeter finance LLC that the car did not belong to me and that I did not purchase this car. The original balance on my credit report states XXXX. They repossessed the car and left a current balance of XXXX on my credit report. It is affecting my credit score and hindering me from getting approved for any other loans. This is a violation of the FCRA and is in violation of Exter finance LLC compliant reporting standards. According to the Fair credit reporting act I have the right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable, and accurate. I would like for this to be immediately removed off my credit report.
Consumer complaint received 2020-05-28
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MO)

I am XXXX years old and struggling to make payments. I've been paying on this loan for a nymber of years ( over $ 300/mo ) and despite all efforts can't seem to get relief. Despite all my payments, the loan amount has only decreased about {$600.00} in the last 8 or 9 years. I've tried to get into my account to get more specific information but with all the changes they've made I can't even seem to be able to log into my account now. I've spoken to them in the recent past and was not able to get any satisfaction. Please help me by letting me know what I should do.
Consumer complaint received 2019-08-01
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Home American Mortgage Corp (CA)

I applied for a home loan purchase with XXXX XXXX XXXX   and received a pre-qualification from their lender Home American Mortgage of XXXX. My initial home purchase choice was their XXXX XXXX priced at XXXX. On XX/XX/XXXX I received call from XXXX XXXX  (Home Loan Originator) who thought she was contacting XXXX XXXX (Sales Associate) stating "There is no way we will give her this loan for XXXX  I told her we will only give her the XXXX". When I told her she was speaking with XXXX  she then backpeddled and stated that she thought she was calling XXXX  and she would have XXXXXX/XX/XXXX contact me. I accepted their terms of offering me the XXXX XXXX as she stated that was what I qualified for. I provided all of my documents on XX/XX/XXXX and my credit was pulled on that date. My deposit was received on XXXX XXXX 2019. I have signed docs and as of XXXX XXXX, 2019 I received a call from both XXXX XXXXXXXX (Home American Mortgage) and XXXX XXXX (XXXX XXXX   XXXX) stating that are withdrawing the offer and denying loan. No new information was provided they same information they had at the beginning (XXXX XXXX, 2019) is the same information providedXX/XX/XXXX XXXX, 2019. They are holding my deposit of XXXX and XXXX   processing fee. As an XXXX XXXX, single woman I am being treated unfairly in comparison to others seeking housing. They have consistently asked my boyfriend to co-sign of which I have stated from the beginning that I do not have a co-signer or co borrower.
Consumer complaint received 2021-01-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My name is XXXX XXXX I am writing to delete the following information off my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask the items to be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed enclosed copies of the Commissions Identity Theft Affidavit. Please delete these items as soon as possible. These negative remarks are hindering me in attaining not only a mortgage but also a car loan.
Consumer complaint received 2023-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2023, I paid my balance down to zero ... on XX/XX/XXXX, BankAmerica added an additional {$73.00} interest charge.
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (CA)

In XX/XX/2022 I went on affirms platform and one of theyre merchants called XXXX was advertising a pair of mini XXXX XXXX XXXX said came no original box because they were from a outlet store and had red slash marks on inside boots tags for same reason well I had no idea that was a lie until I received the counterfeit XXXX  I took them to XXXX  outlet in person who confirmed they never sell theyre boots no original box or with red slashes on inside tags they also compared the boots I received to same exact ones they sell and showed me the ones I received have no serial numbers on inside tags and said all original XXXX  will have serial numbers on inside tags I tried returning these to merchant they said within fourteen days but I am perm XXXX I needed time to go to outlet store to confirm they were counterfeit I chatted with merchant explained I had confirmed them to be counterfeit and wanted loan cancelled and my payment made refunded and wanted to return them not at my shipping cost at theyre shipping cost since theyre fake they refused so I contacted affirm multiple times about this they refuse to cancel this loan also and let me return them they expect me to pay XXXX for fake boots tteyre are multiple other complaints on XXXX  from other customers who purchased boots from this merchant about them selling counterfeit XXXX  to my knowledge this is against the law I can not afford to pay fur counterfeit XXXX  if I knew they were knock offs I would certainly never made purchase and now affirm out theyre loan on my credit report telling me I still have to pay for them they and theyre merchant broke the law selling fake merchandise this is completely unfair to me as a innocent buyer
Consumer complaint received 2021-07-09
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CarMax, Inc. (CA)

