davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

On XX/XX/XXXX, 2017, I sent a payment of {$10000.00} from my bank to Coinbase Inc. <P/>On XX/XX/XXXX, the transaction was shown as complete in my bank account, but the new balance was n't reflected on my Coinbase account. <P/>On XX/XX/XXXX, I realized that I sent the payment as a next day ACH transfer to Coinbase 's wire transfer routing number. I created a support ticket with Coinbase ( case ID XXXX ). I also contacted my bank to have them recall the ACH transfer, and contacted Coinbase to get instructions on how to get the money back into my bank account. I provided Coinbase with a trace number to track the ACH transaction. <P/>One XX/XX/XXXX, I received a response from Coinbase support with the following message : " Thank you for confirming it was an ACH. Unfortunately, these types of deposits are not currently supported. Please work with your bank to request the funds be returned. Once we received the request, we will process the return and the funds will arrive back to your account within several business days. '' On XX/XX/XXXX, I received confirmation from my bank that they had sent the recall request to Coinbase, and were waiting for a response. <P/>I subsequently contacted Coinbase 's support team through my support ticket on XX/XX/XXXX and XX/XX/XXXX, and also through XXXX @ CoinbaseSupport on  XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, to get a response. To date, I have heard nothing from Coinbase 's support team, and have not received the {$10000.00} back in my bank account.
Consumer complaint received 2017-07-10
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ditech Financial LLC (WA)

Ditech Financial LLC is the 5th lien holder of this disputed debt. In XX/XX/XXXX, I purchased a house for {$250000.00} through a bank in NM. That loan was sold to XXXX, which then sold it to XXXX XXXX XXXX, which then sold it to Green Tree Financial, which then sold it to Ditech Financial. The debt was sold four times through XX/XX/XXXX. By XX/XX/XXXX, I made the decision for my XXXX children and me that we could no longer afford to live in the house. I was borrowing from family and living on credit cards in order to make the mortgage payments. I notified XXXX XXXX XXXX that I would be unable to continue to make mtg. payments, but would attempt to remedy the situation. I made efforts to rent the house through a rental company which specialized in this type of transaction, due to the state of the economy, there was n't the market for such a large property. I made sure that the septic system was cleaned, swamp cooler serviced, termite inspection done, furnace serviced, guest house rooms freshly painted, shrubbery trimmed. We also left a usable refrigerator in the garage and the house cleaned when we left. I left the house keys with the next-door neighbor, and notified XXXX XXXX XXXX that 's what had been done. Within a few days, men came from XXXX XXXX XXXX (? ) /Green Tree (? ) -- got the keys from the neighbor, went through the house, changed the locks, then exited. I contacted Green Tree and tried to work through that company to resell the house via their specific division, but was notified by them that since I had moved from the house, I was considered an absentee landlord and they could n't help me! What a joke! I then tried to sell the property through a realtor that specialized in short-sells, verified with Green Tree that I had all of the paperwork, it was all vetted, we had a buyer who was ready to sign the purchase agreement -- of course it was a lot less than the $ XXXX, but it would have saved the property and me. That day, both the realtor and I were notified by Green Tree that the house was being put up for sheriff 's sale and the realtor and I were out of the picture. The house was sold at sheriff 's sale -- by Green Tree to Green Tree -- for {$200000.00}. It was then resold to another buyer. At some point after that, Green Tree sold the loan to Ditech Financial, which really just might be Green Tree/XXXX XXXX XXXX XXXX XXXX XXXX XXXX DBA Ditech Financial. I was sent a Capital Gains Statement for my XX/XX/XXXX income taxes in the dollar amount of {$180000.00}. We had no gains from this whole nightmare, only losses on top of losses.
Consumer complaint received 2017-07-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Premier Student Loan Center (MN)

