davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I opened a checking/debit account on friday, XX/XX/XXXX. I deposited my paycheck of {$270.00}. I was told the funds would be available XXXX on the XX/XX/XXXX, the next business day. The mobile app gave the same info. On the morning of the XX/XX/XXXX, my balance still showed {$0.00}. I went to the branch. The first represantitives answer was basically, 'if you do n't like it close the account. ' VERY helpful. The second rep I spoke with was the woman who I opened the account with. She now informs me there 's a 1 week hold on all my funds. She tells me this is normal procedure. That 's not what she told me the day before. Now according to their app, my check was cleared and the funds made available and instantly froze my account for 7 days. Now I have no money, have no paycheck, and am left with the burden of traveling to work for a week with no money, food or gas. Their underhanded tactics and lies are going to cost me my job.
Consumer complaint received 2017-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (TX)

Received a notice that I was declined a card from Chase Bank USA, N.A. I have not applied for a card with them, so I called them. They said the card was for Amazon, which I have also not applied for. They also said they would n't do anything about it because it was for Amazon. I 'm not sure why they would n't care about fraud with their company name involved. I have looked online, and this is not a new thing, but obviously it needs to be addressed.
Consumer complaint received 2017-07-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (TX)

I requested debt validation of this debt XX/XX/XXXX. As of XX/XX/XXXX, i still have no received the validation from ccs companies. The debt is still being reporting to my credit reports and ccs is still actively trying to collect on the debt.
Consumer complaint received 2017-08-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

I am filing this complaint to address Coinbase, digital currency exchange, to have my funds/accounts released immediately. Over the weekend, my account was hacked meaning someone, an unauthrizd user, has logged in with my information somehow to transfer {$5000.00} worth of BTC to an address. At the time of the transaction, I 've received text messages that give me the codes to enter if I am logging in from somewhere I have not logged in in previous locations/devices which the led to the suspicion. I logged in to my account immediately with my phone ( primary device for login ) to see what was going on. Only to find out that a transaction has been made an was " pending ''. Unfortunately, Coinbase do not have a human support. I emailed customer service about the account being hacked and replied by saying they 've closed my account due to security reasons. 
Two days have passed and a representative emailed me stating the transaction was done through a device that I consistently use to make transaction and a consistent location. 
This does n't make sense at all. If someone tried to log in with my information, by entering numerous amount of wrong codes, I believe that Coinbase should have locked my account and advised me right away. I 've received 6 text messages with different codes meaning he or she had entered them wrong every 6 time. Ultimately, I have no idea how they had access to the phone I was physically carrying to complete the transaction. Furthermore, the representative just gave me a simple process to change my password and strengthen my authentication process. I needed to have access to my remaining balance and to find out which device at which IP has logged in for the hack ( trying to somehow resolve on my own ). This capability is only available when I am able to sign in. So at the moment, I am trying to have access to funds over {$20000.00} which is a big amount. Furthermore, they refused to help the customers ' losses. Not only they are willing to even negotiate/speak about responsibilities, they are not enabling my account without answer. So, I hereby file this complaint to Coinbase to take immediate action.
Thank You
Consumer complaint received 2016-06-17
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (TN)

I recently checked my credit and discovered that this company has reported that I owe them a debt. To my knowledge I have never received a notice from this company. I have never received goods nor services from this company and I have not signed a contract stating I would do so.
Consumer complaint received 2017-01-21
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

Sought balance to applicable and prevailing interes on various deposits and its brought to current from trend in pay breach on interes balances in this sector XXXX to XXXX XXXX Card to XXXX to XXXX to BOA
Consumer complaint received 2017-07-11
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: COLLECTION BUREAU INCORPORATED (ID)

