davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

I have made the following withdrawals from my XXXX  account, and these were indicated to become available on my bank account by XX/XX/XXXX/XX/XX/XXXX, but have not been sent to my bank account ( IBAN : XXXX ) as of yet. 

Similar withdrawals in the past, were always successful, and received within the indicated timeframe. 
I need the funds to be available as soon as possible, and as the total concerns over XXXX USD, I hope you can appreciate the urgency. 

I have tried to contact the company, but to no avail, as there is no response to my submitted ticket ( case # XXXX ), and their helpdesk via phone keeps one in the queue endlessly ( I had to hang up after 1.5 hours yesterday ) I appreciate your help in this! 
Thank you in advance, XXXX XXXX XXXX Withdrawal date : XX/XX/XXXX XXXX EUR Internal reference : XXXX Withdrawal date : XX/XX/XXXX XXXX EUR Internal reference : XXXX  Withdrawal date : XX/XX/XXXX XXXX EUR Internal reference : XXXX Withdrawal date : XX/XX/XXXX XXXX EUR Internal reference : XXXX
Consumer complaint received 2017-05-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (GA)

I found on    XXXX    that  3  payments of  255  were sent to the wrong account. I orignaly setup online payments to go to account nick named   XXXX   XXXX  . I was informed that only  2  payments were sent to this account before the account changed to a  XXXX   XXXX  nick name and the money was going to a different account. The amount is for  XXXX  and I received a credit on  XXXX / XXXX /  XXXX  .  XXXX   XXXX  did not keep me updated on this case and I had to call weekly to get an update. I finally called again on Sunday to find they denied my claim. I was told that they denied it because the issue occurred in the same geographical location I live in and the same  XXXX  address. This is not a valid explanation and I let them know this. I work with IT and know that people can spoof networks and  XXXX  addresses with ease. I asked to be escalated once the agent I was talking to refused to provide me additional details about this case, give me access to my online account ( so I could see the transactions and research my self ) and they refused to help me further. I was escalated to an agent who called himself "  XXXX  ''. "  XXXX  '' refused to give me a last name and claimed it was Chase  XXXX , however every other agent up to that point gave me their full name ... This agent was abusive and rude the entire call.  XXXX  told me it is my fault and that i need to see what my money is doing at all times. This is an interesting statement as I am limited in what I can see. This agent, after berating me for  XXXX  minutes and refusing to help, hung up on me. I have been reasonable and tried to work with  JP   Morgan  Chase but they are refusing to work with me. I spoke to wells fargo who the money went to and they told me the only thing I could do was ask the account holder to look into this on their end with the reference numbers seen below. They did suggest however that I ask Chase to do a  XXXX  on the transfer and that this is somthing  XXXX  does all the time with Chase. When I asked Chase to do this they refused. When I asked to speak to another agent, Chase refused and hung up on me. I fell completely helpless and taken advantage of by this bank. I do not have a lot of money and  XXXX  is a LOT of money to me. Please let me know any information you need that I  may  have forgotten. The claim number for this with  Chase  is :  XXXX .   My name :  XXXX   XXXX   XXXX  Phone :  XXXX  Email :  XXXX  XXXX  XXXX  Below are the transaction dates, amounts, transaction number and reference number for  XXXX   XXXX .    XXXX / XXXX /  XXXX   - {$250.00} online payment  XXXX  To  XXXX   XXXX  :  XXXX   XXXX / XXXX /  XXXX   - {$250.00} online payment  XXXX  To  XXXX   XXXX  :  XXXX   XXXX / XXXX /  XXXX   - {$250.00} online payment  XXXX    XXXX   XXXX   :  XXXX
Consumer complaint received 2017-12-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (FL)

I recently pulled a credit report and saw that National Credit Systems is reporting to be collecting on an alleged debt. After research, according to the Florida office of Financial Regulations, they are not licensed in the state Florida. Their license expired in 2003. Please see the attachment.
Consumer complaint received 2017-12-20
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Rosebud Economic Development Corporation (NJ)

