davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-06
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. (CA)

XXXX XXXX Bank is reporting account that I do n't recognize. Acount number that they are reporting is XXXX. I have sent letters to Equifax, XXXX and XXXX XXXX asking them to delete this account from my report becouse it is serious violation of section 609 of the Fair Reporting Act. None of the bureau did not delete this item and it is seriously hurting my Credit!
Consumer complaint received 2018-01-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CT)

On XX/XX/XXXX, I transferred about XXXX Bitcoin cash ( BCH ) from my another account to XXXX. At XXXX XX/XX/XXXX, Coinbase showed that transfer has been completed from Coinbase to XXXX. However, till now (XX/XX/XXXX ), XXXX has n't show the XXXXBch. 

I have submitted the ticket and the guy just keep telling me they are working on that but there is zero update.. and the attitude was terrible. I lost XXXXBCH now/ ( Worth about $ 30K!!!! )
Consumer complaint received 2018-01-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (MA)

To whom it may concern, My name is XXXX XXXX ( XXXX ) and I am writing in regards to an issue I have pending with a company called Coinbase ( A crypto currency investment platform ). 

In short, my account, which contained only cash at the time, has been emptied of approximately {$6700.00}. It appears to me as though the account was emptied, deleted and reopened using the same login credentials. I say this as my money, transaction history and all external account links have been deleted. The site makes it appear as though I just joined which is not the case. I have the original emails from Coinbase from when these ( now missing ) transactions had occurred. These transactions include, joining Coinbase, ID and photo verification, purchasing coins, and transferring some coin ( only the BTC ) out of Coinbase. 

The details : I joined Coinbase in XX/XX/XXXX. 
I funded Coinbase originally with {$5000.00} in XX/XX/XXXX. 
I bought XXXX ( XXXX ) Etherium ( ETH ). 
I bought XXXX ( XXXX ) litecoin ( LTC ). 
I bought ~XXXX Bitcoin ( BTC ). 
-All purchases in XX/XX/XXXX. 
I transferred the ~XXXX BTC into a different crypto wallet to execute trades not available within the Coinbase platform, but left the ETH and LTC in Coinbase . 
During this time I was monitoring Coinbase using their app. I had not logged into their site on my laptop for several months. 
On XX/XX/XXXX I sold all of my ( XXXX ) ETH and ( XXXX ) LTC via the Coinbase app resulting in ~ {$6700.00} being deposited into my Coinbase USD wallet as confirmed via the Coinbase app. I did not receive a confirmation email for this transaction from Coinbase although the money could be seen in the USD wallet on the Coinbase app. 
On XX/XX/XXXX I attempted to withdraw my money from Coinbase via their app and send it back to the institution I originally used to fund my Coinbase account ( XXXX XXXX ). The app indicated that I needed to login to the website to complete the transaction. When I logged into the Coinbase site using the same credentials, it began asking for new joiner type information as if I had just signed up ( not the case ). This is when I noticed that the USD wallet indicated a balance of {$0.00} and there was no transaction history to be found on this +6 month old account. 
At this moment, the app was still indicating the correct amount of money, {$6700.00} in my Coinbase USD wallet. 
Next, I logged out of the app and logged back in it. The app now matched the online site with {$0.00} balance, no bank links, and no transaction history. It appears as though I have been scammed. 

I have contacted Coinbase customer service to request their assistance but have not received a reply. I know this is not a huge sum, but it is a lot to me and it is mine. 

If there is anything that you could do to get Coinbase to look into my issue I would be extremely grateful. 

Thank you. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: STATE FARM BANK, FSB (MO)

I sent the following letter over a month ago and got no response. 

From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/17 To : STATE FARM BANK ATTN : CEDIT REPORTING XXXX XXXX XXXX XXXX, IL XXXX In regards to : UNFINISHED BUSINESS XXXX XXXX XXXX non-adverse, non-belligerent, non-combatant party, secure creditor with power of attorney general, Executor on behalf of the XXXX XXXX XXXX, is in possession of your recent voluntary submission of evidentiary documents. 

