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

I received an email from Coinbase advising me that my account had participated in " unauthorized transactions, '' and that they were forcing my account to close. I was directed to transfer funds away from my Coinbase account. I transferred BTC and ETH balances, but the USD balance is unable to be transferred because I have n't added a bank account to my profile. The system will not allow me to add a bank account because it is forcing the closure. I have submitted a ticket with Coinbase ( a month  ago, with no response ), and the automated system for " self-help '' does not address this issue. I have USD sitting in this account which they will not release to me, or even acknowledge.
Consumer complaint received 2017-09-09
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Focus Holding Company (CA)

Credit report showed this company had placed my 'account ' in collection status. I was never notified of any letters/documents that pertained to this 'owed amount '. Below is what appeared on my credit report. 


Collection Accounts Collection Accounts Accounts in collection status FOCUS MGMT  Condition : Open Date Opened XXXX Balance {$190.00} Type : unknown Pay Status : Collection/Chargeoff
Consumer complaint received 2017-01-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (CO)

This is a complaint against PHH Mortgage for holding money in escrow that was deemed to be used for repair of hail damage to our residence that occurred on XXXX XXXX, 2016. PHH Mortgage is currently holding over {$12000.00} that was sent to us from our insurance company since XXXX 2016 and even though we have contacted them on numerous occasions they still will not release the funds. There excuse is that they needed documentation in order to reconcile the amount that has been paid by the insurance company with the amount that that was estimated by our general contractor. Documentation from both the general contractor and insurance company has been sent to them on more than one occasion and they are still " dragging their feet ''.
Consumer complaint received 2017-09-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo had reported me to XXXX XXXX XXXX XXXX years ago because of numerous overdraft fees. I told them to close my account because there was an unauthorized transaction that came through and the bank knew I didnt have the money. They have also violated federal laws in issuing these fees. I had signed the agreement that stated not to overdraft my account.
Consumer complaint received 2017-09-09
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. (VA)

Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts. 

Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change. 

Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news linksto the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if  it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.
Consumer complaint received 2017-01-19
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: SYNCHRONY FINANCIAL (NJ)

I incurred debt on a WalMart Mast Card. I have financial difficulties and XXXX XXXX XXXX , XXXX set up 6 months of payments at {$150.00} per moth for 48 months. They made me do this via automatic withdrawal from my bank account. I have to re-set this up every 6 months with new check numbers. Last month they took the {$150.00} with chk # XXXX. Then 3 days later they took another {$150.00} without my permission from WalMart ACH online. I repeat, I did not do anything online. I called my bank and filled out a form and I got my {$150.00} back. Now for this months payment on XX/XX/XXXX they took out {$150.00} again and it says WalMart MC ACH. There was no Chk # XXXX. So yesterday, I called the number given to me and after speaking with XXXX people I was told that my amount due was paid in full for this month and it should be fine. So, today I went online to my bank and saw that I was charged {$30.00} for NSF because they tried to take out another {$150.00}. After a long conversation with my bank. I decided to go ahead and pay ( the bank ) {$20.00} to stop them from trying to take Chk # XXXX again and another {$20.00} to stop future WalMart MC ACH withdrawals. I then called The WalMart MC Customer service number on the letter I get each month. and all the girl kept saying was that I was not enrolled in their automatic withdrawal. I then was transferred to another guy and I explained this all over again and he eventually put me on hold for a while. While on hold, the phone was picked up at two different times and they ended up hanging up on me! I am very frustrated. Each and every time I call they say that it is recorded for debt collection purposes. Is there some way I can be helped. I do not want to pay extra money that I do not have.
Consumer complaint received 2017-01-19
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

This card issuer is reporting that I had an account with them over seven years ago, that it long ago sold off the debt, that it has no information on the account. Then I wrote the creditor a letter asking for proof of what they were reporting and nothing was provided. Then I disputed the debt with all XXXX credit reporting agencies to whom the card issuer reports and the card issuer stated that the information was reporting correctly. The creditor did not even mark the debt as 'disputed ' as required by the FCRA XXXX It is a violation of California 's Rosenthal Act to verify something as correct as appearing in the credit bureaus unless the creditor has some documentation to back up what it is reporting.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (TX)

I currently have my student loan through navient and have had several issues with them and have come into times were I was unable to make the monthly payment and was told I should do the forbearance, I have been told several times if I can not make the payment that month I can reapply for the forbearance again and place my account on hold. I have made payments plenty of times and it seems as if because of the interest my loan never goes down. Can you please contact me regarding this issue, I feel like this loan is never going to go away even though I 've made payments.
Consumer complaint received 2017-09-09
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. (NC)

On XXXX XXXX 2017, Equifax 's data center was breached. It was not until a full 29 days later that Equifax made this information public. 

My social security number, address and full name have been made known to people who should not know that information. This is a permanent problem. For the rest of my life, I must now watch my credit like a hawk, wondering if today is the day that someone opens an account in my name and ruins my chances of getting a loan, buying a car, renting an apartment or buying a home. 

