davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (IL)

On Tuesday XXXX XXXX at XXXX XXXX CST a transaction was initiated that withdrew {XXXX} from my bank account in order to buy bitcoin on coinbase.com. Although I had used the service often in the past this transaction was fraudulent -- at that time I did not even have access to a computer. I reported the fraudulent transaction to coinbase as soon as I noticed it had happened which was roughly about three hours later. I asked that the they cancel the transaction and they refused, stating that they would need to investigate the account security first. I reported this both by phone and by email. 

Coinbase immediately locked my account and I received an email shortly thereafter that was trying to glean how my account may have been compromised. I answered their questions to the best of my ability. After not receiving a response I called coinbase 's customer support line in an attempt to get my account unlocked and retrieve my funds, they repeatedly told me that hey " can not deal with account specific issues ''. I sent another email to support explain how much of a hardship this was causing me and once again asked them to reverse the transaction. 

I received no reply until today, Thursday XXXX XXXX. They again only tried to glean details regarding how my account may have been accessed and refused to address when I may be able to access my money or get it refunded. I have already provided as much information as I can in regard to their security question and stated as much. I only wish to get my money returned and have no interest in continuing to use their service. The irony behind the ordeal is that had I not reported the unauthorized transfer to coinbase I would have simply been able to transfer the money back to my bank account instead of having it withheld. 

The {$XXXX} debit overdrew my checking account by {XXXX} and I am accruing fees daily due to the overdraft. In addition to this, I will be unable to pay my XXXX rent, I 'm unable to buy groceries and I if this does not get resolved shortly I will wind up with a number of past due bills. 

Coinbase is holding my stolen money without consent or permission. I do not care if they close or disable my account but I need my money returned as it is causing a significant amount of hardship and additional costs.
Consumer complaint received 2017-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Over the past several months, I have seen my Credit Score drop almost 40 points from XXXX to XXXX!! 

After multiple inquiries, I can not get a response that would explain why my score has decreased. There has been NO negative factors that might account for this type of change.. ALL credit cards are PAID in FULL monthly, I have NOT taken on any new debt or opened new Accounts ... 

My wife 's score of XXXX as reported in XXXX has also seen a notable decrease ... 

This is outrageous and I am looking for your assistance in getting to the bottom of the issue ... I have to believe that if that this is happening to my wife and I with OUTSTANDING credentials, there an underlying and systemic problem requiring immediate attention.. 

Please let me know how I can help with this matter.. 

Best Regards, XXXX XXXX
Consumer complaint received 2017-10-23
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

XXXX XXXX has an a collection entry on my account that should be immediately removed. I have no contract with XXXX XXXX and they never had the right or authority to even collect from me. I told them to provide me with proof of any documentation on behalf of who they were collecting for and the reason why. I also asked them to provide me with the documented Bill of Sale giving them the right to collect on the original creditors behalf.They never provided me with ANY  documentation whatsoever. Then on top of that i didnt even know them. The original creditor was already paid to begin with so XXXX  XXXX had started sending me {$0.00} balance letters. My confusion lays with why would they keep sending me {$0.00} balance letters and calling that " Verification ''. Sending me a {$0.00} balance letter is not verification at all. Who 's verifying what? Where is the certified and signed bill of sale like i asked for? Where is the agreement that allows you to collect on behalf of the original creditor? Literally that keep sending me this Non Verifiable {$0.00} balance letter and thats not what I asked for. I NEVER even paid XXXX XXXX a dime because I knew I didnt owe them! Thats why they changed the balance to {$0.00} because I never even owed them. I had spoken to someone there and told them that there must 've been a mistake. One person told me they would remove it off all three credit reports, which sounded good. Then the later on told me they would not remove it even though I NEVER owed them a dime. I will not tolerate being treated this way and my lawyer will be contacting XXXX XXXX. They will either provide me signed contractual agreements which include the bill of sale from my original creditor to them, and also including my original contract with the original creditor or they will IMMEDIATELY remove this from my report. If they do not then litigation will proceed forward. I will not tolerate constantly being sent these single balance letters when my debt was never even established or verified by your company. and documentation of the verification was never given to me. You all never even sent me any form of agreement.

