davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

This complaint is in reference to XXXX account XXXX. 
In my view, it is not a reasonable procedure to label an account that has been discharged in bankruptcy as " Collection '' if the account was open and not charged off and I filed bankruptcy. Refer to the current credit report. I filed for bankruptcy on XXXX/XXXX/XXXX. Such a designation would be inaccurate or misleading, because it would indicate that the XXXX XXXX XXXX had written off the account at the time of bankruptcy when it had not in fact done so. Continuing to report a discharged debt as due and outstanding after bankruptcy is a violation of the US Bankruptcy Code. May I reference two cases : In re XXXX, XXXX ( XXXX ). Here, the court relied heavily on XXXX cases, XXXX XXXX XXXX and XXXX for the propositions that when a creditor falsely reports unpaid balances which are stayed or discharged by a bankruptcy, it impermissibly attempts to collect that debt in violation of the automatic stay... and the discharge injunction... 
I order you to remove this account from my credit report.If you do not immediately cease and desist the negative reporting to the CRA 's, I will file a Motion for Contempt and Request for Sanctions against you in bankruptcy court FL XXXX, Per the XXXX case, negative reporting on a discharged debt is a violation of the permanent injunction of my discharge ( XXXX XXXX/XXXX/XXXX filing date, XXXX/XXXX/XXXX discharge date ) and as such you are in contempt of a Federal Court Order with your continued negative reporting on the discharged debt.
Consumer complaint received 2016-10-18
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

We are attempting to get a mortgage and use the VA. The VA broker has asked us to contact Wells Fargo to see if the Home Equity Loan was charged off, discharged because our BK XXXX & XXXX filed in XXXX and show no late pays. We were told it is an open bankruptcy. We asked why we were n't sent to collections. The Wells Fargo rep stated they received the C & D letter from our attorney. 
We are trying to get a payment history from Wells Fargo to show the V.A. proof of no late payments for the last 12 months. It has been asked for verbally, as well as, in written form. The 1st time we asked verbally on XXXX/XXXX/XXXX to have a history back to XXXX XXXX. We received a transaction history that covered XXXX/XXXX/XXXX to XXXX/XXXX/XXXX ( Attachment A ). The 2nd time was the written request ( Attachment B ). I called to follow up on the request from the XXXX. We sent via fax on XXXX/XXXX/XXXX. We called back to follow up XXXX XXXX XXXX ) to find out that the fax was n't received or sent to the wrong number. So we faxed to another fax number on XXXX/XXXX/XXXX and received correspondence via fax on XXXX/XXXX/XXXX ( Attachment C ). The fax from Wells Fargo was received after we called to follow up on the XXXX. We called back on the XXXX to let them know the letter was received and to make sure they knew we were giving it to the VA loan broker ( which is mentioned in the letter ) due to their statement " The information provided below is provided at your request in strict confidence for your use only. '' After showing the letter to our broker over the weekend, we found out the verification of mortgage letter we received did not have anything requested. All payment info was marked N/A. We also sent proof of no late payments from our BK XXXX file showing Wells Fargo did not set up a payment plan with the court. On XXXX XXXX we called to see if they could refax the letter with the payment history information. We were told to send in another fax request explaining in detail what we needed. They stated it would take XXXX to 10 business days so we went to the nearest branch and had them request it via phone to have mailed to us. We do n't know what to do to get the information we need to buy/sell our home.
Consumer complaint received 2016-10-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Penn Credit Corporation (PA)

I keep informing the representatives that I can not receive these types of calls at my place of employment, and they continue to call - everyday! It is getting to the point where my ability to stay gainfully employed due to the excessive calls after I have verbally, with no success, requested to stop has XXXX impact on their intention to stop calling. I am reaching the end of my rope because I do not know what to do at this point. What adds insult to injury, I do not owe this debt because I have an active, XXXX account and the tolls ARE being deducted from my account.
Consumer complaint received 2016-10-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There are several discrepancies with my personal information. The following does not apply to me : I am not associated with these names : XXXX XXXX XXXX XXXX XXXX I have not lived at these addresses : XXXX XXXX XXXX
Consumer complaint received 2016-10-18
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Predatory Lending Practices : I have continuously asked that Capital One send me a monthly billing statement and or give me access to my account online to be able to view my account for about 3years straight and for some reason the bank has refused to honor my request. I have made payments blindly each month and yet can not see or know if payments are applied to my account. in addition, this bank will periodically send my account into foreclosure, forcing me to pay attorneys fees, and all kinds of charges trumped up to avoid my house being foreclosed. I am just fed up of the constant rip off. 
I acquired this loan through XXXX. However, the loan amount has increased by up to {$10000.00} within the short time that Capital One took over in late fees, Lawyers fees, and inspection fees like ( property inspection? ) ; a home i have owned for about 12years. However, it is worth pointing out that despite payments made on this loan, it never reduce by a {$1.00}, for 10yrs, but instead became more than the original borrowed amount. 

