davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

I reside in XXXX, but can supply a U.S. mailing address for correspondence if required. 
On XXXX XXXX, I sent 2 international transfers from a XXXX bank account to Coinbase ( A U.S. Registered company ), using the required reference given by this company of XXXX. 
2 Remittances were sent that day for : XXXX GBP ( Equivalent of {$2000.00} USD ) XXXX GBP ( Equivalent of {$60.00} USD ). 

On XXXX XXXX, I received an e-mail from Coinbase to say they 'd had some delay processing funds received from their customers but that my XXXXGBP ( {$2000.00} ) received was now credited to my account with Coinbase, for purchasing of Crypto Currencies. 
There was no mention of the XXXXGBP ( {$60.00} ). Coinbase has never even confirmed receipt, although I can obtain a bank trace, if required. 

The funds of XXXX were not in the account as their e-mail stated and have not materialised since. 

I have tried calling their helpline, but am unable tto get through. After 30+ minutes of waiting, the line simply hangs up. I have sent several tickets to their online support system and have not had any meaningful response in almost a month and at this stage have given up expecting one. 

Since searching online, I understand I am not the only person who has suffered losses like this, there are many others who despite efforts, have been unable to reach Coinbase or receive monies that were in effect stolen after sending in good faith to Coinbase.

As the funds I sent via bank transfer using the reference they requested I use have both not materialised over 1 month after sending, I must report I have had these funds stolen and am now seeking legal help recovering in full - what is mine and not Coinbase 's.

I would appreciate the assistance of the Consumer Financial Protection Bureau in recovering the money I have had taken by Coinbase, without my permission, which is tantamount to theft.

Please reach me via e-mail - this is the best way to contact me when needed.
Consumer complaint received 2016-07-08
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Exeter Finance, LLC. (TX)

Fraudulent account. Part of attached identity theft official report. Account removed from XXXX but put back on. Amount owed regularly changes from XXXX to XXXX, from open to closed and the account number continues to change. They 've done this on all XXXX reports. This was a fraudulent account and per the FACT aclt, itl clantl be put back on my credit reports once it is removed. Furthermore, they continue to report information while investigations are in progress.
Consumer complaint received 2018-10-12
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. (NJ)

On XX/XX/2017, we charged a tuition payment of {$4600.00} on our CHASE credit card to " XXXX '' vendor. Our credit card was compromised and the payment was retracted by CHASE. Somehow, XXXX was involved ( by XXXX ). Over the past 18 months we have had numerous communications with XXXX, XXXX and CHASE none of whom admit to having the funds. We certainly do not have the money. I have not utilized the XXXX program and want to receive our money back. Please help. Thanks.
Consumer complaint received 2018-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: ID Analytics, Inc. (IN)

I applied for a car loan through XXXX bank. I was denied because my XXXX XXXX credit score was too low, however my score with the 3 MAJOR credit bureaus is 250 points higher than that reported by XXXX. In order to get a copy of my credit report from XXXX, they want me to send in copies of very personal documents which I am not comfortable sending to them. I believe it is just another way for them to gather my personal information in a highly illegal manner. I want all of my personal information held at XXXX to be immediately and permanently deleted.
Consumer complaint received 2018-04-01
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: UNITED BANKSHARES, INC. (MD)

The XXXX XXXX, a franchise of the Bankshares , Inc., is my mortgage servicer from XX/XX/XXXX.  After 12 years of impeccable service, in XX/XX/XXXX, the Bank transferred my account to the newly formed XXXX XXXX XXXX in XXXX XXXX, MD, and the problems occurred with the new office manager who was not fit for this position. When he was caught in wrongly advising the customer about options for the loan modification, he did not admit the error but started to manipulate customer 's mortgage account in order to produce a virtual delinquency and to punish him for his grievance protecting his rights. As a manager of the XXXX XXXX XXXX he had the opportunity, wish and the bank " power '' to start the foreclosure proceedings which failed in XX/XX/XXXX. Because of this failure, later in XX/XX/XXXX, he hired a law firm which had experience in debt collections, appointed them as " substitute trustees '' to avoid the responsibility under FDCPA, provided them with his fabricated affidavits, and finally succeeded to manipulate the Court to allow him to sale the extorted prpperty for {$50000.00} above the the purchasing cost which equalled the mortgage debt. Nice profit from wrongdoing. Is it allowable? 
I admire the United Bankshares , Inc, Code for Conduct and Ethics, and I wish that they will insist their franchise, the XXXX XXXX in MD/VA to comply with this code. If this happens, the most of the problems in this complaint will be solved automatically.
Consumer complaint received 2018-04-01
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: EQUIFAX, INC. (NC)

