davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (MD)

I am a XXXX resident at the University of XXXX  XXXX XXXX. On XXXX XXXX, XXXX I traveled to XXXX to visit my family for XXXX break. I tried accessing my coinbase account and they locked my account and sent me this email : Dear XXXX XXXX, Our records indicate that you have attempted to log in to your Coinbase account from a country in which Coinbase is prohibited by law from doing business ( XXXX ( XXXX XXXX of ) ) per the sanctions imposed by the U.S. Treasury Departments Office of Foreign Assets Control or other governing bodies. As a result, your account has been restricted. 

If you are not a resident of a sanctioned country or otherwise have received this notification in error, please visit https : //support.coinbase.com for assistance.provide us with a copy of a current, government-issued ID and proof of your current address, such as a utility bill or rental agreement. 

If, however, Coinbase concludes that you reside in a prohibited region or are violating applicable sanctions in any way, your account will be closed and Coinbase will take any other actions required by law. 

Additional information regarding account logins from prohibited regions is available here. 

Respectfully, The Coinbase Team I am deeply concerned that I will lose everything in my coinbase account, despite my repeated emails to coinbase with evidence to the contrary that I am not a resident of XXXX, ect. 

Despite my emails, I am afraid I would not get any response from coinbase support as they have replied to me with an automated response. I am horrified that they may seize my funds, I have already lost a lot of money. 

I provided coinbase support with photos of my driver license and my utility bill to my house in Maryland. I have contacted coinbase support on the day I was locked out and have sent several inquiry emails requesting a follow-up or a status update but still no clue or any sign of them. 

I visited XXXX to see my family and I dont really have any intent on going back. I visited coinbase.com just out of curiosity because of the the recent movement in BTC prices and I was immediately greeted by the above message. 

Please advise what to do and how should I proceed and if there is any way I can get my account reopened. 

Thank You
Consumer complaint received 2017-12-30
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. (CA)

I obtain my free annual credit report from XXXX XXXX and XXXX online. After answering questions from Experian, the website denied my report. Experian questions included entering a city I previously resided that included my current city. I check the current city and Experian declined my report. The ID check should not include trick questions.
Consumer complaint received 2017-12-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (MO)

I applied for a loan with Big Picture Loans after receiving a mailer about being pre-approved for a loan. I was trying to get caught up on utilities after paying for my daughter 's XXXX XXXX, and thought the loan would help. Because I was so desperate for the financial help, I did n't really understand the APR that I was agreeing to. I was approved for a {$720.00} loan, at an APR of 486.8782 %, on XXXX XXXX, 2017. So far, I have made four payments in the total amount of {$350.00}. Of that total amount, {$340.00} went towards interest fees, and only {$3.00} has been applied toward the principal. I understand that I agreed to the contact, but I am now facing extreme financial pressure to maintain the bi-weekly payments of {$170.00}.
Consumer complaint received 2017-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CO)

Over the last 3 days, Equifax has decided to remove all accounts that I was an authorized user on. I did NOT dispute these accounts and am still a valid user on each of these cards. This intentional action has caused significant harm to my credit score as I attempt to rebuild my credit. These accounts have considerable age and positive payment history that I have been trusted by the card holder to also have access to. I have responsibly used these authorized user accounts and Equifax has no cause to remove these accounts from my report. The accounts are as follows : XXXX ( XXXX, XXXX XXXX XXXX Delaware ( XXXX, and a XXXX credit card ( XXXX ). This action has dropped my average account age to XXXX year and XXXX mos, whereas previously my account average age was well over 6 years. I do n't understand why an organization such as Equifax, which a marred public image due to the recent security breech ( of which my account was one of the records compromised ), could behave in this way. I can only assume that Equifax has malicious intent with these actions.
Consumer complaint received 2017-12-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (PA)

pursuant to FCRA they did not provide a copy of any original documentation required under section 609 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( 1 ) ( A ) ... ( A consumer contract with my signature on it ) in under section 611 ( 5 ) ( A ) of the FCRA- you are required to ... properly delete all information which can not be verified The law is very clear as to be civil liability and the remedies available to me for negligent non-compliance
Consumer complaint received 2018-01-31
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 — Problem with personal statement of dispute
Company: BARCLAYS BANK DELAWARE (SC)