Last year, I became bankrupt. And even while in bankruptcy Capital One continued to charge interest on this Loan. My attorney and I have asked that Capital One reverse those chargers, and start sending me a monthly statement by mail, email, or even give me access to my account online ; yet Capital has refused to comply. 
Regards,
Consumer complaint received 2016-10-18
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (LA)

Our original loan was with XXXX XXXX. We purchased the home shortly after hurricane XXXX. We were told that our note would {$1200.00} or so, but when we received out statement the note was over {$1700.00}. Shortly after that we filed for our first a loan modification. In XXXX, the co-owner got ill and had to be out of work, loss of income. My wife soon became ill as well. In XXXX, the co-owner was placed on XXXX by her doctor but did not receive any funds for the first 6-9 months. All expenses were on me. After that my wife became ill. All this time we were filing loan modifications and each time we filed the paper work XXXX XXXX found some other reason not to process it. The co-owner was diagnosed with XXXX. In XXXX, my wife began to have more health issues that caused her to miss work, most of the time without a paycheck. So to try and help we filed bankruptcy in XXXX. We still had trouble making the note, this time because more than half of my salary was going to the bankruptcy. In XXXX, my wife filed for XXXX, she received a few checks here and there, when leave was donated to her but she had insurance that had to be paid first. Since we no longer had that income it was difficult to make the payments. Once the areas was paid XXXX XXXX sold the loan to Rushmore Loan Management. The co-owners XXXX has progressed and she was hospitalized for XXXX. Our bankruptcy was supposed to be finished in XXXX. It is now being discharged and Rushmore Loan Management is attempting to foreclose on the property. Now that the bankruptcy is not coming out of my check, I can now afford to make my payments. 
Due to these health issues it is a hardship to move. We need help.
Consumer complaint received 2016-10-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (NC)

I have been trying to get my the results of my credit investigations from Equifax since early XXXX. I have written several follow-up letters, and filed complaints, but I still have n't receiveced it. I just do n't understand why Equifax can not or will not send me the results of my credit investgations.
Consumer complaint received 2016-10-18
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: BMO Bank, N.A. (IL)

When I was XXXX I got my first part time job and put all of my money into a savings account in my name. It went untouched for several years and when i was about XXXX or XXXX I went to retrieve my money, excited to see how much interest had accumulated, only to be told my account was closed due to inactivity, and the money was no longer there. I asked the teller where my money went and she claimed that there was no record of money being in my account although I showed her my bank book with the date of deposit and the balance. Being young and naive I let the situation go thinking there was no way to solve this problem. Since then the bank has closed. I have checked at www.unclaimed.gov and www.missingmoney.com with no luck. There has to be some kind of record left stating where my money went, or if someone took the money.
Consumer complaint received 2016-09-10
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo charged my checking account {$35.00} for overdraft fee when there was sufficient funds in the account to cover the check. This occurred on XXXX XXXX, 2016. The check was cashed and not returned to the payee because of insufficient funds.
Consumer complaint received 2024-11-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (OR)

Coinbase Case Number : XXXX Account Holder with Coinbase since XX/XX/XXXX Latest customer support phone transaction ID : XXXX XXXX XXXX I am filing this complaint against Coinbase for improperly restricting access to my account funds, resulting in significant financial and personal inconvenience due to Coinbases prolonged delays, lack of communication, and inadequate customer support. I have been a Coinbase customer since XX/XX/XXXX, and until XX/XX/XXXX, I experienced no issues with compliance or account access. 