STATE FARM BANK, must herein provide a true and certified copy of the complete audit trail of said account. furthermore, in order for STATE FARM BANK to validate the debt, please provide verification through audit certification of debt entry in accordance with g.a.a.p., i.f.r.s., in accordance with basel 3 accord and u.n.c.i.t.r.a.l. conventions. I would also need a copy of your Tax Registration certificate and the original document showing my hand written signature! 

Failure to substantiate the claim, please settle account immediately within the next thirty days. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2018-01-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (TX)

This is a formal complaint against Transworld Systems ( TS ) for violating the conditions of the Fair Debt Collection Practices Act ( FDCPA ). Specifically, the FDCPA requires every collector to send a written validation notice stating how much money is owed within five days after first contact. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you dont think you owe the money. Although I noticed on my phone that I had been called by Transworld Systems ( but never talked to anyone ), this attempt to communicate serves as first contact. However, I did NOT at any time receive a written validation notice from TS within five days, as the FDCPA requires. 

In addition, and although I questioned the validity of this debt from an ER doctor out of network for XXXX, I had made a significant payment as recently as XX/XX/2017 ( after my SS check was directly deposited ), which was before Transworld Systems became involved. Within the last several days, and being in violation of the FDCPA, TS wrongfully turned over this small debt ( {$130.00} ) to the credit agencies, creating unnecessary havoc where none should have occurred.
Consumer complaint received 2018-01-06
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. (NJ)

A flight was purchased on XXXX/XXXX/XXXX for a trip to XXXX XXXX, XXXX for XXXX XXXX, XXXX flying on XXXX XXXX purchased through JP Morgan Chase XXXX XXXX XXXX website with my Chase XXXX XXXX credit card for {$680.00}. The airline entered into a pilot strike one week before the flight. As a result of the pilot strike the flight was canceled, I purchased another flight from an alternative airline ( XXXX XXXX ) for the same dates through Chase benefits and requested a refund from Chase. I was forced to open a claim rather than recieve the funds from the canceled flight, they want paperwork from an airline that will not return my calls, I have told Chase time and time again they ( XXXX XXXX ) do not even pick up the phone. The flight was canceled in XXXX XXXX and it is now XXXX XXXX, I have yet to recieve any type of credit from JP Morgan Chase. Several individuals, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, as well as several others have received their refunds from their respective Credit Cards by submitting claims with their CC or by filing a claim with the CFPB. I keep getting the run around from Chase XXXX XXXX, their site specifically says that i am eligible for a refund as a result of the pilots strike, but they refuse to process my claim.
Consumer complaint received 2018-01-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (NY)

My husband and I took out a 15 year Home Equity Loan with CITIbank in XXXX of XXXX for {$55000.00} with a fixed rate of 6.379 % and no closing costs. In discussing the loan with the branch representative, we clearly stated that our intent was to consolidate a few bills. We also made it clear that our intent was to pay off the loan early and part of the plan to do so included doubling the required monthly payments. With that in mind we asked the representative if there were any penalties for paying off the loan early. We were clearly told no, there were no prepayment penalties, however, it was made clear to us that doubling the payment in one month does not change the amount of the monthly payment. In addition to our discussion with the representative, in reviewing the Closing Disclosure it was clearly printed in bold letters in response to a question on the form - " Does the loan have these features? '' - Prepayment Penalty - NO Fast forward to XXXX, XXXX and we contact CITIbank to get the the payoff amount of the loan and we were informed that the payoff amount includes an Early Closure Release Fee in the amount of {$1400.00}. In response to questioning the fee, we were told to refer to page 1 of the Home Equity Loan Note which makes a distinction between a partial prepayment and a full prepayment. It further states that we are subject -- not to a prepayment penalty --, but to a Early Closure Release Fee, if a full prepayment is made during the first 36 months of the loan. 

Based on our intent and purpose in discussing the loan thoroughly with the representative and relying on the disclosure statement, we feel the bank was intentionally deceptive in the discussion and documentation of the terms for the loan. At the end of the day, it is our opinion that the Early Closure Release Fee is the same thing as a Prepayment Penalty. Also, if the bank makes a distinction between partial and full prepayment, that distinction should be made clear in the Closing Disclosure. This practice is clearly and intentionally deceptive.

