davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I owned a home in the XXXX area. XXXX XXXX XXXX XXXX XXXX is not doing a great job at all. I encourage you to read all the complaints of Bank of America from consumers. I honestly had the hardest time with the banks, and the banks are whining? I was never reimbursed for a check fraud complaint with the XXXX with BAC. I had lost my job, my car and wanted to short-sale my home. The XXXX answer was there is nothing we can do about it. 
I wanted to short-sale my home sooner but the Management Company of my condo refused to provide the realtor with the keys. I filed a motion to stay the sale. The Bank never called me. I filed several documents that were requested as a home modification. I am working part-time and I filed all my hardship documents. 
My realtors attorney filed the correct paperwork, and the bank lied and said that the documents were not there according to XXXX XXXX at Bank of America when XXXX XXXX stated all I needed was a copy of my license and this was all I needed. In fact, I know the bank lied because an employee of the bank requested that a XXXX form re-completed by XXXX XXXX, which was in part of the attorneys documents. The foreclosure attorney XXXX XXXX who works at XXXX XXXX , XXXX in XXXX would not return my calls, because as a consequence my short sale never happened ( the bank refused ), and put me through XXXX. My condo was placed on the Market for one day and returned to the bank. I wanted answers from the foreclosure attorney XXXX XXXX as to what happened to my property ( only on the market for a day? ), and I get no response when my home was put on the market for one day then taken off the market. I hear on the news that the banks feel that the XXXX is over aggressive. I have a part-time job and underemployed. I was put into foreclosure due to fraud of the Management Company and the Board members. I was forced out of my home with the hopes of getting my relocation expenses reimbursed, and to prevent huge damage to my credit which never happened. 
I filed against the bank a long time ago a complaint with the Federal Reserve, and all I get from BAC is a voice mail from the regulations Department from XXXX XXXX. I always had to call the bank with no return calls. I even escalated this issue to Management XXXX XXXX and she did nothing prior to the Bank making me go through all kinds of steps prior to a short-sale, which was denied. Bank of America lacks transparency and is not honest with consumers by dragging out the time and costs of a consumer trying to short sale a home. More importantly, May be engaged in illegal activity by non-actions. I strongly urge an investigation. I would like to Know what the status is with my home and so do the realtors in XXXX.
Consumer complaint received 2018-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (FL)

My XXXX credit card account was closed because of some personal hardships. I tried login into my account and they said it was locked due to security to reasons. When I tried to get it unlocked they said it was unable to be unlocked because it was closed. I am now unable to get my current balance and make payments online. This seems predatory and intentional to get consumers to miss payments or make the wrong size payments.
Consumer complaint received 2018-01-23
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: Experian Information Solutions Inc. (MN)

I had an equity loan through XXXX XXXX XXXX. Instead of renewing the equity loan, I elected to turn it in to a conventional mortgage loan instrument, at a fixed rate. Experian is still reporting it as a revolving account, instead of a real estate item, on their online website, which is erroneous. Numerous communications with Experian agents have failed to rectify the problem, with them insisting that it is a revolving item, since it is an active line of credit. XXXX XXXX cancelled that line of credit when I elected not to renew the original equity product.
Consumer complaint received 2018-01-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (WA)

Hello, I went to deposit USD from my coinbase account from coinbase.com, to my bank account as im low on money. They charged me instead of giving me the XXXX dollars, making me overfraft, and the money that was taken out is not showing up on the app now! Im super frustrated and out of options and I could really use some help. They took my money.
Consumer complaint received 2018-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (TX)

I sent a letter with payment for my account and I am waiting for them to adjust my credit report and increase my credit limit to what it was prior. In the letter and on the check it said if they chose to cash that particular check that they would restore my credit limit and remove negative information from all three credit reports. I would like them to correct the errors on they agreed to correct when cashing check # XXXX for {$580.00} dated X/XX/2018.
Consumer complaint received 2018-01-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

I had checking account with Chase since 2013. 
I have been always careful with this account : very few cash deposit/withdraw, no over draft, and as an international XXXX, only occasional international wire transfers ( the last one was almost 1 year ago ). 
And it was closed without any reason in XX/XX/XXXX. as well as all my credit card accounts. 
I made multiple calls to Chase but they just transfer me back and forth and calls always end like " we closed your account and we wo n't tell you why or which department closed it or anything '' There are many cases all over the web, but most of them are associated with unhealthy account state or untraceable cash flow but none applies to my case. 