On Saturday, XX/XX/2018 I tried to sign up for XXXX credit monitoring services and was denied because they are not able to access my Equifax file. This is the second attempt to sign up for the XXXX services to no avail because of Equifax blocking my report. I contacted XXXX 's customer service at XXXX at XXXX XXXX to see what were the next steps and they directed me to contact Equifax customer service at XXXX at XXXX pm. I spoke with a representative and informed her that I was denied subscription with XXXX because they were blocked from accessing my report. I requested that she assist me with granting access to XXXX. The female representative states that because I am not a paying customer with Equifax, paying for one of their products that she is unable to assist me. I told her that I was informed to contact that department, but she is unable to help me? She said that she is unable to look into my request because I don't have a paying subscription with Equifax. I disconnected the call and hung up to speak with another representative. A male foreign representative answered and I requested to speak to a manager. Instead of him transferring me, he repeatedly asked if he could assist me. I told him I would rather speak with a manager because none of the representatives were able to help me in the past requests. He refused to transfer me until I asked for his name so that I can add him to the complain that I planned on sending to CFPB. He hesitates for a few and says his name is XXXX, which I'm sure is not his honest name. He then says he is transferring me to a manager. After a brief pause another male answers which sounds to be the same foreign person. I asked for his name and he says is name is XXXX. I was unable to resolve anything and am so frustrated that I have to deal with such an incompetent company. 

I find it very odd that my credit report can be pulled for a new application, but when I am trying to sign up for a monitoring service to monitor my own credit Equifax blocks the request. Knowing that Equifax is unable to protect my personal information since being one of the victims in the Equifax security breach, I am trying to monitor what is going on with my credit.
Consumer complaint received 2018-04-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2018 I sent a Lease payment to my landlord via XXXX quick pay service by Chase bank account using the payee 's phone number associated with his account for the amount os {$1200.00}. 
The payment went true according to the bank records but on the 11 day my landlord contacted me asking why my payment haven't been sent, I inquired with Chase and they stated that the funds were taken but my landlord denied receiving any, we contacted XXXX customer service they sent us to complain with Chase bank, whom told us to check back with XXXX, they said that the funds were somewhere on XXXX  XXXX XXXX and we needed to file a claim with XXXX.whom sent us back to Chase bank since the transaction were originated within. 
we ended up paying double on our lease plus a late fee of {$100.00} a day from the XX/XX/XXXXday of the month to the XX/XX/XXXX day equals {$600.00} totaling {$1800.00} Dls So far it has been 3 months and this issue still haven't been resolved from neither part for them the issue has been resolved!
Consumer complaint received 2018-04-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Girvin & Ferlazzo, P.C. (NY)

I have been receiving calls from Girvin & Ferlazzo, PC within the past couple of months everyday, at least twice a day regarding an account that I had with XXXX XXXX ( I believe this is the creditor ) in XX/XX/XXXX or XX/XX/XXXX. I believe the original amount was about {$2400.00}. The business has been closed for several years and I received calls from the law office a couple of years ago and started making payments. When I requested a copy of my original loan documents and totals of payments made directly to the law office, I believe XX/XX/XXXX or XX/XX/XXXX, I never received documentations. Around XX/XX/XXXX, I spoke to a representative and explained that I did not owe any monies to XXXX XXXX and requested that they stop calling me. Since that time, I have continued to receive numerous calls daily. No voicemail messages are being left but the calls continue to come in. I received a letter on XX/XX/XXXX, dated XX/XX/XXXX, from the law office stated that the letter was in regards to : XXXX XXXX XXXX, XXXX vs XXXX XXXX XXXX, Index Number : XXXX. I am guessing this is for the old account and have no idea who XXXX XXXX is. It states that I owe {$9900.00} with daily interest rate of {$1.00} which is insane to me. I want them to stop harassing me for monies that I do not owe to them. Again, XXXX XXXX do not even exist so I am not sure why after all these years, the law office has starting calling me again.
Consumer complaint received 2017-06-23
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC. (FL)

