davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (IL)

Hi, My name is XXXX XXXX I have been trying to reach out to US BANK HOME MTG concerning my account I had refinanced a while back. In which they have added a late payment to my mortgage in which was never late there was refinance, payment issue going on in which they marked late payments on my credit report in which ultimately is severely hurting my credit. I have reached out to this company in which for a few months to no avail in which they haven't reached back out. I am asking the CFPB help with this issue to get this fixed, please see the attached documentation down below.
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Someone has been using my information to apply for EVERYTHING you can think of I need EVERYTHING removed immediately I have already disputed with XXXX, now I need XXXX to do what they need to do this is becoming a headache
Consumer complaint received 2022-09-30
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: DISCOVER BANK (NY)

n accordance with the Fair Credit Reporting act XXXX Account name XXXX XXXX XXXX, ACCOUNT # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-01-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (VA)

On XX/XX/XXXX I initiated a withdrawal of XXXX BTC out of my BTC Vault ( held in " cold storage '' by Coinbase.com ) to my BTC Wallet. This requires " multi-factor authentication '' that requires me to initiate the withdrawal after logging into my account, to confirm via an SMS code, clicking through an authentication link on my personal email, and clicking through an authentication link on my work email address. Due to me no longer being employed with my current firm, I no longer have access to work email address. Coinbase.com does not allow for the secondary email to be changed. 

After XXXX emails and a number of support tickets through XX/XX/XXXX, submitted by me to Coinbase, Coinbase has not responded with the exception of automated emails. The automated emails do not provide resolution and are redundant.
Consumer complaint received 2018-01-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (TX)

I 'm sorry to say I don ; t have the exact date I purchased a wireless home phone from XXXX but it was in 2016. It came with a 14 day return policy no questions ask, so, because of low quality performance on the equipment I decided to return it within 7 days, remember I had 14 days to return it. So I took it in to the XXXX store here in XXXX, tx only to here them say I would owe a restock fee, that 's strange because at the time I made the purchase the sales person never once mention a restock fee, I informed them of this fact but they insisted that I owed the restock fee. The said it was in the paper work but they neglected to inform me of this. They became rude and started calling me trying to collect this restock fee but I refused because of their neglect to inform me. 
So now XXXX has turned it over to a company called Convergent XXXX XXXX the account number is .... 
XXXX I had already been in the hospital with a XXXX issue going on and did n't need this kind of non sense. Now they ( Convergent ) has reported this to XXXX  FICO 8 score further damaging my report. I want this non sense removed from my report. 
Thank you in advance for your help, I have herd you guys are great with helping people resolve issues. 
Thanks XXXX
Consumer complaint received 2018-01-09
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Professional Finance Company, Inc. (CO)

I was served on XXXX XXXX under deceptive and adusive tactics. I filed a counterclaim with the court and fought very hard to get to mediation however my counterclaim was dismissed before ever getting to argue my complaint. I believe I have a right to know either the name of the server or the company they work for. The plantiff directed me to the Register of Actions with the Court however that info was missing. I have been under extreme mental stress from this bankruptcy and have recently started new medication for XXXX specifically because of my financial situation. 
Case number XXXX
Consumer complaint received 2018-01-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Hello, I am the Sole and only beneficiary of an XX/XX/XXXX irrevocable court crated trust for an incapacitated minor, created with funds awarded from settlement / finial judgment in Case XXXX in the XXXX Judicial XXXX XXXX XXXX XXXX XXXX XXXX Texas in XX/XX/XXXX. 

In XX/XX/XXXX ( XX/XX/XXXX ) XXXX XXXX/ Bank of America was court appointed sole trustee of a court crated incapacitated minor irrevocable trust. XXXX XXXX/ Bank of America Sole Trustee received specific trust investment options ( stocks, annuities, mutual funds etc ) to invest irrevocable trust funds. XXXX XXXX Bank of America used trust funds to secure XXXX XXXX Bank of America Life Insurance Policies as trust assets in XX/XX/XXXX. 