This problem will never go away. And this affects 60 % of the adult population of America.
Consumer complaint received 2017-01-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS) (MA)

There is a fraudulent account showing on my Chexsystems report with XXXX bank. This account was opened fraudulently in my name. I have attempted to contact Chexsystems on the number that I found on their website and have not been able to get a hold of anybody to resolve this matter. I have filed a police report and I am trying to get it to Chexsystems and have been unsucesssful.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (PA)

I was working on getting my loan payment lowered. After reaching a number I had.to give my debit card number. Once I did that the employee had to play a recording about terms and conditions. Before that I heard him clearly laugh out loud to his coworkes and say I got him to use a debit card. This concerns me. When I confronted him about it he stumbled upon his words before making some excuse up about its less paper work since its a debit vard and he was happy about that. I am worried he directed into some payment plan that will hurt me instead of help.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

To whom it may concern. I have been reported by a commercial credit card company as no payment charged off. Commercial card # XXXX XXXX XXXX XXXX I have attached in fact that the debt was paid. Despite my efforts to reach out to Equifax they have refused to update my credit profile. I have formally sent them a letter via usps and they have ignored my request. I would like for this to be published. 

In addition I have sent Equifax a 609 letter to dispute requesting information that is reported on my XXXX  XXXX XXXX  XXXX XXXX XXXX They have again, denied verifying the accuracy of the information. They haven't provided bank information, accurate contact details like phone number or account,
Consumer complaint received 2017-01-01
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL (TX)

On XXXX XXXX, XXXX I requested copies of my monthly statements for the period of XXXX, XXXX and XXXX XXXX since I have n't received my statements. I have logged into the online service where both my old / closed Walmart account appeared and my new Walmart MasterCard appeared. But for whatever reason Synchrony bank removed my Walmart MasterCard from being viewed denying me access to view charges, interest and any transaction posted to the account. In other words denying the same right given to other regular customers who receive timely access to their monthly statements. I received a response or XXXX dated XXXX XXXX & XXXX, XXXX advising me that they would make every effort to resolve my inquiry in a timely manner. We are now in XXXX XXXX and I have not received those statements. This week I logged in to see if I had my access to the account reinstated but nothing has changed.
Consumer complaint received 2016-10-05
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (GA)

My husband wrote a personal check from his XXXX account to my wells fargo account. for {$1000.00} my receipt stated the funds would be available XXXX XXXX, 2016. On XXXX/XXXX/2016 the {$1000.00} from my husband account cleared the check XXXX XXXX. When I checked my wells fargo account it stated there would be a hold on the check until XXXX XXXX, 2016. When I contacted XXXX XXXX to understand the delay, I was given no reason why my deposit would be delayed 2 weeks when the money had already been deducted from my Husnands accont. after numerous calls to wells fargo and a visit to the local branch I received a letter yesterday XXXX/XXXX/2016 stating that the account on which the check was written which is highly inaccurate as my attachment will attest. as a result I have suffered extreme hardship due to this mistake by Wels Fargo and have had to cancel my travel plans and appointments which have to date cost me {$190.00}
Consumer complaint received 2017-03-28
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: SYNCHRONY FINANCIAL ()

I am a short-term XXXX during XX/XX/2012, I have been in the store of Banana Republic at XXXX to buy goods in the second half of XX/XX/2012, I was paid the bills by XXXX XXXX XXXX credit card, The clerk advised to apply for a discount card, This will be more cheaper, But I do n't know this is a credit card, but also use this card to pay the part of the clothes of the bill. I have come back to XXXX for nearly three years. I rented a house in XXXX, followed by a XXXX rental. Unexpected, We met at an XXXX in XXXX, He told me, A letter of credit card payment was often sent to this address. I do n't know how to solve this matter now. 
I would like to declare the following : ( 1 ) I do n't have subjective intent owe the bank money, ( 2 ) I love America, I had the best time of my life in America, ( 3 ) I did n't know it was a credit card, I thought it was a discount card ( 4 ) I 've never used this card except to pay for the clothes in the store ( Because I paied with XXXX XXXX XXXX credit Card, I did not know that I might use Banana Republic credit card pay the part of the bills ), ( 5 ) I want to repay the balance of the clothes shop, But I ca n't afford an expensive default. 
( 6 ) I do n't have this credit card, and I do n't know the number of the card ( 7 ) After know this matter, I contacted with Banana Republic, they tell me to connect with the bank, but i do not know XXXX, and i do not know the card number. 
( 8 ) please help me, I do n't want to be a debtor. 
please Contact with me Email : XXXXXXXXXXXX and my passport number XXXX and SSN : XXXX
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: HEARTLAND PAYMENT SYSTEMS INC (IL)

Campus Partners handles a loan I made thru XXXX University. I thought the loan was paid in full because I was making payments for several months without any getting any statements. 

Yesterday, XXXX/XXXX/17, I ran a credit report and discovered there is about a {$500.00} balance. I went to the Campus Partners ' website and it showed I have been sent to collections and that my mailing address is invalid. I called Campus Partners today, XXXX/XXXX/17, to try to get this cleared up and resume payments. I spoke with XXXX. Campus Partners refused to give me any information and said I have been sent to collections. They stated my address is invalid. They gave me a phone number to call and would not provide any assistance or any any questions. They also said I need to go to the post office to fix my address issue. 