During the month ofXX/XX/XXXX, I submitted a request for a Goodwill adjustment of my credit reports. The Adjustment was denied. My adjustment was based on the fact of my wife XXXX XXXX  on XX/XX/XXXX. The late payment was reported along this time frame as well. The missed payment was an inadvertent error on my part due to the dilemma I was in at the time. The payment was made current immediately and the account has been paid in full prior to terms of the agreement. I honestly feel my request was reasonable and I also feel that this creditor is being unreasonable in this instance based on the circumstances aforementioned.
Consumer complaint received 2017-12-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: General Motors Financial Company, Inc. (PA)

Hello- I have a loan with GMXXXX financial Acct # XXXX. I was a victim of fraud on XXXX/XXXX/XXXX and lost the balance of my savings and checking accounts at that time due to fraudulent activities. I files a police report with the county I lived in. This cost me more than XXXX in lost funds. The police department has been diligently working to help me recover funds from the significant theft. This also caused me to fall behind on bills I currently have. I have worked with all my creditors and my auto loan was affected. However, since then I have been current since XXXX on my loan. I have been having difficulty with them for awhile, Each time I speak with them a new amount is owed to them which was different than they last told me. In XXXX and XXXX I sent 2 payments on my XXXX XXXX XXXX which are now unrecorded. I contacted XXXX and let them know. On XXXX XXXX I logged into my account and saw that XXXX was owed and was n't reflecting a XXXX payment I made. This would have put my loan in advance. The very next day I was told my account was in arrears XXXX plus an additional XXXX due to a returned check. I had started to make a payment on my checking account however, reversed that payment and then used my XXXX which went through. XXXX proceeded to electronically complete the checking account transaction in addition to this. THis checking account transaction did not go through. XXXX has not recorded a XXXX payment and a XXXX payment. I then informed them, they did no research or ask questions. I informed them on or Around XXXX XXXX of the lost payments. They asked for evidence. I called my XXXX company and requested they address which took till XXXX XXXX to retrieve. On XXXX XXXX I made attempts to log into my XXXX account online and had no access. SO, the next day XXXX emailed the information to XXXX and sent a XXXX XXXXm for XXXX XXXX. The XXXX XXXX # is XXXX to confirm that sent payment. 2 hours later, the vehicle was repossessed. I told the gentleman I could provide evidence that it was paid when he arrived. He proceeded to say no, he forced repossession in front of my child. My employer has also stated they would refinance my vehicle as soon as it is returned to my possession for me so there are no further issues. However, they will not refinance it for me until it is returned. I am seeking out immediate assistance as I have a XXXX child at home and need the vehicle returned to transport her to medical appointments. This has become a serious matter. I also reported the incident to the PA Banking department in hopes of assistance. I am attaching the documentation for the 2 missed payments. I have also requested GM financial to send me paper statements instead of paperless as they do not always come through. I never get an account update and according to my records I have been current since XXXX and was paid in current at the time of repossession.
Consumer complaint received 2017-12-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Bond And Collection Associates, Inc. (PA)

i ( XXXX XXXX ) recieved a letter from XXXX XXXX XXXX XXXX telling me to make a payment of {$1200.00} for a debt that they bought from XXXX XXXX XXXX XXXX. But as i explained to XXXX XXXX XXXX XXXX that i never took anything worth that in no service. What service i did recieve from XXXX XXXX XXXX was paid for in full. i asked to submit any proof of any agreement that i have sign and non is provided but yet XXXX XXXX XXXX XXXX submitted this claim to XXXX without proof and XXXX put it in my credit report without any questions. 
i would like for your office to investigate this matter in a neutrel party please.
Consumer complaint received 2017-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Allied Collection Services, Inc. (Nevada) (WI)

Received notice that a collection had been placed on my credit report on XX/XX/XXXX. Saw that it was for an account I attempted to close on XX/XX/XXXX with XXXX. Contacted XXXX and was told that they made a mistake and would send me a final bill and recall the collection once the account was paid. Paid the account to XXXX on XX/XX/XXXX. Spoke to both XXXX and Allied Collection on XX/XX/XXXX, XXXX confirmed to me that the account was recalled from Allied on  XX/XX/XXXX and Allied told me that it would take 60-90 days to have deleted from my reports. Got an alert today, XX/XX/XXXX that the collection has been changed to paid and not removed from my reports. The entire thing happened because XXXX did n't send me a final bill when I canceled service onXX/XX/XXXX in writing. This is also showing as an open account on my credit reports.
Consumer complaint received 2017-12-17
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: JPMORGAN CHASE & CO. (MD)

