davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-22
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: AR Resources, Inc. (FL)

On XX/XX/2018 i disputed a collection debt of {$200.00} from ( AR resources INC ), this dispute was sent certified mail, as per federal law the collection company can not report any derogatory INFORMATION TO ANY CREDIT BUREAU UNTIL ALL DISPUTES ARE EXHAUSTED, and disputed within the first 30 days of receiving the collection notice. i received the notice on XX/XX/2018, dispute was sent before the 30 days. 

on XX/XX/2018 they sent a letter showing a {$00.00} balance invoice contradicting the claim of $ XXXX XX/XX/2018 i disputed the debt again and never received a reply back. on XX/XX/2018 i received a credit alert notice that ( AR RESOURCES INC. ) REPORTED THE COLLECTION TO ALL 3 CREDIT BUREAUS. 
THEY VIOLATED THE DISPUTE PROCESS AND HAVE CAUSED ENORMOUS DAMAGE TO MY CREDIT FILE. 

THIS COMPANY IS COMMITTING CONSUMER FRAUD, AND VIOLATION THE FARE CREDIT ACT RIGHT TO DISPUTE A COLLECTION PRIOR OF IT BEING REPORTED TO ANY CREDIT BUREAU
Consumer complaint received 2018-10-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (CA)

XXXX Credit report there are Two hard inquiries One is XXXX XXXX Credit on XX/XX/XXXX TjMaxx Credit card Both from Sychrony Bank SYNCB/TJX Dual Card XXXX Fl XXXX I did dispute the XXXX  XXXX one and got confirmation # XXXX As well as called them and disputed the other one both being fraudulent! 
When I log in to check your status of dispute it says there is no indication of this number The other hard injury XXXX  Credit Report Onsite Manager Miscellaneous Reporting Angency XX/XX/XXXX and reported on XX/XX/2018 That one has no other information to call and dispute Both of these are fradulent and I did not open nor authorize them Its been over 60 days when I was told it would be taken care of or I would get a letter. Which I have from Stchrony bank but its still on my report. The first time I reported it it was XXXX they told me they would make note of that now again an Tjmax card was opened in my name without there being any warning! As told by SYCHRONY Bank Fraud department This is identity theft and I would like to dispute all three hard injuries as I had no consent in opening or allowing this to happen.
Consumer complaint received 2018-10-22
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)

Please remove the following accounts which have nothing to do with me.. I don't know how it got on my credit report but I need it removed immediately..I contacted the credit bureaus and ask for evidence but they could not supply me one..XXXX XXXX, ( Original Creditor : ) XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2018-01-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (GA)

On XXXX XXXX,2017 I registered two sells with Coinbase,  the first was for Ethereum - {$500.00} - Ref : XXXX. The second was for LTC - {$500.00} - Ref:XXXX. Both transactions are marked " Completed '' on Coinbase 's website. They state an expected transfer delay for ACH bank transfers of 4-6 business days. I submitted a support ticket with Coinbase on XXXX, still no response. It has been exactly one month today and I have received no response to my support ticket, phone calls, nor have I received any payment ETA.
Consumer complaint received 2018-10-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: AmeriCash Holding LLC (GA)

I applied for a payday loan with XXXX XXXX  in XXXX XXXX, SC on XX/XX/XXXX, in the amount of {$630.00}. Semi-monthly {$87.00} is withdrawn from my account. I have not missed a payment. Today, 5 months later, I still owe this company {$550.00}. I have already paid this company {$870.00}. They're telling me that I accrue interest everyday & the amount I'm paying semi-monthly does not go towards my principal balance. By the end of pay off, I'll be paying them over {$2000.00}. This is ridiculous & i want out of this loan. This loan is putting me further in a financial hardship. I will contact my bank to request a stop payment from their automatic draft.
Consumer complaint received 2018-04-02
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: CITIBANK, N.A. (CA)

