davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (NV)

Sequence of events : 1 ) XX/XX/XXXX to XX/XX/XXXX - I sold over {$7000.00} worth of cameras/XXXX/etc.

2 ) XX/XX/XXXX - PayPal put a " minimum reserve '' amount of {$3700.00} on my account.. citing " High risk '' items.

3 ) XX/XX/XXXX - I reached out to PayPal via phone, XXXX support page, and XXXX support page to try to resolve the issue.

4 ) XX/XX/XXXX - Received generic, canned response from PayPal not even addressing my issue.

5 ) XX/XX/XXXX - Received response from PayPal stating that the reserve CAN NOT be lifted to allow people to do returns/disputes, and that it could be reviewed after 180 days on a case-by-case basis.

6 ) XX/XX/XXXX **MAY NOT BE THE EXACT DATE** - Called PayPal again to try to resolve the issue ( ONE YEAR LATER ), and was told that the minimum reserve was going to stay in place and would ONLY be released if I closed my XXXX  account.

I have been an XXXX/PayPal member/seller since XX/XX/XXXX.. for 17 years I have never once let my account go into the negative, have always handled cases and disputes in a timely manner, have always conformed to their rules, and have been an outstanding seller in all senses of the word. They are unfairly punishing me because I sell an item that has a higher fraud rate ( on the buyers end, NOT mine ).

I feel that holding MY money ( {$3700.00} ), for over a year and a half from transactions that happened back in XX/XX/XXXX is extremely unreasonable and all that I 'm asking is for it to be released. Not to mention the fact that it put my business in serious jeopardy because I had to cover the {$800.00} worth of XXXX fees for that month out of my personal bank account. On top of that, I had to pay a {$50.00} fee for insufficient funds out of my own pocket when PayPal tried pulling the XXXX fees from my bank account that I had attached to my PayPal account.

Since XX/XX/XXXX, I have sold hundreds of thousands of dollars worth of items and have never let my account go negative. To this day, I have to withdraw all of my money the same day it 's put in my PayPal because I live in fear that they 're going to freeze all of my money again. Even doing this, my account has STILL never been negative, and all returns/etc have been handled perfectly.

Thank you for your time and I look forward to your response. 

XXXX
Consumer complaint received 2024-09-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: KEYCORP (CT)

I was offered a money market account for XXXX months at XXXX  % at Key Bank. The monthly interest that the bank paid me kept declining every month. I asked for an explanation and was told that the bank would need to do an " exhaustive '' investigation to determine what happened to the missing funds. When I demanded resolution after one year of phone calls from my XXXX XXXXXXXX XXXX, she said that I was " made whole '' by the addition of a paltry sum. That is a gross miscalculation in the banks favor. Her final phone call resolution stated that the problem stemmed from not having opened the account with " new money ''. My contract does not stipulate new money, nor did the bank XXXX, XXXX, ask for new money. XXXX simply transferred funds from one account to another. XXXX is no longer with the bank. 

XXXX 's last call also stated that she had resolved my charge of discrimination ( I never made such accusation ) and that the problem occurred from failing to fund the money market account with new money. She refuses to send me anything in writing about her " exhaustive, stem to stern '' investigation. I never said anything other than, " where's my missing interest money? ''
Consumer complaint received 2018-11-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (SC)

My Mortgage was original with XXXX, XXXX and XXXX, Then bought out by XXXX XXXX XXXX. I received notices stating my payments hadn't been processed to my account. Next thing I start getting calls from XXXX XXXX XXXX, I tried to submit all my documents to them for help on resolving this matter, Then Fay servicing was calling, neither time was I notified of the switch. I sent XXXX, XXXX XXXX and Fay servicing all information canceled checks and 2 different statements from XXXX with different balance numbers, I also informed them the XXXX XXXX XXXX had walked off and abandoned the property and sent them a abandonment affidavit. I was laid off and struggled with each of these after faxing multiple times loan modification application and not getting any response on this account. I have tried to get them to help me save my home, Fay services stated there was nothing they could do to help me. Not even giving me chance or explanation. This is my home stead property, I am eager to save my home and a chance to do it. Come to find out Fay servicing was mailing information on the home to a XXXX XXXX another address not the home address not XXXX XXXX XXXX .Thank you
Consumer complaint received 2018-01-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. (OR)

I initiated a {$500.00} bank transfer from my savings account to XXXX trading exchange. This is something I had done successfully before multiple times with amounts smaller and larger. I submitted this request on XX/XX/XXXX. 2 weeks time passed, which is much longer than advertised to clear, and I still had not seen my deposit. However, an additional {$500.00} charge was made on my bank account to coinbase. So a total of {$1000.00} was now charged to my bank, {$500.00} of which I initiated, yet I had not seen anything deposited. 