Also I XXXX XXXX told me they would investigate and get back to me about this and this was OVER 30 days ago. Which means they have passed the timeframe necessary to produce proper documentation.
Consumer complaint received 2017-09-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I am XXXX, a XXXX ( XXXX ) XXXX XXXX. In the past few years, I  have suffered numerous XXXX XXXX XXXX. 
I always had excellent credit, but reached a point of being overwhelmed. I had such a hard time coping that I was prescribed XXXX XXXX and still had a hard time facing it. By mid-XX/XX/XXXX, I decided to pull myself out of the hole. 
So, on XX/XX/2017, I contacted my longtime bank, Fifth Third, to advise that I was working with a XXXX XXXX XXXX at a XXXX XXXX XXXX and intended to resolve my credit card debt with them. I asked for The current balance. 
The rep demanded {$110.00} or said it would be " written off as bad debt tomorrow. '' When I said I did n't have that amount today, but might tomorrow, he repeated the info. So I said " you ca n't get blood out of a turnip '' and he said - AND I WROTE IT DOWN immediately " we can squeeze the rock as hard as we can. '' This is a DISGRACE.I He then tried to get me to agree to a settlement, when I had already explained I had a XXXX. 
Of all my creditors, the one who treated me with threats was my own bank? 
Fifth Third -- awful!!
Consumer complaint received 2017-09-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There are three old accounts that are not supposed to be reporting on my credit. In XXXX, I was laid off and unemployed for several months. I notified my creditors accordingly and while they still reported me delinquent on my credit, they agreed to work with me in the future once I paid back my debt. Only until recently in XXXX this year, I was finally able to pay off my accounts in full. Since I communicated my situation with my creditors for months, three of my creditors ( XXXX, XXXX and XXXX XXXX ) all agreed to request a deletion to the credit bureaus of my charged off accounts after I made my payments. The account number for XXXX is XXXX. The account number for XXXX is XXXX. The account number for XXXX XXXX is XXXX. XXXX months later, it is now XXXX XXXX and this credit bureau still has not honored my creditors ' request to delete these XXXX accounts from my report. I have disputed this delay with the bureau but they are responding back only stating that the accounts have been verified. That is not even my dispute. I know these were previously my accounts. I am disputing the fact that my creditor sent a deletion request and the credit bureau has not made any changes to my credit. Just to be sure I 'm not being given the runaround, I called all three companies, XXXX, XXXX and XXXX XXXX this week and they confirmed to me they already made the request for deletion to the credit bureau in XXXX. This is clearly a problem and this is why I am filing this complaint.
Consumer complaint received 2017-10-23
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX has an a collection entry on my account that should be immediately removed. I have no contract with XXXX XXXX and they never had the right or authority to even collect from me. I told them to provide me with proof of any documentation on behalf of who they were collecting for and the reason why. I also asked them to provide me with the documented Bill of Sale giving them the right to collect on the original creditors behalf.They never provided me with ANY documentation whatsoever. Then on top of that i didnt even know them. The original creditor was already paid to begin with so XXXX XXXX had started sending me {$0.00} balance letters. My confusion lays with why would they keep sending me {$0.00} balance letters and calling that " Verification ''. Sending me a {$0.00} balance letter is not verification at all. Who 's verifying what? Where is the certified and signed bill of sale like i asked for? Where is the agreement that allows you to collect on behalf of the original creditor? Literally that keep sending me this Non Verifiable {$0.00} balance letter and thats not what I asked for. I NEVER even paid XXXX XXXX a dime because I knew I didnt owe them! Thats why they changed the balance to {$0.00} because I never even owed them. I had spoken to someone there and told them that there must 've been a mistake. One person told me they would remove it off all three credit reports, which sounded good. Then the later on told me they would not remove it even though I NEVER owed them a dime. I will not tolerate being treated this way and my lawyer will be contacting XXXX XXXX. They will either provide me signed contractual agreements which include the bill of sale from my original creditor to them, and also including my original contract with the original creditor or they will IMMEDIATELY remove this from my report. If they do not then litigation will proceed forward. I will not tolerate constantly being sent these single balance letters when my debt was never even established or verified by your company. and documentation of the verification was never given to me. You all never even sent me any form of agreement.

