davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (PA)

XXXX charges that caused overdrafts. To the tune of {$480.00}. The initial XXXX was {$26.00}. No correspondence regarding insufficient funds and/or fees. Next thing you know, PNC steals the {$480.00} from my daughters account while she was overseas. No correspondence. No email, letter, or phone call. My daughter returned to the USA to discover the missing funds. She reported it stolen to the bank. After much research, we found out the bank helped themselves to my daughters money to cover the ridiculous fees my son had been lumped with. Funny, they could n't take {$26.00} out to rectify the situation. 2 months of going into the bank, calling the bank, and waiting I was told that what they do was ok in their book. I think it 's illegal and theft. Worst bank ever
Consumer complaint received 2018-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

In 2015 I had rented an apartment from XXXX XXXX and had to break my lease losing my deposit and when I returned the key, was told that they looked forward to renting to me again in the future. 

Recently I paid {$450.00} deposit to look for another rental. Before I was approved for the rental I went into the office to cancel the request. The document I signed stated that I would lose {$75.00} for a filing fee. The office manager stated that he was not giving me back my deposit and called the police to have me removed. I waited for the police, showed them the document, and they convinced the manager to return the remaining {$370.00} of my deposit. I have attached a copy of the document discussed. 

I then notice that on my credit report I see a collection from XXXX XXXX XXXX for {$3700.00}. I have never been notified of what this debt is for and have no idea what it is. I discovered that it was filed by XXXX XXXX. Upon further investigation, apparently XXXX XXXX is not at all reputable and perform these sort of 'vindictive ' actions if any customers dispute their practices, as when I waited for the police and got my deposit back. 

Please advise me on what to do to have this illegal item taken off of my credit report. 

Thank you.
Consumer complaint received 2018-01-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (GA)

On XXXX XXXX, XXXX I was locked out of my coinbase / XXXX account in the middle of a transaction for no known reason. I have been on hold with coinbase for a total of ten hours. The first time someone answered they hung up on me. The second time someone answered she told me she would escalate my case to a ten on a scale of one to ten and they ask to correspond through email. No one answers my emails so I held on the phone today for another hour. I was told by XXXX that there was nothing she could do because she didnt have a phone number for the account escalation department and if she emailed them it would kick me out of line and I would have to start over. They are holding my money for no reason for two weeks now. Oh, and XXXX Answer was unacceptable to me so I told her I would hold so she could find out how to call this other department and she just hung up on me too.
Consumer complaint received 2017-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

I have notified Equifax and XXXX that the XXXX XXXX account was open as a result of identity theft. I have provided them with a FTC report and this account is still showing on my credit file. Can you assist me in getting this matter resolved once and for all.
Consumer complaint received 2017-10-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, I discovered a fraudulent charge to my Chase checking account from XXXX XXXX for {$2100.00}. I called my bank and they reversed the charges. On XX/XX/XXXX, I received a document from Chase Bank saying that they were reversing the charge to my account. When I called Chase, they said they could do nothing about it since XXXX XXXX refuses to reimburse the funds taken. I called XXXX XXXX and they refused to refund the money since the person who took the funds had my debit card information, including the three digit code on the back of the card. I am waiting for a fraud id number from XXXX XXXX. I was told to take this information to my local police force 's fraud division. Even with all of this, there is no guarantee that I will get my money back. From what I understand from my conversations with Chase and XXXX XXXX is that there were areas that both companies could have done to stop this from the beginning.
Consumer complaint received 2017-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (NC)

This complaint is about the application of monies to Transfer Balance The type of problem I am having is the application of excess interest to my account because the Transfer Balance amount subject to interest has remained the same over the past nine statement periods from XXXX XXXX to XXXX XXXX. 
What happened is over the past nine statement periods the Transfer Balance amount subject to interest has remained at an average of {$1200.00} despite consistent payments totalling {$750.00}. In XXXX XXXX and XXXX XXXX I submitted written disputes to Barclays regarding the respective {$1200.00} and {$1200.00} Transfer Balances subject to Interest. With regard to my XXXX XXXX written dispute, Barclays did provide a written response however ( 1 ) the dispute failed to address ( answer my questions ) my dispute and ( 2 ) Barclay 's response stated that I should call them, when dispute guidelines clearly state " You may call us, but if you do we are not required to investigate any potential errors ... '' This 'request ' that I call them was very offsetting.
Consumer complaint received 2018-01-08
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. (MS)

