davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. ()

The account is locked, i can't buy new bitcoins, ethereum, etc.
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Case ID: XXXX Updated: XX/XX/XXXX XXXX PDT Created: XX/XX/XXXX XXXX PDT
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XXXX XXXX.
XX/XX/XXXX XXXX
why are my buys disabled?
Coinbase Support
XX/XX/XXXX XXXX
Hello and thank you for contacting us.

Our records indicate that you may be writing in to us asking about a cancelled order or the inability to buy digital currency using our platform.

Cancellations and account restrictions are applied by our automated software, and sometimes in error. If your account or an order you placed has been negatively affected by this, we sincerely apologize.

We definitely want our good customers to be able to buy digital currency with us easily. If you feel that a cancelled order or account restriction was made in error, or you have another issue that needs to be addressed, please reply to this email letting us know.

Also, please take a moment to ensure that you have verified your ID with us. You can double-check this by navigating to https://www.coinbase.com/XXXX and checking to see if your ID document is on file with this. Please note that we may not be able to review your case until that document has been uploaded.

Thanks for your understanding as we continue to grow and improve our services.
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XXXX XXXX XX/XX/XXXX XXXX
I Think there is an error.
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XXXX XX/XX/XXXX XXXX, "Coinbase Support"  XXXX XXXX:
XXXX XXXX
XX/XX/XXXX XXXX
Hi, any news? buys are still disabled!!!

Too much time to solve a simple thing..i think i will move to another platform.
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XXXX XXXX XX/XX/XXXX XXXX
Hi, my buy are still disabled.
What can i do?
It's one month that i'm waiting for a reply and If i will not have it in
few days I think I will close my account.

Best Regards XXXX XXXX -------------------------------------------------------
XXXX XXXX XX/XX/XXXX XXXX
I've uploaded 2 documents but it says that only one is present but in the page there are two
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XX/XX/XXXX XXXX Good morning, 
i've uploaded 2 ids but i have still limitation on my account.
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XXXX XXXX.
XX/XX/XXXX XXXX
Good morning, 
i've uploaded 2 ids but i have still limitation on my account.
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XXXX XXXX
XX/XX/XXXX XXXX
document re-uploadedI've tried to contact them 
i'm still having this issue since months and no one from the support have fixed it..
I've tried to reupload my documents but nothing has changed.
I'm seriously thinking about closing my account because of the lack of support.
Will someone answer to my questions? thanks

Best regards,

XXXX XXXX
Consumer complaint received 2015-11-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Amsher Collection Services, Inc. (VA)

We believe this is a fraudulent cell phone account opened in my name. We sent a letter copied from the CFPB web site and requested all information related to this supposed debt. The letter was sent certified mail, return receipt, and was signed for on XXXX/XXXX/15. We asked for them to cease all contact until the requested information was supplied. To date, we still receive multiple calls/day on multiple numbers ( home, personal cell, etc ).
Consumer complaint received 2015-08-05
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XXXX XXXX, had a {$37000.00} loan ( they describe it as a Line of credit ) however it was a one time deposit to my account, with set payments of {$660.00} per month for 60 months. That said I have been paying on this loan for over 90 months. I am in the military and have been XXXX from XXXX to XXXX. Now that I am back in the XXXX, I have had time to try to see why this has happened and the Bank of America stills expects 6 more payments of {$690.00} plus. 
I have called them and asked how a set number of payments has gone over Seven years expecting to surpassing Eight Years, I would not have took out a consolidation loan that would take over Six years to pay. We are going on Eight Years and I have not received anything from Bank Of America to resolve this. They sent me a application from XXXX that has minimal information concerning myself. They sent me more paperwork that has the loan amount and term 60 months and then the 4 pages of terms and agreement. 
My last communication with the company the service rep said he would forward it up to a division that will investigate why this may have happened. 
From speaking with several representatives, in XXXX the Loans like the one I received were discontinued and called something else. In XXXX there was some other change concerning my account but the rep could not tell me, other than he would forward my situation to another division. I have paid over {$60000.00} on this {$37000.00} loan and I am certain this was not what I agreed to in XX/XX/XXXX
Consumer complaint received 2016-08-31
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (NC)

