davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (NY)

Please see company 's response before I refute said false claims : XXXX XXXX XXXX indicated that the address associated with the claim 10 Page 2 XXXX XXXX XXXX, XXXX XXXX, NY was incorrect, and updated the address associated with the claim to : XXXX XXXX XXXX XXXX, XXXX, NJ XXXX. XXXX XXXX XXXX also verified that XXXX XXXX was the named insured and the vehicle operator for the claim in question, and that the claim is a personal injury claim from being rear-ended. We have updated XXXX XXXX XXXX . Auto report to reflect the corrected address provided by XXXX XXXX XXXX, and mailed a copy of the updated XXXX . Auto report to XXXX XXXX for his review. The address associated with the XXXX . Auto claim in question XXXX XXXX XXXX XXXX, XXXX, NJ XXXX has been reported to LexisNexis by a variety of sources, including the nationwide consumer reporting companies, with XXXX XXXX name, date of birth, and social security number. The address was also included with XXXX XXXX social security number, as provided to our office via our online consumer disclosure portal when requesting copies of his consumer reports, and on the full bankruptcy docket for a bankruptcy XXXX XXXX filed in 2012 while residing in New Jersey. If XXXX XXXX believes the social security number we have on file for XXXX XXXX is incorrect, we encourage him to contact us directly so that we may verify his correct social security number.
Consumer complaint received 2017-08-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc (CA)

I am corresponding to you to report a flagrant violation of the FDCPA by this company pertaining to an erroneous account this company has persevered with reporting on my credit report. On XXXX XXXX, 2017 this company received a letter from me where I disputed the accuracy of the account they have reported on my credit report and asked that they either provide me with document I signed that makes me liable for the debt or delete the account from my credit report. The company has done neither and in violation of my rights have kept reporting this account as a valid account on my credit report.
Consumer complaint received 2017-08-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (IL)

The company is coinbase. I have an account with them that was working fine 3 days ago that was Tuesday XX/XX/XXXX. I have money in my coinbase account and suddenly the account says its disabled ( says I need to show id and proof of address ) I have those but support is not answering me anything. These gets me really nervous. I try every posible way email, web page, XXXX and nothing. I dont know what else to do. I have XXXX with them now I dont have access to them or even know if my funds are ok. Please help.
Consumer complaint received 2017-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (WA)

I cancelled my chase credit card nearly 6 months ago. At least I thought I did. Turns out it was used for an online purchase I made by mistake in XXXX. The payment should have never gone through but apparently they did n't cancel the card. Anyways I did n't get any notification of the payment because the emails were going to my junk email. I was notified by XXXX XXXX yesterday (XX/XX/XXXX ) that I had a delinquent account. I paid it immediately. I attempted in the morning ( XX/XX/XXXX ) to ask Chase to remove the negative remark from my account. They informed me the federal government requires them to report negative actions according to the fair credit reporting act. I found out that was n't true. A few hours later I called them back to discuss why they had lied to me. I attempted to record the phone call and they refused to talk to me because I was recording the call. I refused to stop recording and ended the call
Consumer complaint received 2017-08-21
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ROC Asset Solutions, LLC (CA)

I received several calls from someone named XXXX stating she was from API and was trying to get an statement from me or my attorney. They called my brothers and told them that I listed them as a reference ( LIES! ). I finally called back and they were threatening to take the matter to court to garnish my wages if I did n't make a down payment by the end of the month and monthly payments after that. The debt is real but after reading this is speaking with my mom who had the same experience with them, I now know that this is a scam. My mom was telling me to XXXX them but all that came up were several complaints of a scam with the same or similar stories. I called back to get an address and the address provided led me to a XXXX XXXX. I called back to verify that I copied the address correctly and was reassured that it was correct. When I asked him if they were located inside a XXXX XXXX I was told they were next door to XXXX although the address was the same. I called the XXXX XXXX associated with that address and I was informed that they supposedly had a box inside the store, but if that is true, why was I told they were next door? SCAM SCAM SCAM!!!!
Consumer complaint received 2017-03-03
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am a customer of Capital One bank with a credit card account, my credit card expired and I never got a replacement card. In XX/XX/2016 someone or persons purchased items using my credit card. I worked through the issue with Capital One. The aggravation and lost time prompted me to ask for my account to be closed. 
They zeroed the account and then reissued a credit card to a person who called in with a change of address. That person charged more items and no matter what I do they do n't hear me. Every contact I have had with Capital One I have emphatically stated " Close MY Account. '' I asked for the proof that it was me who purchased the items. They have none. They will not set up an investigation. " Is there is nothing I can. '' Please Help
Consumer complaint received 2017-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP (MO)