I have a student loan that was initiated with XXXX XXXX which they serviced for 3 years. In that time frame while in school interest had been accruing without making payments. Once I finished school, I began receiving statements by mail and began making payments. After about 3 payments I received notice that the loan was going to be transferred to NAVIENT to be serviced.
<P/>
My problem is this.
1. They will not mail statements.
2. They used to provide a monthly statement online ... .That dies not exist anymore.
3. They do not provide a break down of principle and interest for each loan.
4. There is no way to reconcile my payment for said principal and interest.
5. There is no customer service. I have made numerous attempts to discuss this matter by e-mail and telephone. There is no one able to explain the practice ... .they say it is just the way it is.
<P/>
They are not disclosing interest breakdown because of the following : If you add up the minimum payments on the loans, it is not enough to cover the interest meaning that you will never make a principle payment. The affect of this is catastrophic when interest is compounding on top of interest. It takes the loan which is on average 6.5 % and increases the interest to 28 % for infinity because the principle is not reduced.
<P/>
So, am I supposed to accept that their information is correct?
This is a disclosure issue and unless I do my own math I have no idea what my payment breakdown is.
Consumer complaint received 2018-01-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NV)

On XXXX XXXX, I did a wire transfer of {$40000.00} to Coinbase from my checking account ending in XXXX. I was expecting it by next day but when I called their bank " XXXX XXXX XXXX '' that was in charge of all wire transfers for Coinbase about the transfer, they told me that due to a memo issue my funds will not be accepted and should be returned to my account within 3-5 business days. 

I call back a week after to XXXX XXXX XXXX  after noticing my funds has not been refunded yet. They told me that due to the influx of new users sending transfers from Coinbase that the wire deposits and refunds may be delayed. I can either send a recall message or just wait up to a month for the deposit to automatically be refunded to my account. Due to recall messages having a cost, I decided to just wait longer for my funds back. 

Fast forward to a few more weeks. It 's been a month already since I first wired the deposit and at this time I 've already sent out 2 support tickets, 4 emails, over 9 phone calls, and even go as far as to contact Coinbase through their twitter account, but no response. The only time they did responded to me was saying that the funds were refunded already but it was not. 

I decided to do a recall message from my bank " XXXX XXXX XXXX '' and called XXXX XXXX XXXX again after a few days to make sure that the recall message was sent. They told me that the message is received by Coinbase and just waiting for them to send me back the funds. It 's been a month already after the recall message and I still have not received my funds. 

So a total of 2 and a half months of wait time with no response from their phone support, no response from support ticket, no help from the one time they responded to me on email which 3 of the emails were ignored, I am still missing my {$40000.00} from Coinbase. I am very unhappy with how Coinbase is holding my funds for such a long time and this is the reason why I 'm filing the complaint.
Consumer complaint received 2018-01-06
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: Rocket Mortgage, LLC (NY)

Other than a record of correspondence and interest in a loan product on XXXX XXXX & XXXX 2016 the response provided no proof of my intent to apply for a loan through Quicken loans. It is my position that no soft or hard loan application form was ever filled out and therefore submitted on my behalf nor was any permission given to perform a hard credit inquire.
Consumer complaint received 2018-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (NJ)

We have an XXXX XXXX card issued by Chase Bank. We paid the statement balance on this card on XXXX. It was posted to my XXXX XXXX XXXX   account on XXXX. The balance available has still not been reflected by Chase. When I called Chase they informed me that all payments over 50 % of the credit limit will be held for up to 15 days even though they have posted the payment to the account. This doesn't make any sense. No other credit card we have does this. This appears to be a systematic mechanism to make card holders pay less on their accounts and for Chase to make money on interest. This needs to be investigated.
Consumer complaint received 2018-01-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CT)

I am a XXXX XXXX in XXXX XXXX. I have student loans through navient for my XXXX. I have been contacting the program for the past 2 months about processing a deferment for my loans. They have continually placed obstacles ( e.g. saying forms are n't legible, that previous customer service representatives I spoke with did not document requests, etc ). Recently I submitted a third deferment form 2 weeks ago. I called on day 14 asking for an update on the processing which I was told would be 5-7 business days. They then told me the form was again not legible so I was put on hold only to have them state that there was a mistake and the form was actually legible. So I was told in about 3 days from the call the form would be processed and a decision on deferment would be made. 

