davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (FL)

On XX/XX/2021, I sent in a request for validation to said company Hunter Warfield , Inc Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g 30 days is given to investigate or respond to said request for debt validation. I also sent another request for validation on XX/XX/2021. I have not received any correspondence back from company! It is now XX/XX/2021. It is a violation of collection practices act for a debt collector to refuse to send validation notice or fail to respond to my request letter.
Consumer complaint received 2021-10-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc. (WI)

on XX/XX/2021 at XXXX XXXX there was a charge for XXXX on my credit card that i did not make so i filed a complaint with my bank and they refunded me my money but crypto.com froze my account as i had some crypto with them at the time well they made me send photos of myself and change emails and banks everything was good until i wanted to sell some of my crypto on XX/XX/XXXX they would not let me sell, purchase, trade anything even after they got all accounts cleared up i think they are trying to embezzle my assets what do i do next
Consumer complaint received 2021-10-07
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. (MO)

This complaint is against the credit reporting bureaus XXXX and Equifax. I only have two open accounts which I have been progressively paying off all of my outstanding debt and have been receiving either no score change, too sharp of a decline in score, or too little of an increase in score. I have attached evidence obtained from XXXX XXXX to support my claim. In particular, there has been one recent instance with Equifax, whereby my open credit card account balance was duplicated on my report, such that it appeared that I had XXXX XXXX XXXX  accounts when I only have one open account, and when Equifax finally removed the account from my report, I received a decrease in credit score. Throughout this year dating back to XX/XX/2021, the credit bureaus have either chosen to not administer a change in score, administered a score of only +1 or +2 pts, or rushed to administer a decrease in score that does not match the change in activity that is supposed to be the basis for the score change. I am hereby asking the CFPB to step in and confirm that my credit reports are being legitimately composed and updated by the credit bureaus XXXX  and Equifax.
Consumer complaint received 2019-03-26
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Cordoza & Wexler Recovery Services (LA)

I received a voicemail from XXXX stating I needed to call back XXXX to avoid being served documents that were being filed against my social The caller gave their name, but the call was muffled so I could not make the individual 's name, They did not identify the company they were calling from. I called the XXXX phone number. A man picked up saying his name was XXXX. He did not identify the name of the company. I told him I received a message to call this number. he looked up the number I was calling from and said he was pulling my file from the attorney. After waiting on hold for a few minutes, the call was disconnected. I called back and woman named XXXX XXXX answered. I advised that I had been disconnected. She again looked up my phone number. After some time, she came back and said she was reviewing my file and saw where it stated that I had requested a debt verification letter to be sent. I told her that I did not even know what company she was associated with as no one had said who they were associated with in the calls. She then got very agitated and said " I can see why XXXX hung up on you then ''. She then disconnected the call. I called the number back again. XXXX again answered. I asked him what the name of the company was that I was contacting. He told me it was XXXX XXXX XXXX XXXX XXXX. I asked for the address. He gave me an address of XXXX XXXX XXXX XXXX, XXXX, NY. While XXXX was still on the phone, I XXXX the address he gave me and it came up as being a XXXX store. I told XXXX that the address he provided was for a XXXX store. He told me I was lying and that was their physical address. He then disconnected the call. I contacted the XXXX store at XXXX. I verified that their correct address was XXXX XXXX XXXX XXXX, XXXX, NY. I asked if there was a neighboring business by the name of XXXX XXXX XXXX XXXX XXXX. The associate stated that there was no business by that name that was physically located at that address.
Consumer complaint received 2021-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE (CA)

I dispute all charges after XX/XX/XXXX when I paid my balance off in full. Barclay 's has created a situation where I am unable to access, pay or review my account online or access a representative by calling. 
On XX/XX/XXXX2021 I paid off my entire balance ( {$2100.00} ) from the XX/XX/XXXX2021 bill that was due XX/XX/XXXX. 