Reason : 1. Get U.S. Bank written approval letter for purchase gift card on XXXX XXXX. The account was closed on XXXX because I purchase gift card. Request : The U.S. Bank ( the Bank ) has closed my credit card account because " excessive or patterned purchases of cash equivalent '' in Cardmember Agreement, but the define of " excessive or patterned '' are not clearly stated. A large number of account closed cases indication that the Bank is not ready to issue high return rate credit card, but they ca n't change terms in first year because law prohibit, so it looks the Bank try to using fuzzy Cardmember Agreement terms to evade its own legal responsibility and fraudulent to user deserved Rewards, these term allow the Bank can arbitrarily close the account and refuse to pay any of legal customer rewards. For example, they can say {$1.00} is " excessive '' amount, so close the account. Moreover, for a frequency business travel in between of two city, the ticket full price always same, so they can say it is " patterned '' Futher, the maximum amount of gift card is {$500.00}, so if user necessary totally {$1000.00} gift card, the user have to split purchase into two of {$500.00}, they also can say it " patterned ''.
If you wanted, we can find more similar scenario. In my case, my business trip need booking over {$3000.00} tickets per month, so I think {$2000.00} is not a large amount for my personal business travel ( please remember, the Bank give my {$21000.00} credit limit ). For avoid risk, I contact the Bank customer services to explain why and how to use these gift card in before more purchase, the Bank written approved these gift card purchase, but the Bank suddenly closed my account after I purchase gift card. I am heared many similar stories in near days ( for example, my friend 's account was closed because he purchase a XXXX {$2000.00} laptop with his U.S. Bank credit card ). I was request them answer above details by help OCC help in XXXX, but the Bank are arrogant not to answer, the Bank simple response as " decision was unchange '', I have reason to believe that the Bank did not read the above questions before response to OCC. I would like request CFPB to review these Cardmember Agreement to save more victims, and I also want the Bank to release explain the specific definition of " excessive or patterned '' ( and all of fuzzy terms ) to the publlic field, and also mail it to every customer to avoid the Bank abuse on Cardmember Agreement.
Consumer complaint received 2017-08-21
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: Bread Financial Holdings, Inc. (TX)

I have contacted Comenity Bank in regards to 2 Inquiries made on XX/XX/XXXX & XX/XX/XXXX & was advise they do not show in their system. However I contacted the Credit Bureau XXXX who shows inquiries on my report & XXXX advise Commenity must send them a letter to have the inquiries removed. I have several accts with Commenity and those are fine, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX .... there are 2 Inquiries that was not authorized on the dates I provided please research and have remove
Consumer complaint received 2017-08-21
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ad Astra Recovery Services Inc (CA)

I did not receive any notification that this debt was sold to AD Astra Recovery Services nor was I able to confirm or deny this debt is valid. Additionally, the debt was removed from my credit report in XXXX  2016 and now has reappeared. The debt does not meet the requirements set forth by The Fair Debt Collection Practices Act ( FDCPA ) and The California Fair Debt Collection Practices Act ( CFCPA ).
Consumer complaint received 2017-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (PA)

This past weekend and again today I tried to get my free annual credit report online from Equifax. Each time I was provided a text box that stated I could not get an online report. I tried to use two different browsers and got the same result. I thought each of the three reporting companies is supposed to provide a free online or paper report. I want the electronic version. Is a specific browser needed or does Equifax have a temporary problem?
Consumer complaint received 2017-08-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (AZ)