Experian is taking a XXXX on me and their subsidiary, CFPB since XXXX. 
They ignore my requests to show me my credit report because they messed it up, and my credit score too, and CFPB is doing absolutely nothing to compel them to comply with the law.
Consumer complaint received 2016-08-31
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: ARVEST BANK GROUP, INC. (MO)

I applied for a Small Business Administration XXXX loan with Arvest Bank last year for my VA Certified Service XXXX Veteran Owned Small Business- National Veterans Service Bureau , we were denied. I again filed for a loan XX/XX/XXXX we were denied again after getting XXXX worth of Student Loans removed for XXXX student loan discharge. We asked for a review when I was able to remove XXXX out of XXXX collections items from my credit report. Again we were denied. I filed a complaint with the SBA OIG, we are awaiting the result of complaint to have Arvest removed from the SBA Lender List for racial and XXXX discrimination because on the last loan denial they said I had no income while I deposit XXXX a year in Payroll deposits and VA XXXX Pay. It has been one lie or reason after another. 

The reason I am filing this complaint is that now I have begun recieving retaliation in the form of deposits being held back, debit card transactions being held then posted when funds are low, I have over draft protection and they are sending checks back even when I call them and ask is there a transaction posting today they say no then put a transaction and returned the check, and I had called them asking them to call me or pay the check. They held transactions for over 7 days then put XXXX or XXXX transactions on the account at one time, putting me over the over draft limit, but again I tried to work with them by calling them. 

Fyi the Head of the Missouri Arvest Bank XXXX XXXX has been in communications with me, I also contacted their corporate office in XXXX Ark. I told them if the retaliatory transactions continued I would be filing a complaint with your office. I have also filed complaints with non us government companies about the racial and XXXX discrimination see the following link for more information. 

XXXX I do not want another XXXX veteran firm to be treated this way thank you for your help
Consumer complaint received 2016-08-31
Product: Prepaid card — Gift or merchant card
Issue: Managing, opening, or closing account — 
Company: Paypal Holdings, Inc (CA)

I purchased {$5000.00} in eBay gift cards and use them for eBay purchases. 

However, the seller had refunded the purchases via Paypal. 
Paypal consecutively had closed my Paypal account without providing the cause. 

Since Paypal is an exclusive checkout method for eBay gift cards I effective forever blocked from redeeming my gift cards.
Consumer complaint received 2015-09-06
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth (NJ)

On XXXX XXXX 2015 there was a car accident theses bills were paid according to the XXXX insurance companies collection agencies are harassing I was told this account was paid I trusted and believed this to be true and correct Plus this collection agency is calling my cell phone daily
Consumer complaint received 2015-06-18
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NY)

Carrington Mortgage Service acquired my mortgage from Citimortgage about 8 months ago. Since that time they have created many different problems for me overall being unable or unwilling or both to process their own documents and to resolve the issues. The issues have included requiring me to refinance my mortgage because the overall portfolio they purchased had too much risk, being unwilling to set up the auto payments through my bank to ensure on time electronic payments despite me filling out the paperwork XXXX ( XXXX with a notary public ), charging me extra fees to make payments just to keep my account up to date due to their own inability to process their documents, offering online bill pay through their website which never actually is able to process a payment, forgetting to close out the previous loan account which they required me to refinance which led to massive confusion about wether I had a loan with them or not, and the list goes on and on. This company has been torturing many americans over the last few months as can be seen based on XXXX personal reviews written all over the web describing similar problems after each person had their mortgage acquired from larger banks.
Consumer complaint received 2015-10-23
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC (FL)

