davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NC)

I opened an Bitcoin account with Coinbase a couple years ago and never tried to access the account until a month ago. After entering the correct user name and password, and security code, I was told my machine was not the one I opened my account on. So I drove 3 hours to retrieve an old computer that I opened the account on. They still would not let me access my account, saying they needed me to respond to an email after putting in all the right credentials and security code. The email never arrived. I contacted Coinbase support, which must be a robot and not human. I was told my system blocked their emails -- even though they got 5 or 6 emails through to the same email address during this fiasco. They then said I needed to set up a new account and they would transfer the bitcoin to that account. I asked them to call me. No response. I asked them to simply convert the Bitcoin to cash and put my money back into the bank account it came from. No response. After divulging a massive amount of personal information, I received notice my new account had been set up ( see attached ). But when I tried to access it I was told the XXXX ( same one I set the account up on ) was not recognized and asked to verify I lived in some city I have never heard of ( XXXX  ). I no longer trust this company and have received a warning their messages may be dangerous ( see attached. ). They have thousands of dollars of mine and no longer even reply to my messages to the help center.
Consumer complaint received 2021-07-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (PA)

I live in a XXXX family home, since Ive been here Ive had problems with people stealing out of my mailbox, cards disappearing and more and in that time I had to get a police report. After that, I did apply for the usps ( inform me ) in which notifies me of mail. When that account with XXXX was open I had XXXX XXXX cable company and not XXXX. When I applied for XXXX After having XXXX XXXX. I was told that I already had an account with them. Which is false. Ive tried disputing it but recently they sold my information to another creditor which came back onto my credit report, that eventually affected my score making it drop once again when I was in the middle of trying to get a home loan for me and my family.
Consumer complaint received 2022-06-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (MN)

Hello, I am currently in the process of closing on a home and I am working with Mr. Cooper to obtain my mortgage. I am also on maternity leave with full salary replacement ( 100 % paid salary ) during my leave. 

Earlier this week I received an email from my loan processor stating that my loan was escalated and that the underwriter was requesting that I be back at work before my loan closes. The loan processor said she was challenging this and reaching out to management on the issue. I also provided documentation that I received 100 % of my salary while on leave. 

I checked in multiple times this week to see the status and learn more. I was not given any transparency or visibility into the process. Finally, last night I emailed my loan processor and said that I believed what they were doing was wrong and illegal and blatant discrimination against me. This morning, on XX/XX/XXXX, my loan processor emailed me to say everything was fine and we were moving forward. They just needed documentation from my employer on the exact date when I would return to work. She did not respond at all to my email to her about their discriminatory practices. 

I had also requested to speak to a supervisor on this issue and no supervisor information at Mr. Cooper was provided, nor did my loan processor specifically address my email to her when I called them out for discriminatory practices. 

I am still worried about my close and unsure if they will delay my closing. I'm worried I will not be treated fairly during the closing process because I am on maternity leave. I am concerned and upset that Mr. Cooper would even try to hold up the loan process and discriminate against me based on XXXX ( maternity leave ). I am more than qualified financially to afford this mortgage and have been extremely honest and diligent in supplying them with all possible documentation throughout the process- even providing additional documentation that they didn't request to support my situation.
Consumer complaint received 2021-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

Firstly, I a request via the payment coupon along with the payment, that the bank close my account. ( The account had a XXXX balance ). 

I then received my next statement completely ignoring the informal request. Subsequently, I sent a certified letter to the corporate office of Bank of America, requesting that they close the credit card account.

This request appears to have also been ignored, as AGAIN, I received yet another statement showing that the account was still open with a credit balance.
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

As a responsible individual, I understand the importance of maintaining a good credit score to secure financial stability and future opportunities. However, life can sometimes throw unexpected challenges that take a toll on one 's financial situation, resulting in missed payments and increased debts. Due to unforeseen circumstances, I have recently gone through a hard time that has impacted my credit score negatively. I fully recognize the gravity of this situation and am actively seeking ways to rectify it. I understand the significance of having a clean credit report and the effect it has on my overall financial health. Therefore, I am making every effort to clear my debts and make timely payments to improve my credit score. I am writing to you regarding the matter of the debt assigned to me by XXXX XXXX XXXX on XX/XX/XXXX, originally amounting to {$890.00}, also assigned XXXX XXXX, XXXX originally amounting {$590.00}. I am also writing reguarding XXXX XXXX XXXX XXXX assigned XX/XX/XXXX original amount owed {$840.00}, also date assigned XXXX, XXXX XXXX original amount owed {$260.00}. While I understand the need for medical providers to collect and maintain patient information for purposes of treatment and billing, I want to bring to your attention a growing concern that has become prevalent in recent times. This pertains to the unauthorized sale of personal data by companies without the knowledge or consent of the individuals concerned. As a consumer, and a patient of XXXX XXXX XXXX, I have the right to expect that my personal information is protected at all times and not misused for profit-making purposes. In fact, the Health Insurance Portability and Accountability Act ( HIPAA ) of 1996 was enacted specifically to safeguard the privacy of personal health information. I am disappointed to learn that my data may have been sold without my consent, and if that is the case, I urge XXXX XXXX XXXXXXXX to review its policies and practices to ensure that they are fully compliant with HIPAA regulations. The unauthorized sale of personal data is not only unethical but also illegal, and I strongly believe that no company should profit from the exploitation of sensitive information that belongs to its customers. I am committed to resolving this issue in a fair and amicable manner and would appreciate your cooperation in ensuring that my rights, as well as those of other patients, are respected and upheld. Thank you for your attention to this matter, and I look forward to hearing back from you soon.
Consumer complaint received 2022-07-23
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: TRANSWORLD SYSTEMS INC (DE)