I call Coinbase to get clarification on what is going on. I XXXX the issue, others reported similar stories of being charged twice for a transfer, most of which never got resolved. The ones that did get resolved said they had to file a claim on this website, which is why I am here doing this now. 

So I call Coinbase and the woman on the phone tells me it is mandatory to freeze my account, making me unable to log in and access my funds or crypto currency until this is fixed. I have been given zero information on when this will be fixed, but I suspect it will not be addressed until a larger coorporation, such as yourself, applies pressure to Coinbase to fix the issue. 

I would provide screenshots of my Coinbase charges on Coinbase.com, but since my account was disabled temporarily until this is fixed - I ca n't access that info. 

At this point, I just want my initial {$500.00} deposit returned to my bank account, and for the accidental double charge to be removed. Then I plan to cut all ties with Coinbase and move on. 

Please help me get my money back and figure this out - I am at a loss of what to do. 

Thank you very much for your time and effort in fixing my problem. 

All the best **The screenshot uploaded shows 3 seperate {$500.00} transactions from my Savings Account sent to Coinbase. 2 of which are valid. One was a transfer initiated to their partner site, XXXX, which I never receieved, another was a {$500.00} purchase of the cryptocurrency Ethereum, but one of them was an accidental double charge that I never initiated.
Consumer complaint received 2018-01-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. (VA)

On XXXX XXXX, XXXX at XXXX XXXX, I transferred my funds from XXXX to Coinbase in the amount of {$830.00} in which the funds were never credited towards my Coinbase account. The status from my XXXX accounts says its been confirmed and sent to Coinbase, however Ive never received the funds in my Coinbase account. The address that was used from to send the funds from XXXX to Coinbase is : XXXX. Ive reached out to both XXXX and Coinbase about this issue multiple times and both companies are telling me to contact the other company because theres nothing that they can do about this situation. Ive attempted to call Coinbase in which I was kept on hold for 2 hours with no response from anyone, along with submitting a claim with their support team in which Ive not yet heard any type of response yet. I have screen shots of the transaction and the multiple complaints Ive made with both companies.
Consumer complaint received 2018-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

On XX/XX/XXXX, my account went delinquent. However, I have been paying XXXX XXXX XXXX XXXX XXXX dollars a month every XX/XX/XXXX of the month since XX/XX/XXXX. I would like for the information to the reported correctly. I would also like for my credit to show that I am making payments instead of being listed as a " bad debt write-off ''. I am set up with XXXX XXXX to have my payment automatically withdrawn and I have not missed a payment.
Consumer complaint received 2018-01-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

On XX/XX/XXXX, I initiated a wire transfer of the amount of {$2000.00} from my bank ( XXXX XXXX XXXX ) to the following recipient : Coinbase, Inc XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX Routing/ABA Number : XXXX Account Number : XXXX Recipient Instructions/Message : XXXX ' On XX/XX/XXXX, the wire transfer of the amount of {$2000.00} was reversed which is reflected in my bank statement. 

On XX/XX/XXXX, {$2000.00} was sent from my bank account to Coinbase however this amount was not transferred to my Coinbase or GDAX account and the balance does not reflect the transfer was completed successfully. 

I 've sent 2 emails to the Coinbase/GDAX support team on XX/XX/XXXX and XX/XX/XXXX and have not received a response from them. 

I would like to cancel my wire transfer.
Consumer complaint received 2018-01-14
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: NATIONSTAR MORTGAGE LLC (CA)

XXXX XXXX XXXX Reported a late payment for my mortgage back in XXXX 2015. This account has never been late and they have refused to correct the error. I 've been very patient with this matter but i 'm tired of them ignoring to fix the problem and it has affected my credit score in a negative way.
Consumer complaint received 2017-02-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (CA)

XXXX has continued to report a charge-off giving me a bad credit rating with the credit bureaus. XXXX XXXX and XXXX have deleted this erroneous report from their rcords. Experian, however, after XXXX investigations, have not deleted this charge-off, nothwithstanding evidence submitted to them that XXXX had settled with me in an accord and satisfaction completed years ago, yet still report this charge, thus giving me an adverse credit history.
Consumer complaint received 2017-06-22
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TRANSWORLD SYSTEMS INC (PA)