The Early Closure Release Fee is nothing more than a Prepayment Penalty and/or a way for the bank to, after the agreement, attach closing costs to the loan. 

We made a good faith effort to enter into a fair agreement, but did not read every line of the fine print.
Consumer complaint received 2018-01-06
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NC)

After graduating I looked for options on how to consolidate my Student loans. I was able to do this with all outstanding loans except Navient. I was told it could not be consolidated with Government loans. My record during the entire process was always to pay the interest only during school after graduation I along with my mom we tried to position all of my loans into a affordable position. When we originally borrowed this money we told that after 2 years of favorable repayment that the co signer could be removed only for this to be a lie. 
Last year 2016 my mother sent in a cfpb complaint only to be told it had to come from the borrower. But now it is ok to harass her now without my approval.
Consumer complaint received 2018-01-06
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 (CA)

hi my credit card company charges 2 time interest every month 1 they take from my credit cart automatic.other one i have to pay minimum payment every month, XXXX/XXXX/XXXX they took XXXX INTERESTCHARGE ON PURCHASES {$190.00} this amount they took from my credit card, and i paid monthly minimum amount.they do not have to take 2 time interest please help me
Consumer complaint received 2018-01-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Duncan Solutions, lnc. (VA)

I contacted the XXXX XXXX XXXX Bridge tolls on XX/XX/XXXX to confirm the balance that I needed to pay in order to be able to have the DMV hold released. They advised me that all I needed to pay was {$250.00}. When I called back on XX/XX/XXXX to make the payment they confirmed the same amount of {$250.00} which is the amount that was paid. They advised me they do not issue any receipts and the only thing they could do was provide me with a verbal confirmation of payment. On both calls I was advised that I had other accounts with them however they did not have a DMV hold and the XXXX was all I needed to pay to release the hold. I contacted them again on XX/XX/XXXX to see why the hold had not been taken off they told me I need to pay an additional {$600.00} to have the hold release. I requested a supervisor ( XXXX ) who told me my balance was {$700.00} in order to release the hold. No statement has been provided for either of the amounts. The toll only cost {$1.00} each trip they told me I had a total of 7 trips so I do n't understand how my 7 trips can equate to XXXX XXXX dollars. I have left message for a manager by the name of XXXX XXXX who has yet to return any of my phone call.
Consumer complaint received 2018-01-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (PA)

On XXXX/XXXX/XXXX, I did a wire transfer of {$5600.00} to Coinbase Inc to fund my Coinbase account. The fund is supposed to use for purchasing crypto currency. However, when Coinbase received my fund, they blocked my buy/sell/withdraw options and said that I need to verify my identity AGAIN. I already verified my bank, my identity and made some transactions previously. Now suddenly they asked me to verify again. Their ID verification system did not work. I submit multiple requests and call them multiple times. They never respond to my request tickets and said could not help through customer service on the phone. It only takes them to 2 minutes to verify my identity but they does not respond. Due to their delay, I could not use my fund to invest and lost thousands of dollar. My case number on their support system is : XXXX
Consumer complaint received 2018-01-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Cash Express, LLC (TN)

On or around XXXX XXXX, I received an installment loan from Cash Express , LLC under the Tennessee Flexible Credit Act ( " the Act '' ). Accordingly, I received a periodic statement from Cash Express , LLC stating I owed around {$110.00}. Accordingly, I sent the statement and " paid-in-full '' and " accord-and-satisfaction '' check to Cash Express , LLC 's headquarters located in XXXX, TN around XXXX XXXX. Accordingly, I later received another periodic statement on XXXX XXXX, XXXX stating I owed around {$830.00}.
Consumer complaint received 2018-01-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

On XX/XX/17 I sent .XXXX BTC from my XXXX account to my XXXX account. It was completed on XXXX part and sent to XXXX/Coinbase. My Coinbase account said that they received the BTC and supposedly sent it to my XXXX account. It even says that its completed. However, on my XXXX account I have no BTC and no history of the transaction. And there is nothing nothing on Coinbase either. I have tried messaging every day for the past week and have received no reply from them even acknowledging the situation.
Consumer complaint received 2018-01-07
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMCOL Systems, Inc. (DE)