In XXXX, Ireceivedan email saying my statement was ready and that my balance was {$23.00}. I expecteda {$0.00} balance, so I went to check the statement online and was locked out of my account. Since then, I have been trying to get through to customer service or into my account at least once a week. I have remained on hold for customer service for periods of time from 20 minutes up to 1.5 hours before needing to hang up so that I could return to work. 
Today, I started at XXXX, this time hoping to achieve a resolution by going through mastercard. The representative reached out to Barclays on her end, but said they wanted to speak to me live. She called me back with a live Barclay 's agent @ XXXX. The agent says I have a {$23.00} interest charge on the XXXX bill but is not explainingto me how I have interest on a {$0.00} balance. He continues to explain my current balance is now {$80.00} something dollars because of late fees since XXXX. I say that I dispute these charges and ask him to waive the fees. I am told that he can't waive any fees until security unlocks my account, I'm then put back into thequeue that no one has answered for the last 2 months. 
I'm left on hold for an hour, causing me to miss several work calls and finally having to hang up at XXXX without anyone ever getting on the line because I had a work meeting. 
The Barclay representative seemed well aware of how customers have not been able to get through and was even making jokes, wondering if anyone was working over there. 
I have not been provided with a statement of charges and their poor faith practices are putting my credit in jeopardy.
Consumer complaint received 2021-10-08
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. (GA)

In XX/XX/2020 an derogatory account was reported for the amount of {$2300.00}. I'm filing a claim under FCRA Section 611 ( A ) ( 1 ) ( a ). I am in desperate need of this account being removed.
Consumer complaint received 2021-10-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Paypal Holdings, Inc (TX)

I received a letter from XXXX XXXX XXXX XXXX stating that I owed PayPal {$300.00}. I have never had a PayPal account. I have never used PayPal or even tried to go to their website. Also, it is my understanding that PayPal is not in the business of extending credit, but rather a go between for making online purchases. Therefore, this letter in my opinion is an obvious scam. Either intended to get money directly, or to get me to call their number so they can then record my voice to further commit frauds against me. 

The letter says to send checks to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX The letter states that calls to or from may be monitored or recorded.
Consumer complaint received 2021-09-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL (MI)

There was transactions reported by me on XX/XX/2021. Paypal flagged my account as i dispute the charges. I kept telling pay pal that it seems to be illegal charges being made on my account. Paypal denied the charges and i reopened the dispute and told the financial institution. I disputed it right away. Paypal denied it right away again. Told me to take it up with the bank. I told them it never came out how is it I'm seeing it in my Paypal? They were very rude and threatened that if I didnt pay this account my credit would be ruined and the relationship with synchrony would be severed. Paypal let another transaction go through while there was open disputes. Then paypal let another transaction go through even though it was flagged it. The bank said it was fraud for the other 2 payments and said NO. I called and let paypal know it was not to go through because it was unauthorized. Paypal let it go through anyway DESPITE the DISPUTE that was in progress. Why? I asked them why would they let it go through if there was open transactions that were actively in dispute Paypal had the opportunity to STOP that payment. The errors were never fixed and Paypal continued to limit my account, which caused them to fraudently charge my account interest and late fees. They have damaged my credit. How can I efficiently make a payment if the site does not work. They limited my account due to identity, but wont remove the charges or interest fees. An unauthorized payment was paid by paypaland they need to do a charge back from the other party. He has their money. They have flags on my account NOW which should have been there from this scam they pulled and it would. The bank told them it was fraudulent. Why didn't paypal take the appropriate action to cancel the payment? Especially since I nor the bank authorized it. It should have been flagged as unauthorized unfunded or nonpayment. I now have a balance of {$2300.00} on my paypal account because the site is a scam and wont allow me to make a payment. I have to call by phone which they always state long hold times. I have asked them to validate this debt on multiple occasions. Paypal has shown abusive and deceptive debt collection practices, according to 15 USC 1692 this is a direct violation of my rights.
Consumer complaint received 2022-03-09
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: EQUIFAX, INC. (MO)

XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy. 