I registered for loan consolidation with Premier Student Loans XX/XX/XXXX. When I signed up on XX/XX/XXXX I was told in an email and on the phone there was a 10 day cancellation window. If I cancelled within that 10 day window the consolidation would be cancelled and all of my money would be refunded. I signed up XX/XX/XXXX and cancelled by phone and by email on XX/XX/XXXX. ( Still within that 10 day window. ) My money was refunded back in XX/XX/XXXX and I was told via phone that the consolidation had been cancelled after I did not receive a response from my email. Earlier today I called XXXX XXXX XXXX to start a payment plan to begin paying back my loans with XXXX XXXX. When I spoke with a representative at XXXX XXXX I was told my loan had been consolidated by XXXX. I guess Premier Student Loans transferred my loans to XXXX after I had already cancelled?? And my loans were still consolidated against my will. I called XXXX XXXX at Premier Student Loans and notified him of the error. He told me it was their mistake and that the consolidation should never have went through as they noted I cancelled within the 10 day window. I then spoke to his supervisor XXXX XXXX and she also told me that it was their mistake and that they were sorry but the consolidation has already went through and it was too late. I am very confused and upset as I clearly followed all of the guidelines to cancellation and because of their negligence my loans were consolidated against my will. I did not receive any notice in the mail for any of this consolidation, so I am just finding out today of this unwilled consolidation.
Consumer complaint received 2017-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

I applied online for the Bank of America XXXX XXXX Signature Visa and all of the benefits that come with that specific card. I was instead automatically approved for an XXXX XXXX Visa Platinum plus card with a different annual fee and none of the benefits. Thinking this was a mistake, I applied again for the XXXX Visa Signature Card and the application went pending. I called BofA to see what was going on and they said they could approve me for the Visa Plat if i chose to. I chose not to but asked to have someone else look at my application for the Visa Signature card. He they asked if I consented to have my application reconsidered and i said yes. He then approved me for the other card, a Visa Platinum and claimed that I had never applied for the Visa Signature. I was escalated to a supervisor and she claimed my XXXX credit score and XXXX income did not qualify me for the Visa Signature and they decided to automatically approve me for a card that was not marketed at all on their application page. BAIT AND SWITCH. This is very deceptive. Definitely a UDAAP issue. I did some research online and there are HUNDREDS of other people who have complained about this same deceptive marketing practice. If you look at the link below, you will see advertising for ONLY the Visa Signature card and not the inferior yet still expensive Visa Platinum. There is no mention of the Platinum benefits or fees because they are inferior and nobody would apply knowing that they could be approved for the inferior card. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never wanted the XXXX XXXX Visa Platinum with a {$50.00} annual fee and sub-par benefits . Nor did I apply for it. Yet somehow I was approved for TWO of them. I closed them but do not want them reported on my Credit Report.
Consumer complaint received 2017-07-10
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: Clarity Services (CA)

I was alarmed at the number of " hard hit '' inquiries on my  XXXX ,  XXXX  and   XXXX   credit reports. I reached out to each bureau and was told that they could not remove the information with a dispute. So I contacted Clarity Services , Inc.  as they are the source for the majority of these unauthorized credit inquires. I had to provide them with a written request and was provided a copy of my report with them. I identified each inquiry that was not authorized and returned by mail to them as requested. To date, none of the erroneous information has been removed and I keep getting the runaround from them. Telling me I have to start the entire process over again.   This is ridiculous. Sadly, I have since found many documented consumer complaints against this company, all similar stories. They are completely unethical.
Consumer complaint received 2017-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

Under the fair credit billing act the creditor must i have requested proof and clarification of charges in dispute, an addition to my balance which cause is yet to be displayed. I have not received written statements for my credit cards until the most recent billing statement. However, on two of my cards the balance increased without evidence of the charges made. Meaning USAA violated the time frame allowed by law to finalize billing disputes and reversed a decision it made over 12 months prior. However, these reversals are not  explained or shown on any statements. Since USAA restricted my online access I have been unable to get an accurate understanding of how much was charged back. Furthermore, I re-established my dispute of these charge backs as well as a few other billing disputes but have yet to receive written acknowledgement of these disputes. <P/>Seeing as there has been no clear or detailed explanation of how my current balance came to be, and USAA in a response to several CFPB complaints informed me they found me responsible for under {$2000.00} in previous charges, it is unclear why my statements have risen by over {$6000.00}. <P/><P/>I have made over a dozen requests and filed several complaints with the CFPB with this request and refusal of USAA to provider documentation to support the increased balances, explain the charges, verify charges previously disputed and found in my favor, all the investigation results and accurately depict my balance. These have all gone unheard. Thus, I have no way to pay my credit card bills seeing as I have not received accurate or detailed statements. USAA has failed to properly reflect charges or payments to my credit accounts.
Consumer complaint received 2016-11-27
Product: Credit card — 
Issue: Balance transfer — 
Company: CITIBANK, N.A. (TX)