In XX/XX/XXXX, Coinbase allegedly sent an email regarding a compliance review, requesting my response to restore full access to my account. I did not receive or respond to this email, possibly due to thinking it was spam. When I attempted a transaction in XX/XX/XXXX, I discovered my account was restricted and flagged for manual review. Since then, I have encountered multiple issues as follows : XXXX. Repeated Customer Support Failures : On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I contacted Coinbase support via phone, requesting assistance to resolve the restriction and receive the compliance email. Despite multiple assurances that I would receive the compliance email within the next week, I have not received the promised email, and my case has even been accidentally closed and reopened, showcasing their lack of care. Support representatives have been unable to provide a means to escalate my case effectively. I should note that a monthly fee of {$30.00} a month is required in order to have access to 24/7 phone support. It seems like they just want to verify my identity with that email, but every time I contact them by phone, they have me confirm my name and date of birth, which is already confirming who I am.

2. Conflicting or Misleading Account Information : My Coinbase app and website account display a message instructing me to Check your email for next steps, yet no option exists to resend the email. Additionally, an option to verify identity on the website redirects to an unrelated account settings page, creating further confusion and blocking any means of resolving the restriction.

3. Financial Impact Due to Prolonged Restriction : The account restriction has prevented me from making transactions during several market opportunities, limiting my ability to invest or withdraw funds as intended.

Coinbases failure to provide timely and effective support has severely impacted my right to access and manage my account funds. Despite multiple attempts to follow Coinbases instructions to wait for the email, I have been met with delays, miscommunication, and inadequate guidance. They have not provided a reason for any of the delays and they always say they are escalating the case, but nothing ever happens. I have been left in the dark by them and have thousands of dollars that are essentially wrongfully frozen.
Consumer complaint received 2016-10-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (FL)

There were XXXX incorrect payment histories on my Equifax report that I disputed. I received the disputed report and they all read reported correctly from the investigation ( I still dispute ). XXXX of these accounts were closed and paid in full back in XX/XX/XXXX and the other XXXX were closed and paid in full XX/XX/XXXX, thats 7 years for the first and almost 6 years for the other XXXX. I called Equifax and spoke to supervisor XXXX XXXX and he told me since I disputed these accounts ( I still dispute the accuracy ) that they will remain on my record for another 10 years ( XX/XX/XXXX ) that would be a combined total of 17 years. I told him that is against the Fair Credit Reporting Act and his response to me is that they can report as long as they want. This is not the law and is a total assault against me and my character. Please help me correct this over reaching company, as it is their responsibility to report the truth not make it up at their discretion. Thank You!!
Consumer complaint received 2016-10-18
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TRANSWORLD SYSTEMS INC (NC)

I am unable to contact the company to pay my debt! I have tried to call, the contact home number on their letter is a XXXX recording. The phone number on their website just rings and rings and no one answers. Also, the registration code they provided to pay online does not work and I have tried on multiple devices. I just want to pay the debt but I have been unable.
Consumer complaint received 2016-07-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (OK)

Chase Bank misapplied my mortgage payment again! It occurs every six months, as I have an ARM and when it changes, Chase 's computer goes to default, and makes XXXX payments, rather than applying the payments to additional principal. This has occurred twice a year for 4 years, and they always state they have fixed the issue. They are hoping I wont catch this behavior, so they will make more money!
Consumer complaint received 2016-10-18
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: WELLS FARGO & COMPANY (DE)

After I submitted a complaint to Wells Fargo then the CFPB about the misleading advertising on their Wells Fargo Rewards card, Wells Fargo responded to both and did not do anything except dismiss the claim and point to their lengthy terms and conditions as evidence they are in compliance with their own terms and conditions. Then on XXXX/XXXX/16, I received a statement from Wells Fargo showing that they forfeited XXXX points on my Wells Fargo card because I complaint to the CFPB when I am not supposed to. I contacted Wells Fargo customer service and they told me the same thing and will have a floor manager contacted me within 5-7 business days to further explain the rationale the points forfeiture. It is unethical for Wells Fargo to punish a customer for raising a complaint about bad customer service or misleading adveristing.
Consumer complaint received 2016-10-18
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (GA)

I am complaining against American Express ' ( AMEX ) " dispute transaction '' service. 

I ordered some draperies from XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX with 3 weeks lead time. XXXX charged the full amount to my AMEX account but did not provide any refund policy or warranty documents. 3 weeks late, on XXXX/XXXX/XXXX XXXX delivered the wrong specification. I disputed the transaction ( $ XXXX+ ) via AMEX . AMEX was fully informed the product was incorrect and I had provided a photo and document evidence but went ahead and paid XXXX. 