I checked my XXXX report and noticed that I was being penalized for owing a debt that did not belong to me. The representative from XXXX informed me that the debt was in the name of a " XXXX XXXX '' and my name is XXXX XXXX. They told me that I could dispute the claim and that they would get in touch with Ability Recovery Services , LLC to correct the issue. I also called ARS and gave them my name, DOB and Social Security number and they informed that there were no debts that I owed them. They also told me that the " XXXX XXXX '' did not have a birth date nor social security number on file. I received an email from XXXX today saying that ARS replied to my dispute and stated that there was no error and that I owed them money. I am struggling to understand how it is ethical to ruin someone 's credit report when there is no bill with my name, DOB or social security anywhere in their records but they report to XXXX that I owe them money with absolutely no proof.
Consumer complaint received 2017-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (WA)

I applied, and was approved for the XXXX XXXX XXXX Credit Card from American Express on XXXX XXXX XXXX. The card had a bonus offer of XXXX XXXX XXXX points after spending {$3000.00} on the card within the first 3 months. I completed this {$3000.00} spend by the end of the 3rd billing cycle XXXX XXXX XXXX the XXXX ). The agreement states the following : " XXXX XXXX XXXX XXXX will be credited to your XXXX XXXX account 6-8 weeks after the spend requirement has been reached. '' It is more than 10 weeks since I completed this spend requirement and I have not still received the XXXX XXXX XXXX points bonus. I have called American Express 4 times regarding this, they have escalated this issue 3 times however they have not done anything about it. American Express has clearly violated their end of the agreement and I would greatly appreciate if the Consumer Financial Protection Bureau would help me settle this matter. Thank you very much.
Consumer complaint received 2017-07-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (WV)

On XX/XX/XXXX, I sold XXXX BTC with my account with Coinbase. Per their confirmation email, I was to receive {$1100.00} USD in my bank account no later than Thursday, XX/XX/XXXX. I did not receive the deposit.
On XX/XX/XXXX, I submitted an online support ticket asking where the deposit was. I have received no response.
On XX/XX/XXXX, I sent an email to Coinbase support asking where the deposit was. I have received an email thanking me for submitting my request, but have not received any additional response.
On XX/XX/XXXX, I sent a direct message to Coinbase Support via XXXX. I have not received a response. 
On XX/XX/XXXX, I sent a direct message to Coinbase Support via XXXX. I have not received a response. On XX/XX/XXXX, I sent a direct message to Coinbase Support via XXXX. I have not received a response. On XX/XX/XXXX, I sent a public " XXXX  '' to Coinbase CEO XXXX XXXX. I have not received a response. On XX/XX/XXXX, I called Coinbase 's only advertised phone number, which is their Fraud Prevention line. I left a message and have not received a response. I know my bank account is able to receive deposits from Coinbase because I have received other deposits, including one since the sale on XX/XX/XXXX. On XX/XX/XXXX, I initiated the sale of all other crypto-currency Coinbase was holding for me and I received that deposit on XX/XX/XXXX.
The money was supposed to be in my account on XX/XX/XXXX at the latest. It has been 8 business days since the sale and 5 business days since I was due to receive the money. Where is the money? Where is the customer service? At this point, I am considering this to be fraud. Please advise.
Consumer complaint received 2017-04-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: NAVY FEDERAL CREDIT UNION (FL)

I had opened a new account  with Navy Federal Creidt Union a fter it had closed out. I knew I owed money so I asked the teller if I had to pay anything additional and I did. The amount was {$200.00} for an overdraft fee so I had paid for it. I also owed money for my car loan which was about the same {$300.00}. I paid for that also. After paying he said I 'm in good standing with the bank and there would n't be any issues going forward. So then I proceeded to put {$1500.00} in to my new accou nt. Two days lat er I was looking to pay for something and I noticed all of my funds was gone. I noticed this happened on  XXXX / XXXX /  XXXX  . They never gave me a warning and I never gave them the ok to take money out my account or have I signed any information saying that I ever will allow automatic transfers when I started the new account. I also never signed any paperwork starting this new account. This debit collector just took money without any of my acknowledgement and put me back on a few bills because of it even after me attempting to receive a portion of the money back to still put down on the amount that was lost. I talked to the head of the person that took the amount and they were extremely rude. She did n't care that I needed the money for my son and for rent. She literally told me that it did n't concern her and she have other people calling with more important issues then the one I 'm having then she hung up.
Consumer complaint received 2017-08-04
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: EQUIFAX, INC. (TX)