So it 's very probable it 's a human mistake that Chase is unwilling to admit/correct, or even worse, systematical discrimination towards certain group. 

The closure affects my daily life, as the checking account is my main account for receiving scholarship, paying apt rental and auto loan and utilities. Moreover, closing all my credit card accounts greatly impacts and will continue to hamper my credit record for years.
Consumer complaint received 2018-01-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION (NY)

My Navy Federal Credit Union account was sucessfully logged into by an unauthorized user on an Android device with an unsupported build that is now 5 years outdated ( version 4.4.2 ). One day after the unauthorized user gained access, there was a deposit made to my checking account from an authorized 3rd party. This transaction has been posted on the 3rd party 's account but not reflected in my account, the receiving account. NFCU is doing nothing to rectify this problem or assist in any way.

During this time, NFCU made no attempt to contact me and notify me of an unauthorized access. I instead had to call NCFU, four days after the unauthorized user gained access, to inquire about why I was not able to see the above mentioned deposit posted.
Consumer complaint received 2018-05-18
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)

XX/XX/XXXX I filed a dispute with this credit bureau reporting that the bankruptcy account listed on my credit report was inaccurate.XX/XX/XXXX I received this response : The company that reported the information has certified to XXXX that the inofrmation is accurate. This item was not chaged as a result of our processing your dispute. Pleasereview your report for the details. XX/XX/XXXX I replied to the credit bureau stating that the information reporting on my report is inaccurate. Furthermore, the office of the clerk for the bankruptcy that is being reported on my report, stated in a response letter to me they do not report to the bureaus, they also directed me to their website which states the same : XXXX XXXX XXXX. Yet this credit bureau has a bankruptcy reporting on my credit and has it listed as the bankruptcy court of XXXX, AL listed as the company reporting it. I would like this bankruptcy removed from my report immediately. If the bankruptcy is not removed within the time given by the law, I would like to pursue relief for the damage incurred by this false reporting.
Consumer complaint received 2018-05-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (CA)

{$33000.00} was added to the principal on my mortgage without notifying me, giving me a reason or allowing me challenge it. Is the lender allowed to do that? Home is in California. I had a loan modifications 5 years ago from XXXX and as part of that modifications, {$99000.00} will be deferred and in 3 equal installments over 3 years of the anniversary of the modification, 1/3 of the deferred principal will be forgiven in which after 3 years, all {$9900.00} will be forgiven. XXXX sold the loan 4 years ago to Shellpoint Mortage and in XX/XX/2018, they just tacked on {$33000.00} back to the principal, thus breaching the contract. They have yet to respond to my inquiry and they are ignoring me.
Consumer complaint received 2018-01-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ORG GC GP BUYER, LLC (PA)

This dispute involves XXXX XXXX and their collection subsidiary GC Services Limited Partnership. I entered into a payment plan with GC Services Limited Partnership to reduce my interest rate, waive late fees, and pay off my debt. I was told it was a 27 month program where I paid {$200.00} per month which would cover my balance. At the time of this arrangement I had a past due amount owed. I was told that the past due amount was rolled into the balance and that the payments would cover the past due amount as well as the remaining balance. I checked my credit report however to find that since the arrangement in XX/XX/XXXX, I have still been receiving late payment reports on my credit report each and every month even though payments have been made each month. I was also told that the program of reduced interest and waived fees only in fact lasts 12 months, not the 27 months I was promised when I agreed to the payment arrangement. None of my {$200.00} payments had gone toward the past due amount. ( i 've paid {$1200.00} so far ) the past due amount was {$700.00} approximately so it should be paid at this point. Now I just get passed back and forth between XXXX and this collection service and no one can help me.
Consumer complaint received 2018-01-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

Hello, This collection company is called XXXX XXXX XXXX XXXX and they are located on XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX. 