I have an XXXX AAdvantage Citicard because I want to earn miles on my purchases. I recently took advantage of a balance transfer offer to remodel our kitchen and we made a transfer of {$15000.00} on XX/XX/XXXX. The 0 % interest balance is good through XX/XX/2017. Since then I made my monthly payments to cover my purchases and pay part of the balance transfer. I discovered I was being charged interest and the amount listed on the statements for the balance transfer was much lower than expected. I called Citi customer service to find out what was happening. They said the balance transfer offer stated that any payments made would be posted against the lower interest rate first. So in other words, to avoid any interest I would have to now completely pay off the balance transfer before they apply payments against my purchases at the higher rate! This is completely backwards! I realize this is what I blindly signed up for now, but this is completely anti-consumer. No one would expect it to work this way and I find this quite deceiving and quite frankly stupid on Citi 's part ( except they benefit by charging interest ). The rep told me I should n't have used the card for purchases, but just for the transfer. Why would a credit card company NOT want me to use my card for purchases? So now I 'm trapped, with no other option, but to transfer my entire balance out to another card to avoid paying any more interest. This has now cost me {$470.00} for the first transfer fee, {$70.00} interest in XXXX and {$97.00} in XXXX. It 's also costing me another {$720.00} to transfer my complete balance out of Citicard. My wife and I both have the AAdvantage cards and we used them as our primary cards, putting thousands on them each month and paying the balances each month. We WANT to use the cards for purchases, including utility bills, phone, etc. as we WANT to earn miles with XXXX. Why would a credit card company NOT want me to use their cards for purchases? If this does n't get resolved, then Citicard will have lost XXXX consumers for life and we both lose, me and Citi. For now, we have ceased using our cards unless we can come to a resolution.
Consumer complaint received 2017-05-15
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (AR)

In  XXXX    XXXX   I opened a credit account with   XXXX   XXXX   XXXX   for the purchase of my wedding dress. The credit card came with a 0 % interest for  six  months offer. Due to an error in entering my address correctly, I did not receive my credit card or first physical bill until late  XXXX  early  XXXX .     The interest is set to begin effective  XXXX   XXXX  at a rate of 22 %. I contacted the company today to request a three month extension on the interest. The person to whom I spoke told me to contact the store. I called the store and spoke with the manager  XXXX  who stated that she did n't have anything to do with the interest. I kept  XXXX  on the line and called the credit card company  (  Comenity Bank ;  XXXX   XXXX  ) using a conference call. I spoke with  XXXX  and she stated that it was not possible for them to extend the interest. I told her anything is possible and I asked to speak to her manager.  XXXX  came on the line and stated that she could hold off on interest for one month. She also submitted my information because I am still requesting three months to their internal disputes department.     It is not my fault that I did not receive an actual bill until late  XXXX  early  XXXX  without an actual bill. My driver 's license does bear my correct and current address. They neglected to include my apartment number in entering my address which is why I did not receive my bill. My first payment was made by phone in  XXXX  with a collections agent due to the fact that I did not have a physical bill he dropped late fees. I totally expected to receive a bill and a card after that. I ended up having to attach a handwritten note to the bill because I could not make automated payments. ( Which oddly enough they only offer in a very limited form ; each month a card holder has to go in and schedule a payment. This increases the likelihood of missed payments and seems predatory in nature to me  )  I did not have the opportunity to divide payments in a manner that would allow me to pay the entire balance within the six month offer period.     Will you please assist me in obtaining a  three  month extension on on the introductory offer?
Consumer complaint received 2024-08-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OneMain Finance Corporation (AZ)

I didn't take out any loans or I didn't take out a credit card, I tried to dial the bank but they can't solve my problem because I don't have information about anything, I just know that I have that debt in my credit I have all my debts in control except that one is ruining my credit. I dont know what date, I just know the amount was XXXX and went to XXXX $ the bank its ONE MAIN FINANCIAL
Consumer complaint received 2024-08-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (MI)