On XX/XX/XXXX I went to XXXX XXXX. I took a taxi cab from the airport to the hotel. When we reached our destination I handed the taxi driver my credit card for the ride. I was told by him that the card wasnt going thru, at the time I figured it could be because I was out of the country. So he asked for cash instead which we than gave him the euros. 
When I got back to the room I got WiFi and I realized that he had charged my card too! I was in complete shock. I called the credit card company which was Citibank and I let them know what happened they said did you get a receipt? I said no, not for cash but I said I never signed the credit card receipt. I always thought that if they dont get a signature than the charge isnt valid. Im really upset with Citibank and no longer will continue doing business with them. The whole point of using the card was because I thought they would have my back and clearly they dont. This is why I took the time to write this, so that this doesnt happend to someone else.
Consumer complaint received 2018-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (NJ)

- Around XX/XX/XXXX, Chase sent me a targeted offer ( attached below ) in the physical mail for opening a Chase XXXX XXXX XXXX card. The offer was to earn XXXX XXXX XXXX if I spent {$3000.00} in the first three months. The inside of the offer had instructions for applying, which was to merely use the link provided and enter your XXXX XXXX account information. 
- On XX/XX/XXXX, I followed the instructions to apply for the card using this offer. Upon being immediately approved for the card, I saw verbiage about XXXX points instead so I immediately called the Chase number to speak with a representative. The representative I spoke with assured me that it was a mistake and I will receive the correct XXXX miles upon meeting the {$3000.00} spend. He even mentioned that he saw an internal email mentioning that people might be calling about this issue and to assure them that they will receive the correct mileage. 
- Around XX/XX/XXXX, I knew I had met the {$3000.00} spend threshold, so I logged onto my mileage, and saw that I was only awarded XXXX bonus miles, which was XXXX less than promised. I called the number on the back of the card, and spoke with a different chase representative. I explained the situation and they told me they will put the request for the credit in, and I will have to wait up to 10 business days for a response in the mail. 
- On XX/XX/XXXX, I received a letter in the mail stating that I am not eligible for any different offer, and that no further miles will be awarded.

On XX/XX/XXXX, I called Chase back, spoke to a different representative, and explained the entire situation up to this point, including the fact that I still have the physical offer that was sent to me. She told me she will put in a request to have this " expedited '', and that I have to wait two billing cycles to see if Chase/XXXX has decided to award me those miles. 

At this point I 'm very concerned, because it seems like Chase is dragging this out to a point where I will be less likely to fight about it, and their promise for correspondence in two billing cycles is n't even a resolution to this issue, its a decision on whether they feel like they should.
Consumer complaint received 2018-10-22
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. (FL)

Equifax Confirmation Number : XXXX. Account Name : XXXX. Account Number : XXXX. On XX/XX/2018 I mailed a dispute to Equifax regarding the credit item mentioned above. The dispute reason was " credit limit inaccurate. '' ( See attached copy of original dispute submitted. ) Equifax received the dispute letter on XX/XX/2018. ( See attached certified mail return receipt. ) Equifax provided me with the results of their reinvestigation on XX/XX/2018 stating " information disputed has been verified as accurate, however, information unrelated to your dispute has been updated. '' ( See attached copy of Equifax results of reinvestigation. ) Thus, the inaccuracy remains on my credit file. I contacted the data furnisher, XXXX and received a response on XX/XX/2018. In the response letter, the data furnisher acknowledged the credit limit for this account is ( XXXX. ) ( See attached copy of letter from data furnisher. I have highlighted their acknowledgement. ) Equifax 's reinvestigation results contradicts the response from the data furnisher. Therefore, the credit item must be deleted because it is not 100 % accurate. Equifax has violated the Fair Credit Reporting Act ( FCRA ). The FCRA does not allow the inaccurate reporting of information on my credit report. A reasonable investigation was not conducted and failing to comply with the FCRA is willful noncompliance. FCRA violations include section 607, 609, 611 and 623.  Therefore, if Equifax does not immediately remove this account from my credit report, Equifax will be subject to large monetary fines, plus punitive damages, court costs, and attorney 's fees, as well as complaints to the FTC, Florida Attorney General, and other state or federal agencies.
Consumer complaint received 2018-01-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (AL)

Coinbase.com has my money and they will not release it. There systems are failing and they say they can not verfiy my account. I have sent support tickets, talked to their XXXX chat bot, and tried to verify my account with no luck and with no response. 

