davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NY)

I can not access my coinbase account : www.coinbase.com, The website will not let me login in the past past 21 days. 
The account uses my email address ad they do have my cellphone number ( for the second password ), my Driving license, my last bill, my photo I asked them more than 30 times through email, website-help tool, and 3 times phone request and they did not reply to any of my requests. 
I informed them that I wanted to sell my bitcoin and I need the money that I have in MY account, and I can provide whatever evidence for the identification purposes if the issue is because of that, but I have not revived any reply. 
I also asked if it is possible to provide me the reason beind blockng my account, but they have not replied either. 
I also informed them two weeks ago ( when the price of bitcoin was 50 % more of today ) that I want to sell my bitcoin, and I need the money ASAP, and I could provide them with any information that they need to open my account, but they did not replied back. 
After talking with them on the phone ( almost a week ago ),  their representative told me he can not help me at all, and after I said " Should I talk with a lawyer? '' He replied " No I wont do anything '' and then he hang out the phone. 
Again, I emailed them and beg them that I need the money, and I am XXXX and I need my money back, and this is not ethical to keep my money for no reason, they simply blocked my email so I can not submit any request any more. 
At time I had access to my account I had more than 9K in my account, all of my saving, and wanted to cash them for the new year, and they did not let me. 

I do not have any option in mind, they did not provide me with a single reason for blocking my account 21 days ago, and keep asking them they simply do not care. 


** I PUT MY FIRST AND MY LAST EMAIL AS A REFERENCE TO THIS REQUEST
Consumer complaint received 2016-10-11
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC (CO)

Hello Green Tree Servicing did not provide correct information regarding the sale of my house and is listed on my credit as a short sale and am requestion that get removed.They broke the law by mishandling the rewuest for short sale and never told me it would fall indure the short sale
Consumer complaint received 2017-12-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (KY)

AES, once again has " lost '' my student loan deferment forms, which have been submitted via fax and email sinceXX/XX/XXXX.The company through which I borrowed the funds XXXX has dissolved, through bankruptcy. I had 7 LOANS through My Rich Uncle ( XXXX-XXXX ), which in XXXX'sBANKRUPTCY ( XXXX is also dissolved ) were sold to different purchasers, resulting in the lack of correct current loan owner deferment forms being available to me at AES. When I contacted AES, the customer service department mentioned I should utilize the bankrupt XXXX deferment forms to request deferment for all of my loans, which I submitted repeatedly. 
Now in XX/XX/XXXX, the 7 My Rich Uncle ( XXXX-XXXX ) loans are in default. AES listsTHE CURRENT OWNER OF THE LOANS AS FOLLOWS:6 of the loans are owned by XXXX dba XXXX XXXX, while one of the loans is still listed by AES as owned BY BANKRUPT XXXX. 
ATTACHED TO THIS COMPLAINT is one of the deferment forms submitted duringXX/XX/XXXX-XX/XX/XXXXrepeatedly via emails.THE ATTACHED FORM was received from customer service in the Fall of XX/XX/XXXX and thus was reconfirmed as the correct form to submit it has an account number PRINTED in the footer area of the file. I CALLED AES to ask for an updated deferment form ; AES INSTRUCTED ME TO USE THE SAME Bankrupt company-XXXX-DEFERMENT FORM THAT I HAD ALREADY sent many times to AES which, as mentioned it confirmed ss the correct form.AES MENTIONED THAT IT DOES NOT UTILIZE THE STUDENT CLEARINGHOUSE TO CONFIRM IN-SCHOOL STATUS OF BORROWERS AS OTHER SERVICING COMPANIES UTILIZE. 
The DEFERMENT form I sent AES during the summer and early Fall of XX/XX/XXXX was scanned into a fax and sent to AES via fax and email simultaneously in PDF format.I thought sending the form via fax and email would eventually work ; I received confirmation in XX/XX/XXXX that AES RECEIVED successfully at least one PDF email attachment which would be processed soon.AES provided more than one email address and fax number to send deferment forms.I sent deferment forms to every address and number provided.AND WILL KEEP SENDING FORMS until I receive notice to stop. AES COMMUNICATION FAILURE ON MULTIPLE LEVELS.
Consumer complaint received 2024-10-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (CA)

I have been asking since XX/XX/2024 to have escrow account closed and it has now been. 