Entered into an agreement to pay amount owed with AMCOL systems for two accounts. One was with XXXX XXXX XXXX for XXXX and the other with XXXX XXXX XXXX for XXXX. They automatically withdrew funds from my bank account on XXXX, XXXX and XXXX for XXXX each time. They did not withdraw the last XXXX from my account and then they reported it to the credit bureau agencies as me being delinquent. I feel that is very unfair as I was making payments, as arranged and they failed to withdraw the funds. This is not my fault.
Consumer complaint received 2018-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (OH)

I have four Fed Tax Liens listed on my XXXX  credit report. I have copies of all four tax lines and none of them have my birthday listed or my full social security number. They were filed in the wrong county also. I reported a dispute with XXXX and was reported the information was accurate. I do not know how they see this as accurate without the required information.
Consumer complaint received 2018-01-06
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: EQUIFAX, INC. (WA)

I went online to view my credit report for XXXX  and Equifax and it keeps saying every year I have to mail in stuff when I never got to see the information on report
Consumer complaint received 2017-06-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: KEYCORP (OH)

I am attempting to use a third party app called " XXXX XXXX '' that loans you money from you next paycheck without fees! However my financial institute " Key Bank '' does n't convey my transactions to " active hours '' in a timely manner. I have attempted to contact key bank through phone and social media to no avail. If " key Bank '' would just release my transactions history to this one app, I would be ecstatic.
Consumer complaint received 2018-01-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

At XXXX pm - XXXX XXXX, XXXX I have done a deposit from an external crypto exchange ( Binance ) of XXXX Litecoins to XXXX ( company of Coinbase ), but those crypto currencies are n't arrived in Coinbase as the notification promised.I received thoug an notification that the deposit was received at Coinbase and also that it was forwarded to XXXX. After that I received an mail that the last stap ( automatically forwarding to XXXX ) went succesfull but I had to transfer it manually from Coinbase to XXXX. But this wasnt possible! 

XXXX XXXX I have filed immediately an ticket to support of XXXX, telling the whole situation and asking for immediate solution, this didnt help. Case number is XXXX. 

I called the support line of Coinbase and they basically even didnt know how XXXX worked and they could tell me more then saying that they would it escalate to an XXXX specialist. I received an confirmation of this. 

So I am now 8 days waiting for those XXXX 's, but still did n't arrive. As a day trader this is my job and bread. I lost many trade possibilities and indirectly make losses because of this situation.
Consumer complaint received 2018-01-06
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. (FL)

I was pulling my credit to looking into buying a home this year and I seen that there was quite a few unauthorized accounts on my XXXX XXXX, Equifax, XXXX reports. I have not access my credit file since XX/XX/XXXX or XX/XX/XXXX and it seem as if someone use my personal information to access utilities and cable bills. I do not recognize these accounts that are listed on my credit file XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX ... I no longer live at the follow addresses I have been the victim of ID Theft so please remove the following address : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2018-01-06
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: JPMORGAN CHASE & CO. (CA)

1-On XX/XX/XXXX i opened a bank account with Chase Bank 2-As i was managing my account on line a pop up appeared suggesting i apply for a credit card with chase.

3- The pop up made it clear that my application will not affect my credit score ( i am attaching their pages as it appears and as it prints out attachments A1 and A2 ). Which implicitly meant hard inquiry will not appear on my credit report ) 4- Immediately my XXXX monitor reported that i had made a hard inquiry and that my score dropped 4 points due to this inquiry.

5- I immediately sent chase and email explaining them the situation and asking them to remove the hard inquiry. they answered in 2 days saying they ca n't do it and i have to contact another department 6- I sent chase a letter on XX/XX/XXXX about the issue requesting them to delete that hard inquiry ( see attachment A3 ... ). they answered with a letter to send more information about the issue. 
7- I sent a letter to XXXX on XX/XX/XXXX ( A4.. ) of the incident and other incidents asking them to delete that hard inquiry especially that my written and or verbal consent is required as per the stipulations of the law.

8-Received letter from XXXX that though companies do not have my written or verbal consent they still can report a hard inquiry and i should object with your office. 
9- I sent chase second letter attachment A5 ) with more info.

10- Chase sent letter ( attachment A6 ) refusing to remove the inquiry.