Equifax XXXX XXXX and XXXX XXXX XXXX was sent an initial dispute letter in XX/XX/XXXX of an incorrect reporting of a collections on my credit report. Both companies have been sent 3 letters with 2 being certified by mail letters in which XXXX XXXX never responded and Equifax claimed to do an investigation and stated information was verified. After asking for a reinvestigation from Equifax and demanding for detailed documentation of an original signed contract and the persons first and last name of whom Equifax spoke with at the collection agency to verify that this collection account that is listed as XXXX on my credit report is in my name. I also asked for specific steps Equifax took to investigate this collection, in return all I keep getting from Equifax is " We verified that this item belongs to you. We have verified that this item has been reported correctly '' and still showing the same info to me as listed on my credit report. This collection is being reported INCORRECTLY on my credit report. This account number with XXXX XXXX is 1 ) being reported as an incomplete account number on my credit report 2 ) this account does NOT belong to me XXXX ) Last Payment Date listed as XX/XX/XXXX is inaccurate and does n't exist. Equifax has violated the FCRA rules by not investigating this account properly and I 'm requesting this collection to be deleted from my credit report immediately.
Consumer complaint received 2018-01-08
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NJ)

I ordered multiple items from XXXX and there was a problem with their system that day so I had to call to speak to a customer service representative. When she processed my order she put in the wrong street name even though it was already correctly in on my account online. I later received an email and noticed that the street address was wrong and called to correct it, it was never corrected even though I made several calls to ask them to correct it. All the items were shipped out to an undeliverable address and the items I ordered for XXXX, On XX/XX/XXXX, were not going to make it here for XXXX. I was told I could reorder them, but they would not credit my account until after 10 days. I was also told it would cost me more money at this point. I asked to cancel the order. I never received the items. For some reason two items were sent here I went to a XXXX store and tried to return them, but when the clerk tried to return them it said that I was already credited for them. She then shipped them back for me and XXXX only credited me for one of them! I have literally spent hours, at least 6 on the phone with XXXX customer service. Sometimes I have been put on hold only to be hung up on after holding for over 30 minutes. I have been told the charges are all removed yet there is still a little over 29.00 on my account. I did not receive any items but the two necklaces and I returned them both so there is no reason for there to be a charge. I returned these items on XX/XX/17 so I can not understand why XXXX cant get this resolved by now. Its outrageous. Ive also asked they close the accounts but havent. I have cut our cards up thinking the account was closed and this was resolved as they told me it was, but now that it isnt they wont give me my account number
Consumer complaint received 2019-02-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

On XX/XX/2019, Equifax received my dispute of account number XXXX, {$520.00}, with agency number XXXX with Equifax. I requested that Equifax investigate this account and send to me any documented proof from the creditor that the account belongs to me. Equifax in is violation of the Fair Credit Reporting Act section 611 ( a ), 15 USC 1681i ( a ). I have disputed this account several times over the last two years and Equifax keeps responding stating that Equifax verified the account. Equifax received my last dispute on XX/XX/2019 by United States Post  Office certified mail number XXXX XXXX XXXX XXXX XXXX. Equifax has failed to respond to my dispute of this account and it has more than thirty ( 30 ) days.Equifax has not produced any written documents proving that the debt belongs to me. I have not received anything from Equifax as a response from my dispute of this account from Equifax. It has been more than thirty ( 30 ) days and Equifax is in violation of the law by not providing a response to me, providing Equifax 's investigation procedures, providing written proof from the creditor proving that the debt belongs to me and within thirty ( 30 ) days of Equifax receiving my dispute.
Consumer complaint received 2019-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: KEYCORP (VT)

