davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

2 Citicards. Did not receive XX/XX/XXXX or XX/XX/XXXX statement by email for 1 and when I rec 'd XX/XX/XXXX statement I saw interest and late fees. Did a search of spam etc for my gmail and there was no record of the statements being received. I have been their customer for 23 years and always pay my full balance on time. After arguing with several people who told me they would not remove the fees, I sent a letter. Then I received a phone call saying they would remove the fees. I made sure to change paperless billing to receive a bill in the mail for both of my citicard accts. 
So I was satisfied but suspicious. I could have deleted 1 email by mistake but not 2.

Today I received an email stating that my other citicard pmt was delinquent. Same story, only this time only 1 statement was n't received. And this acct had supposedly been changed to paper statement. I called and the fees and interest were removed. 
My concern is that they do n't make much money off people like me because I always pay in full and on time. So I think they are sending late notices when the consumer has n't received a statement, claiming the email was n't 'bounced back '' so I must have received it. I do n't see how this could have happened with 2 cards, me missing 3 emails. It 's just not possible. There is nothing more I 'm asking from Citicards but I want you to be aware in case you get any other complaints. In light of what XXXX XXXX pulled, I would n't put it past them. 
Thank you. XXXX XXXX
Consumer complaint received 2018-01-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

Its about XXXX. 
Date XXXX Sold my BTC like every other time to Coinbase ( it sould arrive on the XXXX ). That time it did not charge any fees but also is now listed as : Sent BTC to Coinbase ... and not ( like every other day ) Sold BTC using EUR wallet. ( screenshot 1 ) already filed a support ticket ( more than 1 ), been rly patiently and explained everything in detail. But every time I get a respond from a bot or something else .. they did not read my request and told something complete different to what i had send to them.
Consumer complaint received 2018-01-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CO)

I have filed an attorney general complaint about several issues and misuse of handling grant money with XXXX College was never taken care of. I never received any grant money and did not see credits posted on their journal of showing it offset charges towards receiving them and crediting the amount. While transferring to schools back in XXXX XXXX to University of XXXX, a balance of XXXX was remaining on my account with XXXX College. This amount could of been grants that were sent back, but did not get a clear understanding of the amount showing on the journal when asking what happened to my grant money? I never received a check for my grant money while attending XXXX in XXXX and XXXX. Also, University of XXXX provided me a letter of receiving a grant for XXXX and I did not receive this from them also. This letter is attached for XXXX. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2018-01-06
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: The CBE Group, Inc. (CA)

Approx in XXXX XXXX ; I moved to another state and the new occupants did not switch over the XXXX service as they said they would. 
This debt has been in collection since XXXX and the date just keeps getting updated. 
I did not use this electricity to acquire this debt ; thus is why I have not paid it. 
The CBE GROUP has false dates as when it was opened ( XXXX/XXXX/XXXX ). XXXX does not wait 3 years before turning unpaid utilities to collections. 
I want this debt considered closed. 
The most Inwould pay is {$100.00}, not a cent more.
Consumer complaint received 2018-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

Hello : I contacted the bankruptcy court in my jurisdiction, XXXX, CA, and asked them about the bankruptcy reporting to the credit bureau. They stated that they do not provide the credit bureaus with this information. I then contacted Equifax, because they list a bankruptcy on my credit report ****with an account/docket number that is not mine*** and which I do not know at all. I sent two letters in XXXX of XXXX, stating that the account number is incorrect and that the Bankruptcy court, according to the bankruptcy court, does not provide information to the credit bureaus. Since this information is inaccurate, I want it deleted. 


Equifax states that they conducted an investigation, but this is false on its face. The reason is the following : If you look at the date verified, you will find the date of : XXXX/XXXX/XXXX. So, how is an investigation being conducted at all if my TWO letters are sent to them in XXXX of XXXX? ( Please see attached where it states : Date Verified ).