They have shown up on my XXXX credit report. I attempted to contact this company via certified mail asking them to verify this " medical bill '' and show me proof that I owe them, I have also included my updated mailing address to ensure they have the right address to send me back any documents. They failed to respond to me. I contacted XXXX and disputed this collection account several times and everytime they said they couldn't take it off because of the collection agency. I contacted the doctor 's office that is listed on the account and they mailed me a document showing " XXXX   balance '' and that I don't owe anything. I disputed the item again with XXXX and attached the document showing I have a XXXX balance with the doctors office and I also included the letter and certified mail receipt showing I sent this to the collection agency. XXXX failed to take this account off my account and instead of listening to me they transferred to me to the collection agency who were very rude and ended up hanging up on me despite admitting they did get the letters from me. This collection agency is violating the law by putting something negative on my credit report despite proof that I owe nothing and even the amount they out there is different that the amount that was paid to the doctor 's office. 

This is the only negative thing on my credit reports and it is ruining my life. Please help
Consumer complaint received 2024-09-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

On XX/XX/ 2024, I got an email from my bank stating that I had a new inquiry on my credit report. I did not recognize this activity, so I reviewed the details and my bank app showed that Capital One viewed my credit report. I did not initiate this request, so I called my bank immediately. My bank was able to help me set up a fraud alert for the next year and suggested I call Capital One to find out more details as to why they viewed my credit report. I called Capital One over the next few days and various representatives looked up my information in their system, claiming that no results showed. Since I spoke with many representatives who confirmed my information was not in their system, I didn't feel rushed to call the three credit bureaus to have them help me as well. Over the last week, I received a letter from Capital One stating that they are working on my recent application and that I need to provide documentation to verify the information on the application. Again, I have never applied for a Capital One credit card. This notice included the Application ID : XXXX. After more calls with XXXX and Capital One, I finally got Capital One to close that application and mark it as fraudulent. XXXX has also helped me dispute that on my credit report as of today, XX/XX/2024.
Consumer complaint received 2024-09-04
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : Capital One Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score.

Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 
I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 

Thank you for your prompt attention to this matter
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TOYOTA MOTOR CREDIT CORPORATION (AZ)

I am filing a complaint against TOYOTA FINANCIAL SERVICES falsely claiming and reporting to be as TOYOTA MOTOR CREDIT for violating 15 USC 1692 C for unlawful communications and for violating my privacy rights under 15 U.S.C. 6801, 6802, 6803 and 6804. I requested all information in my file per FCRA 1681g and instructed Open XXXX XXXX XXXX not to share my nonpublic personal information under 15 U.S.C. 6801 and 6802, which protect my privacy and give me the right to opt-out of information sharing with nonaffiliated third parties and affiliates.

Despite this, they have continued to disclose my information without my consent, failing to respect my opt-out requests as mandated by law. This non-compliance poses a significant risk to my privacy and security. I request your intervention to enforce my rights and ensure XXXX XXXX XXXX adheres to federal privacy standards. I am writing to formally request the immediate removal of negative account reported on my credit file that are injurious to my creditworthiness. 

This alleged account, " TOYOTA MOTOR CREDIT '' have been reported in violation of multiple federal laws, including the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act. In accordance with the Fair Credit Reporting Act, TOYOTA MOTOR CREDIT has violated my federally protected consumer right to privacy and confidentiality under the 15 USC 1681. Additionally, under the Gramm-Leach-Bliley Act : No Disclosure of Information : You do not have my permission to share any nonpublic personal information with nonaffiliated third parties or affiliates. Opt-Out of Marketing : Please remove my name from all marketing lists and databases. You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of the notice. 