KeyBank Mastercard promises fraud protection, but they're holding me responsible for a large unauthorized charge on my credit card account in the amount of {$690.00}. I reported my card as stolen on XX/XX/2018, the day after the transaction took place. I took the necessary steps to open a dispute and to obtain a replacement credit card. I also set up a fraud alert with the three major credit bureaus. I opted not to open a police report. 
The business that received payment is located in XXXX, XXXX. They have a website called XXXX where they sell digital, downloadable content related to music. I was unable to obtain an order ID number for this unauthorized purchase. 
On XX/XX/XXXX, they reversed the provisional credit on my account because I lost the dispute. I asked KeyBank to dispute the charge again, and then waited a month before calling for a status update - I wanted to know why I lost the disputes. Customer service transferred me back and forth between departments for a long while, and then finally explained that they were able to prove that I authorized that transaction, though they explained not how. The customer service agent then hung up on me. KeyBank never called back, and didn't send the promised documentation through the mail. All KeyBank did was provide me with a case reference number XXXX, which I was later told was useless. 
I feel KeyBank does not treat me fairly or as a valued customer. I've been using their credit card services for over nine years.
Consumer complaint received 2017-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

XXXX XXXX XXXX, with whom, I do not have a contract with, is reporting on my Equifax credit report. In an attempt to validate the account, I requested a full validation of this account and XXXX completely ignored this request.
Consumer complaint received 2017-10-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (MS)

I have been back and forth with this company, XXXX, XXXX They have agreed to delete and then every other month they add this debt in the amount of {$520.00}, not owed by me back on my credit report. I do not owe XXXX XXXX XXXX XXXXe nor have I ever set up any service with them. This is messing up my credit report and I do not appreciate this period.
Consumer complaint received 2019-02-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (OK)

My servicer, Navient, sent me an email on XX/XX/XXXX congratulating me on my approved application for deferment. I never applied for deferment for my student loans. I had my loan repayment set up to debit my checking account {$220.00} every month. I never knew that they would or could defer my loans without asking me or without me applying for deferment. I owe approximately {$29000.00} in student loans. I called Navient on XX/XX/XXXX and asked why they deferred my loans. They told me that it was written in my promissory note and that my college, XXXX XXXX   XXXX University, contacted them and told them to defer my loans for me. I then called my college on the same day and asked if they had contacted Navient for me to defer my loans and they said no and that they do not do that for students. I also asked if they had any record of me asking XXXX to help me defer my loans and they said no. XXXX informed me that Navient retrieves a list of borrowers who are enrolled in school from a different source and defers their loans. Navient lied to me about XXXX telling them to do it, deferred my loans without consulting me, and has ultimately set me back on my student loan forgiveness. Now I am behind on my repayment schedule with interest accruing.
Consumer complaint received 2017-10-03
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: BARCLAYS BANK DELAWARE (PA)

We had a credit card open for XXXX year with Barclays Bank it was the arrival plus XXXX. They shut my account down due to undisclosed reasons and I can not redeem my reward points with I had earned I had XXXX points.
Consumer complaint received 2019-01-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (WA)

I have statement from XX/XX/XXXX and XX/XX/XXXX that two of my loans through Sallie Mae were sent to XXXX XXXX for collections. To the best of my knowledge, these loans were paid through collections, and I received no further correspondence regarding them until XX/XX/XXXX, when I was contacted by XXXX XXXX ( XXXX XXXX XXXX ) about the same two loans, now being serviced by Navient. At the time I didn't realize that these were the same loans. 

Now, after several months of trying to figure this out with Navient, I do believe that I may have paid these loans a second time, in error. Additionally, after contacting the University which Navient reports that these loans were dispersed to, they have no record of any private loans for my tuition. I am unsure how to proceed at this point, as Navient is still trying to collect payment for two more loans. I was advised to begin by filing a complaint with CFPB.
Consumer complaint received 2019-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NY)

Equifax Credit Report. I called the automated credit freeze number for Equifax to unfreeze my credit report for banking purposes on XX/XX/2019. The credit report has been frozen for over 18 months and have unfrozen it several times. The automated number freezes after the first selection and does not allow continuation. I called the phone number on the website and the agent told me " the system is unavailable, please call back in one hour ''. I did that with the same response. I tried to log in through the website credit freeze page, received an error and told to call Equifax. The response was the same as above. On XX/XX/2019, I tried the automated line again with the same issue. I contacted the phone number listed for credit freeze and was told " the system is unavailable, please call back in one hour. '' This was 12 hours after the call on XX/XX/XXXX. I tried calling customer service to fix the login on the " XXXX XXXX  XXXX '' system. For some reason, there is an error on my account and it needed to be " elevated '' to be fixed maybe in 5-7 days. I tried going through the credit freeze website once again, received an error and a phone number to which I called and received the same answer as above. This is holding up my banking process and making me unable to continue my business needs.
Consumer complaint received 2019-02-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (OR)