I also contacted XXXX directly on XX/XX/XXXX. The woman whom I dealt with came to my house on XX/XX/XXXX, tried to persuade us to accept the product, AND suggested that we hold on to the product for XXXX weeks to see " if we could live with it '', and if it did not work, we would receive full refund. 2 weeks later, on XX/XX/XXXX, I emailed her and requested to receive our full refund. Since then, they have refused to issue the promised full refund. 

After I launched the first and subsequent disputes, XXXX provided AMEX with bogus documents and testimonials from their workers/subcontractors. AMEX has rejected me a total 6-7 times ( this process has taken me 8 months ) without providing valid reasons or direct contacts to the dispute team. I had to re-explain my case and complaints EACH and EVERY time I call AMEX customer service. This was not only time consuming but also emotionally stressful. Finally, on XX/XX/XXXX, I was contacted by XXXX XXXX XXXX ( AMEX Executive Customer Care Office ) after I called and complained to AMEX NY HQ on XX/XX/XXXX. However XXXX XXXX unsympathetically said XXXX is their customer and they will not impose the refund because the express warranty is not written down. She also reiterated what the customer service agents had told me many times that AMEX does not really offer a dispute service, and that they merely relay messages to and fro between the merchants and the consumers. This service is completely mis-represented. I was reassured each time I called that AMEX will get my money back. Now 8 months have elapsed I am still to find out if this time wasted has any effect on the standing of my case if I were to purse other avenues. XXXX XXXX also reminded me that per the Cardholder agreement, the {$5000.00} is now my responsibility. 

So not only did I not get my product on time, or on specification, I also owe AMEX XXXX dollars. AMEX will accept XXXX ' bogus documents and deceitful business practice but not my honest words. They have taken me around and around a dispute process 6 times, only to tell me there is no such thing.
Consumer complaint received 2016-10-18
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo has taken of {$5000.00} from me in " fees '' since XX/XX/2016 ... about XXXX % of my yearly income has been taken by Wells Fargo in " fees ''. Wells Fargo has just recently taken {$1200.00} from me in " fees '' from XX/XX/XXXX to XX/XX/XXXX. XXXX separate instances of {$35.00} " fees ''. That is equal to my bi-weekly paycheck. During this time a Wells Fargo ATM jammed, holding half of my deposit and freezing the ATM. I told Wells Fargo and they adjusted, then reversed the adjustment on my account without warning, making it impossible to know the balance ... and then charged more fees. A few weeks later Wells Fargo froze my account, not allowing me to make deposits at ATM 's and not explaining why. Without the deposits, i could not pay bills, causing me to lose my health insurance and make other bills late ... Wells Fargo sent a letter 3 days after the hold as a " notification '' ... and all the while charged more fees. I made a {$1000.00} deposit and Wells Fargo held it for over a week. When I called the branch they said " because I had incurred so many fees they were holding the deposit because they thought it may not clear?! I explained this was a check from my father ( with the same last name and who was willing to call the bank!! ). They instead just rudely hung up on my and continued to charge me fees..though I did n't randomly get a phone call from a Wells Fargo employee days later saying they changed their mind and released the funds??? More of my money has been taken by Wells Fargo in " fees '' then has gone to any other single business entity. I have been financially ruined and my credit destroyed ... I work hard, around 60 hours a week and have me crushed by this bank and do not know what to do ...
Consumer complaint received 2016-10-18
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (GA)

Hello, Equifax has block/removed my profile information within their monitoring system ...! I use Equifax monitoring system to monitor my credit. Every since I responded to case number # XXXX. Showing that Equifax stated they an inquiry was not reporting to my credit, but once you look on their monitoring system, you can clear see the information still reported my profile ... Now, today when access Equifax Monitor System it displays no information at ALL!!! 

I have complained about Equifax adding a number of different account to my credit and report and they have yet to resolve the issue and I have got denied credit because of their errors ... Please see the attachment, which clearly shows Equifax Monitor and with no data for me, but I 'm a paying customer that had data before they were caught not being honest. 

My score was fine on XXXX XXXX and after that a number of BAD ACCOUNTS WERE added to my credit report by Equifax including a number of inquiries ... I have requested Equifax to place my account as it was on XXXX XXXX and they have yet to do so. 
I have attached both of those reports from the XXXX XXXX and XXXX XXXX, please see the difference.