In XX/XX/XXXX XXXX XXXX/ Bank of America started placing loans against the irrevocable trust/ trust asset ( s ) to send care distributions for the incapacitated minors care, not sending care distributions from trusts net income and principal per the trust terms/ trust distributions guidelines. 

More than XXXX years later ( XXXX years ) XXXX XXXX Bank of America sales the irrevocable trust asset ( s ) belonging to the incapacitated minor to XXXX XXXX XXXX XXXX XXXX , with current debt on the asset ( s ). In XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX communicates to the sole and only beneficiary of the trust / trust asset ( s ) that he has ordinary income of {$690000.00} to be reported in XX/XX/XXXX to the IRS, which is the loans and loan interest placed on the irrevocable trust starting in XX/XX/XXXX. 

* Irrevocable court crated trust for incapacitated minor with specific distribution terms, from net income and principal ( if income is insufficient ) were violated/ not followed by Sole Trustee- XXXX XXXX Bank of America . 
* The use of loans is/ was not authorized within the irrevocable court crated trust for incapacitated minor, by beneficiary or trustee. 
*Texas Property Code 142.005, which the irrevocable trust was created under specifically voids out trustee lending beneficiary property/ funds from the irrevocable court created trust. 
*Trust asset ( s ) and all income should have been paid-out to the beneficiary free of the irrevocable trust upon termination in XX/XX/XXXX. 
*Assets were sold to XXXX XXXX XXXX XXXX XXXX from XXXX XXXX Bank of America around XX/XX/XXXX according to an employee with XXXX XXXX XXXX XXXX XXXX XXXX 

The above information has been communicated to XXXX XXXX Bank of America for a resolution. Current day only letters of acknowledgment have been sent stating more research is required to address the identified trust matter.
Consumer complaint received 2018-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CIT BANK, NATIONAL ASSOCIATION (NC)

There is a balance showing on my credit report for a mortgage I had with CIT Bank N.A.. This property was sold in XXXX of 2016. The property address is XXXX XXXX XXXX XXXX XXXX NC XXXX The balance showing is {$27000.00} I have made numerous calls to this bank and no one can ever find this loan. I have given them my SS # to try and locate the loan and no one has ever been able to help me.
Consumer complaint received 2018-01-08
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. (TX)

I spoke to an representative at Transunion Credit Reporting and indicated I was a VICTIM of their inquiry issue. 

The representative refused to help me.
Consumer complaint received 2022-05-02
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)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. In XX/XX/XXXX I applied for a XXXX XXXX checking Account and was denied due to checking account fraud provided to XXXX XXXX from XXXX  XXXX XXXX. I contacted XXXX  and I was told that on XX/XX/XXXX a fraudulent transaction was received from XXXX XXXX XXXX XXXX  and credited to bank account # XXXX. XXXX records showed that the transaction was reported as unauthorized and deducted from the account. I have never used this account nor do I have access to it and I do not know anything about this transaction nor is it related to anything I have done or have been a part of. My account with XXXX is different from this one and I have had that account since XXXX. I filed a police report for this incident.
Consumer complaint received 2018-01-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CITIBANK, N.A. (IL)

I purchased a product for a trial period and after that I did not know I would be billed for payments and accessory product monthly. I complained to the company and the issued a return authorization for the product. During this time I informed Citibank of the situation ( XXXX XXXX ). I returned the item in XXXX. Provided Citibank with proof of the return. Citibank issued 2 credits for 2 recent charges, however the merchant charged me 5 times which meant I had 3 additional credits to be issued. I have contacted Citibank at least 5 times by mail, fax, phone and email from another internal department regarding those additional credits in XXXX XXXX. As of this date XXXX/XXXX/XXXX, Citibank has not issued credit. The credit amount is {$160.00}. Their delay has caused a hardship to me. I am not working full time and need that money to pay a mover to get my belongings rearranged in a storage facility because they were packed wrong and I can not get to items that I need for daily use.
Consumer complaint received 2018-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

