davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-15
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Forster & Garbus LLP (NY)

I took out a loan from XXXX XXXX XXXX in XX/XX/XXXX and graduated in XX/XX/XXXX. A few years later the debt was sold to Forster and Garbus LLP for being in default. After they threatened to sue me and garnish my wages we came to an agreement and I have been paying {$170.00} per month for about 2 years now every month ON TIME. It is now XX/XX/XXXX and I have not received a XXXX form for the interest that I am owed. The law firm says I must contact XXXX XXXX for this but I have tried several times and left messages and no one has responded. I immediately request a XX/XX/XXXX XXXX.
Consumer complaint received 2017-06-15
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

I got a Best Buy store credit card back in  XXXX , and recently, it has come to my attention that  Citibank  has been fraudulently and unlawfully enriching themselves by charging me monthly " debt protection '' fees under the name of  XXXX   XXXX   XXXX , and   XXXX   XXXX   XXXX   and other possible aliases they 've deceptively been using to swindle money from their consumers. I never agreed to or was aware of this fee. In  XXXX , the CFPB found  Citibank  guilty of this exact same claim. As a result  Citibank  had to pay millions of dollars in penalties/refunds to the customers of Citibank as well as to the bureau ; however, I was not  one  of those customers who received a refund. Since  XXXX ,  Citibank   (  Best Buy store credit card ) has been consistently charging monthly fees to my account. My most recent statement being from  XXXX   XXXX ,  XXXX  still continues to show this fee, in the amount of {$22.00} as " enhdebtprot ''. The attached documents show the fee dates back to  XXXX   XXXX . This is the earliest statement available to me on Best Buy 's credit site. I called  Citibank  Customer Service department on  XXXX   XXXX ,  XXXX  and asked for my statements dated before  XXXX   XXXX  ; although, they notified me, it would take up to a month to receive those. The past few years, I have opted for paperless statements, as well as singed up for an automatic payment plan, therefore, I do not have access to previous statements other than what is listed online.
Consumer complaint received 2019-07-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (WA)

On XX/XX/2019 I login to my coinbase account ( https : //www.coinbase.com ) and I notice it says " Account is restricted '' I can not send or sell or withdraw my funds ( money ). It says to contact support and submit a ticket I did that but when I went to support page my ticket is nowhere to be found. I called there support number a few times +XXXX  XXXX XXXX ( US/Intl ) and I get a automated responses to submit a support ticket, each option i choose i get the same response I can not talk to a real person. I have also XXXX on XXXX  to coinbase support about my issue with no response. 

My Coinbase support case # XXXX I was looking online around different fourms and told the best way to get a response from coinbase is to file a complain - " Don't waste your time trying anything else. Immediately file a complaint with the CFPB. It is the ONLY way they will pay any attention to you. There are countless posts just like this and that has been the only solution that works. I was stuck for months, filed a complaint and received help the next day. Takes 5 min https : //www.consumerfinance.gov/ It is ridiculous you have to do this, but despite all the hype, Coinbase continues to be inept at some of the most basic fiduciary responsibilities. ''
Consumer complaint received 2019-07-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

To whom it XXXX concern, I am writing to report a fraud of {$2600.00} by a woman named XXXX XXXX. I had posted a post on XXXX XXXX page and for sale page about a housing post that I was putting my room on rent. This woman who messaged me asking to rent my place, she said that she would pay XXXX upfront and from that XXXX will be for my deposit and the rest XXXX, I had to send it to her movers. She wrote me a check for {$2800.00}, which I attached below. I added it to my account and when I saw the pending balance, I had sent her the money in multiple payments to some guy named XXXX XXXX, who is supposedly her movers. 2 days later when I check my account the check has bounced out and I message her that her check bounced out and tried calling her but she was using a textnow number ( fake number ). The text messages between me and her are in chronological sequence. You can see from my repeated text I sent in the screenshot below, where the check she mailed bounced, she didn't respond to my texts, I called chase freaking out to report this fraud because {$2600.00} is significant amount of money for someone who is a college student, and doesn't have much savings to my name, and now providing proof. Lastly when chase refunded me the money in the form of a credit, I was delighted that chase made things right for me. I messaged her saying I got my money back and she responded that I am happy you got your money back, proving that she did try to scam me. Also when I researched her name on XXXX she had sent the same text messages to multiple people, and scammed multiple people. I have provided Chase my bank with proof of all the text messages, the check she sent me, the screenshot of the check bouncing out.
Consumer complaint received 2017-06-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: U.S. BANCORP (WA)