After three days passed, I called and was told that the request for form processing three days prior was n't put through and only that my complaint was put through about wanting my form expedited. So the next person I spoke to said that if I did n't hear back next week to call. It is now been 2.5 months of me trying to have a one page form with 14 lines of information processed to defer my loans during XXXX. This has been an impossible task and I really hope this is heard..
Consumer complaint received 2018-01-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: DISCOVER BANK (MO)

I attempted to open a Discover checking account on XX/XX/XXXX and I was denied based on a composite score of my last 10 years of public records provided by XXXX. I do not owe money to any bank, nor have I ever been reported to XXXX for owing money to a bank in my entire lifetime, but I was denied based on the following characteristics of my past 10 years of public records obtained from a report by XXXX:1) Time in Months at Inquiry Address2) Number of address changes reported in the last 12 months3) Number of address changes reported in the last 60 months3) Number of Properties owned4) Wealth Index5) Total number of non-derogatory public records6) Total number of derogatory public records7) Total in months since most recently recorded derogatory public record8) Total number of lien records (both filed and released)9) Total number of released liens10) Total number of bankruptcy filings11) Total number of evictionsTo this, they assign me a score based on public records and Discover Bank, while giving me an unsecured credit card, refused to open a DEPOSIT ACCOUNT based on this worst possible score as presented by XXXX. Discover bank refuses to allow me to appeal this decision, nor do they offer any kind of appeal process for those who are denied. They are simply denied until public records improve without chance for appeal.
Consumer complaint received 2018-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

I received my Equifax annual free credit report online today XX/XX/2018, and my date of birth is incorrect. They also have my current address listed as a former address and my former address listed as current. The only option offered to dispute this is a link to a website, https : //www.ai.equifax.com/, and the page won't load.
Consumer complaint received 2018-01-05
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 — Problem with personal statement of dispute
Company: TRANSWORLD SYSTEMS INC (CA)

On XXXX XXXX, XXXX, I accidentally injured myself at a park in XXXX XXXX, CA, away from my home in XXXX XXXX, CA, and was brought to XXXX XXXX XXXX XXXX ( XXXX XXXX ). While inside the Emergency Room, I asked and was told by their medical staff that it would cost me around {$600.00} for my minor injury. This was witnessed by my husband, XXXX, who was with me at that time. But when my bills finally arrived home by mail, I was surprised to learned it totaled to about {$1900.00}, broken down as follows : {$1200.00} for XXXX XXXX XXXX XXXX ( Exhibit A ) AND {$740.00} for XXXX XXXX XXXX or XXXX ( Exhibit B ) The day of my accident, XXXX XXXX already knew from the start that I was on XXXX  with a Spend-Down of {$970.00}, since they were the ones who provided me with a copy of my XXXX Eligibility information sheet ( Exhibit C ). Accordingly, I was expecting that they would just ask me to pay the {$970.00} as my Spend-Down and XXXX will take care of the rest, just like in my other medical bills in the past. But to my big surprise, both companies insisted thru letter that I either pay them the whole amount of {$1900.00} OR they will bring this matter to their respective agencies for collection. This despite the fact that I sent them successive letters explaining what my XXXX benefits includes but all my pleas felled on deaf ears, as if they have never heard what XXXX Spend-Down means. True enough, my case was passed on to their respective collection agencies for collection : XXXX XXXX XXXX for XXXX XXXX ( Exhibit D ) AND XXXX XXXX XXXX XXXX XXXX for XXXX ( Exhibit E ). And as expected, my credit history went down the drain and was severely damaged as a result of the derogatory reports that these companies have placed on my credit history report, without even considering my XXXX benefits. Enclosed is a copy of my current credit report ( Exhibit F ), for you to understand how these companies have damaged my credit reputation even up to this writing. Practically, what these companies wants me to do is to pay them more than what my XXXX Step-Down of {$970.00} requires, in addition of course to the money they have already collected from XXXX for their services. I have tried but these two collection agencies do not want to coordinate with each other and are not willing to come-up with a written accounting statement of my medical bill, showing my XXXX Step Down of {$970.00} on it with the balance to be paid by XXXX. 

What these companies have done here is totally wrong and needs to be corrected immediately. And it is only but fair and proper that they should rectify their own misdeeds with all the credit reporting agencies that they have shared this misinformation, in order that I can also recover from my own dismal credit rating.