I have also asked for our monthly payment to be recalculated. I have been told on several occasions the payment would be recalculated and it has NOT. 

So this complaint is to have Shellpoint Mortgage XXXX XXXX our mortgage payment since we NO longer have an escrow account that was set up solely for home insurance which we have purchased on our own. 

Thank you XXXX
Consumer complaint received 2017-12-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Upstart Holdings, Inc. (FL)

I applied for an online loan with upstart.com on Wednesday, XX/XX/XXXX. The process was fast and easy. They offer several different methods of verifying an applicant 's bank account to complete the process ( to deposit the funds, withdraw the periodic payments, etc. ) The method they recommended and which I used was to log onto my checking account at XXXX directly through their application process ( presumably using a web services integration. ) The application was approved and my loan was funded promptly. 

Today I discovered that since that application was processed and I logged into my XXXX account through their application, my XXXX checking account has been successfully hacked ( i.e., it has een accessed using my credentials but without my permission, and not by me or anyone I have authorized ) at least seven times since the application was processed. XXXX Fraud Department took note of the activity. It appears that upstart.com, and/or their partners in this enterprise, XXXX XXXX XXXX in New Jersey, and/or someone at XXXX, the XXXX that upstart uses for their web processing, has been repeatedly trying to hack into my checking account.
Consumer complaint received 2017-12-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MD)

I 'm being misled by my student loan servicer. They 're named Nelnet. Here 's how Nelnet misleads people : 1. You make payments online - in my case I 've made four payments online over the past three months.

2. You get an email confirming your payment - The emails literally say " Thank you for your payment. '' They show the payment amount, payment date, even the routing number and account number. I got these confirmations every time. All information listed was correct in each case. I know because I checked with my bank and with Nelnet. 

3. This confirmation email is meaningless and misleading because you get them even if your payment is n't processed - For reasons neither Nelnet or my bank could explain, none of the payments were processed. 

4. No follow-up email is sent to alert borrowers that their payment was not successfully processed - again, incredibly concerning and misleading. 

5. Meanwhile, interest on your loan keeps piling up even though you think you 're paying off your loan - Nelnet benefits at the figurative and literal expense of borrowers like me trying to do the right thing. 

6. When I realized what was happening, I immediately made Nelnet aware. I asked for the interest to be waived. Nelnet refused saying that it was " impossible. '' To recap : I paid my student loan payments to Nelnet online. They sent me confirmation emails that said " Thank you for your payment. '' Yet they never received such payments. And they never told me that my payments had not been processed. Meanwhile, interest accrued.
Consumer complaint received 2017-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST NATIONAL BANK OF OMAHA (VA)

XXXX XXXX closed my account in XX/XX/XXXX. Since then, I paid off the account for an interest fee after I paid the final balance. XXXX XXXX continued to report a late fee for this interest charge post account pay off and closure for 4 months. I disputed this fee with XXXX XXXX and the Credit Bureaus. However, this remains on my credit report. I am a responsible person and this is not a reflection of who I am and how I pay my debts. When you get a statement from a creditor, and you pay the entire balance, it is unfair to see another bill come with additional fees that should have been included when you pay the balance. 

I would like for XXXX XXXX to clear the late payments reported to the credit bureaus. This is keeping me from having a credit score worthy of a buying a home. Considering I pay consistently and on time with all of my other creditors.
Consumer complaint received 2017-12-11
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. (VA)

Hi, I noticed a hard credit inquiry on my Equifax credit report from XXXX XXXX, XXXX for XX/XX/XXXX. As I had not applied for any credit products from XXXX or otherwise consented for them to pull my credit, I called the company today, XX/XX/XXXX to  try to understand why. 

After spending 20 minutes on the phone with customer service, who was very nice and helpful, they found out that it was policy to pull credit on all new accounts at the firm. 

Now, that said, I 'm a XXXX XXXX, and I 've been a client of XXXX for about 8 years or so. I recently opened some brokerage accounts via their XXXX XXXX  platform, which XXXX acknowledges is the reason for pulling my credit. However, I did not apply for a credit product of any kind. Moreover, the MOST important series of facts is that there is no where, to my knowledge, in the account opening documents where I provided my consent. Additionally, if it was included in the docs and I somehow missed it, which would surprise me, it is certainly buried and in no way evident or obvious to a XXXX XXXX, and similarly is likely unknown to other consumers. Prima facie, this is a violation of the Fair Credit Reporting Act ( FCRA ) and I expect it to be addressed appropriately. If not, I will consider remedies under FCRA. 

