davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (IN)

My mortgage is a fixed rate fully amortized installment loan. The payments are automatically deducted on the same day of the month, every month since the loan first originated to take advantage of a rate discount. Although the payments are auto-deducted, I still receive a paper statement. On my paper statement, it provides a breakdown of my payment stating how much will be applied to principal and interest and there is also a section that lists previous payment and how the payment was actually applied. Aprox a year ago, I noticed that the amount that was stated going towards principal was not applied. My statements would indicate a higher portion that would be applied to the balance only to see on the following statement that a lessor amount was actually applied. 
Some time in XX/XX/2018, I had contacted the lender by phone and also via online chat to inquire about this and was simply informed that the amounts that were reflected on previous payments section were correct but was given no explanation for why my statements continually indicate a higher principal payment portion. Concerned about whether this discrepancy will pay the balance in full at the time of maturity, I requested an amortization schedule. However, the document I received was just a payment history of my mortgage. I made another request via online mortgage customer service message and received another payment history. When I called I was informed that they do not have one to furnish. 
While my P & I payments are fixed and paid automatically the same day each month, I have no way of knowing how much truly needs to be applied to pay the balance in full at maturity. Typically you trust that the lender has set it up correctly, however, I can not get an explanation for the discrepancy in how or why my payments are being mis-applied each month and whether my unpaid balance is correct. Without an amortization schedule, I can not reconcile that the payments are applied correctly especially since my paper statements is misleading. 
I have included several months statements for supporting documentation.
Consumer complaint received 2023-04-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (TX)

I have an open dispute with Jefferson Capital System over a fraudulently opened account in my name for XXXX $ opened on XX/XX/2021. This account is not mine, please help me rectify this ongoing dispute as I have attempted multiple times to dispute this with XXXX and XXXX. Thank you
Consumer complaint received 2021-02-12
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NV)

I have written multiple letters to XXXX XXXX XXXX XX/XX/20 in regards to the alleged debt. They are reporting false information on my credit reports. There are reporting bankruptcy when I never had a loan from them and attached you will find a copy of the dismissal letter.
Consumer complaint received 2019-03-21
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. (NC)

Last year i was noticed a company call XXXX XXXX XXXX XXXX was on my credit report. I wrote a letter of validation of debt and was sent Certified mail on XX/XX/XXXX and was delivered at XXXX XXXX XXXX XXXX on XX/XX/XXXX at XXXX XXXX Delivered, Front Desk. I will attach letter below. 30 days later the information was taking off on credit report then put back on my credit report on Equifax. I sent proof to Equifax via mail and fax but still has not been taking of my credit report it is now XX/XX/XXXX. XXXX XXXX XXXX XXXX has not provided me with original contract and security agreement and according to Fair Debt Collection Practices Act. Equifax have not done anything to resolve this simple task because i have done all the work for them. They have cause emotional stress and time lost when i have been trying to send them the documents for them to take the items off my credit report. I again faxed information to Equifax XX/XX/XXXX we will see if they do not receive the documents again!
Consumer complaint received 2020-03-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC. (KS)

I looked at my checking account today and I noticed that there was a electronic bill pay check written under my name to an unnamed source. The check was under my name and address.This check was dated on XX/XX/2020 and posted XX/XX/2020 I called my bank provider ( ally bank ) and after an hour or so conversation was able to open up a dispute on the charge. They also closed my old checking account and transferred the remaining funds to a new one for me.

They said the would get back to me within 10 business days and to call the company ( XXXX ) that the fraudulent check was written to. I dont have an account with them and havent heard of them until today. 

I spoke with a support rep and he said would escalate my issue to a higher up and took some information from me regarding my old bank account number the payment was made from and said they would get back to me tomorrow. 

Neither of these conversations left me feeling 100 % confident I would see my money returned and Im stressing out with the end of the month coming up as I can no longer afford rent due to this. 