This is clearly a scam to make money off the float of peoples funds. I hope the CFPB will take any and all action aginst this clear and obvious fraud.
Consumer complaint received 2018-10-22
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. (NV)

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2018-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I have disputed the late payment status reported on the accounts XXXX XXXX XXXX, XXXX XXXX XXXX XXXX with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2018-10-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Skopos Financial, LLC (FL)

When making payments above the minimum amount due, this company does not automatically apply those funds towards the principal. It is instead held back and given as a credit on the next payment. This company wrongly collects interest on the portion of the loan that should have been paid down on the principal by with holding the funds instead of applying them to the principal. 

Also, while trying to apply a payment through their website, regardless of the browser used, and even by following their directions to allow 3rd party cookies, the website will not allow you to make a payment. You either have to send in a check, or call their automated service, which results in a fee.
Consumer complaint received 2018-01-12
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (MD)

They called my XXXX year old mother and upset her. She started crying uncontrollably They called my brother who work 24 hours straight. They left several messages for me saying they could help with my problem but never left company name. Called my in=laws.
Consumer complaint received 2018-01-12
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: EQUIFAX, INC. (FL)

Despite four notarize written requests delivered via certified mail to have eight unverified accounts deleted from my credit report ; the eight unverified accounts remain on my credit report. The bureau stated in their responses that the accounts were listed as valid ; however, Equifax has continuously failed to provide me with a copy of the documentation that they have used to verify these accounts as I requested in my letters of dispute. The company has ignored my request, which is clear evidence of their disregard for Federal Law. Section 611 ( 5 ) ( A ) of the FCRA clearly states they are required to promptly delete all information that can not be verified. I am requesting deletion of these unverified accounts. The law is very clear as to civil liability and the remedy available to me ( Sections 616 & 617 ). If the bureau fails to comply with Federal Law, I will have no other choice but to pursue litigating this matter to enforce my rights under the FCRA.

I have attached the first page of the four dispute letters that I sent to Equifax, the second page is omitted as it contained a copy of my SSN Card and Drivers License. In addition, it also contained the seal of the Notary that notarized the dispute letters.
Consumer complaint received 2018-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

As the attached pdf document shows, XXXX XXXX requires applicants to acknowledge that a certain web form is NOT a credit card application. Nonetheless, after filling it out and proceeding to a subsequent page, my XXXX credit report shows a hard inquiry from XXXX XXXX.
Consumer complaint received 2018-01-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (IA)

Hi, My account is blocked due to identity verification which not allows me to sell or buy any virtual currency. I can not do anything on my account on coinbase since it keeps asking me to verify my identification. I already submitted my driver license and it got accepted. However, coinbase still requires me to complete the personal information which I had tried to complete with my information but it kept saying that " could n't verify my account, try again in the next 24 hours ''. Also, the quiz question made no sense and not related with me. For example, the quiz gave me a list of cities and asked me what city that had XXXX XXXX How do I suppose to know what city has XXXX XXXX? And why coinbase used this kind of question to verify my identification when there was nothing relate with me. And since coinbase kept asking me to try again in the next 24 hours ; in another word, coinbase locked me from performing any activities on my account, including but not limited to, selling, buying, withdrawing, etc. I currently have {$6500.00} in the account and all I want is my money back. I do n't want to do business with Coinbase anymore. Please help me! {$6500.00} is a big money for me, I just want my money to pay for my tuition fee.
Consumer complaint received 2018-10-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK (MD)

In XX/XX/XXXX I was XXXX XXXX after an eight-year term from the military. After which, I fell into debt with Discover.  Late XX/XX/XXXX the account was sold to XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, VA XXXX ) and they filed a court case against me with the state of Maryland where an affidavit judgment was entered in their favor because I was never served with the court documents. Nonetheless, early XX/XX/XXXX, I received a letter and numerous phone calls on behalf of Discover from XXXX and XXXX, XXXX ( XXXX Box XXXX, XXXX, VA XXXX ), a collection agency, regarding the debt for approximately {$8000.00}. After numerous calls, we agreed that if I were able to pay {$3000.00}, they would render my account paid in full. 

On XX/XX/XXXX, I made a payment of {$3000.00}, received a confirmation letter and assumed the case had been closed ( see attached ). 

