davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-02
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: CITIBANK, N.A. (TX)

On XX/XX/XXXX I applied for the Citi Prestige credit card with an offer for XXXX points for spending {$7500.00} in 3 months. 

I have met the spending in the required time. 
As of XX/XX/XXXX I have not received the XXXX points. 

I contacted customer service on XX/XX/XXXX. I was told I could not get the bonus because I have already had this card within the last 2 years. 
However I never had this card before.
Consumer complaint received 2018-02-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

On XX/XX/XXXX, got adviced by Coinbase support to create a new Coinbase account. As my old account is no more accessible due to authentification issue, that would allow them to transfer the balance from my old account to the new one. 
On the same day, I did create a new account, I mentionned to Coinbase Support my old account and new account emails. 
Still on same day, Coinbase Support then informs me that they're working with a specialist in order to perform the balance transfer from my old account to the new one. 

Then, no news from Coinbase Support, while my money is locked for almost one month now. Got no answer from email sent after to Coinbase Support, no answer from XXXX Coinbase Support user " XXXX '' in order to try resolve my issue. 

Case # XXXX
Consumer complaint received 2018-02-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CO)

I recently called XXXX XXXX ( on XX/XX/2018 ) with a problem regarding my payments. I prefer to manually pay my monthly mortgage payment, which equates to {$2700.00}. Twice now I have had the issue where I manually pay before the due date, but then a second installment is taken out of my account through their recurring payment program. I did initially sign up for this program, but then thought I had cancelled it. The first time redundant payments were taken out for one month and my checking account went below {$0.00}, I thought the representative from Freedom on the phone had unrolled me from the recurring program after I called in to rectify the situation, so I assumed I could make the payments myself. Yet, it happened again. I called Freedom again and spoke to a particularly unhelpful representative named XXXX ( # XXXX ). She was rather impolite from the start of the call and asked me why I would make a payment when I enrolled in the recurring payment program, even after explaining the situation to her. After I told her I did not want to be charged an insufficient funds fee from XXXX, she proceeded to tell me it was my fault anyway. Frankly, I was taken aback by her unwillingness to help and unfriendly tone. Additionally, XXXX said she would email me a confirmation of her ending my recurring payment enrollment after I asked, but I have yet to receive the email. Also, she did not actually unroll me as I had to go on the website and unroll myself, meaning, XXXX had lied to me. I asked XXXX to speak to her manager, but she did not comply with my request and I was not able to speak to a manager. After my call with XXXX, I called XXXX to put a stop payment on the second mortgage charge. Luckily, XXXX was gracious enough to waive the {$30.00} stop payment fee, which they did the last time this happened. 

We have been particularly unhappy with this mortgage company, which was handed to us ( i.e., we did not have a choice in the matter ). We originally had XXXX XXXX which was great, then were automatically transferred without our consent. Overall, our experience with Freedom has been disappointing and frustrating. 

I tried filing this same complaint on Freedoms website, however, received a message stating, Were sorry, an unexpected error occurred. Please try again later. I attempted to submit the complaint twice, and had the same issue.
Consumer complaint received 2018-02-02
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: Experian Information Solutions Inc. (GA)

On XX/XX/2018 I received an alert that I have a debt. First of all I dont know where this came from. The address listed on this account isnt mine so how could this debt be for me? I have phone services with XXXX XXXX XXXX, I never had any mobile services with XXXX so I am unaware of this error that your company is reporting inaccurately. I have contacted the Police department and this is being investigated as to where this came from. I have filed an FTC Complaint and I am now forced to take legal actions for accusing me of owing a debt to your company. If this debt isnt removed there will be consequences and fines when we are due to be in court I will be suing for damages that you have caused and the distress on my life and credit file. Your company reported an error on my report. I will forward all records of documents to my lawyer and we will begin the process of taking this court immediately. I asked your company to verify and signatures, documents or any contracts bearing my signature along with the steps your company took to verify this debt. I called an explain that this account didnt belong to me and Im unaware of it and the rep told me I would have to pay no matter what. You cant force a bill on a consumer because the name and the social apprears on the account. I am an identity theft victim and I my files have been leaked in the XXXX  credit breach. I believe this may be the reason for this debt. If you continue to place error accounts or information on my credit without doing a thorough 100 % validation that this debt belongs to me then it must be removed by law because youve violated my rights and laws within the FCRA sections 609, 611, 612, 605 and FACTA.
Consumer complaint received 2018-02-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc. (IL)

