davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My  XXXX  credit credit card account which was in good standing has been closed since    2011. I want it removed from my credit reports. When I applied for a credit card limit increase I was originally denied because of the   XXXX   credit card account on my credit reports even though it was closed since 2011.
Consumer complaint received 2017-06-01
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. (FL)

All   XXXX   credit bureaus are keeping very old information on my credit reports always keeping my score down because the either do not remove them when have reached there time frame to be deleted or the repeatly show on report as if the where new.
Consumer complaint received 2017-06-01
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MA)

We are trying to settle with Ocwen/  XXXX   XXXX  The original loan amount was $  XXXX . Due to misapplication of payments  XXXX  started foreclosure. We are trying to settle with them, CFPB talks about principle reductions but  XXXX  considers all high interest added to the original mortgage amount - principle.   We have over $ 300k in interest they want to add to the principle.     What does CFPB consider principle?
Consumer complaint received 2017-06-01
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 submitted a complaint with Consumer Financial Protection Bureau and received the EXACT same response that I had received from the TransUnion Dispute enclosed in my complaint filed with the CFPB.     I did not give written authorization. Nor did I have a '' permissible purpose '' as deemed by TransUnion explanation of Inquiries.
Consumer complaint received 2017-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX   XXXX  Credit Card is reporting incorrect contact information on all   XXXX   CRA 's. Dispute letter mailed to  XXXX   XXXX  at the address listed on all   XXXX   reports  XX/XX/17   . This letter was returned " un-deliverable ''  XX/XX/17   . Photo copies of the letter showing the United States postal service could not deliver the letter along with a letter requesting the information be removed due to inaccurate reporting to all   XXXX    bureaus  XXXX , Experian, and   XXXX   on  XX/XX/17   . All  XXXX  have responded as  " Verifed '' ac count information yet all   XXXX   still list the incorrect mailing address for this account.  XXXX   XXXX  sent me a letter with their correct address in the return section of this letter. Due to the inaccurate reporting of  XXXX   XXXX  and the CRA 's this account needs to be removed from my report.
Consumer complaint received 2017-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

On  XXXX / XXXX / 16 , the credit monitoring Transunion was contacted, as we disputed the charges for a program we canceled. Transunion agreed to cancel the subscription, and refund a few of the charges. There were to  be ZERO further charges. Upon review of our account today, due to fraudulent charges, we notice d this subscription service was still being debited from our account, despite the cancellation over the phone. We demand a refund of all charges. The card Transunion is using to make these charges is no longer active due to fraudulent activity. It 's been cancelled by the bank. The refund must be via another method.
Consumer complaint received 2017-07-12
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Dear Sir or Madam, It has been a struggle to remove this fraudulent inquiry from Capital One/Saks 5th Ave. On XX/XX/XXXX, I received an alert from hard Inquiry from Saks 5th/Capital One. I never applied to Saks. I called customer service and the rep stated " thank you for bringing it to our attention, we will get back to you ''. It 's been a few weeks and nothing. I need this fraudulent inquiry removed asap. <P/>Thanks.
Consumer complaint received 2017-05-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Someone used my atm card to withdraw funds without my permission. I went to the bank and requested a copy of the recording so I an see who was withdrawing the funds they said it would take 10 business days. I waited the 10 business days. and went to the bank and they clearly showed me a picture of some young women withdrawing funds from my account. It clearly was not me. They filed a claim which took 15 days. The claims department denied the claim because she had my atm pin number. I have no idea how she got it but according to them it had to be someone who spent the night at my home and must 've gotten the information when I went to sleep. My husband and I both senior citizens and that never happened and we do n't have security cameras in our little apartment so for them to make that assumption was ridiculous they are refusing to answer the claim, I asked for a copy of the picture so I can take it to the police, apparently is not company policy for them to give me a picture of the thief. I am on XXXX and have had to borrower money to meet my bills the transactions are as follows XXXX-2017for XXXX, XXXX again XXXX twice and XXXX for the third time XXXX XXXX and XXXX XXXX for the 2nd time XXXX XXXX Please see attached bank statement maybe they could give you a copy of the picture that shows the woman who stole my money was no more than XXXX years old. Please help me retrieve my funds as bank of America is being unreasonable.
Consumer complaint received 2017-06-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (CO)