15 U.S.C section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-03-09
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. (VA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT XXXX XXXX XXXX
Consumer complaint received 2022-03-09
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Real Time Group, Inc. (CA)

On XX/XX/XXXX received a Notice of Default and Election to Sell Under Deed of Trust with a 90 day to make payment arrangement. However, I paid this loan off in full to " XXXX XXXX XXXX '' in XXXX. This is the first I have heard of owing anything or being delinquent on any payments in over 13 years. This creditor " XXXX XXXX XXXX '' or " XXXX XXXX XXXX '' are not on my credit report and are strong arming me and using leverage to be forced to pay XXXX debt twice. My parents and I have lived in this home since XXXX and never had a foreclosure, judgment, or lien of any kind on credit report or on this property. I feel this is an act of predatory collections on hard working families and elder abuse. This is inhumane and reckless business practices!
Consumer complaint received 2022-03-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (AL)

XX/XX/XXXX my laptop has hacked/compromised by people claiming to be XXXX and to assist me restoring my internet connection ( which had gone down ). They knew my internet was out and gained remote access to machine ( via XXXX ) with the claim that my network was currently insecure because of hacking and claimed to show me evidence of this. They gained access to my coinbase account. 
Several transactions occurred before I reported them as fraud to my bank ( after they texted and called with suspicious activity ) and stopped payment. Reported fraud to coinbase.

In addition to the impersonation/fraud/theft ( reported to FBI via iC3 ) I have large concerns as to how Coinbase handled this after payments were stopped for fraud. 
Of {$19000.00} stolen, {$5000.00} was blocked as incomplete transactions - but Coinbase demanded I complete the payments and sold my other crypto assets to cover " their loss ''. 

Rough sequence : 1. Unauthorized access to my account.

2. Fraudulent activity starts.

3. I try to block transactions, several already completed.

4. Bank cancels cards and blocks my bank account as bank contacted to report the obvious fraud.

5. I lock my coinbase account and report fraud.

6. Incomplete transactions exist.

7. Coinbase sends funds for those incomplete transactions, even though all my payment methods were blocked.

8. Coinbase sent the funds without my authorization or access to my funds.

9. Coinbase reimbursed itself for the Incomplete transactions by using assets- even though they were rejected as fraud.

10. Coinbase restricts my account and sends demands for payment.

11. Escalation of complaint attempted, but coinbase is no longer responsive. I understand that the initial completed transactions have " gone '' and there may be nothing that can be done to retrieve these from the criminals who hacked my machine and carried out the unauthorized transactions, but the actions of coinbase are disturbing for all the transactions that were stopped. They basically aided and abetted the fraud/criminal activity by forcing me to pay for the money they chose to send once I attempted to prevent further fraud and loss. From the reading I have done since I was a victim of this theft/fraud it seems coinbase has a reputation for not acting correctly in cases like this where their customer account is compromised and coinbase " sides '' with the criminal activity not it's customer.
Consumer complaint received 2021-11-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (NJ)

Dear CFPB, If you can further investigate and help me resolve my issue, it would be greatly appreciated. As you can see from the attached correspondence with Coinbase support, they only respond with a generic message rather than making an effort to help you with your specific situation. As you can see, Coinbase support stopped responding and they do not offer live support. 

Here is the situation that I'm in, 1. I opened a Coinbase account. 
2. I transferred {$30000.00} from my bank account to Coinbase account. 
3. I purchased {$30000.00} worth of bitcoins on XX/XX/2021. 
4. Upon discovering Coinbase XXXX, I transferred all my bitcoins from my Coinbase account to Coinbase XXXX account on XX/XX/2021. 
5. After completing the transfer, I decided that there was no need for Coinbase account as I planned to use Coinbase XXXX as my primary account. Therefore on XX/XX/2021, I deleted my Coinbase account not knowing Coinbase and Coinbase XXXX share the same account. 
6. I tried to log into Coinbase XXXX and learned that everything was deleted ( including all the bitcoins that I transferred from Coinbase to Coinbase XXXX ). 
7. The Coinbase website cites the following, " You'll need to have a XXXX balance before you can close your account. If you still have a remaining balance in any of your wallets, you'll need to send your funds to an external wallet or fellow Coinbase user. '' Although my account had bitcoins, it never prompted me to transfer my bitcoins to an external wallet. 
Based on the aforementioned statement, my account should NOT have been able to be deleted because it still held bitcoin balance. 