I have received nothing in writing, no email, no phone call or any information about the status of my loan or the current balance. I have been at my home for over 13 years, no contact information has changed. I have had the same email and phone number and address. I went to Campus Partners website after I called them today to confirm again and the notice of the invalid address is now gone, and I still can not get any information. 

I have had no other difficulty receiving information from other companies and have excellent credit and have never been late on any payments. 

I have not received any notice of a current balance ; No notice that my payments were behind ; No notice that I have been sent to a collections agency, or a validation statement from this collection agency. Campus Partners could not tell me the last time they even sent me a statement. I was told my only recourse was to write a letter to a XXXX and again to go to the post office. I told Campus Partners I was going to report them. 

The actions of campus partners is unlawful under the Fair Debt Collections Act and wrong. I have screen shots of my address showing as invalid yesterday and now today ok after calling ; showing they went and changed my account information. If my address is invalid why are they changing the status on my account after I called. I also have a stack of statements from Campus Partners to my address, showing that I can receive information from them in the mail. I have also included a screen shot on my payment history from XXXX. 

I want to continue to make payments on my student loan. I want my credit cleared and I want to prevent this from happening to other people. I have n't moved, avoided payments or done anything wrong. I should n't have to pay late fees or have my credit rating impacted my their poor practices. They need to be investigated.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (VA)

I have been dealing with navient for almost two years and they are the worst when it comes to customer service. No one there I have spoken to have ever been on the same page and ca n't ever tell me what I owe exactly. I have tried to get them to work with me in lowering my payments but instead I was told I would have to pay the amount I 'm paying. I was approved in XXXX to defer my payments till XXXX and I still got collections letters in the mail from navient.
Consumer complaint received 2017-09-09
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. (IL)

On XX/XX/XXXX I found out that a company named Equifax somehow had access to my SSN and credit card information. I also found out that they somehow lost this, and HALF of my fellow countrymen 's information too. I also found out that this had also happened on a much smaller scale months ago. Equifax refused to implement the proper security protocols to change their vulnerability and now has lost half of the USA 's populations most important information. The worst aspect of all of this is that Equifax executives sold almost {$2.00} XXXX in stock sales following data breach back in XX/XX/XXXX. So while they profit, the people affected by this breach sit and wait for a con artist to steal our identity. So what do I do now? I ca n't change my SSN. Our country refuses to have a national ID. I simply have to wait for someone to use steal my identity. SSNs were not intended to be used for identification purpose. They are about the least secure form of identification possible. Equifax must pay for their lax security, executives greed, and indifference towards the US citizens information.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: SLM CORPORATION (CT)

I am a cosigner on XXXX Sallie Mae/XXXX loans and have been in dispute with them for about 2 years. I will be brief. 
Payments were made during the student 's college years equal to or greater than the amount of the monthly interest so that principal would remain at v\borrowed amount. 
After XXXX, wehn the repayment period began monthly invoices began to come stating " Amount Due '' and whatever the figure was - and " Minimum Due '' as XXXX. I called literally dozens of times asking how minimum due could be XXXX and never got a consistent answer. Scripted call center workers could not answer even the most basic loan servicing questions. 
At some point I escelated this inquiry to a manager who explained that all of the payments I made over the years were put to " Pay Ahead '', an option that allowed the student more flexibility after XXXX. I explained that is was my understanding that this was paramount to escrowing my monies, which had never been disclosed. If it had been escrowed, I was owed interest and that I wanted the payment history recalculated to show the payments applied correctly against accrued interest and any overages should have been applied to principal. 
After 18 frustrating months and countless phone calls they have finally sent me XXXX pages of history. Keep in mind they had promised this paperwork at least 10 times before it actually happened. They had not really taken me seriously until I explained I had sought legal counsel and that my attorney needed these papers for forensic accounting. 
My daughter and I have paid for numerous 90 day forbearance periods while I try to sort all of this out. 
I am looking the CFPB for some help.
Consumer complaint received 2017-01-19
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY (NY)

I had a insurance check that I deposited in my TD Bank checking account and once it cleared I transferred the money to my TD Bank savings account. I was making purchases to replace items stolen from my home. As I was making the purchases I would transfer the money from my savings to my checking account. I made several transfers because I did n't want to keep the money in my checking account. Today I was checking my online statement and notice nine Excess Tax Fee 's @ {$9.00} a piece applied to my savings account. When I contacted TD Bank I was advised by the customer service rep. that the Excess Tax Fee was a Federal regulation and it 's nothing he can do. I explained to the gentleman that I had no knowledge of the fee and he reiterate what he just explain to me. What is so troubling about the whole thing is that when I reached the maximum number of transactions before the Excess Tax Fee was charged to my account, the online system never gave me a warning that I have exceeded the six transactions and a fee will be applied. Consumers should be notified that regulation is in place. I have never heard of this until today.