Transworld Systems Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX. They are calling my friends. I have no idea how they are getting their numbers. Called several times over the past week from XXXX, XXXX and XXXX. My friends have repeatedly asked them to stop calling. I have asked them to stop calling me yet they continue to call.
Consumer complaint received 2018-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I have two derogatory marks on my Equifax report. The two marks are in collections. I have no knowledge of these two accounts and feel that they are inaccurate. One account has been on my credit since XXXX of 2014. The creditor of this account is XXXX XXXX XXXX and the amount is for {$210.00}. The other collections account that is affecting my Equifax report is XXXX XXXX XXXX XXXX. The amount of this collection is {$45.00}. This report is not to my knowledge and inaccurate.
Consumer complaint received 2017-06-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Selip & Stylianou, LLP (NY)

They are claiming I owe {$750.00}. I sent a letter on XXXX/XXXX/2017 to XXXX XXXX, XXXX. They then sent the account to another company and I requested validation of the debt with them as well and they have not provided it. They are giving me the run around and they are not verifying this unverifiable account. I have attached the letter I sent to both XXXX XXXX XXXX and the law office they sent the account to, SELIP & STYLIANOU , LLP. and they have not provided me with viable evidence.
Consumer complaint received 2018-01-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC (IL)

I found out 10 days ago on XX/XX/XXXX that my funds on XXXX were frozen ( I tried to withdraw and could n't, they never gave me any other notice ). The message said enhanced security had been enabled because of my accounts value and that I should contact XXXX to re-enable withdrawals. I emailed them as instructed. It 's been 10 days and other than an initial automated response I 've had no responses. My follow up emails have gone unanswered as well. 

The account is currently worth XXXX ( XXXX ether ). 

Thank you.
Consumer complaint received 2018-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: GREAT LAKES (KY)

On XXXX XXXX, XXXX I disputed the accuracy of my student loans via XXXX XXXX. Today 's date is XXXX XXXX, XXXX and my dispute is still ongoing. To my knowledge companies have 30 days to investigate and update any inaccurate information or to delete any inaccurate information.
Consumer complaint received 2018-01-14
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. (CA)

XXXX XXXX XXXX Reported a late payment for my mortgage back in XXXX XXXX. This account has never been late and they have refused to correct the error. I 've been very patient with this matter but i 'm tired of them ignoring to fix the problem and it has affected my credit score in a negative way.
Consumer complaint received 2018-01-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC. (AZ)

My husbands parents in a different state received a collection notice for {$110.00} for him from AFNI, Inc. The problem is, our account from our internet provider ( for which the collection notice is referring to ) is paid and in good standing. I called our internet provider and they said our account is fine. The collection notice had the wrong P.O. Box, the wrong phone number, and the wrong last four digits of the zip code-they were all different from the information on the real collection agencies website. This is a huge issue and an attempt to steal my husbands identity.
Consumer complaint received 2018-01-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NY)

On XX/XX/XXXX the virtual currency Bitcoin Cash was added to Coinbase & XXXX exchange. I had a balance of XXXX $ in my XXXX account at the time Bitcoin Cash was added. The price of Bitcoin Cash quickly began to rise so I put in a market order for XXXX $ at XXXX . ( I shouldve received at least XXXX Bitcoin Cash ) But due to the skyrocketing value my market order went through at a price of {$4700.00} $! ( Netting me XXXX Bitcoin Cash ) So I quickly went to sell because at the next moment Bitcoin Cash was at a price of XXXX $ on XXXX and coinbase ( I was supposed to have total XXXX $ if the trade went through successfully. When I went to sell I received the message post mode only. I even tried transferring XXXX coin from XXXX  to coinbase and received the message Bitcoin Cash sells are temporarily disabled the price remained at XXXX $ for about an hour then dropped to XXXX $ still not allowing any sells. The very next day the price chart on coinbase showed that the price of Bitcoin Cash had never even been to XXXX $ and not even to XXXX! So they allowed me to buy at an inflated price and not sell at an inflated price. As a multimillion dollar exchange this was a big red flag for me. So I have emailed and called customer service to try to get some compensation because this has not only resulted in XXXX $ immediate loss due to the malfunction but I have not been able to trade other crypto because they told me to leave my Bitcoin Cash there until a representative can fix the issue but havent given me any time frame to do so. I have screenshots of the price and the message when I tried to sell. It would be the best case scenario if they can honor my sell order of XXXX $ due to their mistake. But if they can not honor the sell then they shouldnt honor the buy either because they go hand in hand with one another and Id like a refund of my XXXX .
Consumer complaint received 2016-05-31
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: PNC Bank N.A. (GA)