On XX/XX/year> I received a wire transfer from XXXX XXXX XXXX to CitiBank in the amount of {$51000.00}. Upon receiving the transfer, CitiBank closed my account claiming fraudulent activity. I asked where the money that was just transfered to my account would go. They told me that a 60 day process would happen and then I would find out. No customer service nor fraud team member gave me any help or information. They claimed to have sent a wire transfer of the money back to XXXX XXXX XXXX but that never happened and XXXX XXXX XXXX has nothing showing they received any monies from them. I can no longer access the bank account and all of that money has either been held or stolen from me. They have tried to claim to cfpb that I was not the owner of the account which I have provided pictures of emails and such that proves I was the owner of the account until they closed it. I have been fighting to get this money back for years and I am considering filing a major lawsuit. Citi bank has responded in saying that they needed more paperwork before they could take the money from the sub ledger account and transfer it back to my bank. I have confirmation that Citibank has received that paperwork. I am asking now why or when the money is going to be transferred/wired back to the sender? Now that all the paperwork and criteria they stated they needed in the last response has been meant they should be able to send the money back.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

On XX/XX/year>, I reviewed my consumer credit report and noticed that XXXX Bank XXXX, the issuer of the XXXX Card, continues to report inaccurate information despite multiple disputes. Specifically, the bank has incorrectly reported XXXX late payments ( XXXX and XX/XX/year> ), which were previously resolved and should not have been reinserted onto my credit report. This is a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), which prohibits the reinsertion of previously disputed and unverified information. 

In addition to the credit reporting inaccuracies, I had previously reported fraudulent activity on my Apple Card account, which the bank investigated without notifying or involving me, as required under the Electronic Fund Transfer Act ( EFTA ). The bank 's investigation concluded that the disputed transactions were valid, but I never consented to or received notice of the investigation 's progress or outcome, which violates my rights under 15 U.S.C. 1693m. 

On XX/XX/year>, I was contacted by XXXX Bank XXXX via phone without my authorization. This unsolicited communication violates my rights under the Telephone Consumer Protection Act ( TCPA ), 47 U.S.C. 227, as I had not given the bank consent to contact me by phone regarding this matter. 

Furthermore, XXXX Bank XXXX has failed to correct the inaccuracies on my report, despite acknowledging these errors during a previous dispute process. The banks actions have caused significant damage to my credit score and have led to financial harm, including difficulties in obtaining credit and higher interest rates.
Consumer complaint received 2024-08-23
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation (TX)

The sales said that he could give me a light in my back yard and a doorbell with a camera. I dont have a back yard light and it was really concerning to me. I saw another guy putting a light on the front and told him that that is not what the sale person and I agreed on, that the sales person said the light would be on the back. So I THOUGHT it was done that way until a week later when my daughter came to see me, she checks the mail once a month and saw the camera on the front of the house. The sales person said that it would be {$60.00} dollars a month for the doorbell and the light in the back. I told him I am on social security and taking care of XXXX grandchildren and we don't need any extra large payments or hits on my credit. I figured I could handle {$60.00} a month payment for the light and doorbell. I have been sick, I am a little shaky and loose my balance some so the young man helped check the boxes on his tablet for me. I asked what it was saying and he said that I would be talking to someone on his phone just to verify it is me since I have no drivers license that it was for my security. I didn't not have a physical divers license. The man on his phone verified it was me. I didn't know that I was financing a loan or cameras and light, he never said that, until I got a credit card in the mail. I didnt appove of cameras on the house. I didn't know I had cameras on the house, what the man and i agreed on was a doorbell and a light in the back for {$60.00} a month. I want them to take this credit card off my credit and put if back the way it was. I want them to take these cameras off the house and leave me the doorbell and the back light. I have been swendled. Do what you said you would do and keep your word.
Consumer complaint received 2017-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: PLS GROUP, INC (WA)

I called and reordered a lost prepaid date on XX/XX/2017 in which I was told there was no option for expedited delivery and the card would be here in 7-10 business days. I called to make sure the card was ordered as promised. <P/>On several occasions, I called and kept getting the run-a-round and was denied a supervisor every single time. My girlfriend tried to ask on behalf as well.. Everytime we were put on hold for a couple minutes and were always told a supervisor was not available and we could n't hold for one. We were told we would have to wait for a call back, which we are still waiting for to this day. Today is the 10th business day and the card is STILL NOT HERE!!!!! <P/>There was misinformation on when the card was ordered, if it could be expedited and what was actually considered a business day. When the representatives were unable to answer the questions or provide someone of authority, they would say they had to disconnect the call leaving us helpless with nothing else to do. <P/>They do not listen to the customers and most concerned with taking the next call rather than helping the customer who they have on the phone at that current moment. <P/>WE need a call back from someone as they are basically stealing his money at this point and we ca n't get anyone on the phone to get his money back if they are n't going to send the card. He has not been able to work due to this and they are costing him money.