i have received conflicting information on what information is required of me, I have received numerous, ov er 20 conf using emails. I have received multiple phone calls for conference calls with mortgage companies only to be told that the mortgage company does not accept conference calls - all of this is done to delay the decision process. I have also had my privacy invaded, I provided checking account statements for the purpose of verifying the balance only to find that Caliber mortgage investigated all of my personal spending over several months and then they REQUIRE me to explain and substantiate my personal spending habits, spending that has nothing to do with evaluating my credit worthiness. I also believe that on ce Caliber Mo rtgage found out that I am employed by an  XXXX   XXXX , they systematically tried to find reasons to deny my loan, no doubt a form of subtle discrimination. I feel Caliber has evaded my privacy in doing an extensive investigation of my personal spending and then decide to discrimate against me because I am employed by an  XXXX   XXXX . I believe with my employment record and credit rating of over  XXXX , any reasonable mortgage company would approve my loan. I believe there is a possibility of either discrimination or fraud at Caliber.
Consumer complaint received 2017-06-01
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. (FL)

I noticed multiple inquries on my credit report with all XXXX bureaus ( XXXX, Transunion & XXXX ) that I did n't recognize. I sent each bureau a letter in writing advising I did n't authorize the inquries. I also noticed that on XXXX alerted me that my personal info was sold on some black marker website. I need all of those inquiries on my report removed. The only inquries that I authorized were my mortgage from XXXX XXXX.
Consumer complaint received 2024-10-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. ()

Subject : Coinbase Account Locked and Unresponsive Support Summary : Since XX/XX/year>, my Coinbase account has been completely blockednot just restricted, but entirely inaccessible. I can not log in, nor can I contact Coinbase support to open a ticket or inquire about my account. I no longer have access to the funds deposited on the platform, and despite my efforts, Coinbase has not provided a resolution to this issue. 

Timeline of Events : XX/XX/year> : I received an email stating that my XXXX  wallet on Coinbase was deactivated due to eligibility restrictions. 

XX/XX/year> : I received a request for additional Know Your Customer ( KYC ) information. Coinbase gave me 15 days to provide details about my occupation, the source of my funds, and additional documentation. However, I was on vacation and missed the deadline. 

XX/XX/year> : I attempted to log into my account and received an error message stating that I should " try again later '' and that my funds were " safe. '' I immediately opened a case ( # XXXX ) for account access issues, but the problem persisted. 

XX/XX/year> : Coinbase sent another email requesting the missing information and warned me that failure to provide it within 5 days would result in account restrictions. 

My response : I replied to Coinbase explaining that I am more than willing to provide the requested documents, but I can not access my account to do so. I explained that every time I attempt to log in, I receive the same error message. 

XX/XX/year> : I finally managed to respond to their KYC request, providing the requested information and documentation. However, I continued to receive KYC requests and reminders as if I had not submitted anything. 

XX/XX/year> : Coinbase responded to my formal complaint, stating that I had not provided the requested information. However, I had already sent the required documents twiceon XX/XX/XXXX and again in response to their XX/XX/XXXX request. 

Recent KYC Requests : Even after fulfilling their requests multiple times, I continue to receive KYC emails. The last request was on XX/XX/year>, to which I responded again, but no feedback or resolution has been provided. 

Current Situation : I am still unable to access my Coinbase account and the funds within it. I am in the process of relocating from XXXX XXXX to XXXX, but as of now, I am still fiscally domiciled in XXXX XXXX. Despite complying with Coinbase 's requests, I have received no resolution, and I am now seeking external help to regain access to my account. 

Request for Resolution : I am seeking the CFPB 's assistance in ensuring that Coinbase reopens my account, provides access to my funds, and improves their support and communication regarding these issues. I have fully complied with all their requests, yet my account remains blocked without any explanation or way to resolve the issue. 