PNC Bank said on XXXX, XXXX that I was eligible for an extension since I was never late making payments on the loan. I would not be able to work for 2 months beginning XXXX, XXXX due to major XXXX procedure. Without my knowledge I had received a letter dated XXXX XXXX that I was not approved because of a resolution not put in by the agent. I was told by XXXX in XXXX 2016 that I can email directly to expedite my re-request which they 're now denying ever happened for which I can prove. They 're charging me {$1000.00}, saying I 'm behind when I only skipped XXXX payment in hospital unaware of " non-approval ''. They reported me to the Credit Bureau and my score is now ruined. I spoke with XXXX manager XXXX. He said he tried but top people will not honor the agreement and are rushing me to sign another extension agreement in less than a week to rectify some charges but say that they are not willing to help me to get my negative credit report dissolved. He admits that it 's poor communication on their part with me, the consumer having to make all the effort while at the same time trying to recover from major XXXX and medicine.
Consumer complaint received 2018-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

After checking my current credit report, on XXXX XXXX, XXXX I contacted Equifax again in hopes to resolve an ongoing mistake on my credit report. I was not able to fully understand the name of the person I spoke to due to it being a huge language barrier between us and as I could tell she was not a Native to the U.S. There were multiple unauthorized inquiries on my credit report that has re appeared without notice, They I was notified originally during two separate system breaches that the inquiries had appeared through another reporting agency but it shows the unauthorized inquiries through this agengy as well. I eventually got them rightfully removed but as mentioned above they are back. I would like to have them removed because they are not authorized to be there. I am very familiar the FCRA and my rights as a consumer and I no longer want this reflecting on my report. 

Name : XXXX XXXX XXXX : XXXX/XXXX/XXXX
Consumer complaint received 2018-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

XXXX  has violated my privacy on multiple occasion by contacting third parties without my permission. They are in violation of 15 USC 1692e for using my name in vain and for false representation of my information without my permission. Inaccurate information must be corrected or deleted. A CRA must remove or correct inaccurate or unverified information from its files, usually within 30 days after you dispute it. They are now trying to report a fraudulent address. 
Section 623 ( b ) ( 1 ) ( A ) and ( b ) ( 1 ) ( B ). I HAVE NOT granted them access to report my information or discuss it with a third party yet they continue to do fraudulent and frivolous so called investigations. I am a victim of identity theft and CRAs are prohibited from reporting fraudulent information. 15 USC 1692F. 
They have been notified by certified mail : XXXX on XX/XX/XXXX and certified mail XXXX on XX/XX/XXXX. We are now prepared to take legal action if this is not resolved immediately.
Consumer complaint received 2018-01-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (WV)

In XXXX of XXXX, I invested funds with Coinbase, investing in Bitcoin and Eretheum. I sent funds into my Coinbase account several times. After Bitcoin gained significant value I tried to withdraw funds. I was locked out of my account and have been locked out with no ability to access my account for over 8 weeks. I have called Coinbase Customer Service many times. It was explained to me there is nothing they can do as they have a system problem due to an excess amount of business. They further explained to me that calling the customer service number to resolve the issue only hurts me because I get moved down the list in priority! I have had one supervisor, ( XXXX ) that said he would personally help me and to send him a screen shot of an error message. There was no reply or help from XXXX. I have been told a dozen times by customer service they ca n't help me! One representative even told me it is part of the risk of investing!! I explained to her it is not the investment that is the problem but the actions of Coinbase was the problem. All the while, my money is tied up in a downward market that I do not want to be in any longer but have no ability to withdraw the funds. Coinbase would not even freeze my account so I would not loose money with the declining market. My money is being lost simply because Coinbase refuses to give me access to my account!! I have lost thousands of dollars to date due to the incompetence ( and illegal actions ) of Coinbase. I have recorded phone calls and emails to  substantiate my acquisitions. This complaint is my last attempt to resolve this matter before I seek legal action against Coinbase.