Using an app called '  XXXX   XXXX   ' of whom has been trying to contact my bank, US Bank , for my account information. US Bank apparently has not done as requested via   XXXX   XXXX  .
Consumer complaint received 2017-04-26
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EOS Holdings, Inc. (NY)

On  XXXX   XXXX ,   XXXX   I requested the following through CFPB to Navient : " I am requesting a full and complete itemization as follows : The original amount of loan to  XXXX , how much  XXXX   XXXX  was refunded, how much  XXXX  kept and why when student was in hospital and not attending. How much of loan was paid, the amount of fees and interest charged and dates of all information I am requesting. '' I never received this info, however, received a payment request from EOS again.
Consumer complaint received 2019-02-12
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: EQUIFAX, INC. (NC)

I seen this company on my credit report XXXX XXXX and I've asked several times for verification and validation of the debt and haven't received anything. I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay them.
Consumer complaint received 2017-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (PR)

XXXX Credit report XXXX. After several tries to get the XXXX XXXX XXXX XXXX ) late history removed from my credit file, they still give me the run around that they have investigated and that all is correct. I am NOT saying that it is not correct, I am saying that it has been SEVEN years since the FIRST late payment in a chain of late payments were done. The lay specifies " The seven year period starts from the date the account became late and was never again current. If you have an account and it was reported 30 days late today, seven years from today the late payment would be deleted ''. I have enclosed the Equifax and XXXX files so that you can see that the late payments started in XXXX 2009. I request that this be removed now and a new credit report be sent to me.
Consumer complaint received 2017-06-16
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. (GA)

For years I have been a victim of identity theft & have taken all necessary steps to prevent any further damage to my credit file. After 5+ years of trying to resolve this distressing issue and thousands of dollars later, I thought this issue was behind me and my life was back on track.
<P/>
On or around  XX/XX/XXXX  I contacted Equifax to inquire if my file contained mis-merged or mixed files. Equifax said there were no mis-merged or mixed files in my credit file. Therefore, all of the fraudulent information reported by the other three credit bureaus should have been reported by Equifax.
<P/>
On or around  XX/XX/XXXX , Equifax responded with an absurd letter after requesting credit monitoring & disputing fraudulent information requesting additional documentation to process a security freeze. My dispute never mentioned or requested a security freeze. Equifax did not conduct a reasonable reinvestigation to determine whether the disputed information was accurate or complete. Therefore, in  XX/XX/XXXX  Equifax willfully and intentionally violated 15 U.S.C. 168li by failing to act as prescribed by federal statute after receiving notice of a dispute from a consumer.
<P/>
To not elaborate about every single attempt after XX/XX/XXXX using the same or similar tactics with the same outcome, I will fast forward to the last few months starting with  XX/XX/XXXX . I again attempted to correct incorrect items for an Erroneous reporting account for the one and only negative account showing on my Equifax report. After making repeated attempts from  XX/XX/XXXX  up until  XX/XX/XXXX  sending every 609 letters & providing original contract & legal binding documents Equifax continued to report incorrect information.
<P/>
As of today   XXXX   XXXX   in the Consumer Affairs unit has placed every negative account back on my file that was removed as fraud and have advised they will not be removed. Furthermore,   XXXX   XXXX   XXXX   has advised I will not have access to my file unless I request by mail and no creditors will have access unless I call
Consumer complaint received 2017-04-26
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: CITIBANK, N.A. (NY)