Also I XXXX XXXX told me they would investigate and get back to me about this and this was OVER 30 days ago. Which means they have passed the timeframe necessary to produce proper documentation.
Consumer complaint received 2017-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (OR)

The public record / lien that was recorded ( Ref. # XXXX ) does not comply with the rules set forth in the National Consumer Assistance Plan that states that liens must have a full name, address, FULL social security number, and/or date of birth to be included on a credit file. The lien and subsequent lien release recorded does not include all of the required information to be included on my credit report.
The public record / lien ( Ref. # XXXX ) should not have been filed against me or included in my credit report, as I did not owe the State of Oregon personal income tax for the period ending XXXX XXXX, 2014. I received a personal income tax refund of {$180.00} from the State of Oregon for the year 2014. While the lien has been released, State of Oregon does not do lien withdrawals and is on my credit report.
I have included attachments regarding the liens and tax summary for 2014.
Consumer complaint received 2017-09-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WASHINGTON FEDERAL BANK (NM)

After discussing the property and current rates with Washington Federal XXXX I signed a rate lock at XXXX XXXX  on XXXX/XXXX/XXXX at XXXX and returned it to the bank. This morning, the bank manager for the branch in XXXX, New Mexico, XXXX XXXX called me and told me they were raising the rate to XXXX XXXX and said that it was because of the size of the property and the number of outbuildings. The outbuildings they are reffering to are non-permanent sheds on the property and the bank manager was aware of both the property size and the outbuildings when she gave me the original rate lock. I told her that I would be issuing a complaint with the CFPB and she said she would try to convince the underwriter to drop it to XXXX XXXX She also told me that if I wanted to proceed with the loan, I would have to accept those terms. We are not in a position to start shopping for a bank again as we are trying to close on this property as soon as possible to get our family of 6 out of a 2 bedroom rental property and have our property delivered from storage. The fact that they changed the terms when they already had all of the information on the property and had offered to let us lock the rate at XXXX XXXX  seems very unethical to me and I would like the CFPB to contact them with this complaint.
Consumer complaint received 2017-08-02
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MO)

Attached is you will find evidence of my fraudulent loan documents, which have been manufactured by my current loan servicer Ocwen Loan Servicing ( OLS ). Please see ( Exhibit A ) which is a copy of my mortgage Note assigning servicing rights from XXXX to GMAC, which appears to have been performed by a known Robo-signer, XXXX XXXX, A.K.A ( XXXX XXXX ), on behalf of GMAC, as Limited Signing Officer.
*See more information here regarding XXXX XXXX XXXX XXXX XXXX The name ( XXXX XXXX ) is on this Robo-signing list for GMAC mortgage assignments XXXX XXXX XXXX Info regarding Robo-signing issues and arguments Article which explains GMAC role, in regards to robo- signing scheme and why they did it!
XXXX XXXX XXXX Please see the two attached documents, draw your attention to the signatures of alleged Assistant secretary for ( XXXX ) named XXXX XXXX XXXX.Notice these signatures do not appear to be signed by the same person, however the documents indicate that it should be the same individual.Im not even sure that these Public Notary signatures are even legitimate the expiration of their commission Expires the same day XX/XX/XXXX, however, 1 year apart XXXX and XXXX.Both signatures for the notary XXXX XXXX XXXX, on the two separate documents appear to be manufactured, just like the signature for XXXX XXXX XXXX. These illegitimate signatures may possible invalidate my mortgage assignments of my mortgage from XXXX to Ocwen.
Consumer complaint received 2017-10-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (OH)

On XXXX XXXX my husband got a call from Ditech Mortgage that our payment was 111 days past due and we are in danger of foreclosure. I called to ask them what are they talking about and 3 days later after spending numerous hours talking to different very rude people it was explained to me that in XXXX of XXXX a check for {$2400.00} was credited to my mortgage. Ditech entered this amount twice. They had an audit in XXXX saw the error and their way of correcting it was to take my XXXX payment. I also was so far ahead on my payments that my XXXX statement said my next payment date is XXXX XXXX so the money they had to cover XXXX and XXXX they took that money as well. When this was explained to me I told her there is no way this could be legal because those were my house payments and now youre threatening foreclosure. She said they are willing to make my payments for the next year {$760.00} instead of the {$620.00} we are supposed to pay. It was their mistake and they fix it by putting a horrible hit on my credit score and a finically burden on me. Is this legal? Can they just get away with business practices like this?
Consumer complaint received 2017-08-02
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: Experian Information Solutions Inc. (FL)

this company have placed a inquiry on my credit report three times in one year and I did n't authorize any of it XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX
Consumer complaint received 2017-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (WI)

I am a victim of identity theft. I provided all necessary documents to Experian in XXXX XXXX to place an extended fraud alert on my file. They did accept my documentation, and placed the extended fraud alert on my file on XXXX/XXXX/XXXX. 