Thank you for your time and assistance.
Consumer complaint received 2017-05-31
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: Merchants Acceptance Corp (CA)

On  XXXX  .13 I trie d to get a  XXXX  under my name but was not able to so they told me that I can use my boyfriend to see if we would qualify for one. At that time he was not home. He was at work but they insisted that is was ok. This application submitted was falsely submitted by the company 's rep. The sales person signed and had us all turn around to not look. And they told me that as a down payment they needed another vacuum cleaner of some sort and that they will return on Saturday to come by to pick it up. The next day I called them to let them know that I was not interested in purchasing the item anymore and since they were going to come by on Saturday to pick up the other vacuum they can just come by to pick up the  XXXX  instead. No one ever showed up to come pick up anything that weekend. I have made numerous attempts to contact  XXXX . All to no avail. The fictitious application and forged signatures do not bind me to any obligation with this company. Additionally, Merchants Acceptance is a 3rd party collection agency and has not provided any documentation to support that I truly and indeed owe them anything. Where are the original documents that bear my signature and prove that I signed a contract with Merchants Acceptance? I have never heard of this company nor have I ever did business with them. The  XXXX  sales team are frauds that practice fraudulent behavior.
Consumer complaint received 2017-05-31
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

Equifax was reporting incorrect info on my credit report and this problem was very difficult to communicate with on the phone.       XXXX   and   XXXX   removed the incorrect information while  Equifax  did not.     I also believe they are implementing fraudulent business practices by advertising a low introductory rate on their website and then giving an error code after you submit your request. Then when you call the number they give for assistance they tell you they can only give you a higher rate over the phone.
Consumer complaint received 2017-04-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have sent Transunion a request to delete inquiries that are on my credit report and provide verification that this was me pulling my report. I spoke with XXXX and XXXX and neither one of these ladies helped me with the issue that I was having. I have already contacted the people who was pulling my credit report and sent them letters to verify that this was me giving them permission to pull my report. No one has responded back and provided the information that was requested. I have called and called and tried to file a dispute on these inquiries and they keep telling me I have to contact the company. Section 611 ( 5 ) ( A ) of the FCRA is that they are required to verify my claims and or delete all information that is not or can not be verified. I have waited and waited for the outcome and have not received anything since. The pulls that are in question are XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX.
Consumer complaint received 2017-04-14
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2017-04-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (AR)

XX/XX/XXXX Dear Consumer Financial Protection Bureau, I am contacting you for your assistance with a problem I am facing with XXXX/Navient. I qualify for the full {$17000.00} teacher loan forgiveness toward my student loans. I have worked in a qualifying school district in Special Education for the required amount of time to receive this forgiveness. 
In XX/XX/XXXX, I applied for {$5000.00} loan forgiveness for my years teaching in a qualified district. The first form I sent in was returned to me several months later denied. I sent another form in to XXXX and it too was denied. During this time, XXXX reported me to credit agencies as having not made a payment in over XXXX years. Immediately, my credit was ruined. My insurance premiums went up, my credit cards lowered my limits, and halted my home refinance plans. I contacted an ombudsman to handle my complaints against XXXX. Because I had retained all the information XXXX had sent me over the years, I was able to prove my loans were not in default, and the ombudsman made XXXX retract the information they sent to the credit agencies. It took me several years to build my credit back to my previous score. The ombudsman also offered to send my third application in for me, and this time it was accepted, and I received {$5000.00} in teacher loan forgiveness. It took over a year and an ombudsman 's help for XXXX to approve my application. The ombudsman told me if I worked in a Special XXXX classroom for XXXX more years, I would be eligible for the remaining {$12000.00} in loan forgiveness. 
Last fall, I applied for the rest of my teacher loan forgiveness. It was returned to me with XXXX reasons why I am not eligible. I contacted another ombudsman to assist me with the application, and was informed they no longer help in that area. My district completed a new application, and on XXXX I sent it to Navient along with my rebuttal for each of the XXXX denial reasons. I received an email XX/XX/XXXX, stating my application was received, but I have heard nothing since and they are continuing to collect interest. A copy of the email is attached. 
Navient has made it almost impossible to receive teacher loan forgiveness. By denying forgiveness and dragging the process out over months and years, they are ensuring they can collect interest for longer periods. 
I would appreciate any assistance or advice to help expedite this process. I am sending a copy of my second application, their denial letter, my response, and the letter from XXXX in XX/XX/XXXX announcing I was eligible for the {$5000.00} forgiveness. 
Thank you so much,
Consumer complaint received 2016-06-21
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (PW)