I overpaid my car loan and now I am awaiting a phone call to explain how they neglected to apply additional payments to my principal and how they adjusted the final payment from XXXX to XXXX to keep a credit of {$110.00}. Keep in mind my account was set on auto pay I was never late but somehow they couldn't understand the payment schedule they created to receive a bonus amount at my expense.
Consumer complaint received 2023-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Called Capital One on or about XX/XX/2023 to advise that I may be late on my payment because I am getting a fix rate loan to pay off CapOne cc balance ( {$9800.00} ). The representative said thank you for calling and letting us know. Do you know when the payment may arrive? I stated the payment may arrive between now and XX/XX/2023. The payment ( {$9800.00} ) posted to my account on XX/XX/2023. On XX/XX/2023 I called Capital One to request the {$29.00} late fee be waived based on my length of time as a customer and payment history, which I have never been late. I spoke with three representatives ( two inbound call representatives and a Senior Account Supervisor, XXXX ). When I first called and spoke to rep, he stated he could not waive the fee because their system will not allow the waiver. I explained the reason for the late payment and my payment history. He said he could not waive it. I requested a supervisor. He transferred me to XXXX, an account supervisor. XXXX 's line had a lot of static and could not hear him. I disconnected then called back... spoke to representative, XXXX. I explained my reason for the call... she reiterated what the first representative stated. She then passed me on to XXXX, a Senior Account Representative. He stated he could not waive the {$29.00} fee because their system will not allow the waiver. He offered to set up my account on auto pay. I explained I don't want auto pay ... I would like the fee removed so I can pay off the balance ( {$210.00} including the {$29.00} ). XXXX said he could not remove the fee. I said ok and ended the call.
Consumer complaint received 2023-02-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Central Portfolio Control Inc. (TX)

On XX/XX/XXXX, I received a notification from XXXX stating that I had two medical collections reported from Central Portfolio Cont for a bill from a XXXX XXXX XXXX. I have never been to XXXX XXXX XXXX. Last year my identity was stolen and I filed a police report. However, I never received any information regarding this debt. Eight years ago, I went to a XXXX XXXX XXXX XXXX  that is out of business due to fraud but my insurance company paid this bill. I have emailed Central Portfolio on XX/XX/XXXX asking for this debt to be validated but no answer. I will be sending a certified letter today, XX/XX/XXXX requesting for validation. I believe this violates the FCTA and HIPPA. THe agency is located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and has had hundreds of complaints with the XXXX. Also, I disputed this immediately with XXXX on XX/XX/XXXX and today, XX/XX/XXXX I received results that stated it was verified. How can a CRA verify information within 3 days. I believe consumers need for these agencies to be held responsible for erroneous information being allowed on our credit reports. Thank you for your time.
Consumer complaint received 2020-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

On XX/XX/2020 I spoke with a manager concerning my account and per our conservation there ae some inaccuracies with what they have reported and what is being shown. Please see the attached inaccuracies as opposed to what Equifax and XXXX  are reporting.
Consumer complaint received 2020-05-28
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC. (AL)

EXETER FINANCE XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account # XXXX Date Opened XX/XX/2019 Charge Off Amount {$8600.00} My account with Exeter is showing as being charged off with a balance. 
The vehicle was voluntarily surrendered back to the dealership after it was found that the vehicle was in need of a transmission. I spoke with the sales person explaining my findings about the vehicle, I was instructed to surrender the vehicle and at that time the loan will be closed. I have tried disputing the account several times but haven't received any response from EXETER FINANCE.
Consumer complaint received 2020-05-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (TN)

I sold goods on XXXX to a gentleman who paid {$1800.00} by using PayPal. I was told the funds would be held until XX/XX/XXXX to confirm that the buyer had received his items. I paid {$350.00} to ship his items out of my pocket to speed up the process of releasing the funds like I was told. I learned on XX/XX/XXXX, that because this transaction was outside of my normal scope of business I would need to remove the limitations on my account, which is not able to be done by using the XXXX app like stated. Once, I was able to get in front of a laptop because I was traveling, I logged in and provided the information and was told it would pushed to back office to assist in fixing the issue and I should be able to transfer my funds in 3 days. I waited the 3 days and was still unable to transfer the funds to my bank account. I reached back out to PayPal and was told my account was still restricted because there was a discrepancy in the last name on my profile and the last name on my Driver License. I was told to submit my marriage license and they would fix the issue. I submitted the marriage license today XX/XX/28 and have now been told it will be another 3-5 days before they can fix the issue. Another 3-5 days will put me at 30 days I have been waiting for PayPal to release my money. I do not understand why this wasn't an issue with PayPal when I processed a similar transaction on XX/XX/XXXX for {$1500.00}. Not to mention PayPal didn't delay in taking their fee from those funds immediately upon receiving them.
Consumer complaint received 2021-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: PNC Bank N.A. (CO)