Additionally, I've attached an image of the fraudulent check that was electronically filed under my name.
Consumer complaint received 2021-08-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Coinbase, Inc. (CA)

Everybody : Read this and complain about coinbase at XXXX XXXX XXXX XXXX XXXX XXXX # XXXX and here : Report possible securities fraud to the SEC. Call OIEA  at XXXX, ask a question using this online form, or email us at Help@SEC.gov. 

This is a public company and they can't pull this BS anymore. 

Edit : I posted a draft of this : Hi, One XX/XX/XXXX, I had purchased a cryptocurrency from the public company Coinbase. Upon purchasing the cryptocurrency, I was allowed to withdraw it like any other coin on the coinbase platform. The abbreviation for the cryptocurrency purchased was called XXXX  XXXX. 

Basically, I wanted to withdraw the currency, and was able to as well. When I was submitting my withdrawal request, coinbase gave me an estimated time of " instant '' processing time ( Can submit photo evidence ). 

However, it has already been 8 hours and I have still been unable to withdraw it. I have contacted their support and there is no response through email during market hours. Moreover, they ask for a transaction ID when contacting their specific team of support and I am not even given one. This means that the error is purely from their end and their support for other problems are not even responding. Morever, I am unable to sell or exchange that currency back to anything else. 

You could imagine, that Coinbase gave me an estimated time of being instant but I am now stuck with the option of waiting over a day without the option to cancel the transaction. For all we know, the price of the cryptocurrency might go to XXXX  and I would still be stuck holding the coin waiting for coinbase 's transaction to go through. 

This is just ridiculous and should almost be fraud in some sense. Who would be responsible for these financial losses? I want to report coinbase for fraud and deceiving lies, which should not be tolerated for a publicly operated company where users deposit their money with a platform. 

Thanks
Consumer complaint received 2022-07-30
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. (NC)

I filed a complaint here using this service a few day ago and the company XXXX XXXX XXXX responded quickly with the statement essentially saying they had ordered my credit file they reported wrong be removed from the credit bureaus but thus far it has not been done. 

This company is known for violations and will unlikely obey the law Ive learned through research. 

Please begin a new complaint with regards to XXXX XXXX and XXXX XXXX XXXXXXXX and please make note that XXXX XXXX XXXX should be held in contempt. 

Im including the file Pic if there submission.
Consumer complaint received 2023-01-01
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (MO)

Basics ; Synchrony Bank, credit card issued, at store, for furniture purchase. Within XXXX  months of purchase, furniture was breaking, Synchrony bank was advised on phone call asking if they had contact information for store I purchased from as they are out of business and my furniture was falling apart. I was told to contact the merchant, to which I replied, that's why I was contacting them, again because THEY ARE OUT OF BUSINESS, with no contact information. Complaint filed, resolution was in favor of Merchant? But there is no contact information for merchant, how were they contacted? No one contacted me asking for more information. XXXX, resolution, in favor of merchant, because merchant is out of business and Synchrony has no way of being reimbursed for money they paid merchant for my falling apart furniture. Out of the reclining sofa, love seat and chair, the only unbroken, working item is the chair. Other than submitting in writing, which no one mentioned, I've contacted Synchrony, telling them I don't feel like I should have to finish paying for an item that didn't last a year, {$1800.00} for something that needed replaced within XXXX  months. 

I will state, after reading fine print, that XXXX of the major requirements is that the item is not paid off, so I quit making payments. Not the wisest choice but I have now taken pictures of furniture and will be sending that in writing, yes, also stated in fine print, which I failed to read. That's on me, not being told that speaking with a representative did not satisfy the requirements for stating that you have tried to resolve with merchant, even contacting Synchrony for that information, and do not feel like you should have to finish paying for an item you have to replace because what you bought from them was faulty, craftsmanship was faulty it is falling apart.
Consumer complaint received 2021-09-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (WI)

We are not satisfied with the response from CoinBase, regarding the closure of our deceased son 's account. 
We have previously submitted a complaint with CFPB # XXXX. 