Apparently, they never closed, updated or notified Discover or the credit bureau of my payments. On XX/XX/XXXX, I received another letter from XXXX and XXXX regarding the same debt from Discover, citing a {$7500.00} balance, noting that they had been " authorized to accept {$3700.00} to resolve your above-referenced account if your funds are received in our offices on or before XX/XX/XXXX ( see attached ). '' I called immediately to dispute the claim and cite the error. However, the representative told me that they were not mistaken and while the payment had been made, I still owed Discover ( XXXX and XXXX ) the full amount. After a lengthy back and forth ( three phone calls ), I was told that I would be contacted by someone from their department, which never happened. 

Much to my dismay, on Friday, XX/XX/XXXX, I received a thick, white, 11x13, envelope from Discover ( XXXX XXXX  XXXX, XXXX XXXX, OH XXXX ) which included all of my previous statements ( approx 200+ pages ) with a letter citing the following, " we researched the dispute of liability for the above-referenced account. We found the account and balance to be valid. '' " ... We have forwarded our findings to XXXX XXXX and XXXX XXXX ... '' ( see attached ). 

Additionally, the following day, Saturday, XX/XX/XXXX, I received a similar package ( Manila envelope 11x13, 200+pages ) with all of my statements from ( XXXX XXXX  XXXX, XXXX, VA XXXX ). The cover page indicated that I owed {$7600.00} and " ... that interest is accruing at the rate of 10 % per annum. ''
Consumer complaint received 2018-01-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (TX)

I initiated a wire transfer in the gross amount of {$10000.00} ( {$9900.00} net after fees ) to my XXXX XXXX checking account on XXXX XXXX, XXXX. A domestic wire transfer should typically be completed same day or next business day. It is currently XXXX XXXX, XXXX and I have not received my wire nor a response from Coinbase. I have not been able to pay my rent as a result and am facing eviction charges. Furthermore, Ive been charged several overdraft fees from my bank, and I can not see a doctor for a XXXX XXXX that I have developed.
Consumer complaint received 2018-10-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (TX)

Citibank froze my checking and savings accounts and forced me to set up new Citibank accounts. I could not access the frozen accounts online. I also could not go to a Citibank branch to handle the frozen accounts because there are none in XXXX. The closest branch is in XXXX. I was forced to open the new accounts over the telephone. All of my disposable funds to pay my mortgage and credit card accounts were in the frozen checking and savings accounts. Most of my monthly direct deposits went into the frozen checking account because it would still accept deposits, but not withdrawals. 

On XX/XX/2018, I tried to set up the new Citibank accounts over the telephone, but the Citibank Fraud Department said that I would have to go to the nearest branch. I told them that the nearest branch was in XXXX! I asked them if they really expected me to buy a plane ticket to fly to XXXX to set up new accounts so that I could transfer money out of my frozen accounts. XXXX, a Supervisor in the Citibank Fraud Department, said Yes that is the only way.

I was shocked!!!! Does Citibank really understand how ridiculous and unreasonable this requirement is? XXXX would not even let me speak to his Manager when I asked. By this time, I had spent 245 minutes on the telephone with Citibank at a cost of {$28.00}. I still can't believe what happened to me and the totally unacceptable customer service that I received from Citibank. Without a doubt, in all my 50 years of banking and dealing with investment and financial services companies, this was the very worst customer service experience I have had. It has been a complete nightmare. It is disgraceful that a world-class bank can not treat their preferred clients better.
Consumer complaint received 2018-10-22
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: EQUIFAX, INC. (SC)

I would like to know : 1. several years ago the highest credit score was XXXX, now its XXXX 2. how is this possible?

3. who gives these credit companies the right to up the scores at will 4. This has created millions of people that are now in a lower bracket and as such, now must pay more for credit!

This is a violation of law under the Rico act, as these companies are aiding major corporations to increase profits and they are doing it for increased income for themselves.
Consumer complaint received 2018-01-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (CA)

On XX/XX/XXXX, I received in the mail an offer from Big Picture Loans. They approved me for a {$600.00} loan, and I understood that the interest would come to XXXX. I have come to find out that they want XXXX every week for a total cost of {$4200.00} and {$3600.00} in interest ( 665.2037 % ). Had I known this was the case, I would never have agreed to the loan.