XXXX IS REPORTING XXXX XXXX ON MY CREDIT REPORT. I HAVE ASKED FOR VALIDATION OF THIS DEBT IN WRITING TO ME FROM XXXX. THIS ACCOUNT IS PAID IN FULL AS A TITLE LOAN.
Consumer complaint received 2017-08-04
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. (LA)

During the loan I had late payments as I got near to paying off loan I requested that late payments be updated in agreement with paying loan off early. XXXX XXXX representive agreed to update my account status but informed me that it would take 30 days. I agreed for payment to post to pay of account XXXX XXXX 2017. I currently applied to pre qualify for a home loan and was informed that late payment was still on credit report. At this time I contacted XXXX XXXX and have received the worst service which I feel its because I do not have a open account being transferred from person to person being placed on hold for extended periods of time on several occasions from XXXX 2017 to XXXX XXXX 2017 DAILY. This company has provided me with the worst service and refuse to honor agreement 1. Because I am no longer a customer ( But offered to consider removal if I was applying for another home loan through XXXX XXXX ). 2. I 'm a XXXX XXXX Veterans that suffers with XXXX, XXXX XXXX and other XXXX XXXX which is triggered when I 'm spoken to aggressively which the representative have done repeatedly. 3. As a XXXX XXXX XXXX they show no concern for anything i have to say but I have listen to them talk to other XXXX customers and they are very respectful and courteous. I continue to ask that my late late payments be removed as agreed upon and honor my request quickly.
Consumer complaint received 2017-08-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (WI)

When I closed my account with XXXX in XXXX, I paid them the total due upon closing and they guaranteed that was the final bill, even though it was double my monthly for some long winded reason, I paid it, just to close the account. A few months later they showed this new amount still owing {$110.00} which I have no record or recollection of. This is plain extortion by big corporations like XXXX, holding people 's credit hostage for unjustified and fake collections. This should be removed from my credit report or copy me on the original date and itemized bill for this amount as this is NOT from XXXX, not even close!!!
Consumer complaint received 2017-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I have been paying off XXXX credit card ending XXXX last week since I am in the process of refinancing my mortgage. But credit Bureaus are not reflecting this paid off. I want credit bureaus to update my credit profile ASAP since it impacts my interest rate. I have attached the proof.
Consumer complaint received 2017-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

During the loan I had late payments as I got near to paying off loan I requested that late payments be updated in agreement with paying loan off early. XXXX XXXX representive agreed to update my account status but informed me that it would take 30 days. I agreed for payment to post to pay of account XXXX XXXX 2017. I currently applied to pre qualify for a home loan and was informed that late payment was still on credit report. At this time I contacted XXXX XXXX and have received the worst service which I feel its because I do not have a open account being transferred from person to person being placed on hold for extended periods of time on several occasions from XXXX 2017 to XXXX XXXX 2017 DAILY. This company has provided me with the worst service and refuse to honor agreement 1. Because I am no longer a customer ( But offered to consider removal if I was applying for another home loan through XXXX XXXX ). 2. I 'm a XXXX XXXX Veterans that suffers with XXXX, XXXX XXXX and other XXXX XXXX which is triggered when I 'm spoken to aggressively which the representative have done repeatedly. 3. As a XXXX XXXX XXXX they show no concern for anything i have to say but I have listen to them talk to other XXXX customers and they are very respectful and courteous. I continue to ask that my late late payments be removed as agreed upon and honor my request quickly.
Consumer complaint received 2016-10-03
Product: Payday loan — 
Issue: Applied for loan/did not receive money — 
Company: Acceptance Solutions Group, INC (TX)

I responded to an email approval for a payday loan through Acceptance Solutions Group and was approved for {$600.00}. I received a response for a loan associate named XXXX for how much I wanted and I agreed to {$300.00}. XXXX then asked for my address, email, banking information, and debit card number. I sent the requested information back and was told I should receive the funds that day or the next. I did not receive the funds and first XXXX stated the underwriters did not approve at that time but did after I was sent the forms and electronically signed them already. After a week XXXX finally told me they sent the money to an old XXXX account the pulled from previous data instead of the information I sent her and she requested in an email. XXXX never sent the money back and was credited to the old account. Now I assume they want to charge me for their mistake. I never completed an updated application, I have not had that XXXX account in over 6mths, and I still have not received any money ye they are still trying to charge me. I can not get XXXX on the phone now.