Our son, died on XX/XX/XXXX. 
On XX/XX/XXXX, the first inquiry was made to CoinBase, regarding an account that he had with them. All necessary documents ( Death Certificate, Affidavit of Domicile and Drivers ' license of personal representative ) were uploaded to their website. From his bank activity, we knew that he had made deposits and withdrawals in this CoinBase account between XX/XX/XXXX and XX/XX/XXXX. 
There was not action nor response from CoinBase to our inquiry. 
We submitted a complaint with CFPB on XX/XX/XXXX. 

We are not satisfied with the solution that CoinBase presented to us on closing our deceased son 's account and opening another account and so, we presented a complaint directly to CoinBase on XX/XX/XXXX. They had not answered our questions about the value of the account and sent us a list of transactions, all in cryptocurrency from which we were unable to ascertain value in USD. 

As legal personal representatives of the estate of our son, we should be able to get information about the account, like the value in USD ; be able to close the account ; and direct the balance of the account be paid in USD by check, to an established Estate bank account. We do understand the volatility of cryptocurrency, but needed to know a date of XXXX valuation.

Repeatedly we were told that we had to open a personal account in order to transfer the money. We are not comfortable with this, especially after CoinBase has been so lax in responding in a clear and reputable way to our request. 
We will not open a personal account with this company. My son has/had an account. Why can not his account be closed and the funds sent to his legal Estate account? It seems impossible to do this? As legal representatives of the estate, we are not the beneficiary. His XXXX son ( age XXXX  ) is the beneficiary of the Estate, but can not open an account. CoinBase replied to this and said that his legal guardian could open an account and the transfer could be made. And yet, there was no description of how they would validate that the person is the legal guardian. It seems that anyone could open an account and ask to transfer the cryptocurrency. And then, how would the account be closed and balance remitted in USD. We would certainly not be comfortable with providing a bank account of ours to receive the funds. Every other financial institution that we have had to deal with was able to provide a check in USD, made out to the Estate.
CoinBase has not been helpful. They say that they " work with trust accounts '' and yet that is not what this is. An account member died, he had no will, his estate is in probate to ascertain just what his XXXX  son may inherit.

We are trying to protect our identification, and get the money due to our grandson.

Thank you.
Consumer complaint received 2021-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (GA)

I made telephone contact ( XXXX ) with DeptED/Nelnet to stop reporting incorrect information to all three credit bureau. The date of the last activity is incorrect. They are no longer the loan servicer for my student loans. I spoke with ( XXXX-agent Id XXXX ) and she informed me that Nelnet does not report information after seven years. She explained that no XXXX balance on all accounts. She further asserts this should not be reporting on my credit report and they have not sent any information to the credit bureaus. She told me to send a copy of my credit report to verify what is exactly being report so they can see and make a dispute. XXXX I clearly do not understand why XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX. The following loans are out of date : XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX, XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX When reaching out to all credit bureaus XXXX XXXX, and XXXX  all verify the information is correct. These loan amount all affect my debt to income ratio. I do not have any student loans with the Department of Education/Nelnet. This company is not a loan servicer. The information should be completely removed from all of my credit reports and they have cost me Loan opportunities DECLINED for home loans due to the debt to income ratio is too high. According, to the Consumer Protection Fair Credit Report all information on all three credit bureaus, must be reported correctly with the same date of last activity, balance amounts, correct address information, and correct date of birth, correct year of birth, and correct address. When calling into Department of Education/NELNET they did not have my correct address, they did not have my correct telephone number, they did not have correct current information. I am going to take my concerns to Court to enforce my rights as a consumer. I have written at least five letters since XX/XX/2020 trying to correct this information.
Consumer complaint received 2023-01-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CMG MORTGAGE, INC (GA)

The problem from my previous complaint continues regarding the processing of our recast. Our recast agreement is dated XX/XX/2023, because CMG retroactively applied funds to the recast, we overpaid our XXXX, XXXX, and XXXX mortgage payments by {$940.00} each month. CMG has acknowledged this on many occasions on the phone, most recently on XX/XX/2023. During my discussion with the recast department on that day, she told me a manager would call me back this week. Which, I've come to expect poor customer service and empty promises from CMG, no one called me this week as promised. CMG mailed one check to us in the amount of {$940.00}, they still owe us two payments for this amount, or the sum of {$1800.00}. We need these funds to ensure we can make upcoming mortgage payment as I am between jobs. 