On XXXX XXXX, XXXX, I received a personal loan by XXXX with the amount of XXXX XXXX dollars. Prior to receiving the funds, we agreed on the payment dates taking effect precisely on XXXX XXXX of XXXX. On XXXX XXXX, six days after receiving the loan, XXXX took money from my account, which was never stated on the agreement, with the amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This was a violation of our agreement and created a lot of issues on my end because of the transaction was unauthorized. I saw this on my Bank account and immediately contacted the number that was provided for customer support. However, calling them did not work because upon calling them ; the call continued to disconnect after the third ring. I then emailed them on the same date of XXXX XXXX, that if they do not call me I will pursue legal action against them. An email was sent stating that my message received but I have yet to hear back from them. Do not receive loans from XXXX because not only is their interest shameful but they take your money on dates you wouldnt even expect, especially in the worst case scenarios. On top of this, they are still trying to retrieve more money within the amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX as if they didnt just take that on a day I needed it the most. I want action on this immediately! 

The link to the agreement is posted below. 


XXXX XXXX  XXXX? XXXX & XXXX
Consumer complaint received 2017-12-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

It came again to my attention that PORTFOLIO RECOVERY ASSOCIATES reported in my consumer credit report a alleged debt I do not to them in tha amount of {$4900.00} on XXXX/XXXX/XXXX with account # XXXX .... 
PRA has settled with me out of court in the amount of {$500.00} paid to me about 60 days ago and agreed to remove the account in my consumer credit report as well.
Consumer complaint received 2017-12-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NC)

I pulled my annual credit report from in XXXX of XXXX. I noticed a debt in the name of Fair Collections and Outsourcing listing an account for a previous apartment complex that I used to live in by the name of XXXX XXXX XXXX. I instantly knew the figures listed were inaccurate and the information being reported on my credit report from this account were inaccurate. I contacted them by phone in that same week and requested to have something mailed to me to validate the debt. Nothing was ever received at this point I went ahead and had a third party company XXXX XXXX XXXX dispute the debt on my behalf on XX/XX/XXXX. It was then deleted from my XXXX credit report but nothing was done for XXXX or XXXX. At this point I am still waiting to receive something showing validity of the debt. Back on XX/XX/XXXX I filed another dispute this time directly with XXXX and they claimed it was verified but again nothing was sent to me in writing. This mark on my credit has caused me anxiety and anguish and I have even been rejected additional credit because of this unverified account. Why are they not willing to furnish the proof of this debt?
Consumer complaint received 2017-12-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NY)

I recently filed a complaint with this bureau in reference to a XXXX personal check XXXX check # XXXX {$1200.00} XXXX that was cashed by Wells Fargo bank on XXXX/XXXX/XXXX. It was not cashed by the payee ( rent management office ) or myself. Apparently, the endorsement on the back of the check did not match my signature on the front of the check. My name was printed on the back of the check. I reached out to this bureau to obtain a response from Wells Fargo bank in an effort to receive an explanation and to be reassured that funds would be returned to my account soon. Wells Fargo 's response as of XXXX/XXXX/XXXX was that they could not respond within this portal because they are not authorized to use personally identifiable information. I am interested in finding out specifically what happened on XXXX/XXXX/XXXX and when Wells Fargo will reach out to XXXX. This investigation has already taken 3 months. Wells Fargo was contacted more than two months ago.
Consumer complaint received 2017-12-20
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO. (OR)

XXXX 2007, I signed for a {$260000.00} conventional 30yr. Fixed mortgage with WAMU. During the poorly executed take over by Chase my requests for a loan modification were continually lost & I was routinely disconnected after hours on hold & unable to get any knowledge representative to assist me with keeping my home from foreclosure. 

Long story short, House was foreclosed. I fought the entire way and a judge eventually ruled in my favor and Chase finally processed my paperwork and my " making home affordable '' modification happened. Chase figured out a way to get around the judges order of no fees or added costs were to be placed on me. So instead, Chase added on {$58000.00} in Corporate Advance charges. 