On XXXX XXXX, 2015 I should have received my direct deposit from my employer to my Rushcard account and I did not receive it. I tried to access my account through my mobile app and I got locked out. I called the customer service and every call I got two different types of responses. One response is that I have an available balance but it was from XXXX XXXX, 2015 not the previous pay period on XXXX XXXX, 2015. The second response is that they 're sorry but they ca n't access my account and I 'll be directed to an customer service representative and the phone would hang up on me. I also noticed it is XXXX different female voice operators. Numerous times the phone hung up on me and I only spoke to XXXX representative XXXX separate times and when they told me the issue and said they were going to resolve my account issue they had me on hold for over and hour and when I would call back the phone hangs up before it can even ring or the holding music plays. I called again on XXXX XXXX, 2015 and spoke with a representative on how can I have them send the deposit back to my employer and I got put on hold for almost over XXXX minutes. I see I 'm still apart of the ones whose account issues did not get resolved and it 's holding me up from paying rent, bills, food, gas and other necessities. Mind you it has been over two weeks now and I still have n't got an email, text or anything in the mail about the issue or contacted about how they apologize for the action and how they were going to resolve the issue. Very unprofessional and I feel like I 'm being scammed and I want everything owed back to me and I want to close my account with Rushcard and I do not want them to have any of my information no longer nor conduct any business with them because this is ridiculous.
Consumer complaint received 2015-08-04
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MI)

Ocwenloanservicing in XXXX XXXX XXXX Florida continues to mark me XXXX days late for XXXX 2015 although the loan had been paid off in full through refinancing with XXXX XXXX. I was informed by XXXX XXXX on XXXX XXXX, 2015 that it is still showing as late for XXXX although ocwen no longer held the loan.
Consumer complaint received 2015-11-24
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Onity Group Inc. (CA)

To : XXXXConsumer Account AnalystOffice of the Consumer OmbudsmanDear XXXX This was in regards to case number XXXX. The reason I am writing back this time is to Thank you and the office that you represent for all the assistance you have extended to me. I have just recieved a call today from XXXX XXXX Relationship Manager from Ocwen Loan stating that my case was already been acted upon after a very long time. It is you and your office that make them listen and do what is really right and fair for my case. I am already getting ready to file a legal case with Ocwen but I am glad I did contact CFPB first. I also realized by doing a litigation, it will cause me money and have to wait for a long time again for a resolution. I am very glad I did n't have to do that option anymore. This thing happened because of your assistance. I believed the only thing I am waiting is for them to do an accurate credit reporting, which I do understand will happen perhaps in the next 30 days. Again, thank you very much for the excellent service you have provided to me and for sure to many other people like me. 

Sincerely, XXXX XXXX
Consumer complaint received 2015-06-16
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

Payments were made to collection agency and then account was proven to have been fraudulent transactions. Collection agency has been giving me the run around concerning returning payments made even after I have provided letter from original creditor stating charges were not mine and also stating that payments were not returned to original creditor when the loan was
Consumer complaint received 2016-04-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: MB FINANCIAL, INC. (GA)

I have a mortgage with MB Financial. I paid the amount shown on the coupon that I received from MB Financial. They received the payment on time and cashed the check. However, MB Financial stated that the payment was short as the escrow amount was by about {$18.00} due to a change in the escrow amount. MB Financial does not send statement ( by mail or electronically ). So, there is no way, other than the coupon, to determine the payment amount. When I was notified about the shortfall, I simply paid the difference over the phone. However, the problem is that MB Financial reported a 30-day late pay to the credit bureaus. My credit score dropped by XXXX points and I am unable to refinance a loan. MB Financial refuses to help.
Consumer complaint received 2015-06-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (OK)