Thanks, XXXX
Consumer complaint received 2017-12-26
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. (DE)

I was involved in an auto accident. 

Someone, not me, called an ambulance that I did not need or want. 

I received a bill that Equifax refuses to remove from my records
Consumer complaint received 2017-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (CA)

I have contacted the bureaus ' one by one without avail. I have called, asserted, and expressed my displeasure to the companies at large, on X/XX/2013. I was requested to send in a XXXX of my photo identifying me along with a recent bill in the name and social security number. I completely satisfied their demands. Only to wait thirty days to receive a reply from EQUIFAX stating that they needed more Intel to complete and/or look into my request. 

What the heck! 
I felt XXXX, discouraged, and disparaged at the least. 
All the credit bureaus ' have illegally hoarded my personal information unwittingly to my knowledge and without my consent in any form especially in written form as required. In pursuance to the XXXX privacy act all of the credit bureaus ' i have listed not limited to FICO, XXXX XXXX, XXXX, XXXX, & EQUIFAX have blatantly and intentionally violated all privacy rights and allowed my personal information to be leaked and disseminated due to their false and misleading ways. 

Relative to the Fair Debt Collection practices act all of the credit bureaus ' aforementioned in this complaint have maliciously and collectively worked in concert by unlawfully distributing consumer personal data for profitable gain at the expenses of pain and suffering of those so inflicted by the course of their willing and intentional violation. It is my request to have the CFPB to advocate on my behalf, to have all of my personal and sensitive data completely removed from every database my information is held by the aforementioned above. It is a great disgrace, that the aforementioned and above-mentioned engaged in pursuance of filthy lucre at the expenses of many consumers by such fraudulent means. 

I have suffered humiliation, XXXX XXXX and credit disaster because of it. It has greatly decreased my capacity to attain credit for housing, transportation, and it has incapacitated me from career opportunities. i have been XXXX and hospitalized because of it in the past. I request punitive damages for my XXXX, financial pain, and suffering -- also for the prevention of the huge number of failed opportunities these criminal violator 's have caused me. I do not consent to a class action suit. This is personal for me and I 'd like it to be addressed as such. I also would like to express my eternal gratitude for the CFPB protection of my family and household.
Consumer complaint received 2024-10-22
Product: Credit reporting 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. (CA)

someone attempted to do fraudulent applications and I had 18 inquiries and that are all showing on Equifax XXXX and XXXX here are all of the inquiries that need to be deleted off of my account. here is a list of the accounts that should be deleted. XX/XX/XXXXXXXX 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 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 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 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 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 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 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 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 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 XXXX XXXX XXXX
Consumer complaint received 2017-12-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: KEYCORP (FL)

After speaking with multiple representatives from Key Bank and XXXX, I am still unsure as to the why I am no longer eligible for forbearance. I am told by the representatives that I have already exhausted my time in forbearance ; however they will not or can not explain the policy or law-basis for the time limit. Simply put, I would like to understand what the forbearance time limits are and what, if any, similar options are available. 
I finished my degree on XXXX XXXX, XXXX. As such, I do not have the financial resources to pay the required amount owed. So, in an effort to determine and understand my forbearance options, I contacted both XXXX and Key Bank multiple times. My most recent attempt was a call on XXXX XXXX, XXXX which resulted in an attempted transfer to a manager by the representative, which resulted in 30-plus minute hold and then a call disconnect. 
Because, after multiple requests, I have not received an explanation as to the basis for the exhausted time allotted for forbearance.
Consumer complaint received 2017-12-11
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. (NV)