I've called their phone number ( XXXX ) 9 times and spoke with someone in the last 5 weeks, I've also sent 5 messages via the CMG online portal. I've also send several emails to XXXX. 

Please help us expedite a quick resolution to this situation. 
Respectfully,
Consumer complaint received 2023-04-12
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: Mortgage Research Center, LLC (IL)

I have been trying to get A mortgage from company for years nothing happened except my credit score went down every time I was turned down for mortgages I was also informed that Veterans United is not A Lender Veterans United is A insurance company this month I got A call from Veterans United XXXX asking about my credit score going up then he ask to check mt credit in which I believed him but I later found out that whike paying off my debts i am back where I started and Veterans united lowered my credit on purpose I want no more communication from this company or phone calls I have blocked Veterans United from my phone and unsubscribed from all future emai
Consumer complaint received 2023-04-10
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY (FL)

Closed my Secured Credit Card with credit line of {$10000.00} and never recieved my cashiers check. Did a stop payment and faxed it in customer service does not have any info on my faxed forms and can not get me my money deposited into my bank account which is the same one it was credited from. Been trying to resolve this since XXXX and Wells Fargo can not give me the answers I need to get my money or will not help me.
Consumer complaint received 2019-03-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Red Cedar Services, Inc (MD)

I originally Borrowed {$1100.00} from XXXX XXXX XXXX since then I've made at least 5 payments With Only {$50.00} going towards Original debt I've been paying approximately {$300.00} every 2 weeks and still have an original debt of over {$900.00} I receive calls every week concerning my payment being made on time I have been paying it on time but the bill seems like it will take for ever to pay Off
Consumer complaint received 2023-04-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/2022 XXXX XXXX remitted payment to me XXXX XXXX XXXX ( XXXX ) and my single member LLC, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ) in the amount of {>= $1,000,000} ( XXXX XXXX XXXX Dollars ). The payment was received by Wells Fargo into my correct account XXXX but at an incorrect amount of {$0.00} ( XXXX Cent ), indicative that bank personnel affected an offsetting net-zero debit transaction to steal the funds and eliminate the reporting requirement for the transaction, but did an inept job of even theft leaving the telltale {$0.00}.
Consumer complaint received 2022-07-30
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. (TN)

i have notified equifax of this fraudulent account that is in litigation! XXXX XXXX XXXX and XXXX has removed this fraudulent account from my credit profile, Equifax removed fraudulent account due to federal law! 5 USC 1681 c-2 once reported that an account is fraudulent the credit bureau ( Equifax ) must remove in four business days. equifax complied with intial but has violated federal law 15 usc 1681 ( A ) Accuracy and fairness of credit reporting agencies. This is a fraudulent account that i took into litigation and the company could not provide an original contract and the case is closed and so is this fraudulent account that Equifax re inserted into my credit profile which is a federal violation of federal law 15 USC 1681 ( g ) ( i ) ( ii ) requirements related to reinsertion of preveiously deleted material. if any information that has been deleted from a consumers file pursuant XXXX XXXX ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing no later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose by any other means available to the agency. your company has committed numerous federal violations and must be held accountable.
Consumer complaint received 2023-07-21
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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The Items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CAXXXX XXXX XXXX  XXXX Balance : {$460.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX  XXXX XXXX Balance : {$460.00} XXXX  XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX Balance : {$460.00}