I REACHED OUT TO THE CREDIT CARD COMPANY XXXX BACK WHEN THE CHARGES SHOWED ON MY STATEMENTS AND LET THEM KNOW THAT THESE CHARGES WERE FRAUD AND I DID NOT AUTHORIZE THEM OR HAVE ANY DEALINGS WITH THESE COMPANIES. AND I DID NOT GET ANY RESPONSE FROM THEM LETTING ME KNOW THE OUTCOME. SO I THEN CALLED WITH A FRIEND OF MINE TO GAIN SOME HELP AND THEY SAID THAT THE CHARGES WERE TOO OLD AND THEY COULDNT HELP ME. I AM XXXX AND HAVE BEEN THROUGH SO MUCH WITH THE CREDIT CARD COMPANY THEY WERE VERY MEAN TO ME TALKING DOWN ON ME AND IM SO  STRESSED OUT ABOUT ALL THIS. I WILL LIST ALL THE TRANSACTIONS THAT WERE MADE ON MY ACCOUNT ; FROM XXXX CREDIT CARD ; XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX-XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX- XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX THIS IS ALL THE CHARGES THAT WERE MADE ON MY ACCOUNT THROUGH THE YEARS OF ALL THE MONEY THAT WAS STOLEN FROM ME TOTAL OF XXXX AND THE CREDIT CARD COMPANY WILL NOT HELP ME WITH NOTHING. THIS IS VERY UPSETTING AND IT MAKES ME SO UPSET HOW THEY TREATED ME AS THERE CLIENT AND NOW THAT IM XXXX THEY TELL ME I FORGOT I DID ALL THIS AND TOLD ME SOMETHING IS WRONG WITH ME AND I NEED TO GO IN A NUSRING HOME. THIS IS JUST NOT RIGHT. PLEASE HELP ME GET ALL MY MONEY BACK THAT WAS TAKEN FROM ME OVER THE YEARS PLEASE.
Consumer complaint received 2018-01-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. (WI)

Hello OnXX/XX/XXXX I initiated a wire transfer to Coinbase.com to from my XXXX bank account. 

The amount of the wire transfer was {$7000.00} to be deposited into my coinbase account within 2 days. On XX/XX/XXXXI received an email saying : " You recently sent a wire to fund your Coinbase or GDAX account for {$7000.00} USD. Unfortunately, we are not able to apply this wire to your account due to a name mismatch and will be returning this wire back to your bank. Please allow us XXXX business days for processing. '' I was very frustrated as the owner names on both accounts are the same and Coinbase prefilled the information I needed to give my financial institution. 

I waited 7 days for this to process and finally contacted them on XX/XX/XXXX as no money was received. They instructed me to go to a certain form which led me right back to where I was in the first place to fill out information ... 

I gave them ALL reference numbers, bank wire numbers, FED reference numbers and they have gone silent. 
This money is very important to me and something I need to rely on. 

Thank you
Consumer complaint received 2018-01-08
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CURO Intermediate Holdings (TN)

On XXXX XXXX, 2018, I received a call from this company. They recited my driver licence 's number and the last 4 of my social. I ask the woman for a debt validation letter, but she claimed they had already a letter to an old address and that they were n't sending anymore letters and the next step is garnishment and doing " something '' to my license. I could n't make out what she threatened to do because she was really belligerent from the start of the conversation, which leads me to believe that that is a tactic they use to get you flustered and intellectually marginalized so you ca n't logically think. The debt she said I owed was {$4000.00} from an unpaid payday loan {$700.00} years ago. This is incorrect because while I 've taken a payday loan before years ago in college, I never took out {$700.00} and I already have a payment arrangement set up with another debt collect. The caller was highly uncouth and disrespectful. I believe they might be trying to scam me. She said her name was XXXX XXXX
Consumer complaint received 2018-01-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BBVA FINANCIAL CORPORATION (WA)

On XXXX XXXX, 2017, I noticed XXXX unauthorized charges on my checking account as follows : {$50.00} at XXXX {$110.00} at XXXX XXXX {$110.00} at XXXX Shoes I did not recognize any of these charges and immediately contacted my bank and requested my card to be blocked and replaced. My bank indicated they would investigate the charges. 

At some point between XX/XX/XXXX-XX/XX/XXXX the charge of {$110.00} disappeared ( or " fell off '' ). 