Now after paying 10 years on my Mortgage my Payment is {$200.00} higher per month than the loan I agreed to and my payoff is XXXX!!!
Consumer complaint received 2017-12-20
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: TD BANK US HOLDING COMPANY (TX)

XXXX client, XXXX XXXX is a victim of identity theft. He was notified by TD bank of a fraudulent application submitted with his information without his consent. That application resulted in an inquiry into his XXXX  credit report XX/XX/XXXX that he did not authorize. A formal dispute of this was mailed to TD bank XX/XX/XXXX however as of this date TD bank has failed to report the status of the dispute/investigation results to either this office or our client.
Consumer complaint received 2017-12-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (NE)

My current home loan is at 74.4 % LTV, I have requested that PHH Mortgage drop the PMI on my loan. This should have been done automatically when I hit 78 % or below. They are refusing to drop the PMI because I had one delinquent payment in the past year 5 months ago. The loan is current and has been current since. Requirements state that they have to drop PMI automatically once the loan is below 78 % and is current. PHH is refusing to comply with this requirement. I have requested this by phone and in writing, and they refuse to comply with my request.
Consumer complaint received 2017-12-20
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: AMERICAN ADVISORS GROUP (OH)

After the XXXX of my father I received through title my dad 's home and it had a reverse mortgage the company I dealt with never fully explained the process. I have applied to the sameCompany twice for reverse mortgage once approved then secondly told that if I did not have a bridge amount of {$XXXX} I could not close the loan. Likewise I found a XXXX XXXX bankruptcy in this XXXX XXXX of Ohio and the company keeps coming up with objections because the original reverse mortgage was not my debt but that of my fathers. My bankruptcy attorney is working diligently to come up with some pleas ... but the reverse mortgage holder refuses to even consider any bargains so it looks like foreclosure is in my near future are there any laws they can help me obtain my dad 's reverse mortgage. Even with a XXXX XXXX bankruptcy I could pay off the debt is 5 years at 100 % it 's unheard of with this company and I need help thanks for your time and effort.
Consumer complaint received 2017-12-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Young America Holdings, LLC (GA)

This complaint deals specifically with false and abusive practices by XXXX XXXX ' rebate process, which is handled by a company called " Young America , LLC. '' My rebate was submitted XXXX XXXX ( see screenshots ). Even though the confirmation says " allow up to 8 weeks from submission to receive your rebate '' it 's been almost 18 weeks at this point. I 've called them half a dozen times ( typically every 2 weeks ) but I 'm told that the representative ca n't do anything to help and that I should 'just wait another 2 weeks. All of this, despite multiple reps stating very clearly that I had submitted everything correctly with all required documentation and one representative even stating that a check will be sent out and I would receive it within 5-7 business days. They have neglected to call me back when promised and have yet to make good on the original terms of the rebate agreements. I feel I 'm at a loss as to what to do about this. It 's unfair, it 's deceptive, and it 's abusive. I 've spent hours on the phone with them for something I should have received months ago.
Consumer complaint received 2017-12-20
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (GA)

Someone stole my identity and applied to serval apartments and now all these apartments I calling saying I owe fee for apartments searches that I never even applied for. The person who stole my identity started applying for apartments XX/XX/XXXX. I purchased a house in XX/XX/XXXX. I have no need for an apartment. So any apartments that say Ive applied for them are results of identity theft.
Consumer complaint received 2017-12-20
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (GA)

XXXX XXXX XXXX XXXX XXXX I received a letter in the mail saying I owe XXXX for an apartment Ive never stayed in or rented. They said I live in a apartment in XXXX ga from XXXX XXXX til end of XXXX! When I purchased a home in XXXX XXXX. I went to apartment complex and the lady also Stayed I was not who. She rented to and I submitted my information to them and they refused to remove it off my credit report and I have debt collection calling for this bill!
Consumer complaint received 2017-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have several inquiries on my credit report with both XXXX and Transunion that i did not authorize. I have sent letters to them and faxes disputing these inquiries and was told to contact the companies. When I called the companies they told me that it was up to the credit bureause to remove the unauthorized inquiries. I then contacted the credit bureaus again and then was sent a letter from both of them stating the same thing which is ( Please note your specific consent to the release of your credit information is not necessary for a permissable purpose to exist. ) These are hard inquiries which lower my credit score. And if I dont have to give my permission then why are inquiries even a contribution to any part of a credit score. I did not authorize any of the inquiries listed below.

XXXX : XXXX XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX & XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX.