XXXX   XXXX   XXXX   XXXX  vs   XXXX   XXXX    AMEX. I have conta c ted Macy 's over 20 tim es to remove a 30 day late on 10 years of membership. I was treated cruelly by Customer Service Reps. The late reports as   XXXX   XXXX    . I have repeatedly explained that I have never made a late payment on any account on my report. At this time in   XXXX  , my brother had recently died young and horribly from  XXXX   XXXX . My mother was in final stages off   XXXX   XXXX   and I was caretaker. My daughter was volunteer teaching on the remote   XXXX   XXXX   XXXX   in SDakota. I got an emergency call that my daughter was extremely ill and needed to be taken to a real hospital ( not  medicine man ) imm ediately. I did that but brought th e Macy b ill with me and sent it out on time. I have been repeatedly told b y AMEX that t he death of the family members at that time was not if any importance to them. They said my fear to be with my daughter across the country on a   XXXX   with third world country health care, was totally inconsequential to them. Every time I asked for a goodwill adjustment due to so much health trauma, they said  Macy 's AMEX has  no good will. It is possible that because it was sent from remote   XXXX   XXXX  , it could have been delayed. M y credit score  has been severely damaged by this but my faith in people is damaged as well. I have never been spoken to in such  s demeanin g way, emohasizing that their payment was worth more than the lives of my brother, mother and daughter. I am crying as I write this and cried many times after speaking with their ultra disrespectful customer reps. Please help me so that all this torment leads to the removal of that negative information. I am buying a house and I look irresponsible by being late.  Macy AMEX never d id show proof that it arrived late but just kept saying that they absolutely would not remove derogatory no matter how many died or the fact that I never paid late in 10 years. The customer representation at this company is inefficient and inhumane
Consumer complaint received 2017-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NC)

On  XXXX   XXXX ,  2017 , I attempted to use  my Amazon Chase cre dit card in  XXXX  for a car rental. The card was declined. I later tried to use it at the hotel as well, only to find out that the card did n't work either.     My adult son has a sub-account of my Sapphire Chase card, and I did n't work at gas station in  XXXX   XXXX  NC on  XXXX   XXXX ,  2017 .     On  XXXX   XXXX ,  2017 , I noticed that my auto-pays for a ll Chase cards were disabled. I called Chase and they told me that my Amazon and Freedom credit  cards were closed as of  XXXX   XXXX . No communication was sent to me about the account closure. No explanation was given from the representative w ho I initially talked to nor from her supervisor. I was told that I was unable to apply for a new Chase accoun t for 30 days.
Consumer complaint received 2017-04-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (CA)

I 've been trying to cash a check from Chase Bank, and the bank refuses to cash it even when the amount and approval from account holder was verified by  Branch Manager   XXXX   XXXX . This process has been going on for more than a week ; having me going back and forth.     After talking  to Branch Manager o n Friday  XX/XX/17    We went back to the bank yesterday Tuesday  XX/XX/17    and they still refuse to cash the check because  XXXX  failed to put any notes on the computer.     I called  XXXX  today she placed me on hold and never came back to the phone. I waite d 15 m in on hold and nothing happened.     I tried calling her again and again and she refuses to answer the phone.     I do n't know what kind of games they are playing here but as a result of the their lack of customer service, curtesy, and value of time. I 'm having my mother the account holder close her account with this bank.
Consumer complaint received 2017-04-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Brelvis Consulting, LLC (MD)

I have  Parent PLUS loans  that my own servicer is handling just fine. However, I keep getting calls from a company called  Student Loan Help Center ( p hone number  XXXX  ) saying that this is my last chance to get into income based repayment, that the Obamacare loan program is being revoked at the end of the month, and that at that time the Department of Education will require full payment of my outstanding balance. I know that all of this is not true as I am a higher education policy analyst well versed on the student loan and student loan repayment programs. However, what concerns me is that even my own sons would likely not understand this to be a scam unless they asked me.     I am very worried that other borrowers could be defrauded by this company. I 've spoken to a  manager ther e to express my concern that they are giving our fraudulent information, and to give them accurate information about the loan programs, but they hang up on me twice. So this is n't a case of a single call center employee who is not delivering the message correctly. They need to be stopped before borrowers are defrauded. Thanks!
Consumer complaint received 2017-04-26
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

On  XXXX   XXXX ,    2017  I disputed  XXXX   XXXX  that its inaccurately being reported on my credit report stating that I owe {$2400.00}. This account is still showing up as pending an investigation which is well over the 30 days per FRCA law. I do not owe this company any monies nor have I ever been late on a payment. I am requesting this account be removed from my report immediately or I will file a compliant with the Better Business Bureau. Attached is proof that I owe  XXXX  dollars given to me from  XXXX   XXXX  and a copy of the contract stating that I had the right to terminate the lease early.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2017-04-26
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: EQUIFAX, INC. (TX)

I have contacted Equifax via phone and the internet to request that you remove the following unauthorized inquiries from my credit report :   XXXX   XXXX    XXXX   XXXX ,  2016    XXXX   XXXX     XXXX   XXXX  , 2016   XXXX   XXXX   XXXX   XXXX  , 2016   XXXX   XXXX   XXXX   XXXX  , 2016   XXXX   XXXX   XXXX   XXXX  , 2016    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , 2016   XXXX   XXXX   XXXX   XXXX  ,2016   XXXX   XXXX   XXXX   XXXX   (   XXXX  ) Various Dates  XXXX  (  XXXX  ) Various Dates So you explain to me that this inquiries are factual in which they are not. I have attached a copy of the letter that I have sent directly to the creditor disputing their reporting.       I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time.     I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.
Consumer complaint received 2017-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

Failed to comply with Federal regulaions and continuing to report a Date on my account that appears to have opened  XXXX   XXXX  seems to be incorrect and false for unverified account  XXXX  account  XXXX  as well as the first reported date of  XXXX   XXXX  I contact  XXXX  myself and was told by  XXXX  that worked there that they are unable to release third party information without a written consent from account holder in which I have no contract with  XXXX  so I contact Experian and they refuse to provide me with any documents with my wet inked signature. They are reporting things that they claim to have verified so multiple times I have asked for the method of verification in which I have a right to ask by law. But they refuse to comply so I have filed a Complaint with the better business bureau and plan to file one with my state attorney General office because of their failure to obide by the law and Instead they shift the burden on me as the Consumer to get the information which is another violation and not even that i disputed this in  XXXX  that was signed by a rep at Experian and they did not at the time note that i I was in fact disputing  XXXX  in which that is another violation that i have my certified slip along with my credit report date stamped as proof.   Yet Experian has failed to provide me with a copy of any viable evidence submitted by  XXXX . Or provide copy of cancelled checks to prove the last payment received is reported correctly.
Consumer complaint received 2017-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK (NY)

DISCOVER CARD BALANCE TRANSFER WAS OFFERED I ACCEPTED IT NOT NOTICING AT TH E TIME SOME FINE PRINT A FEW DAYS LATER AS WELL AS OTHER DETAILS. SO I CALLED IN AND INFORM THEM THIS OFFER IS NOT IN MY BEST INTEREST. THEY TOLD ME THE PROCESS HAS ALREADY STARTED. I ASKED WHAT DO I HAVE TO DO. THEY SAID YOU HAVE TO RETURN THE MONEY BACK IN FULL. OF COURSE YOU KNOW IT IS A PROCESS FOR THEM TO SEND THE MONEY TO ANOTHER BANK AND ITS A PROCESS FOR ANOTHER BANK TO SEND THE MONEY BACK TO THEM. WELL DISCOVER CARD STARTED THE PROCESS ON  XXXX   XXXX     2017  THE MONEY WAS PAID IN FULL BACK TO THEM  XXXX   XXXX   2017 . YET THEY REFUSED TO REFUND ME THE {$400.00} FEE THEY CHARGE ME FOR THE BALANCE TRANSFER AGREEMENT WHICH I DO N'T HAVE NOR WANT. I WAS TOLD TO CALL TH E OTHER BANK AND ASK THEM FOR THE {$400.00} WHICH IS STUPID BECAUSE DISCOVER CARD BILLED ME {$400.00} NOT THE OTHER BANK IF ANYTHING THE OTHER BANK PAID EVERYTHING IN FULL ( SO DISCOVER CARD OWES ME ). THEIR REPRESENTATIVE KEPT REPEATING THE SAME THING OVER AND OVER AGAIN WHAT HER SUPERVISOR AND THE BALANCE TRANSFER DEPT TOLD HER TO SAY. FINALLY I TOLD THEM I WILL BE REPORTING THIS INJUSTICE AND GREED BECAUSE I WILL NOT BE TAKEN ADVANTAGE OF. I WAS ASKED TO RETURN THE MONEY AND I DID JUST THAT. YET YOU STILL BILLING ME FOR AN OFFER I DONT HAVE. I NEED HELP!!! THIS IS NOT RIGHT. THE ACCOUNT MANAGER SAID THEIR IS NOTHING SHE CAN DO. I ASKED HER TO NOTE MY COMPLAINT AND THAT I WILL BE FILING COMPLAINTS AS WELL AS INFORMING THE MEDIA, THE BBB, THE INSPECTOR GENERALS OFFICE, AND THE FEDERAL TRADE COMMISSION IF I AM NOT REFUNDED ... .. PLEASE   HELP ME BEFORE THIS GETS UGLY BECAUSE I WILL TAKE THEM TO COURT ... .. THANK YOU