On XX/XX/XXXX I was seen by a care provider that goes by the name of XXXX XXXX. My insurance was not billed correctly through them and I was trying to dispute the amount of {$140.00} to bring it down to {$40.00} which is my copay. In the process of doing so, the account was automatically turned over to Collection Bureau Incorporated in XXXX Idaho on XX/XX/XXXX. XX/XX/XXXX Collection Bureau/ XXXX XXXX XXXX XXXX . ( Attny. And owner of collection Bureau LLC. ) served legal papers to collect this debt plus the incurred charges as followed : The original debt of {$140.00} from XXXX XXXX Attny fees of {$140.00} COURT COSTS : {$160.00} PROCESSOR FEE : {$30.00} AND 12 % INTEREST : {$9.00} TOTAL AMOUNT IS NOW {$480.00}. When I call them to resolve this matter, they told me they made several attempts to call me and send me letters in the mail. I received one letter and one phone call only and let them know that I was disputing this matter with XXXX XXXX and my insurance. Not once did collection Bureau inform me that they were going to file a claim against me if it was not paid in a certain time frame. I believe that this attorney is double-dipping and taking advantage of people that are already having a hard time paying their bills it seems that this should not be legal.
Consumer complaint received 2017-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I provided the XXXX app with my Bank of America banking login information for the purposes of earning reward points based upon their monitoring of my credit card charges at specific merchants. I made several purchases at XX/XX/XXXX which was one of my selected retailers which initially tracked and I earned points from ( XXXX points per dollar spent at XX/XX/XXXX ). Recently my purchases have stopped tracking. However, the issue is that I redeemed XXXX points for a {$20.00} XXXX gift card which I have yet to receive after one week ( FAQs state payouts will be made within XXXX days ). I 've submitted multiple inquires to XXXX and it seems they will not pay out saying my account has been flagged for my safety. Their responses are generic and not informative. If there was an issue with my transactions, Bank of America would advise me and it is not XXXX XXXX job to do so. XXXX is simply there to monitor transactions to provide rewards. If they do not pay out what I rightfully earned, they are a scam and need to be shut down immediately seeing how their business involves gathering consumer 's bank account login information and monitoring financial activity.
Consumer complaint received 2017-08-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: EVERBANK, NATIONAL ASSOCIATION (OR)

Hi, I contacted Everbank to have my CD from XXXX XXXX to be transfered to their bank ( EverBank ). 

My CD came to maturity on XX/XX/XXXX. All the forms required by Ever Bank was done and sent to the bank .I was in contact with XXXX XXXX at Ever bank that assure me that all forms had been sent to XXXX XXXX on XX/XX/XXXX Ever Bank CD rate at 1.75 % Today XX/XX/XXXX I received a notice from XXXX XXXX telling me they had renewed my CD at 1.26 % for 2 years. I was in a state of shock. 

I called Ever Bank and talk with XXXX that assure me again she had sent all my papers to XXXX XXXX, and that the XXXX bank had not responded to them yet, so I told her about my notice from XXXX XXXX, and that they had renewed my CD. She then proceeded to tell me that I should have contacted XXXX XXXX to see if they had send my money to their bank. So I asked her why she did not follow up on this, since she was doing the transaction and that my CD came to maturity on XX/XX/XXXX. She told me she did not know about my maturity date, I told her I had done business with many banks in the past and that transaction is usually between the the banks, and if I was supposed to check on that transaction she should I have told me. 

I called the complaints service at Ever Bank and told them my story. They told me they had sent my transfer forms for my money at XXXX XXXX at my address. I asked them why sending it to me, and beside that I never received them. If I had received those transfered forms by mistake I would have called them and send it back to the Bank. 

Is there anything that can be done.??? without loosing money, since XXXX renewed my CD. 

thanks XXXX XXXX
Consumer complaint received 2017-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX I had {$24000.00} in my personal checking account ( XXXX ) and have been trying to close and liquidate the account for weeks. I need to fire Chase and move on. Chase claims there was an issue with a LLC account that I am signatory on, but has shown no proof of this. This LLC is actually wholly owned by another LLC. Chase took it upon themselves to pierce two LLC 's and instantaneously steal my personal family assets. These assets, are the income of my wife and myself. Chase, via XXXX and XXXX have given me tidbits of information, just stating this LLC received a fraudulent wire, and offered no proof of wrong doing. I am simply just asking to learn all the facts of their claim. Chase told me to call a XXXX, a bank that I am not a client of. XXXX will not speak with a non-client. Today is the 22nd day I am without my money, and XXXX will not return my calls. I was supposed to be on vacation with my family in XXXX and this trip is destroyed, as I can not meet them there, while we all have time off.
While Chase did take my money, I notice they charged me fees on my account and I assume my Chase Credit Card is assessing more fees, as I can not pay it.
Consumer complaint received 2017-08-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