On XX/XX/XXXX I disputed a charge for {$270.00} from XXXX XXXX XXXX, a store in XXXX, MD. I was given temporary credit by Chase XXXX, was requested to send additional information, and was informed that I would be advised about the final determination on the dispute. Beginning on or about XX/XX/XXXX I began calling the Chase Bank Dispute Resolution Department to inquire about the final determination. I was told that it takes tow billing cycles for a final resolution ot the dispute. 

On or about XX/XX/XXXX I began calling the Diuspute Resolution Department to find out about the status of the final determination. Every agent on the phone ( conversations were recorded ) advised me that it would take a little longer. Eventually, I filed a complaint with the Federal Reserve about Chase 's inability to resolve the complaint. 

On XX/XX/XXXX XXXX XXXX XXXX from Chase 's Executive Offices called me and insisted that a letter with a permanent credit had been sent to me on XX/XX/XXXX. I  argued that, if so, it is curious that other people on the Dispute Resolution Department were not aware of it and kept saying that the letter will be sent soon. Nevertheless we agreed trhat he would send me a copy of the XX/XX/XXXX letter ( he refused to send me a scanned copy by email ). 

As of XX/XX/XXXX, I HAVE NOT RECEIVED A COPY OF THE LETTER THAT CHASE ALLEGEDLY SENT ME ON XX/XX/XXXX. I called XXXX XXXX XXXX ( extension XXXX XXXX ) and left a voice mail message, but he did not return my call.
Consumer complaint received 2017-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (AR)

I received a discharge on X/XX/2009 for total XXXX and never heard anything from Navient only from XXXX ..Navient has put incorrect info on my credit report XXXX XXXX and did not understand what was going on and its caused my credit report to show I am in default.., I have never received anything from this company, they have ruined my credit,
Consumer complaint received 2017-12-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Windham Professionals, Inc. (OR)

I have received a letter from a collection agency regarding my XXXX XXXX XXXX contract from XXXX. They want {$740.00} for remainder of the security contract. I have sold my home in XXXX XXXX and moved to XXXX XXXX XXXX in XXXX, OR. At the time of my move I notified XXXX that I would not need the security service here and to cancel my contract. I am XXXX XXXX XXXX, in declining health due to 2 recent XXXX surgeries. I am not a wealthy person and need what little money I have to take care of my rent, health issues, and obligations in my XXXX location. I have written several letters to them and their answer is that I signed the contract and I owe them. Am I to pay them for services that I can not use?
Consumer complaint received 2017-12-17
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. (OH)

I 've recently been noticing my credit score going down. Today I got a full report and it shows that there is a XXXX XXXX account that belongs to my father under my name. We have the same names, I understand how this happened but it should n't of happened because whoever inputted the data should of properly done their job and looked at social security numbers instead of our names. Please take the necessary actions for this account to be taken off of my record. Thank you.
Consumer complaint received 2017-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Today I just called Capital One and asked them to delete the online account Id set up with them on their App. The representative told me you can never delete an online account at Capital One once youve set it up. Is that true? Is that the law? 

That sounded very strange, particularly in this era of digital theft and insecurity, that Capital One has the right to maintain your account information even when you request severance of all business ties with them? 

Thank you for reviewing my complaint.
Consumer complaint received 2017-12-17
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EVERBANK, NATIONAL ASSOCIATION (GA)

XXXX who has no sold their bank has been reporting my payments late to the credit bureau and I am trying to sell my house to down size after a divorce. THe company did not even have an automated system in the beginning ofXX/XX/XXXXall payment went through XXXX XXXX as well they have a XXXX  that you remit payment and as you will see on my bank statement the payment constantly cleared on the XXXX of almost each month but on their activities report posted on the last day of the month. I have all the proof that the company is wrong and they are hindering my process of purchasing a home. They were a small mom and pop bank that held payments nd posted them to get additional feel in the month of XXXX or XXXX they held a check for an entire month due to know account number ad my name and address was on the check. They returned the check a month later ( how did they know my address ) because it was on the check in which they could have applied my payments. Again please consistanly look at how they cleared and posted my check pretty much the same time every month. I have never been 30 days late this process has taken over 40 days and I need them to remove the lates now since I do have proof of payment and when they cleared.
Consumer complaint received 2017-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WY)