OK we purchased our home in 2007 here in XXXX Oklahoma, he put down ex amount of dollars then financed for 30 years, they had us on a variable interest rate instead of a fixed rate like we wanted. We started getting harassed by the loan company about our payments etc. they never have had our balances right yet, no matter what we did the company would claim that we were behind on payment being deceptive then if we send large amounts of money then we would go back too normal payments. There was times we sent thousands of dollars or even hundreds. Then we would still get XXXX over and never get the same amount due each month. We have never had the same amount due each month so therefore we could not budget our self cause the loan company was so crooked. They would claim that we could send a fax for a renew of lower interest then they would claim that they never got the packet. We then were sold too XXXX and they did the same thing but worse, then it went too XXXX XXXX XXXX. We have been taken advantage of greatly, no matter what we do or what limb we go out on they pretend too play the same ol game. I feel that we are owed a refund of damages and stress related issues they have put upon us. Then they send a threating letter too do legal actions on the house were does this dishonesty stop? Then we have SPS whom sent a threating letter saying we better pay XXXX dollars plus attorney fees, now this law firm is not in the crooked scam too deceit us. All the money has went too interest ever since 2007 and none applied too principle. I even had id theft years ago and the sheriff here did nothing about it, now I have trouble with interest and loans that I get cheated out of. I wish for a settlement and these scams stop.!!!! I can not afford an attorney If I did Id like too sue the them for punitive damages and stress related problems we have had not too mention phone harassment for wrong balances etc. We have changed our home phone several times and XXXX XXXX XXXX must be selling or providing our home unlisted no. where is the legal issue here?
Consumer complaint received 2015-10-14
Product: Prepaid card — General purpose card
Issue: Adding money — 
Company: Empowerment Ventures, LLC (IN)

I added money on XXXX/XXXX/15 and the money is still not available. When I call customer service it says my card has not been activated when in fact it has. I still do not have my money an its XXXX/XXXX/15 and NO ONE ANSWERS CUSTOMER SERVICE #
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (OH)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-04-08
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FORD MOTOR CREDIT CO. (AL)

My vehicle was financed through Volvo Car Finance. I made my payments for several years through their website, Volvocarfinance.com. The website was shutdown. I have not received any communications whatsoever and did not know where to make my payments. I called Volvo Finance and they had no record of my account. After two full days of phone calls and research, I found that my vehicle was actually financed through XXXX. I was then able to make a payment through their phone line. I made my last payment in XXXX and found that I have {$3600.00} remaining. This is for interest due to a period of time when I was late making payments due to hardship. I called yesterday to question this and was told when I was late making my payment, the payment went to interest only and no principle. I was also told I will be charged XXXX per day until this amount is paid off. The gentleman I spoke with was extremely rude. My car was financed for 7 years at {$750.00} per month which was XXXX on my part. I am upset because I was not told when getting extensions, late paying, etc., that I was not paying any principle. I always paid amount due when making payments. If, I had known their practices, I would have tried to pay a little extra every month to cover amount added to my loan. I really do feel like I was deceived. This company has not contacted me at all ... Not through the mail, email, or phone calls. I have tracked them down. I asked the gentleman yesterday to send me a statement and an amortization schedule. I do not even know where to send a payment. The automated phone system is for monthly payments and tells me there is no amount due. The amount of {$3600.00} seems excessive to me for being late on some payments. I was also deceived by not knowing what company my vehicle was financed through. Although, there was a period of time during the 7 year loan I was late paying, I got through that time and have been making regular payments, and paid the car off on time.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I have spoken with a chase representative in XXXX about a payment, I was informed that my account was up to date. After speaking with the representative, the informatioan she had given me was incorrect. I called in before and was told I needed to make another payment to catch up and the other representative was wrong. After making another payment, thinking my account was up to date, I saw that it was not. Spending weeks trying to rectify the inacuracy of my account, I saw that it was a never ending battle so I made an extra payment to be safe. 

Now, as I try to resolve this inaccuracy from misinformation from chase representative, looking at my credit report, I see it was not resolved. I was told that they can not give me a waiver, which I am not asking for. I am asking them to resolve their mistake. I am a retired veteran and I have been very sick from the after effects from the XXXXXXXX XXXXs and still to this day, trying to recover from it.

I would like chase to remove the inaccuarcy of the two wrongful placements of the 30 day late payments from XXXX and XXXX of XXXX
Consumer complaint received 2016-04-08
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (WI)

On XXXX XXXX, Chase denied a purchase with my Freedom account ending in XXXX. I have been a customer of Chase for over 20 years, and have never had a purchase declined. I was given different reasons why the purchase was declined. One excuse put forth was the transaction was out of state. Because of this poor service, I cancelled my account with Chase Freedom ending in XXXX. Chase went so far as to email some of my financial information to a third party. They do not have my email account because I do n't have email. A complaint was filed with the XXXX, XXXX in New York state. Please contact me if you need additional information.