On XX/XX/17 a debt validation letter was sent to this company in response to a medical debt collection I was sent and unaware of. XX/XX/17 this company sent a detailed letter and breakdown of services that were rendered by a local hospital in which is a violation of Hippa. I  never sign any authorization for any on my medical information to be disclosed what so ever. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third-party. On XX/XX/17 I responded by writing a letter to the compliance resolution department stating the above and that I would like the invalid information from reporting on my credit report. No resolution was made at all. This is a violation of the fair credit reporting act.
Consumer complaint received 2018-02-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX a creditor has failed to correct inaccurate information in the remarks on the Transunion and XXXX credit report. It has been a merry go round with letters stating on XXXX behalf that this would be corrected and it has not been done so with no end in sight. The fraudulent information reported by creditor is that account was closed at consumer request which is absolutely not true because the file has ok from XX/XX/XXXX thru XX/XX/XXXX paid as agreed with no closed mark in any month so therefore information they continue to inaccuratly has done harm to my credit and I have legal right to clear the error. They reported my account open and closed for 6 months last year playing games with my credit. This is turning into serious legal issue. If it is not corrected I will be seeking legal counsel.
Consumer complaint received 2018-02-02
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midwest Recovery Systems (TX)

IN REGARDS TO : MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. I SENT A CERTIFIED LETTER TO THE COLLECTION AGENCY TO INQUIRE ABOUT THE VALIDITY OF THE DEBT AND VERIFICATION OF THEIR CLAIM WHEN I HAVE BEEN A VICTIM OF IDENTITY THEFT. IT WAS RECEIVED BY AGENT XXXX XXXX ON XX/XX/2018. WITH NO RESPONSE TO MY DEBT VALIDATION AND NOTIFYING THAT THIS ACCOUNT IS A FRAUDLENT ACCOUNT AND I HAVE NEVER TAKEN OUT OR DONE BUSINESS WITH A XXXX XXXX. THEY HAVE NOT PROVIDED ME WITH A ORIGINALCOPY OF THE CONTRACT BEARING MY ORIGINAL SIGNATURE? PROVIDE ME WITH PAYMENT HISTORY FROM THE ORINGINAL CREDITOR? I NEED COPIES OF ALL LETTERS SENT TO ME FROM YOU THE COLLECTION AGENCY AND THE ORIGINAL CREDITOR REGARDING THIS DEBT? WHEN WAS THE LAST DATE A PAYMENT WAS MADE ON THIS DEBT? ALSO PROVIDE ME WITH THAT THE STATUE OF LIMITATIONS HAS NOT EXPIRED ON THIS ACCOUNT? PROVIDE ME WITH COPIES OF ANY PAPERS THAT SHOW THAT I AGREED TO PAY WHAT YOU SAY I OWE? PROVIDE ME A VERIFICATION OR COPY OF ANY JUDGEMENT IF APPLICABLE? AS I HAVE STATED BEFORE I HAVE BEEN A VICTIM OF IDENITY THEFT AND THIS ACCOUNT IS NOT MINES. BUT THEY ARE REOPORTING INACCURATE INFORMATION TO ALL THREE BUREAUS.
Consumer complaint received 2018-02-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Optimum Outcomes, Inc. (SC)

I contacted the debt collector Optimum outcomes Inc for the amount of {$34.00} showing on my credit also given a derogatory remark when I contacted them they couldn't even speak to me as all of the information the correct information that I provided them about myself did not match any of their records. I then contacted XXXX  to dispute with them they sent me information back determining that, the det was my debt that I owed. They also sent me an updated credit report ( that I requested ) that has my birthday incorrect ( my dob is XX/XX/XXXX  they have it on my report as XX/XX/XXXX ) on the credit report provided to me from XXXX. This is not my debt I'm not sure who the company is where they're located however I have never been there. I ask XXXX  to provide me proof of validation once they validated the debt that information was never provided to me.
Consumer complaint received 2018-02-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bepensa Capital, Inc. (SC)

3 months after I bought the car it broke and I had to fix it because the finance company Afs Acceptance wouldnt fix it. Its XXXX XXXXXXXX which cause me not to be able to make my payments and I was keeping contact and all. They didnt have to look for me or wonder whats going on. And I still have the car they dont want it back
Consumer complaint received 2018-02-02
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: BARCLAYS BANK DELAWARE (NY)