Back in XXXX I opened what I believed to be a credit card for my business which was personally guaranteed by myself and my business partner at that time from Capital One. I closed the business in XXXX and took paying the Capital One account as my own personal debt. I continued working for a short time as I was well into a XXXX. I stopped working once I had the baby and was surviving off of whatever credit cards I had, savings and whatever I could get from selling personal belongings that I owned as I had a household to run and was a single mother. Shortly after business closed and I took on this debt as well as another I called Capital One to have my partner at the time removed from the account. When I could n't keep up with the payments I called a bankruptcy attorney who advised me to just let it go as I did n't own anything and there was n't anyway I could make payments. I never received any paperwork regarding the fact that it was an SBA backed account, I did n't receive a notice of a court date, I did n't receive a XXXX as these are things I was told I should have at some point received when I discovered this now became a federal issue in XXXX of XXXX. My issue is not with the SBA, my issue is the amount owed and the fact that I was told it was a disaster relief loan. I feel that Capital One did something very dishonest. The Treasury is looking for close to {$32000.00} on behalf of the SBA who covered the entire amount of credit card debt at the same time I am receiving notices from a debt recovery service for the original defaulted upon amount. I am looking for CFPB to look into the account with Capital One that was a credit card account to me, as I do not remember having any form of a check book as a line of credit. I feel as something is very wrong with Capital One. I did not nor did my business partner sit in front of a loan officer for a loan, I was told recently that is was for a disaster relief loan, we owned a XXXX XXXX, not sure how that fits. If it is as they say it is Capital One should have received 50 % of the original amount in insurance. I 'm looking to resolve this issue and unfortunately it is way beyond my means as it stands. One call to SBA I was told could n't have been backed by them and maybe there was confusion on someones end that maybe its the Small Business Association. I 'm not sure who the lending officer is on behalf of Capital One who 's status reads SBA loan officer. The other thing is the account I 'm referring to my partner was removed from it and never received any notice, call or anything else from Capital One or a collection agency. First she knew of it was when her refund too was withheld in XXXX. I contacted an attorney and sat with him for a consultation, he said paperwork did n't appear to be in order and it would take hours and hours of investigation which would be extremely costly and advised I contact the CFPB.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (CO)

At one point, five years into my loan repayment under the PSLF, they suddenly changed my due date, which would 've required me to pay the loan twice in one month. Because I had the money taken directly out of my check, I did not realize this and ended up being put two months behind, thus kicking me out of the PSLF and I had to start from year one. 
Two years ago, I returned to school and was placed on forebearance. During the XXXX break, Navient advised the Dept of Education that I was no longer in school and I had to refill out forebearance paperwork, and also make two months worth of loan payments, with Navient saying I had already applied for two of three forebearances I 'm entitled to. The Dept of Education confirmed that Navient advised I had stopped attending school, even though my FASFA was current, and University XXXX showed me as a full time student.
Consumer complaint received 2017-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (WA)