Equifax violates Section 611 of the FCRA which states : " In general, subject to to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumer 's file is a consumer reporting agency is disputed by the consumer and the consumer notifes the agency directly ... the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and the record THE CURRENT STATUS of the disputed information, or delete the item from the file in accordance with paragraph 5 ... '' Equifax also violates Section 609 of the FCRA which states in section " ( 3 ) ( A ) Identification of each person ( including each end-user identified under section 607 ( 1 ) [ 1681 e ] that procured a consumer report. '' Also, how does Equifax explain the inconsistency of me being told that they do not verify with the bankruptcy court -- -and then they ( Equifax ) list on the bankruptcy reporting that. 

Furthermore, and finally, according to the FCRA my report is supposed to be completely accurate. I do NOT know " Docket XXXX '' ... if that is my docket number, show me any documents that I have which state so. But I believe, otherwise, it must be deleted. 

Finally, and a more minor thing, Equifax has a hard inquiry of XXXX account, but when I asked for documents of this -- -since I do n't have knowledge of it -- -they " verified '' it. I would like them to produce copies of my signature for CFPB and me alike ....
Consumer complaint received 2018-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (MA)

Following up on a previously filed complaint against Discover Card : Thank you for your complaint XXXX about DISCOVER CARD. 

The company replied formally that they would return the unauthorized debits from my bank account if XXXX Bank provided the form they requested. A couple days later the investigations department at Discover called and said they would not return any money. The statement shows " reversed '' debits, but no reversal has occurred and the company has simply added to my account balance. 

This is yet another example of the company 's dishonesty, cloak and dagger policies to avoid being a fair creditor, and it has caused financial and emotional distress. 

My identity has been compromised. Almost all of the calls to Discover 's pay by phone line in XXXX lasted a minute at most, as shown on my phone records. XXXX 's investigation team said nobody can authorize an ACH debit in a minute or less. They also noted activity from different states ( Connecticut to XXXX ) occurring within 20 minutes, which would have been impossible for me to do.
Consumer complaint received 2018-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (LA)

XXXX XXXX, XXXX I started looking over my credit report and noticed I had a lot of hard unauthorized inquiries on my report. So I called Equifax and no one wanted to help me. So on XXXX XXXX, XXXX I called again and got the same response that no one was able to help me and there wasnt anything that they could do about it. So on XXXX XXXX, XXXX I sent them certified letters with returned receipts and waited to hear something back. So in XXXX I called back and was able to place a fraud alert on my account. And I still was having unauthorized inquiries popping up on my report even with the fraud alert. No one is alerting me that someone is running my credit without my permission. I went get a police report and wrote more certified letters and still was told they couldnt do anything about it. I been sending letters and calling for 7 months now and still have yet to receive any help. Its now XXXX and Im still having the same problem. I keep sending letters and calling and no one is willing to help me. This is messing up my credit and stopping me from applying for a home loan because of this.
Consumer complaint received 2018-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (WA)

Barclaycard is denying me from accessing my financial data using a 3rd party financial institution - XXXX. I had no issue accessing and loading my financial data from all of my other credit card and bank accounts. XXXX allows me to analyze my spending/payments, plan my financial path and make appropriate fiscal decisions. Without access to my Barclaycard financial data, I can not perform these tasks having complete information. I dont believe this is right for them to block access to my financial data.
Consumer complaint received 2018-01-06
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (WI)

Flagstar Bank, XXXX, XXXX Michigan is unresponsive [ and incompetent ] to all requests sent by me : by telephone [ ( XXXX ) XXXX ] - failed to reply ; emails [ XXXX ] - failed to reply ; XXXX letters, failed to reply beginning XX/XX/XXXXand continuing thru to today,XX/XX/XXXX when they closed my case inquiry : number XXXX saying it was " resolved ''. It was not and is not. My requests centered on failure to timely pay my escrowed money for my XXXX taxes ; account for where my escrowed money was sent ; selection of XXXX as a servicing agent without my consent or approval and overall failures of Flagstar to provide any service on any level to any of my questions or requests. I believe they have breached their fiduciary duty to me in the handling of my escrow. I believe my escrow is my money and have acted only for their convenience and generally not on my behalf. I believe Flagstar 's actions are negligent, intentional and devoted to defeating consumer complaints. Flagstar 's customer service is misguided, uninformed, lacks competency, provides wrong answers and is designed to provide as little interaction with the consumer as possible. When letters and emails are sent Flagstar 's uniform practice is to ignore the inquiry & content and not reply.
Consumer complaint received 2018-12-14
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (AR)