There was some fraud made on XXXX as someone tried to make accounts under my name. XXXX said they would tell XXXX  to remove the following the hard pulls as I did not authorize them. XXXX also said they would remove them. Both companies have nothing removed them and they are still on my file. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2018-02-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (VA)

On XX/XX/2018, the Commonwealth of Virginia on behalf of XXXX & XXXX XXXX, et al. brought forth a case against XXXX XXXX XXXX, legal owner of XXXX XXXX XXXX XXXX, VA XXXX. The case was concluded with XXXX XXXX XXXX, owner of property being forcefully removed from the court in handcuff ( s ), placed in a holding cell and then transported to XXXX XXXX Regional XXXX for the second time surrounding this property. XXXX XXXX XXXX, legal owner of XXXX XXXX XXXX XXXX, VA XXXX has not authorized a property address change and did not grant her property to any party other than herself. This matter is required to be reported to the United States Department of Justice and per EEOC discovery, I, XXXX XXXX XXXX am required to turn over these documents as well as any expenses occurred to the U.S. Department of Veteran Affairs attorney.

Additionally, I just received a check in the mail for the Wells Fargo Property Inspection Settlement and the amount is deficient. The check is for {$63.00}, however, the advance amount is {$2500.00}. I will be turning these matters over to the EEOC attorney for the USDVA as well as requesting the balance due on the property inspection fees diverted as well as any other fees such as your attorney ( s ) fees, foreclosure fees in which I did not indicate my mortgage payments could be directed to a foreclosure sale, and there is no evidence of a foreclosure because it did not occur because it was halted by a case filed against your attorney ( s ) XXXX XXXX XXXX XXXX XXXX by XXXX XXXX XXXX, Legal owner of XXXX XXXX XXXX XXXX, VA XXXX. This remains a XXXX discrimination claim as XXXX XXXX XXXX, legal owner remains to be an XXXX XXXX and the XXXX, et al. are XXXX.
Consumer complaint received 2018-02-02
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Finance of America Holdings LLC (FL)

We negotiated a reverse mortgage with Finance of America. The specialist we dealt with was XXXX XXXX. After agreeing to terms, we signed the necessary documents and were given a 3-day grace period to change our mind, after which the initial payment would be wired to our bank account. Although we signed everything as requested, the money was never transferred. Instead, we received an email from the company indicating that they made an error with the application and that they could no longer fund the loan. The error was a very simple arithmetical error on their part ( not ours ) and we were unaware of it ( it was not included anywhere in the documents we signed ).

We are now in limbo and may face significant financial hardship as a result, with outstanding bills due.
Consumer complaint received 2018-02-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NJ)

On XX/XX/2017, We did a wire transfer of XXXX USD from my XXXX XXXXXXXX XXXX account to Coinbase wallet into their bank account. 

After About one week, I received a communication email from coinbase saying that my wire transfer has been rejected and I will receive my money back to my bank account in next 14 business days. 

I have raised multiple requests to coinbase, but every time I have been said that I have to be patient and wait for the specialist to revert back, but I have never heard anything from the coinbase specialists. 

It has been more than 2 and half months and I am still waiting for my money to be returned to my bank account.
Consumer complaint received 2018-02-02
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: GREAT LAKES (OH)

Hello, I have private student loans with XXXX XXXX XXXX managed by Great Lakes. On XX/XX/2018 I logged into my account with Great Lakes to check on the status of my student loans. When I clicked on account details and scrolled to the bottom where it states " Loans in this Account '', I noticed that my interest rates on the student loans had risen. I was never notified that my student loan interest rates had risen. I even checked my message center with Great Lakes to see if notification was sent, and there was no information letting me know my rates had risen. Before I go further let me go back into my history with Great Lakes to better understand the situation at hand. 
I filed a complaint with CFPB about a year ago against Great Lakes because I noticed that on their website my interest rates had risen and was curious as to why. After talking with several employees in management at Great Lakes I found out that my student loans were variable. My only problem with this information was that the Great Lakes website shared no knowledge to their borrowers that their student loans were fixed or variable. Since I filled this complaint with CFPB you will know see that Great lakes have simply add the word " variable '' next to the rate under " Loans in this Account ''. 
Getting back to my point on the matter at hand. Great Lakes does not supply information or alerts to their borrowers when the interest rates on the borrowers student loans have risen. The only way to find out would be to login, and discover that your payments for several months have been going further to interest. This information is vital and should be shared with borrowers so that they can make the decision to refinance to lower rates if need be. By Great Lakes not telling it's borrowers about rates rising on student loans, they are defrauding borrowers accounts and reaping the rewards. 
Student loan information should be easy accessible and not hidden. My request is to have Great Lakes send alerts by email, message center, or postage mail to borrowers when it's interest rates have risen.
Consumer complaint received 2018-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