We currently have XXXX mortgages with Wells Fargo that are VA loans : Property # XXXX is in the process of a Deed in Lieu of Foreclosure and Property # XXXX I am attempting to do a loan modification for to retain it as my primary residence. This process has been going on for over 18 months. I am having trouble with Wells Fargo in completing this. For property # XXXX, they required an occupancy inspection last XXXX and they were going to pay for it. The inspection was done but they did not pay for it I finally did in XXXX XXXX and sent them the report to finalize the process. In XXXX XXXX, they said they could not complete it due to a lien against the mortgage. They gave us the info and we contacted XXXX XXXX. They did not have a lien against that property and it was a hassle getting it straightened out. In XXXX, they send a letter saying they will have a resolution by XXXX XXXX and then another letter stating they 'd have one by the XXXX of XXXX. The loan modification for property # XXXX is in limbo until Property # XXXX gets resolved. I applied for a loan modification last year, paid a monthly forbearance from XXXX XXXX until XXXX XXXX. The one for XXXX was sent back and I was told that it is in Foreclosure status. I spoke to a representative that said to reapply for the loan modification. My issue is that I speak to different representatives, leave messages with no return calls and am disrespected. We have done what was asked of us by Wells Fargo and are led in circles with no resolution. I was told that I was safe from foreclosure on property # XXXX until property # XXXX gets resolved. The financial hardship began in XXXX when we divorced and I retired in XXXX XXXX from the XXXX XXXX. Property # XXXX was being rented until the tenants did not pay their rent and we could not afford to pay it for a period of 12 months. We had mortgage on property # XXXX, which was the primary residence of my ex-husband, and I was paying living expenses while XXXX. 
In XXXX XXXX, we receive paperwork stating that we have to do the process again to request a Deed in Lieu of Foreclosure for property # XXXX. This was at the final stages prior to them telling that there is a lien when there is n't. 
For property # XXXX, I am told to submit paperwork, like paystubs, request for mortgage assistance and XXXX to see if there is any financial changes. Nothing has changed, I am just waiting for property # XXXX to get settled in order to have my loan modified in my name. They also charged the lawyer fees to my delinquent payments that are in excess of {$1000.00} when it was them that hired the lawyer. 
I appreciate your assistance in aiding me keeping my home and for dealing with the sticky red tape with Wells Fargo.
Consumer complaint received 2024-10-01
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (KS)

I start a new account with them, Wells Fargo XXXX XXXX in XXXX and paid {$190.00} early, in XXXX payments in XXXX. Dated XXXX and XX/XX/XXXX. 

I received a statement with a due date of XX/XX/XXXX I made another payment on XX/XX/XXXX again exceeding the amount due They charged me late fees and added the following statement to my XXXX statement Reminder : You are required to pay the minimum monthly payment by the due date for each monthly billing cycle even if you made larger and/or additional payments in previous months. Your credit card account XXXX not be paid ahead to avoid making payments in future billing periods. You XXXX pay more than the XXXX XXXX XXXX at any time. However, to avoid late fees and delinquency we must receive at least the XXXX XXXX XXXX ( as reflected on each monthly statement ) on or before the Payment Due Date each billing period until your balance is XXXX. 

I requested information on how early this cycle was since my payments were made XXXX and XX/XX/XXXX. They declined to provide this information. Since I can not confirm a payment made XXXX or XXXX would have prevented the fees, I am unclear if I have to make the payment on the exact date of XX/XX/XXXX to prevent being charged.