I got behind on my payments in the XX/XX/XXXX, I realized the reason I was having issues is due to scheduling of my payments. I contacted Ally, they stated that I could sign up for automatic withdrawal of my account for the rest of my account if I was current on ALL OF THE FEES AND PAYMENTS. So that's what I did, Paid all of the lates fee 's and the past due payment and set my self up on automatic withdrawal. 
I paid off the car in XXXXXX/XX/XXXX-Now I'm getting bills and negative reporting on my credit report from Ally. Ally is stating that I owe more late fee 's about 400.00 more and for some reason the account keeps rolling each month and I owe more fees. My last bill from them is now around 1,700.00-I 'm not getting any answers regarding this account.
Consumer complaint received 2018-01-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CT)

On XX/XX/2017 I wired {$8500.00} to Coinbase. The funds were received by Coinbase, according to my Bank, XXXX, but the funds have not shown in my Coinbase account.

I have submitted various support emails to Coinbase but no resolution has come about.
Consumer complaint received 2018-01-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NY)

A total of {$620.00} is owed to me by Coinbase for the sale of two Litecoin crypto currency at {$310.00} each. The coins were sold to Coinbase on XX/XX/XXXX and the money was promised to be deposited to my checking account by XX/XX/XXXX. My transaction has been pending since XX/XX/XXXX Four emails have been sent. Multiple phone calls have been made by me, and I have not received a response from Coinbase. I would like the money that is owed to me.
Consumer complaint received 2018-01-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: PNC Bank N.A. (PA)

My checking account was charged below minimum balance fees that should not have been charged. The amount charged was {$42.00}. I stopped by two branches ( XXXX XXXX, XXXX XXXX on XXXX and XXXX, PA on XXXX ) and they would not refund the charges.
Consumer complaint received 2018-01-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (AZ)

I received a collection bill via a collection agency called XXXX XXXX , XXXX . They claim I owe {$250.00} to Paypal as of XX/XX/2018. However, I do not have a Paypal account. The bill itself looks sketchy. 

The bill says to send payments to this address : XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, WA. XXXX The return address on the envelope is different. it is : XXXX XXXX XXXX XXXX XXXX, PA. XXXX
Consumer complaint received 2018-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FORD MOTOR CREDIT CO. (FL)

XXXX XXXX continues to report negative information tied to a paid account even though the negative actions occurred more than seven years from the most recent credit report received on XXXX/XXXX/2017. Their insistence that it is up to the credit reporting agencies to correct these errors is somewhat accurate but XXXX XXXX continues to modify the comments section to include statements referring to adverse items that are more than 7 years old and as such are in violation of the FCRA. I have sent correspondence to Ford that included the following documents : 1. A letter requesting negative items, remarks and/or comments to be removed from my credit reports as those items antedate the report by more than 7 years and as such violate my rights under the FCRA. More specifically, continued reporting of a redeemed repossession as well as a 60 day late payment. While this account did have those events, they occurred more than seven years before the report was generated on XXXX/XXXX/2017 and as such are being illegally reported and should be deleted. 
2. Copies of the relevant sections of the FCRA that specifically state that negative items that antedate the report by more than 7 years can no longer be reported. 
3. Copies of correspondence from Equifax where they state any changes to the report need to come from XXXX XXXX as they have item verified they are only reporting what Ford has asked them to report. 

I have attached the letter sent to Ford to clarify my position on this matter. 

Ford 's most recent correspondence to me simply states their unwillingness to comply with the FCRA. At this time I believe their actions to be punitive since the credit agencies have removed the negative items from the payment history reporting yet at XXXX XXXX 's request continue to include comments that speak specifically of these negative items. I was hoping it was just a misunderstanding and gave them an opportunity to do the right thing but now that they have come back to me and seem unwilling to make the proper and legal corrections which leads me to filing this complaint with the CFPB.
Consumer complaint received 2018-01-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (FL)