Transworld Systems ( original creditor XXXX XXXX XXXX XXXX ) are reporting to XXXX and XXXX that I still owe a debt of {$120.00}. I've tried disputing this with yhe credit bureaus but keep getting an outcome that the creditor states I owe {$120.00}. I've paid in full back in XX/XX/2022 the full amount of not only the {$120.00} directly to Transworld Systems but for another medical debt with Transworld Systems as well. I've requested receipts of payment from creditor... still have not received. I've called Transworlds Systems who verifies there is no balance but they continue to report inaccurately to the credit bureaus. I've ask that they update with them and they refuse. I've filed disputes and at this point the credit Bureaus state they can't help.
Consumer complaint received 2021-09-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (TX)

When I applied for the loan, on XX/XX/XXXX, I was told that it would take 30 days to approve and close on the loan. Then I was given a close date of XX/XX/XXXX, about 75 days. I let Wells Fargo know that that should have been made more clear before we began the process and I would do everything possible to get them the info they needed to expedite my loan. 

They would get my information, take a minimum of two weeks to review the information, sometimes a bit more, then tell me that they needed more information. I discussed these issues with a supervisor about three times. 

They never said yes, never said no. They just kept asking for more and more information. Then, about the time that the loan was supposed to close and they asked for more information, I told them that this was not working. I asked that a complaint be made on my behalf. And, I requested a refund for the appraisal cost. They refused the refund. 

Then I began to work with another lender. I asked if the appraisal that I had could be used in order to avoid paying for it twice. They gave me the requirements and I sent them to Wells Fargo. It was denied. 

Then I got a letter from Wells about my complaint and they gave me a contact. I discussed my request for the information to transfer the appraisal to my new lender, XXXX XXXX XXXX  XXXX, and she tried to get it done for me. I sent her the list of what was needed as I had sent before. 

She was supposed to have our complaint closed out by XX/XX/XXXX. They did not meet that deadline. However, I was told that they would meet our request. And, then they sent everything EXCEPT for one document. We asked them to send it. They refused. 

So, now, I spent additional time, had to pay to hold the rate lock on my refinance and still pay for another appraisal, all because Wells Fargo was not competent enough to handle a loan application in a timely and professional enough manner.
Consumer complaint received 2022-06-27
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: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX XXXX spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (IL)

I needed to unfreeze my credit reports so the Bank XXXX  XXXX XXXX in XXXX could process a land loan application for me to buy property there. I was able to unfreeze the XXXX and XXXX reports. The Experian unfreeze process is completely automated and their website would not accept my logon credentials. When I tried to reset them the application notified me it was sending an email to an address that was not mine. There was also no way to interact with a person at Experian by phone or by email ; the only access to them was via a letter to be sent to a XXXX XXXX in XXXX 

I XXXX a letter to Experian explaining the problem and providing contact information so they could respond to my request. XXXX confirmed delivery but there has been no response to date and I have had to discontinue the loan process since the bank was not able to access all of my credit reports. A screenshot of the automated response sent to someone else 's email address is attached. A dated copy of my letter to Experian is also attached.
Consumer complaint received 2021-07-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (CT)