On XXXX/XXXX/XXXX, I called Experian to request a security freeze be placed on my file. The agent said it would cost XXXXXXXX}. I explained that my file with them already has an Extended Fraud Alert and in the state of Wisconsin, I am therefore entitled to place a security freeze at no charge. The agent told me I had to submit a police report. I told him they already have the police report from placing the Extended Fraud Alert. He put me on hold, came back and told me the police I submitted for Extended Fraud Alert wo n't work for the security freeze. What???? 

He would, however, be happy to put the security freeze on if I paid the XXXXXXXX}. It seems to me what they are after is the {XXXX}, not so much a police report. 

This certainly does not seem fair or logical to me. They are making it difficult for me as a consumer,
Consumer complaint received 2017-09-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (AL)

received a call from a friend today stating that HSBC called her to tell me i would be receiving a lawsuit paperwork and they needed to contact me to deliver. They also called both my sons from a blocked number with same information. then a lady called me and said I was being sued and they needed to tell me to be home monday ( they had my address XXXX to receive the papers. She gave me a number to call. No company name. I called XXXX and was told to give them a number -- XXXX which i did, they had my full name and social and said they were a mediatation company and that HSBC were sueing me over a debt I owed. They said they sent a letter in XXXX last year. I said I never got a letter.. I said I had a credit card in XXXX, but it was a time barred debt. They said I had made a payment in XXXX and they had 10 years to sue me for the debt and I said they did not and they hung up on me and that they were a mediatation firm. It is my understanding that I was living in california at the time and it was a 3 year time limit on consumer debt. I live in alabama now and it is 4 years. From what I see it is time barred. I also went back in some old files and found that I had responded to XXXX XXXX XXXX about a HSBC # XXXX acct they were trying to collect from a letter XXXX XXXX and sent them a certified letter which they did not respond to.sent XXXX of XXXX in which they alleged that I made a payment in XXXX, which I did not and looked at my old bank records going back to XXXX XXXX. Please help. I feel that they are scamming me on a time barred debt that was sold and was a zombie debt. thanks XXXX XXXX
Consumer complaint received 2017-09-29
Product: Credit card or prepaid card — Payroll card
Issue: Advertising — Confusing or misleading advertising about the card
Company: REGIONS FINANCIAL CORPORATION (WA)

I received a letter from Comdata XXXX XXXX, Comdata Inc., XXXX XXXX XXXX, XXXX, TN XXXX, www.comdata.com, XXXX, saying that Comdata is pleased to announce two new improvements to my Comdata Payroll Mastercard. Except that I do not have a payroll card, and my employer does not pay people at all through payroll cards. My check is directly deposited in my bank account every payday. I called the company at the number above included in their letter inquiring why I was receiving this letter if I did not have a payroll card and do not get paid via payroll card. They insisted my employer provided them with my name and address, and I would be receiving a payroll card. I told them I spoke with my employer and this was not the case. I again asked why I received this letter at which time they started asking me for additional personal information such as my employer, which I did not provide. I continued to inquire, and they refused to explain the situation and only repeated many times that my employer provided my name and address and I would be receiving a payroll card - which I repeatedly told them my employer said is not true. Comdata was completely unhelpful at best and directly ducking questions at worst. They ultimately hung up on me rather than trying to get the the bottom of things. I still do not understand why I received this correspondence, which is unsettling with all the credit breaches as of late. Thank you.
Consumer complaint received 2017-08-02
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CMRE Financial Services, Inc. (NE)

The debt collection agency, CMRE Financial Control is attempting to collect on a medical debt in the amount of {$330.00}. This agency is not Licensed to collect in the state of Nebraska per the Secretary of State and has made several attempts to contact me after i have asked them to please stop. This company is also in violation of my HIPPA rights ; as I did not authorize them to obtain any of my medical records. I have tried to rectify this with the company directly, but have been unsuccessful.
Consumer complaint received 2023-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (LA)

During the summer of XXXX. Discover closed my card due to being unable to verify my identity and told me I could reapply and just verify my identity then. It is now XXXXXXXX XXXX XXXXXXXX and I have tried applying to get a due to status of previous account. My account was closed by discover and now XXXX cant even reapply. None of the customer service agents know how to fix it and numerous have tried to walk me through the application process with the same rejection notice.