Please address these issues promptly, as failure to comply will result in further legal action to enforce my rights under the applicable federal laws. I expect a response confirming the removal of these items within the required time frame.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Go Capital Holdings, LLC (FL)

I went to XXXX to inquire about a car. I told them not to run my credit as I wasnt sure what I wanted to do and I would contact them to let them know. I have a witness who was with me and the guy XXXX who works at the XXXX location said he would not run my credit. As soon as I left the company ran my credit 7 times. I ask him why he did that and he said he forgot I asked him not to. I had my friend with me who can verify he said he would not run my credit. I asked to speak with a manager but no one would talk to me and he refused to take my calls and wont call me back. Its not right that companies can do this without any type of repercussions.
Consumer complaint received 2018-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (MD)

I was shocked when I reviewed my credit report and found two late payments on the following date : XX/XX/XXXX & XX/XX/XXXX I am not sure how this happened. I believed that I had made my payments to you when I received my statements. My only thought is that my monthly statements did not get to me.
Consumer complaint received 2018-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: SUNTRUST BANKS, INC. (GA)

I put in a claim with SunTrust bank over a vendor that took my money for a service and never supplied the service or replied to any of my inquiries. The bank issued me a temporary credit for the amount, but after their investigation decided that they would reverse the temporary credit. They sent me notification of the reversal AFTER it had been done. The letter they sent was dated XX/XX/XXXX and it read as follows : " Based on this information, we will be reversing the temporary credit that was issued to your account in the amount of {$200.00}. The adjustment is scheduled for XX/XX/XXXX. '' Their inability to notify me before resulted in an overdraft and associated fees in that account. When I attempted to explain to them that they notified me after the fact, it was like talking to a brick wall. Eventually they reversed the fee, but their practices are terrible. This is not the first time I have gotten caught in their bad practices resulting in me losing money. You have to be willing to argue to get your money back from SunTrust even when it is their doing.
Consumer complaint received 2018-01-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (IL)

I have coinbase and I bought bitcoin and then sold my bitcoin and now I have USD in my coinbase wallet but they wo n't let me transfer it to my bank account. 

I have emailed them and continue to try to " verify '' my bank account ( which I already verified and which was already used to even withdraw funds into my coinbase account ) The process is insane but I already went through it. 
So I started it again which was prompted when I went to withdraw my USD into my bank and they said they would withdraw 2 amounts into my account and that I need to tell them the amounts in order to verify my account. I got the amounts in my bank account and when to verify - the amounts were over {$1.00} and they only had an option to put in cents, no dollar. So I put in the cents portion and they said they did n't match. OF course they did n't - coinbase did n't allow me to put in the dollar amount, just cents. 
I did the process AGAIN, same issues. Coinbase does n't ever respond to any of my emails. They are awful. 

This is a SCAM.
Consumer complaint received 2018-01-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (CA)

Recently I received a debt collection letter from a company called Caine & Weiner with  amount of {$190.00}. The letter states the creditor is XXXX XXXX XXXX XXXX. 

I have never done any business with XXXX XXXX in many years so the creditor is completely bogus. The amount, of course, is also bogus. I called the collector and asked them what is involved, and eventually they mentioned it is related to an XXXX XXXX XXXX bought a few months back from an Internet seller named " XXXX Online shopping '' ( XXXX ). The XXXX XXXX is dead on arrival ( completely unusable ). However I could not contact the seller at all. The email address it provided is bogus ( email to it gets bounced back ). So eventually I contacted my credit card company to dispute the charge. The charge was eventually dropped since the product never worked. And I believe that the original seller is operating a scam business to sell non-working product and then tries to collect money from buyer via debt collection. 

Please investigate such fraud business. Thanks.