I have a account on my credit that was fruad, I paid off the account because I gave disputed before and account has not been removed .. XXXX XXXX XXXX  This account is reporting incorrectly and does not belong to me and I need some type of validation and a copy of my signature of me opening this account or it need to be removed .. The account keeps coming back confirmed and that cant be since I did not open this account .. I have provided paid off notice and police report ..I also have inquiries that I did not authorize and need these removed or I need validation of these because they are unauthorized.. I also have addresses that is reporting that I was never associated with and need these removed please, I have provided documentation
Consumer complaint received 2018-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Please know after successfully completing a 60 month, 5 year pay plan for my XXXX XXXX XXXX. My case was officially recorded and discharged on XX/XX/2017. 

XXXX XXXX XXXX / XXXX XXXX was a creditor in my case as was paid a claim of {$11000.00} as part of the bankruptcy settlement. This information was confirmed by the courts stamped and recorded proof of claim ( POC ), and the courts Interim Final Report ( IFR ). 

I can not get XXXX  XXXX to do a proper and accurate accounting of the {$11000.00} paid to them per the BK court documents. 

They say the have not been paid. However, the court documents say they have been paid as proof in the Trustees Final Report. 

Thank you.
Consumer complaint received 2018-02-02
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: U.S. BANCORP (CA)

I contacted US Bank on XX/XX/XXXX to inquire about the process to pay off my auto loan as I wanted to sell my vehicle and needed it paid off and title in hand to do so. I received the payoff quote and after trying to pay it off online, which their website wouldn't allow, I called back to pay it off electronically, as they said it would be much quicker to receive the lien release on my title if I did an electronic funds transfer instead of mailing a check. I initiated an electronic funds transfer for the full payoff amount that day and was told by the US Bank representative that I spoke with that the lien would be released electronically to the California DMV within 2 business days and my title would be mailed directly from the DMV. I contacted US Bank again on XX/XX/XXXX as I checked the title electronically on the DMV 's website and confirmed that the lien had not yet been released. At that point in time I was first told that my title is not held electronically and that it could be up to 30 days before I receive it. I was upset and after the person spoke to someone else he returned and advised that he was incorrect, that the title was electronic and that the title would come from the DMV once they released it, but that they take approximately 7-10 days after receiving payment before releasing it. This is not what I was originally told and is jeopardizing my ability to sell my car. They told me they have to make sure the funds are valid and I don't stop payment, yet it was an electronic transfer and my funds cleared my account on XX/XX/XXXX. I also believe the DMV in California has a 3 business day requirement from receipt of payment before a lien has to be released and they are violating this requirement by holding my money and not releasing my lien. I also have been provided zero proof that I paid off my loan, they refuse to provide me with an email or fax confirmation/receipt and my loan has now disappeared entirely from my online account. I feel like I can't prove my loan was even paid off yet.
Consumer complaint received 2018-02-02
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NY)

In XX/XX/XXXX I received an approval for a trial period loan modification. I signed the form and returned the document on XX/XX/XXXX. 

I am filing this complalint because as many home owners this loan servicer is not applying the payments correctly. The payment was due on XX/XX/XXXX. According to the documents the 1 trial period loan payment needed to be received by the last day of the month. 

Well I did my part, paid XXXX XXXX URGENT delivery for the same day for OCWEN to collect the funds. OCWEN LOAN SERVICING BROKE MY AGREEMENT. According to the automated system Ocwen applied my first trial payment on XX/XX/XXXX. 

Ocwen needs to be investigated and shut down. DID I KNOW THIS WOULD HAPPEN AGAIN, XXXX. This information needs to be forwarded to the investor of my mortgage as well to show that OCWEN is XXXX UP!!
Consumer complaint received 2018-02-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

TransUnion has failed to properly investigate the following issues on my credit report in accordance with the FCRA. Their claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX XXXX not mine XXXX XXXX XXXX never late INQUIRIES XXXX XXXX  XX/XX/2016 unauthorized