Thank you in advance for your help.
Consumer complaint received 2022-03-09
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. (MI)

I have been reaching out to Equifax, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Equifax and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX Date of inquiry XX/XX/2020
Consumer complaint received 2021-11-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (FL)

Refer to complaint ID XXXX Dated XXXX Received a letter from Loan Depot XXXX see attached Received a check for {$50.00}, stating a check back on a late fee, this will not suffice for total owed to me, refer to complaint ID above. NOTE : I did in fact pay the last month mortgage payment late ( XXXX suggested at closing the amount of payoff would reflect the last months payment, with late fee. Keep the cash on hand, " pay the late fee '', {$50.00} vs {$1300.00}, no brainer! Check copy attached I am not depositing the {$50.00} check. Check sent in error. 
Letter from Loan Depot XXXX still need more time to " research ''. How long do I need to wait? My XXXX keeps stating the Loan Depot owes ... ... ..I am owed {$6000.00}, difference of cost paid and closing vs. cost of payoff, see attached docs from ID XXXX. 
I ask you? How long of a wait should a paying consumer wait?
Consumer complaint received 2021-12-14
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. (CA)

This is XXXX XXXX, who is submitting this CFPB complaint myself. I'm not swayed that Equifax efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. Equifax is reporting inaccurate information on the accounts below. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

( XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX )
Consumer complaint received 2021-12-13
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: BARCLAYS BANK DELAWARE (GA)

On XX/XX/XXXX, I accepted the promotional offer on my Barclay Carnival MasterCard for an amount to be deposited into my bank account for purchases or balance transfers. There would be a processing fee of 81 dollars. My balance was zero as I hardly ever use this account. I requested {$2700.00} ( my credit limit is {$5200.00} ) which was deposited to my banking account on XX/XX/21. In the next several days I pulled up my Barclay Carnival MasterCard account on line and noticed my balance was XXXX. There had been two transactions made for {$2700.00} and two fees of {$81.00}. I immediately pulled up my banking account to see if they had deposited the money twice. They only deposited {$2700.00}. I called Barclay Carnival MasterCard and spoke to a representative and she said they would need to investigate the matter. She placed a request and told me those can take up to 48 hours. So I patiently waited 2 days and the charge was still there. I called for the second time and spoke with a representative who told me there was a glitch in their system and the money would be returned. I waited 7 days and nothing. I called for the third time and asked for a manager. She told me there was not one on site but I insisted. She put me on hold for a long time and the manager came on the phone and said she was handling it and it could take until the end of the billing cycle. So, one week later I began getting reports from my other credit cards and credit protection agency 's that I was over the limit on one of my cards. My credit score was being directly affected and I was due to close on a property in a week. I called 3 more times. One time they accidentally hung up on me and the last employee I talked to told me there no phone number to the department that was handling the glitch and that it could take up to 120 days to correct. He told me it would do me no good to call them everyday. This mistake is costing me $ 100/day and I need my card balance to be corrected. They should be able to reverse the charge on my card and correct their glitch without costing the consumer financial burden. I am suspicious of the vague comments I am receiving and the fact there is no one to talk to at Barclay Carnival MasterCard to assist me in answers. It has now been XXXX weeks since this glitch has happened and its now affecting my credit.
Consumer complaint received 2022-04-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: GOLDMAN SACHS BANK USA (VA)

Apple Locked my money on my apple pay and wont let me get it back.My XXXX Is XXXX. Its XXXX On there They Locked For Absolutely no Reason on the date of XX/XX/22