I applied for loan forgiveness in XXXX of 2018. I never heard anything back. That is, until today when I emailed them and was told my teacher loan application was denied because I filled out section 3. I checked the correct box and nowhere on the form does it say " Do not fill this out unless previous loan forgiveness obtained. '' The email said nothing about a next step. Just " Please let us know if you have any questions ''. Are you joking me? Now I have to wait another 3-5 business days to hear back about what I need to do to fix a problem that shouldn't exist. After it is fixed I'm going to have to contact Edfinancial every week to make sure my application gets accepted. This is absurd. I'm paying interest on a loan that should have already been forgiven and the company the government chose for my student loans won't even contact me when my application is denied or approved. They certainly know how to milk every last bit of interest.
Consumer complaint received 2019-02-09
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. (MI)

On XX/XX/19, I received an updated credit report from my investigation. Equifax has failed to provide specific investigation results such as who and when they verified this collection. This is unlawful. They are continuing to report unverified information on my credit report that they havent verified by law. The other two reporting agencies are now in compliance with the law and are no longer in violation of my consumer rights. I demand that Equifax immediately delete this unverified account. I have submitted 4 certified letters to them and they fail to remove this item and they continue to ignore the fact that they must provide specific details of their investigation. I am now in the process of pursuing litigation against them and can provide evidence of their unlawful credit reporting and investigation actions. I demand that they remove this item and provide me with an update credit report.
Consumer complaint received 2019-01-18
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (FL)

*****NEW EVIDENCE FROM XXXX XXXX CEO XXXX XXXX ... .. HE WAS THE ORIGINAL MORTGAGE BROKER ... HE CONFIRMED HE SUBMITTED PROPER ESCROW AMOUNTS TO XXXX XXXX ... AND XXXX XXXX COMITTED LOAN ORIGINATION FRAUD IN DIRECT VIOLATION OF THE TRUTH IN LENDING ACT BY CHANGING THE AMOUNTS THEY MADE THE PAYMENT APPEAR LOWER TO THE BORROWER ... AND THEY DECIEVED THE ELDERLY XXXX YEAR OLD VICTIMS**** ***XXXX XXXX AND NATIONSTAR ( WHO XXXX XXXX SOLD THIS LOAN TO ) HAVE BEEN ACTIVELY CONSPIRING TO DEFRAUD THE U.S. GOV ... MORTGAGE INSURANCE ... AND CONSUMERS IN DIRECT VIOLATION OF COUNTLESS LAWS*** NATIONSTAR IS FULLY AWARE OF THIS LOAN ORIGINATION FRAUD AND THE LATER ESCROW FRAUD AND HAS BEEN FOR SEVERAL YEARS AS WE SOUGHT CIVIL RESOLUTION WITH A BASIC REQUEST TO HONOR OUR RIGHTS*** XXXX XXXX COACHED XXXX XXXX TO CONSPIRE AND ENABLE THIS FRAUD WHILE HE WAS EMPLOYED AT NATIONSTAR ( XXXX XXXX   NOW WORKS FOR XXXX  AS A VICE PRESIDENT ... ALSO FOR A COMPANY CALLED XXXX XXXX ACCORDING TO HIS VOICEMAIL ) ***WE ARE MOVING FORWARD IN A COURT OF LAW ON THE CIVIL SIDE BUT I ALSO WANT TO SEE CRIMINAL PROSECUTION AND FINES FOR A CORPORATE CULTURE THAT FEELS IT IS ABOVE THE LAW***YOU HAVE LOAN FRAUD, ESCROW FRAUD, WIRE FRAUD, THEFT OF PRINCIPAL WITHOUT PROPER CREDIT, MAIL FRAUD, CONSPIRACY TO DEFRAUD U.S. GOVERNMENT ( BY STEALING HOMES AND LLEGALLY COLLECTING FEDERALLY BACKED INSURANCE PAYMENTS ) ALL PROVEN AND I HAVE THE EVIDENCE TO SUPPORT IT IN ANY COURTROOM*** I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience.