davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-02
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (AZ)

This card was solely for auto repairs, or anything auto related so the last time I used it was last year. I used it this year to get my oil changed. Then I got on the app and paid it off in 3 different installments in the same week. I did not realize that the bank information that was linked was outdated as I thought I had updated it. So, when making the payments as I did in that short time, a payment came back as not being paid. I contacted them on XX/XX/XXXX and the rep let me know what had happened. So, I had the rep help me on the website to update my bank info and she did. I apologized as I did not know that it wasn't updated. I let her know that there were 2 more payments that were going to come back like that, and she stated just to wait until they come back before making the payment again now that the info was updated. She stated that it would be fine. On XX/XX/XXXX my account was closed. I called them back up to find out why and they said it was because payments were not received. Even though I spoke with this rep and she stated it would be fine and to just wait for the others to come back, they closed my account. I have never been late, never had an outstanding balance and they stated once it is closed there was nothing for them to look into. So, i just want to file a complaint against them for not having the rep take notes on the situation or reach out to anyone to let them know the situation at hand. Instead, just closing the account and having it affect my credit for no reason.
Consumer complaint received 2023-08-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION (FL)

Enerbank charged me for 18 months double my payment of {$79.00} on the XXXX of each month. I called about 3months ago about this problem and they did nothing. I want my money back and they refuse
Consumer complaint received 2018-02-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (OR)

I have {$9700.00} on deposit with Coinbase, the digital currency platform, headquartered in California and licensed as a money transmitter in my state of residence ( Oregon ). I funded the account via same day USD wire transfer from my personal checking account over 6 weeks ago. Despite previously executing various trades successfully, Coinbase is restricting the use or withdraw of my funds due to an automated ID verification issue with their platform. My ID was previously verified successfully and I have several support tickets open dating back to XX/XX/XXXX to address this issue, however I have not received a single response to these tickets. Phone and email support are disable for my issue, and despite every effort to contact the company, they are stonewalling me and holding my funds hostage. It seems there are many other depositors suffering the same abusive/fraudulent practices of Coinbase and based on my research there has been zero accountability. Conveniently, they have no issues accepting deposits, but a long list of complaints and issues relating to withdraws, account closures, and any other form of depositors claiming their funds. I really need my money back as this is taking a financial toll on me, it would be greatly appreciated if the CFPB could contact Coinbase on my behalf to demand the expedient return of my funds. 

Thank you.
Consumer complaint received 2023-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRSTBANK (CA)

I contacted First Bank XXXX XXXX  ) on XX/XX/XXXX  about multiple unauthorized charges on my account. The amounts totaled XXXX and were charged to my debit card. 

These amounts were disputed and I received a new debit card in the mail. However on XXXX I logged into my First Bank account and noticed that the account was closed. 

I received a phone call from my local branch indicating they refused to dispute the fraudulent transactions and that they were closing my account. 

There was no other communication in writing indicating the reason nor any supporting documentation. First Bank refusing to resolve these unauthorized charges are a violation of the agreement between the card issuer ( VISA ) and the backing bank. 

Additionally per the First Bank user agreement account holders are not responsible for transactions that are not authorized and/or fraudulent.
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (OH)

For the past 2 years checkr who is the company XXXX use for background checks has reported expunged information to the company that has prevented me from using the XXXX  platform. XXXX XXXX they corrected the information and resubmitted.. in XXXX they reported the Same expunged information to the company which again is preventing use of platform. This time they are refusing to update the incorrect information they are disclosing which has been expunged from record for over 4 years. I filed for an investigation and they denied to update. This is preventing me from moving forward and making a living for my family. I have reached out to them several times for corrections. 

Attached is a copy of the report checkr reported to XXXX in XXXX which was the corrected report from them disclosing the incorrect information the first time, also attached is the report from XXXX were the incorrect information has been released the second time. There is absolutely no way that something from XXXX and XXXX wouldnt show up on XXXX report.
Consumer complaint received 2023-08-02
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: Experian Information Solutions Inc. (CA)

I co-signed for a loan for my fianc. I pay the loan monthly through autopay. For XXXX  months this loan was not on my credit. In XXXX  they added it due to disputes I opened. Only for the balance to be incorrect. And all of my previous payment history not reported. I have made ( XXXX ) payments on this loan at {$1200.00}. The balance should be {$41000.00} if it was {$62000.00}. The interest fluctuates. I feel my payments are not being applied correctly. I have tried to fix this issue many times. At this point I want this loan removed from my credit. I feel I fall into the class action lawsuit they had last year. My loan was originated at the beginning of XXXX. They added this onto my credit knowing I fall into this class action lawsuit. I am asking this account be removed and my payments applied be refunded to me.
Consumer complaint received 2023-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (NE)

I was a victim of improper account deactivation. I am unfamiliar with their Chime app and by mistake, I added funds to my Chime account from my XXXX account. I tried to cancel the transaction but there was no such option on their Chime app. Now, they closed my account. In every email, they weren't clear regarding what documents Chime wanted from me. They questioned my source of funds and I sent them everything from my current salary slips, ID documents valid visa status. They wanted documents and I sent those to them according to what I best understood. I am a XXXX working at XXXX XXXX XXXX  and now Chime is holding on to my money. 

I by mistake transferred {$2700.00} to Chime and now they have closed the account and are refusing to refund my money. They are not being clear as to why are they forfieting my money There is no question of source of funds as I am on legal XXXX status and employed by XXXX XXXX XXXX
Consumer complaint received 2018-02-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NY)

On XX/XX/XXXX I wired {$100000.00} to Coinbase.com ( FDIC INSURED ), got an email on the same day saying my wire was being rejected because of a name mismatch and will receive the money back in 7-10 business days. Since then I have been writing, calling and making support cases on their website. I only got 1 computer generated response on XX/XX/XXXX, saying we will look into it. No further progress. 

This time period has caused me tremendous damage and I am paying 6 percent interest on the money.
Consumer complaint received 2018-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (PA)

XXXX has several loans on my credit report as open even though I had consolidated and have been paying XXXX for over seven years. they keep updating my credit report with an increasing balance. I have contacted XXXX  and they have no record of having an account with them. I've have tried disputing on my credit account but they come back verified and accurate. please help.
Consumer complaint received 2023-08-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc (CA)

I purchased a cell phone on the XXXX by XXXX  website for {$94.00} including activation and first months service. I am a new customer and I do not have an existing phone number or account with XXXX. The order seemed to go through but I was given no order number or confirmation email. The money was debited from my account with Chime and it said pending. My phone was due to arrive within 2 days. This would be Friday XX/XX/2023. I waited until Friday and called XXXX and they could not help me without order number. After several attempts I was able to speak with someone in shipping and they said they had tracked down my order by the info I gave them. I was told my phone would ship in the next 48 hours making that a Monday arrival. Monday came and no phone. Accirding to my bank account the transaction was still pending, so obviously my phone was not shipped because it was still pending. To make a long story short I spoke with XXXX, they again couldn't find any order or even my card number in their system and urged me to contact my bank ( Chime ). I contacted bank told them there was no record of the transaction and I wanted my money so I could do the order over. They said there was nothing they could do since the transaction was still pending. They were unwilling to file a dispute and did not credit my account because it was still pending. I needed that phone on Friday at the latest and informed them that they needed to release my money. They blamed XXXX and told me XXXX had to release the funds, and XXXX told me they did not have the funds. So now it's been 7 days, 5 business days and the transaction still says pending and I've lost more money without a reliable working phone. Chime won't even contact XXXX and investigate, which is supposed to be their job. So I've been out XXXX : dollars for a week now and no one at either of those companies gives a XXXX and I'm low income and don't have another XXXX dollars to redo the order. I was supposed to get a response via email and neither company has done so and both are at fault in my opinion..I did nothing wrong. I was trying to order a new phone and service that was reliable and I used my chime card and now my money is in space, limbo,? These two companies have XXXX XXXX, and neither one cares.
Consumer complaint received 2023-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

For many years I had an AAA Visa -Bank of America credit card XXXX I received a letter dated XX/XX/XXXX that the AAA Member Rewards credit card account by Bank of America was to be taken over in XX/XX/XXXX by XXXX XXXX XXXX. 
I had XXXX points and chose to redeem XXXX for cash. I submitted my request online and the attached Bank of America Cash Redemption email I received stating : Your redemption request is confirmed. Please allow XXXX business days from the date of redemption to receive your rewards. It is noted a personal check was requested and the XXXX ID number. As of XX/XX/XXXX, I have not received this {$100.00} check. 

I read online that Bank of America has been ordered to pay {$250.00} million for illegally charging junk fees, withholding credit card rewards and opening fake accounts. The CFPB accused the bank of harming hundreds of thousands of customers, etc. The bank illegally withheld promised credit card cash rewards. 

My {$100.00} is small in comparison to the money owed to customers but Bank of America needs to be held responsible for all monies withheld and owed to customers, regardless of the amount. Thank you.
Consumer complaint received 2023-08-02
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: Experian Information Solutions Inc. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-06-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Collection Corporation (AL)

This company is reporting negative information on my credit report but will not provide requested information to validate the debt. I requested a contract or signed agreement between myself and the company, verification of ownership of the debt or proof that this debt is valid and approved by myself, I received no response to my many requests.
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Bright Capital Inc (NC)

A few months ago, I got started using Bright XXXX to help rebuild my credit. They use a software called " XXXX '' to link your bank account to their service to withdraw payment every month. My bank account got disconnected every FEW DAYS and I had to reconnect it. I reached out to customer service multiple times via phone, email, in app chat support etc... ( I have documentation for all of this ). I told them it would not let me make a payment no matter what and my bank account was getting disconnected from their service almost every XXXX hours. Furthermore, whenever I do " relink '' the account, I attempt to make a payment and it says that " I cant make a payment that exceeds the payment limit ''. So there is NOTHING I can do. They have now reported two late payments to XXXX further destroying my credit. 



The only time I received a response was by email OVER 4 WEEKS after the original email/chat message was sent and the response I received was automated. I asked to close my account and pay whatever remaining balance was left and that the 2 missed payments be removed for an obvious technical error. Their response was automated and completely unrelated reading : " XXXX XXXX, I am writing to apologize for the late fee that was charged on your credit card account. We understand that this has caused you inconvenience and frustration, and we take full responsibility for this error. 

To ensure that we can promptly address this issue, we kindly request that you provide us with the last 4 digits of the card that was charged a late fee. With this information, we can quickly identify your account and review the details of the late payment. 

We would also like to request the due amount and the date that the payment was originally due. Please also send us a clear screenshot of the late fee. This information will help us investigate the cause of the late payment and ensure that it does not happen again in the future. 

Please accept our sincere apologies for any inconvenience caused by this error. We are committed to resolving this issue as soon as possible and ensuring your satisfaction with our services. '' I have tried everything with these people and they refuse to respond. Try calling their public number at anytime during their supposed business hours and I guarantee you will not get a response
Consumer complaint received 2018-02-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (TX)

Between the dates of XX/XX/XXXX and XX/XX/XXXX I authorized XXXX transactions for digital currency as I listed below through Coinbase ( www.coinbase.com ), using my debit card, which I have since cancelled. I am attaching the email receipts for purchased coin on the XXXX transactions I authorized. 

There are XXXX total transactions I approved, all with different amounts then what Coinbase is double-charging me ( see email confirmations in attachment for authorized amounts ). 

The dates are as follows for approved transactions : XX/XX/XXXX : {$120.00} XX/XX/XXXX : {$89.00} XX/XX/XXXX : {$84.00} XX/XX/XXXX : {$82.00} XX/XX/XXXX : {$76.00} XX/XX/XXXX : {$73.00} XX/XX/XXXX : {$64.00} -- -- -- -- -- -- total : {$590.00} authorized.

Instead of being charged the above, I have been double charged as follows on my bank account for slightly different amounts ( including screenshots of my bank account on for documentation ) : 2/5 : {$84.00} 2/5 : {$90.00} XX/XX/XXXX : {$130.00} XX/XX/XXXX : {$74.00} XX/XX/XXXX : {$77.00} XX/XX/XXXX : {$82.00} XX/XX/XXXX : {$64.00} XX/XX/XXXX : {$64.00} XX/XX/XXXX : {$74.00} XX/XX/XXXX : {$77.00} XX/XX/XXXX : {$82.00} XX/XX/XXXX : {$84.00} XX/XX/XXXX : {$90.00} XX/XX/XXXX : {$130.00} -- -- -- -- -- -- -- -- -- -- -- - {$1200.00} unauthorized. 

I am owed the difference on this and have been unable to get any response from the responsible party, coinbase. I have already completed a fraudulent case with my bank, XXXX, case # XXXX. 

By my calculations, {$1200.00} ( unauthorized transactions ) - {$590.00} ( authorized transactions ) = {$610.00} due back to me. 

My coinbase account name is : XXXX and my case # with coinbase is XXXX. I have waited almost two weeks to get these charges resolved with them with no movement or response. Please assist if you can as this is a lot of money to me. Thanks in advance!
Consumer complaint received 2024-01-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (PA)

I've been attempting to enroll the account in to Auto-pay after removing it to change banking information in XXXX. The auto-pay system is apparently a manual entry once an online request is made, but there is no indication on the account that there is a pending or existing auto-pay setup. 

On XX/XX/XXXX I was told verbally by a representative that auto-pay applications could take up to 60 days meaning that my enrollment that I received email confirmation for on XX/XX/XXXX wouldn't become active until the payment date of XX/XX/XXXX. This delay is note accurately communicated as the email from XX/XX/XXXX states an estimated payment start date of XX/XX/XXXX ( the next billing date ). 

The representative told me that I would only receive a confirmation of auto-pay enrollment once the request is processed and that the 0.25 % rate discount wouldn't be in place until then. They also stated that manual payments would need to be facilitated until auto-pay is activated. This is not being communicated on any pages of the servicer 's website or on emails. 

This appears to be an intentional delay in processing auto-pay request, something which could be automated. A delay in this means delays in payments which could cause fees and additional interest and also delays the interest rate reduction required by all federal student loan servicers.
Consumer complaint received 2023-08-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Upstart Holdings, Inc. (CA)

To Whom it May Concern, Hello, please find below the following information. 

Im urgently complaining about UPSTART 's refusal to remove an erroneous 30-day late payment they caused. Despite my attempts to resolve this, they have disregarded my requests for resolution, prompting me to seek your intervention. UPSTART continues reporting an erroneous 30-day late payment in XX/XX/2023 due to there company deducting the payment from the wrong bank account, despite my providing them my correct banking information. I had called them in XX/XX/2023, when they first made this mistake and I was assured once I provided them with my correct banking information that this would NOT happen again. However, they continued to withdraw from the INCORRECT bank account and this has caused me a 30-day late payment, distress, a credit denial, and a negative impact on my credit report. 

I request your assistance in compelling UPSTART to promptly remove the erroneous 30-day late payment from my credit report. ( Please note ) : My account is good standing and up-to-date ( Plus advance/extra payments ). I have also ( prior to this incident ), paid Upstart advance payments. I have never had a 30 day late mark on my Credit Reports/Bureaus etc. ( I have NO late payments with any other companies, that I have accounts/business with. ( Until this incident with UPSTART happened ), My credit history always showed " EXCELLENT PAYMENT '' category on my credit Bureaus. Now because of UPSTART ( as mentioned earlier ), it has truly caused, much distress, credit denial and negative impact etc. 

I thank you in advance for your attention to this matter.