The issues began around XX/XX/2021 on the credit card issued by BBVA, Visa # XXXX. The bank allowed a fishing fraud for XXXX cents and then the fraudster started sending in charges for XXXX. On the morning of XX/XX/2021 we began trying to make contact with the bank and finally were put in contact with a supervisor, XXXX. XXXX finally understood the fraud, acknowledged it and promised to take care of everything and stated we would have no further problems with the fraud issues. I requested a call back confirming all issues were taken care of. The next day, XXXX left a call on the recorder that all issues were resolved. 
In fact, this was a lie we relied upon to our detriment. We immediately contacted PNC ( who was taking over BBVA ) and contacted them again when they failed to correct the problem. See Exs. A and B. See also Ex. C, which affirms that fraud was committed and promises we were not responsible. Of the {$11000.00} in fraudulent charges to date, at least {$5200.00} remain unresolved. 
Despite the various promises made, PNC has billed us for the charges. See Ex.D. However, the worst thing PNC did was to report the disputed charges to credit agencies, in violation of CFPB rules. See attached Ex. E, which shows that the PNC report cratered the Credit Score by 73 points. 
One last attempt was made to resolve this situation. On XX/XX/2021, I contacted PNC and spoke to XXXX at ext. XXXX, who transferred me to XXXX, who refused to give any other identifying information. After asking to speak to a supervisor, I was put on hold for 47 minutes until the call was dropped. This complaint ensued.
Consumer complaint received 2023-02-24
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (VA)

I am requesting an update on previous CFPB complaint XXXX. In the company 's response, it was indicated I could call and speak with someone at a number that turned out to be only mailbox access. I emailed the address provided this morning requesting an actual number where a person that can help me can be reached. It is well beyond the 5-7 business days stated in the response to my complaint that it would take to refigure the escrow amount. Ample time has been provided since XXXX when my mortgage was unfortunately assigned to Mr. Cooper, for the company to accurately figure the amount that is rightfully due. We have been stolen from since that time with our inflated mortgage cost due to their escrow departments inability to accurately provide information. Another payment is of course due soon and I would like to pay the amount that is actually owed and not continue to loan a large company money they are not due. Ideally, I would like our mortgage reassigned due to the dishonesty and unfortunate business practices of Mr. Cooper.
Consumer complaint received 2020-05-28
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: EQUIFAX, INC. (MS)

I have sent several letters to XXXX, XXXX  and Equifax to resolve this matter. They continue to report inaccurate address, and misreporting information on my credit report. The accounts continue to report inaccuracies and they are not responding to my disputes
Consumer complaint received 2023-02-24
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Adjustment Company Incorporated (KS)

I received an alert from XXXX XXXX that a Collections account was reported on my credit file XX/XX/XXXX and looking up the info from XXXX XXXX was Consumer Adjustment Company , Inc. I never received any notifications from any company or mailings of validation of debt to dispute. I have Informed Delivery from XXXX that informs if mailings is being delivered and the Company Consumer Adjustment Company violated the FDCPA ( 15 U.S. Code 1692k ). 

When a Debt Collector Can Report Information About a Debt to Credit Reporting Agencies Effective XX/XX/XXXX, an amendment to Regulation F, which implements the FDCPA, says that a debt collector can't report a debt to the three major credit reporting agencies, XXXX, XXXX, and XXXX, before first contacting the consumer. Specifically, before reporting a debt to a credit reporting agency, the debt collector must : speak to the consumer in person or by phone or mail a letter or send an electronic message, like an email, about the debt to the consumer and then wait a " reasonable period of time '' ( at least 14 consecutive days ) to see if a notice of undeliverable comes back. 