As explained in numerous prior CFPB complaints, a remediation payment in the amount of {$3700.00} plus estimated taxes was not received, this amount was offered to me by Wells Fargo rep, XXXX XXXX in XXXX of XXXX while speaking over the phone. The payment represents compensation for damages caused by unauthorized accounts opened by Wells Fargo reps which I did not need or want. Additionally, a remediation payment amount of {$500.00} plus estimated IRS taxes was not received, offered to me during a phone mediation in XXXX or XXXX of XXXX. I moved in XXXX of XXXX, as explained previously and again here, any payment sent via XXXX, XXXX, would not be received if sent by either carrier, which includes old address of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX. Payment in the amount of {$5100.00} which appears to be {$3700.00} plus IRS taxes was supposedly reissued, also sent to old address, not received. This payment was reported to IRS, form 1099 received at current address showing this amount reported to IRS by Wells Fargo, Tax Year : 2020. Wells Fargo reps including a Jae have replied in the past by verifying address, mention a signature waiver which there is none, package containing check ( s ) was supposed to have signature required according to XXXX XXXX whom I was working with at the time of check issue. Please note, the check amount of {$3700.00} is a again, a re-issue, initial payment sent in XXXX of XXXX, was intercepted by a third party, cashed in my name. It appears person ( s ) now living at old address may have intercepted checks in question, if sent to old address, cashed them in my name. I now reside at XXXX XXXX XXXX, XXXX XXXX, CT XXXX. Most recently, I've been calling Wells Fargo executive phone bank, given various different numbers to remediation department, all of them incorrect, wrong numbers. It appears Wells Fargo reps are trained to give out false, incorrect numbers to dissuade customers from reaching correct dept. In order to obtain correct number, I had to call the company whom issues checks on behalf of Wells Fargo, Epiq, requested number to remediation department and have been calling over a week now with no resolution. I've spoken with several managers including a XXXX and XXXX, both requested check reissue and a new case manager assigned which was originally requested in XXXX. I have yet to hear back in regard to both requests. The last Wells Fargo rep replying to CFPB, a XXXX, referred back to previous replies which merely refer to address provided and do not address issue of non-receipt of payments. It appears Wells Fargo reps refuse to do anything, despite non-receipt, merely verify address they were provided..The CFPB might want to send this complaint to someone else other than XXXX or XXXX , neither rep seems willing to address/resolve issue. Most recently, a XXXX replied by referring back to previous replies, do not address issue of non-receipt of payment
Consumer complaint received 2021-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (NY)

This a recurring problem that needs to be fixed ASAP. All 3 credit bureaus dropped my credit score significantly due to a software problem in your algorithms.

What I mean is that I had 3 high balances reported One from XXXX XXXX for XXXX, XXXX XXXX for XXXX and checking plus for XXXX All 3 of these balances were zeroed out before the statement dates before the end of XXXX, 2021. 
My credit scores should be well over XXXX across the board.
Consumer complaint received 2021-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

CAPITAL ONE- XXXX XXXX XXXX Account # : XXXX XXXX XXXX Under the FDCPA ACT, and my rights FCRA Ive involved these accounts in civil litigation against these credit Bureaus for unauthorized and Fraudulent actions concerning these accounts on my credit report.The credit Bureaus are constantly in violation of my consumer right of not sending documentation of non verified debt for non permissible purpose under section XXXX & XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX Automotive XX/XX/XXXX TransUnion XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX - XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX Bank XX/XX/XXXX TransUnion XXXX XXXX  XXXX Bank Credit Cards XX/XX/XXXX XXXX  XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-30
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: HW Holding, Inc (MI)

In XXXX, my mother moved into a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Since I was not working with and living with my mother I was not working and a full time student under my mother care. The lease was signed and due to run XX/XX/XXXX XX/XX/XXXX. If wanted to receive a {$50.00} discount on the rental. In XXXX of XXXX, the apartment complex came to my mother and told us that they recalculated the numbers and we can move out and not have the additional months added. They had a tenant who wanted the unit. We SPECIFICALLY told them that we were under the impression that we had to move by XXXX. The apartment manager stated that it was incorrect and we can move now NO Penalty. 
Then after a couple months the new company decided that they didn't like the agreement and filed charges against me and my mother. XXXX XXXX. 
XXXX XXXX XXXX  owner XXXX c/o XXXX & XXXX filed a rental eviction on us to Appear in court on XX/XX/XXXX. Case # XXXX for the amount of {$1600.00} My mother called and they stated that it was a mistake and they cancelled their case with 36th district court. A couple months later it was added to my credit report. 
I called and they told they me that it was an error and that why the removed the case. I reached out to the company and since its now new management they wont speak to me. i filed a complaint with the credit bureaus. And I also sent Hunter & Warfield letters to rectify the error that is cause a huge problem with my credit file. Hunter and Warfield refused to respond to me. Instead they came up with this outrageous amount and trying to make me pay something in which they know I do not owe. They know that they removed the error from my mother account and just using me as a way to try to get an unlawful payment. 
The Credit bureau keep sending back verified. I send another asking the how did they verify it .. The sent another letter asking how did you verify and who and when did you speak with someone. XXXX  and XXXX did the same this and refused to kook into my claim.. 

They are trying to put debt on me that I do not owe. You can look at my payment history and see that i pay my bills. 
And further more I was not even living in that home, i resided in XXXX for months before. 

Im sending a complaint to CFPB due to the companies inability to correct this painful hit to my credit file.
Consumer complaint received 2021-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX and the Bureaus are reporting an erroneous late on my credit file. Not only was I having issues making this payment online, I was not getting the help I needed to make this payment processed. It finally processed, but I was not late. I contacted XXXX, once I noticed this late on my credit file and they assured me that I was not late and they were NOT reporting a late on my credit file. But it is still showing. I have been with XXXX for a few years now and they have always been awesome. I know they will do the right thing. This is affecting my financing and it isn't fair to report erroneous information on someone's file.