Transunion : XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX I did not authorize  these inquiries with any of the above listed companies on or around these dates. 
Thank You for your time.
Consumer complaint received 2017-12-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TD BANK US HOLDING COMPANY (IL)

I obtained a used car loan with TD Auto Finance and was a cosigner for my husband. He became XXXX and could not work anymore, so we asked TD Auto to consider lowering the payments or any other financial assistance for the hardship. They advised that there were n't any options available and the only thing we could do is refinance, which was not an option due to behind payments. At that time we agreed to voluntarily surrender the vehicle. Few months later received a large {$19000.00} bill for the deficiency balance and letters from their attorneys. This company charged very high interest rate on the car loan and were not considerate of the financial hardship.
Consumer complaint received 2017-12-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC (IN)

I have three accounts in my name with XXXX XXXX. One was paid off they agreed for it to be removed from my credit but they only did it with one credit bureau at the begging of the year. After disputing this account a few weeks ago they refused to remove it with at least one credit bureau the other one Im waiting on a response. The other account of approximately {$88.00} they claim they have send me a notice but I never saw it. I asked for them to resend it but they will not send it. I asked for contact information for the original creditor they wont give it to me. I have called the hospital and Their billing office does not have any records of that bill. As for the other account of approximately {$45.00} I have no dependents or kids and I never agreed to pay for any medical bills at the hospital. But they still harass me for it. I feel like because I have been constantly calling to get these things resolved they have blacklisted me that is why they are making sure that the medical bill that was paid off stays on my credit. They make me feel bad for not being in a position to pay for it. And they refuse to have me talk to someone above them. They actually hang up on me just because I wont accept the fact that they will not provide me the information I need. I have emailed them but have not gotten a response. They tell me we did not get return mail on the new {$88.00} bill so that means you received it. I feel like at this point they are just acting on their emotions and trying to ruin my credit just because they do not like me calling them and asking questions. They promised me on phone calls that the paid off bill will be deleted but they only did it through XXXX. And now I feel that because i keep calling and asking they are just not going to do it. I feel that they are being spiteful and just because they know they can ruin my credit they will do whatever it takes. At this point I know they are just waiting for the 120 days to be up so they can put it on my credit as a charge off. And the longer I wait for them to talk to me the more Im running out of time. I can not wait anymore for a response I would like to get things resolved.
Consumer complaint received 2017-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Specialized Loan Servicing Holdings LLC (GA)

XXXX XXXX # XXXX. 

SLS has admitted their error. Why do they need an additional 60 days to correct my credit report when they have admitted their error, and after admitting the error, reported me late to the credit bureaus. 

SLS is refusing to comply with the Fair Credit Reporting Act. They do not need 60 days to contact the 3 credit reporting agencies. A fax or an email takes 2 minutes. They are stalling, have poor business practices, and are refusing to comply with the Fair Credit Reporting Act. 

What are you going to do about this company?
Consumer complaint received 2017-12-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Solomon and Solomon, P.C. (CT)

Solomon & Solomon are attempting to collect a debt in which I 've asked for documents that I still have not received. I 've asked for them to show me that they are licensed in my state to collect a debt. I 've also asked them to send me documentation that shows that I owe them for the debt they allege that I owe to them even though I have never done business with them. I 've asked for them to send me the assignment of the debt to prove that they are the ones to pay any debt they claim I owe. I want to see payment history on this account to prove that the amount they say I owe is correct. I have not received this to this day even though these are my rights according to the FDCPA.
Consumer complaint received 2017-12-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

We first fell behind on our mortgage payments when my husband became XXXX and could not work anymore. We had a substantial loss of income in the household. I have applied for home retention options with Select Portfolio servicing several times and they would automatically deny us for loan modification after us submitting hardship letter and the new income. The only option they were willing to offer us was a repayment plan with an unreasonable monthly payment of {$6500.00} which our family can not afford and I have communicated this to them many times. SPS is now taking this to foreclosure court stating that they have tried to offer us a reasonable workout, which they have not. The LTV on the property is at about 40 % and they are not taking into consieration our hardship.
Consumer complaint received 2017-12-20
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: Westlake Services, LLC (TX)

On XX/XX/XXXX Westlake financial received a payment and then showed up to repossess our vehicle after the payment was made. I was told that they would be taking care of the repossession and fees. Later, they put a rendered repo on my credit. I called the company for a year and finally talked to their head of legal. He informed me it would be taken care of. I then received an email stating that they would be removing the repo from mine and my husbands credit and it would be complete by XX/XX/XXXX. It still remains. I have sent multiple letters, called the company MANY times, sent letters to the credit bureaus and called the credit bureaus and still nothing has been done.