At my request, my bank issued a provisional credit of {$160.00} to cover the {$50.00} XXXX charge and ( erroneously ), the {$110.00} XXXX XXXX charge. At the time, I did not notice that they credited me for the charge that had fallen off ( {$110.00} ), rather than the one that stayed ( {$110.00} ). 

I received a reply from my bank this morning stating that they had concluded in their investigation that they determined the XXXX charge was valid and the {$50.00} provisional credit would be reversed. They also stated that the XXXX XXXX charge of {$110.00} had fallen off, so that credit would also be reversed. There was no mention of the {$110.00} charge that remains on my account. I do not know if this charge was investigated or not. 

My bank is XXXX XXXX ( XXXX ) XXXX www.simple.com The length of time this entire investigation took as well as the mistakes made by simple are very concerning and could be costly to me if not resolved.
Consumer complaint received 2018-01-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NY)

I wired {$37000.00} to my account at XXXX ( Coinbase ) on XXXX/XXXX/XXXX. The fund was confirmed and received by their bank, XXXX XXXX, on XXXX/XXXX/XXXX. However, it still has not been posted to my account as of today, XXXX XXXX, XXXX. Many inquires into their support channels produced no real responses. Case detail is as follow : Amount {$37000.00} XXXX : XXXX Account ID : XXXXXXXXXXXX
Consumer complaint received 2022-05-02
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: SYNCHRONY FINANCIAL (NY)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IA)

I reached out to the company " XXXX XXXX XXXX '' for information regarding a vehicle loan for the XXXX  XXXX XXXX that is reporting on my credit report as charged-off. XXXX advised that they could not provide any information, that I would need to contact the company collecting on the debt, which is XXXX XXXX, however, this debt is still reporting under " XXXX XXXX XXXX. '' I reached out to XXXX Acquisitions multiple times to request verification documents for the debt and was told I was not listed as the owner of this debt, but the primary applicant of the car loan was.
Consumer complaint received 2018-01-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (OH)

XX/XX/XXXX-I received a letter in the mail that RPM ( Receivables Performance Management LLC ) is trying to collect a debt from XX/XX/XXXX, for XXXX XXXX saying I owe {$120.00}. I have never had an account with XXXX XXXX and this is the first I heard that I owe money for a XXXX XXXX account, I have never received anything from XXXX XXXX saying I owe them money ... .I think this company RPM is a FRAUD/SCAM!! I called RPM at XXXX, I spoke with a guy that eventually hung up on me, then I called back, got hung up on again, called back got a different lady that could barely speak English ( or so I thought ) until I said, " I 'm sorry can I speak with someone else I ca n't understand you '', suddenly she started speaking plain English!! then I am transferred to a so called manager, I opened a dispute with them and gave them my email address and telephone number ( which they got by caller ID ) - I am freaking out because I know this is a scam!! I then called XXXX XXXX XXXX they checked my name and address and said I do not owe them anything. The lady tried to connect me to XXXX disputes XXXX ; she said they have heard of this from several people. ***I know XXXX had a breach of information just a couple of months ago****
Consumer complaint received 2022-07-09
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL (MS)

My credit score dropped XXXX points ( XXXX down to XXXX XXXX ) due to my Amazon credit card. I purchased an {$800.00} air conditioner to be paid off over the course of 12 months interest free. The shipping company could not get me the AC in a timely manner, so I cancelled the order and was refunded the full amount back the credit card. XXXX XXXX says the score dropped because I spent too much money on the card. This does not take into account what the item was or even that the amount was refunded. This is outrageous. I didn't buy {$800.00} worth of candy bars and shoes. 

I purchased this item XX/XX/2022.
Consumer complaint received 2018-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (LA)

I recently placed a fraud alert on my credit report because I was the victim of identity theft. The account does not have my name or third generation attached. How was this account opened? The following account XXXX XXXX XXXX XXXX was opened fraudulently on XXXX/XXXX/2016. I have filed an affidavit with the local police department and sent copies of it to the credit bureaus. I also reported the issue to XXXX XXXX XXXX XXXX. Although, the company has not responded. I expect that it will be resolved quickly.