I requested validation to XXXX XXXX, XXXX XXXX, as my right under the FCRA and they responded to me on XXXX/XXXX/XXXX a packet containing the amount owed in an itemized bill. However, the paperwork they sent me contained a description of my personal health information that directly violates my HIPAA rights. I did not release my health information to XXXX XXXX. I sent them a second letter advising them of this violation on XXXX/XXXX/XXXX and they responded with the SAME EXACT packet, never discussing the violation or my concerns. The second response from them was also received in a tampered envelope which concerns me that someone else may have been able to see my PHI ( Personal Health Information ).  A letter was sent to Equifax on XXXX/XXXX/XXXX explaining my concerns and to request to remove this account ASAP from my credit report. All documents and certified receipts were included in this letter for documentation purposes excluding my PHI. My letter was received by Equifax on XXXX/XXXX/XXXX. I just received an email from Equifax today, XXXX/XXXX/XXXX, stating my investigation was completed and the debt still belongs to me after they contacted XXXX XXXX. They have failed to respond in 30 days. Also under FCRA Section 604 ( g ) ( c ) it states that information other than account status or amounts is restricted. My rights were clearly violated. A letter was also sent to XXXX on XXXX/XXXX/XXXX requesting to remove this account from my report. I have not yet received a response but it remains on my credit report.
Consumer complaint received 2017-12-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pendrick Capital Partners Holding, LLC (FL)

On XXXX/XXXX/XXXX XXXX XXXX notified me of new accounts placed for collection. When I checked my mail, there was a letter from XXXX XXXX XXXX regarding a debt they purchased from Pendrick Capital Partners, of which I have never received any correspondence. They have listed 3 items, from XXXX and XXXX, 4 and 3 years ago, respectively, and I am unaware of these charges. I 'm trying very hard to get my credit fixed and my score back up, and this was a shock to me. I also have a negative comment from the XXXX XXXX for XXXX XXXX XXXX, and I have n't even walked into that place in at least 15 years, so I have no idea what this charge is for because I do not use the clinic or any of it 's doctors or services. I 've been trying extremely hard to keep any and all medical payments made and kept current, so I 'm very surprised about these bills because I had no prior knowledge. I 'm also very upset that XXXX put this into my credit report immediately instead of sending me prior correspondence to let me know about it so that I could see what it was even for. Thank you in advance for any assistance you might be able to give me.
Consumer complaint received 2017-12-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Fidelity National Financial, Inc (MO)

We closed on a Mortgage with XXXX XXXX XXXX XXXX XXXX XXXX  on XXXX XXXX, 1999. It has been brought to our attention that we were given false Title Insurance Papers fromFidelity National Title Insurance . They did not do a title search on property .
Consumer complaint received 2017-12-10
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I entered into a contract to purchase the property located at XXXX, CA on XXXX XXXX, XXXX. I provided a good faith check in the amount of {$3000.00}. The agreed price of the home was {$230000.00}. The sellers bank requested a price increase to {$230000.00}. I agreed to the increase. I requested and paid for a termite inspection, a property inspection, and an appraisal. Because the property is a short-sale there were some repairs required by my lender prior to close of escrow. I request assistance in the repairs from the seller, who declined stating lack of funds. I requested an extension of escrow to allow enough time for the repairs to be completed. Once everything was signed off on by the city building inspector my lender informed me that because it is a short sale that they required a letter from Select Portfolio Servicing , Inc. ( SPS XXXX approving the sale because the previous on had expired on XXXX XXXX, XXXX. We had requested an extension of escrow, but we were not able to get a letter with a new closing date from XXXX. We have been requesting it since XXXX XXXX, XXXX. XXXX requested to increase /amend the price again and I have agreed but they still have not provided me with a letter approving the sale with a revised closing date. I am buy the house to have a place to live because me and my husband have recently divorced. I do not feel like XXXX is following good business practices, and is not treating me or the seller fair. This should fall under some type of contracts, and fair business practices, or something. This company should not be allowed to treat people like this. I do n't know what law they have broken, but there has to be some way to stop these banks from making people foreclose on their home even when they have someone willing to purchase it. And they should be reasonable because the house could not even pass the inspection by the city building inspector, and no one else was willing to make the repairs. Now they are stalling trying to make me pull out. Both myself and the seller will lose money on this, and I will not be able to recover the money I spent on the repairs. There should be some laws, or rules that should be followed for short sales. The local real estate market is not doing very well, and this type of thing only makes things worst for people trying to purchase a home. There are still additional repairs that will need to be made before I can even live in the house. I have attached the inspection report for review. 
I have contacted the company to file a complaint, but they told me that I could not do anything without the approval of the seller. They would not provide me with any information about where and how I could file a complaint.