No attempts was made prior to reporting on the Credit file. Consumer Adjustment Company , Inc said that I owe XXXX XXXX XX/XX/XXXX. I contacted XXXX XXXX no as I have not received such info from the Business. I have done Business with XXXX XXXX in the past and the disputed with XXXX XXXX and no Validation of Debt was sent to me. Although they mention I had loans after XX/XX/XXXX. As 1 loan can be taken out at a time after it is paid off with the Company. 

I disputed with the Credit Bureaus and the XXXX major Companies, XXXX, XXXX, and XXXX refuse to delete as Consumer Adjustment Company said the info was correct. 

I emailed Consumer Adjustment Company , Inc on XX/XX/XXXX that I disputed the account. 
On XX/XX/XXXX a response was 2 forms that was sent and that the info can not be deleted from file. I informed that a data breach is in the system because this is not accurate. Consumer Adjustment Company , Inc fails to comply with the rules of the FDCPA and Consumer Financial Protection Act. My info is used into the 3 major credit bureaus and not handled properly.
Consumer complaint received 2018-10-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

1 ) Dual Tracking : In XX/XX/XXXX, Wellsfargo was processing our loan modification without removing our property foreclosure. Agent were telling  us documents to fax in which we did but foreclosure sale date was not moved or stopped. As foreclosure sale date was set, I was quoted {$120000.00} to reinstate the loan, take care of escrow balance ; attorney fees and all other delinquency fees. Provided Wells Fargo proof of funds from the bank to extend sale date or remove sale date but Wells Fargo proceeded to sell my property on XX/XX/XXXX, after speaking to my bank manager who confirmed availabity of funds. 

2 ) We trained an attorney who sued Wells Fargo but Wells Fargo reached an agreement that if we should agree to dismiss the lawsuit without prejudice, Wells Fargo will reinstate the loan as it was and credit all payments, past due escrow balance, taxes and insurance to bring account current with no extra charges. A payment of {$130000.00} as settlement amount. 

3 ) On XX/XX/XXXX, Wells Fargo signed the settlement agreement upon the receipt of {$130000.00} in lieu of rescind the sale, reinstate the loan to current status, take care of escrow account and resume account activities. 

4 ) Wells fargo did not keep up their side of the deal because the payment of {$130000.00} was not properly credited to the account to take care past due escrow, payments, taxes, and insurance as was listed in the the detailed statement that was sent to us in XX/XX/XXXX regarding why {$130000.00}. 

5 ) Wells Fargo did not reinstate the loan as it was where Wells Fargo pays our taxes and insurance as we had requested and how it was prior to settlement of lawsuit but instead Wells Fargo added forced escrow to our loan and did not provide detailed account of how and our payment of {$130000.00} was disbursed. This caused them to do wrongful escrow analysis on our loan thereby tripling our mortgage payments and making it unable for us to make our payments. 

6 ) Wells Fargo also falsified interest only modification which we never requested and stated that our loan was an interest only loan when statements that was provided by Wells Fargo attorneys during lawsuit settlement in XX/XX/XXXX clearly showed our property as ARM and not interest only. 

7 ) Our original loan was taking out in the year XX/XX/XXXX in the amount of {$240000.00}. As of today, Wells Fargo has turned our lives to a nightmare with the falsified interest only modification which puts our payoff amount to {$350000.00}, our monthly payment form {$1200.00} to {$5600.00}. We have asked wellsfargo to let us know what our monthly payment was before the modification and how many payments were we past due to have requested interest only loan from an arm and how much difference was our payments before interest only and after interest only loan because we never signed for interest only modification, it is falsified. We have lived in our home for 18 years, have XXXX children here. It is not an investment property to be interest only.
Consumer complaint received 2020-05-28
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (FL)

I made a purchase at Victoria 's Secret store in the XXXX XXXX in XXXX FL, on XX/XX/XXXX. They opened a Victoria 's Secret credit card for me to pay for the purchase. I returned all the items after a few days because it did not fit. The store gave the receipt back, but I did not keep it. 
I never received the credit card or the bills until XX/XX/XXXX. I thought they would not charge me anyway, because I retuned the items. They are charging me {$510.00} for the items, whose original value was {$89.00} and I returned them. 
I have talked to customer service many times and I have visited the store, when it was open before the Covid-19 pandemic, but they did not help me. They keep charging more and more with every passing month. I think this is fraud. I am XXXX years old and I am XXXX. I think they are taking advantage of me and I have no one else to help me.