This Debt collection company AFNI is trying to collect on a debt from XXXX and reporting it as a debt that went negative in XXXX. I have contacted XXXX XXXX XXXX XXXX and they have zero accounts with my name and social security number. I contacted XXXX XXXX XXXX home internet and they have XXXX accounts with my name and social security number. I contacted XXXX XXXX which is an affiliated service with XXXX XXXX XXXX and they have zero accounts with my name and social security number. Funny story, they do have and account from XXXX that was opened with my name and zip code XXXX. Not even my social, a phone number that has been registered to a dog groomers since XXXX. I have fixed the issue with XXXX XXXX, they gave me a confirmation number of XXXX. Told me dispute it with my credit bureau and the collection agency will be forced to drop it. I disputed it, and they out and out lied. Not only are they reporting this as current but reported it was active. This is n't the first time a debt collector does n't update their facts, they just make up their own story to fit this. It is not fair for me to be responsible for something there is no contract or anything for. Its a service that you open with a name and address that is n't even mine with a phone number that was n't even mine. This was very very evident with XXXX XXXX customer services, as well as they said i have zero accounts in collections. Just my name and a zip ode i never lived in. They should be held accountable.
Consumer complaint received 2018-01-06
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. (IL)

on XX/XX/XXXX/2018 i was notifide my credit score dropped 45 points due to security finance reporting fals information on my report stating i am 7 payments missed and i am not 7 payments missed at all i have all bank statements proving i am currant and they also stated that there was a mistake and i have to just wait it out
Consumer complaint received 2018-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. ()

Someone get credit cad using my SSN from chase bank My SSN NO : XXXX DOB : XX/XX/XXXX Name : XXXX XXXX
Consumer complaint received 2018-01-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Bank has approved and charged me for multiple transactions that I did not do. It has been going on for a year or more, thank Bank gives me very little information regarding my account. Im terrified to be shown my investments, I never get information with this. I filed a claim, multiple claims, and the total came out to over {$10000.00}. This put my life in extreme hardship. I am a XXXX year old XXXX XXXX, ( XXXX ) and I have done everything from filling dispute against the bank and going back and forth with numerous companies. There have been many problems and I have been mocked by their company. ( phone calls, customer service ) that wont help or even though you see the fraud, the department is closed are things I have been told on their recorded lines. 
I have copies or bank statements and more but I have never been able to get information on Certain accounts, and I feel at this point my money is being stolen from me.
Consumer complaint received 2018-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (IL)

On XXXX XXXX, XXXX, Citibank placed a block on my account due to a negative balance. In the evening on XXXX XXXX, XXXX, Citibank removed the block from my account. Earlier in the afternoon on XXXX XXXX, XXXX, XXXX attempted to process my mortgage payment but due to the block it did not go through. As a result, XXXX reported me to the credit reporting agencies as paying my mortgage 30 days late and my credit score decreased 168 points. I subsequently filed a CFPB complaint against XXXX, to which XXXX XXXX Executive Office responded that they would suppress their XXXX XXXX credit reporting IF Citibank will provide a letter confirming that the block was removed from my account on XXXX XXXX, XXXX. Citibank has confirmed via telephone that the block was removed on that date, but my request for documentation of the oral representation has been denied. This is a very simple matter that could be easily resolved if Citibank would issue the requested letter, at which point XXXX would suppress the XXXX XXXX credit reporting and my score would rebound. I would sincerely appreciate the assistance of the CFPB, as I am currently being ignored by Citibank.
Consumer complaint received 2018-01-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NV)

i opened a XXXX instore credit card in XXXX, XXXX. I informed them i wished to put my {$65.00} per month payment into auto debit. After filling out their paperwork and mailing them a voided check with said paperwork, i was assured via snail-mail that everything was in place ; however in the ensueing months, my account has been assessed with compounding late fees.I 've repeatedly called the customer service number to straighten it all out, only to be frustrated with their lack of competence in handling their error. My wish is to rectify their internal error by honoring my original request to have automatic payments withdrawn from my checking account subtracting the payments I 've made to date with no penalties added. My other request is to ensure my credit score has received no blemishes because of this error. BTW my bank has tried to intervene by doing a conference call and faxing proof of payments made to XXXX XXXX. they did not acknowledge the fax or any part of our attempt.