I have always make my payments on time ... I have never missed a paymen. However, I had my bank of america in XXXX and some how I got charge for something while I was on military training without internet. It was around 30 dollars. When I got back I made the payment but the company told me that theywere not able to do anything about the report. I had no internet during my training so I was not able to receive notifications
Consumer complaint received 2017-12-17
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: SYNCHRONY FINANCIAL (OH)

I 've recently been noticing my credit score going down. Today I got a full report and it shows that there is a XXXX XXXX account that belongs to my father under my name. We have the same names, I understand how this happened but it should n't of happened because whoever inputted the data should of properly done their job and looked at social security numbers instead of our names. Please take the necessary actions for this account to be taken off of my record. Thank you.
Consumer complaint received 2017-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Diverse Financial Enterprises (NY)

XXXX : Calls asking for an unknown called on my mobile. 
He does not exists at this number. They refuse to stop calling. 

Their number is XXXX. 
They ask for a person stating that it is a person business matter. Refuse to identify themselves and then finally after I angrily inquire why they keep calling me, they tell me where they are calling from.
Consumer complaint received 2017-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Santander Consumer USA Holdings Inc. (TX)

I attached the correspondence I had with two car dealers, and XXXX. XXXX approved my loan for some {$12000.00} but when I refused to purchase a vehicle of their choosing, or dealer selection, XXXX of XXXX XXXX had my approval canceled. I argue the credit agencies refuse to post all of my loans, and instead post one negative item on my credit report. I believe this is a violation of The Fair Credit Act, Equal Opportunity in lending, and request you correct their violation of my civil rights. I believe XXXX XXXX XXXX. their internet department specifically XXXX Internet sales attempted to exploit me, and violated my civil right. I am requesting a Full Investigation. Thank you
Consumer complaint received 2017-12-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Offices of Les Zieve (CA)

In XX/XX/XXXX, LAW OFFICES OF LES ZIEVE ( " ZIEVE '' ) involving a debt of property, ZIEVE failed to properly state it 's position/title in the transaction. Require ZIEVE to answer the following questions : In XX/XX/XXXX and XX/XX/XXXX, ZIEVE contacted me alleging a debt was owed.

1 ) Question : Was ZIEVE representing itself as a debt collector? If not state it 's specific title it represented.

2 ) Was the property ZIEVE was attempting to collect a ) Movable Property b ) Immovable Property 3 ) Is ZIEVE the principal party involved?

4 ) Is ZIEVE the agent of a debt collection agency?

5 ) What type of debt/loan was involved? a ) Conventional loan for real estate b ) Consumer Credit Loan such as a home equity line of credit account ( please state the loan transaction ).

6 ) Did ZIEVE record it 's documents of a substitution of trustee in the County Recorder 's Office, Book and Page indicating the transaction was related to real estate of immovable property?
Consumer complaint received 2017-12-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Army and Air Force Exchange Service (PA)

The organization Army Air Force Exchange Services ( AAFES ) claims I owe them {$250.00}. I have never had any previous credit or debt with AAFES. I have contacted the company many times asking to identify and provide supporting documents. They have failed to provide any information to support the fact that this debt is valid. For non payment they have sent this to a collection agency XXXX XXXX. As of XX/XX/XXXX a letter states that I owed {$250.00}.
Consumer complaint received 2017-12-18
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. (HI)

I have a federal student loan through Navient and my first payment due was on XXXX XXXX, 2017,  with a total due of {$160.00}. I put a payment onXX/XX/XXXX with a total amount of {$210.00} but when I checked my account, I was charged late fees for my loans. On my account, the payment appears to be still processing but why did Navient charge me late fees when I put a payment before my due date.
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

Hello. 
On XX/XX/XXXX, Equifax released the information about the security breach involving over 143 million Americans, including myself. The fact that now my ssn, birthdate, and other sensitive information was compromised is appalling. Now, I have to worry about my identity being stolen because I am applying for mortgages. Steps have to be taken to remedy this and I am deeply angered that the security is so XXXX that all of our information is compromised. I do not pay taxes to worry about this kind of thing.