On   XX/XX/XXXX     I went to  XXXX  and attempted to view my free credit reports. I was only able to view my   XXXX   report.  <P/> Experian gave me an unintelligible error.  <P/>  XXXX  said it could n't confirm my identity after a series of follow up questions. The follow up questions were very vague. Some included no possible correct answers, and some included multiple possible correct answers. From this it is unclear if they have accurate information on file for me.
Consumer complaint received 2017-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To whom this may concern, I am writing to express concerns regarding TransUnion 's handling of a number of disputes and requests for information regarding unrecognized information on my TransUnion report. Specifically, despite numerous disputes and letters sent to TransUnion not only disputing suspicious records but requesting the documents, records, and actions used to make a dispute determination - TransUnion has not fulfilled its obligations under both California and Federal Law.
To be more precise : 1. ) TransUnion appears to be purposefully delaying the execution of dispute investigations that are submitted through XXXX XXXX. Historically, TransUnion responds to dispute requests within 7-10 days. However, TransUnion has taken the full thirty days to respond to multiple disputes that have been filed through XXXX XXXX. It reasons that TransUnion is delaying the submission of the dispute result to XXXX XXXX and the consumer to avoid additional disputes and or hoping that the consumer will forget about the dispute after 30 days. Either way, this appears as a rather abusive tactic to avoid good faith compliance with state and federal laws - which ultimately harms the consumer. 2. ) After TransUnion made a determination on credit accounts labeled as " XXXX XXXX '', " XXXX XXXX '', etc I made multiple formals request to be provided with the documents, records, and actions TransUnion relied upon to make their determination. To date, TransUnion has not responded to these letters no has TransUnion provided the requested documentation. Because TransUnion is not providing me with the documentation, there is no way to ascertain whether TransUnion is actually investigating these disputes in a professional, diligent, and timely manner. 3. ) It is worth mentioning that there are other outstanding concerns with TransUnion 's handling of my consumer file, which includes the willful inclusion of known-to-be incorrect address information. However, for the purpose of this complaint, I want TransUnion to address the above issues and provide me with documentation concerning my correspondence to TransUnion, the documents, actions, and records relied upon in their investigations, and an explanation as to their behavior as I try to resolve problems with my credit report.
Consumer complaint received 2017-07-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Santander Consumer USA Holdings Inc. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX Phone : XXXX SS # XXXX I would like an investigation for Santander Consumer USA a financial institution. Violation of Privacy Act and Anti-trust laws. Illegal violation of The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies ( such as agencies that sell information about check writing histories, medical records, and rental history records ). Plaintiff purchased XXXX XXXX XXXX and the car was financed by Malfeasance in office by Santander Consumer USA Executive Manager and Sales Representative which caused economic damages, poor credit and destruction of automobile. This occurred after resigning from XXXX XXXX XXXX  XXXX on XX/XX/XXXX. This information may be verified by : Santander Consumer USA XXXX XXXX XXXX XXXX XXXX, TX XXXX Malfeasance in office by XXXX XXXX, Executive Manager and Sales Representative which caused economic damages, poor credit and destruction of automobile. This occurred after resigning from XXXX XXXX XXXX XXXX on XX/XX/XXXX. This information may be verified by : XXXX XXXX Sheriff Department XXXX XXXX XXXX XXXX, Louisiana XXXX Phone : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LAXXXX Telephone : XXXX Fax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, LA XXXX  Telephone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Email : XXXX This company and person conspirators worked secretly to destroy XXXX XXXX XXXX XXXX  immediate family members with negative credit and to harm life style.
Consumer complaint received 2017-07-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (IN)

I am just finding out after 3 years that someone has incurred a bill and opened an account with XXXX back in XXXX XXXX, 2015. I DID NOT NOR HAVE NOT EVER HAD XXXX XXXX OR ANY PRODUCTS FROM XXXX! I am just being made aware of an account that was supposed to be had by me when i recently viewed my credit score on XXXX XXXX. It has had a negative and profound affect on my credit score and there is a derogatory remark on my credit report and I am currently disputing this claim against me and I further found out the name of the collection agency it was turned over to. I want this debt cancelled and erased form my credit profile because IT IS NOT MINE!!! Here it is two years later, only for me to find out that i have been a victim of fraud and an account has been opened with my name and I never had my id or license lost or stolen so how could this be? PLEASE I am asking for help in this matter and I never seen a bill came to my house or phone calls regarding this issue.
Consumer complaint received 2017-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OR)

XXXX XXXX / XXXX XXXX reported that I am 30 days late to credit reporting bureaus even though I had made arrangements to pay late with a promise they would not penalize me. I paid as promised and they reported me 30 days late anyway. Their agreement with me was extremely misleading and this was the first time I was in this type of situation with my payment and I have been a good customer. Please have them remove the late payment on my credit reports.
Consumer complaint received 2017-07-23
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. (OR)

XXXX XXXX / XXXX XXXX reported that I am 30 days late to credit reporting bureaus even though I had made arrangements to pay late with a promise they would not penalize me. I paid as promised and they reported me 30 days late anyway. Their agreement with me was extremely misleading and this was the first time I was in this type of situation with my payment and I have been a good customer. Please have them remove the late payment on my credit reports.