davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (MA)

I received a new American Express card. I needed to contact customer service. The customer service phone number is printed in 2.22pt. type. I measured it. Additionally, the first 3 digits are obscured by elements of graphic design. Also, the contrast is very low. I had to dial the number by trial and error. When I explained to the representative I could not read the phone number because of these conditions she suggested I get someone to help me. This would place me in a dependent position, creating a XXXX where there is none. My vision is within normal limits. 
I asked to speak with a supervisor. I asked what accomodations they have in place for people who could not read the number. She said there are none. 

I believe this places American Express out of compliance with the ADA. In addition, the consumer is placed in a position of vulnerability financially by requiring the assistance of a helper with financial management where no bonafide need exists for such help.
Consumer complaint received 2017-12-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MN)

I used Moneygram.com online service XXXX to transfer {$2000.00} US dollars to a relative living in XXXX. Moneygram declined my request, which is fine. I was told on XXXX that if money was taken out of my checking account I would receive a a refund within 10 to 15 business days. 

As of XXXX I had not received a refund so I called Moneygram. The Moneygam customer service representative at that time stated that there was nothing Moneygram could do. The representative instructed me to file a complaint with my bank. 

I filed a fraud investigation with my bank on XXXX. 

On XXXX I called Moneygram again and was told that even though the transaction was declined, it was not cancelled, thus the refund was not processed. I was told that I would receive the refund in 10 to 15 days.

My complaint is : 1 ) Moneygram has concerning, sloppy operations. If the transaction was declined, why was not the transaction cancelled immediately to stop the withdrawal from my checking account. Further, despite that gap, the internal process/procedures to review declined accounts and cancel the transaction has no controls causing customers emotional and financial harm.

2 ) if my transaction was declined, why did Moneygram take money out of my checking account in teh first place? When a decline is made, Moneygram should have an automated process to automatically cancel any sort of withdrawal request.

3 ) The time frame for a refund is archaic. I understand it may take a day or two for funds to be electronically transferred from one bank to another. Most transfers I initiate from one bank to anyther takes two, maybe three days. Being that Moneygram already has my funds, the transfer process should not take more than two to three business days.
Consumer complaint received 2017-01-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NCC Business Services, Inc. (FL)

I am not aware of this account that is on my report for an illegal eviction since the locks were changed before the eviction court proceedings took place and while the original notice was still in play.
Consumer complaint received 2017-12-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (IL)

I have been a user of Coinbase.com for many years, mainly buying / investing in cryptocurrency Bitcoin, Ether, and Litecoin. Since week of XXXX/XXXX/XXXX I started selling Bitcoin, of which I had no problems with an initial sale of my weekly limit of {$50000.00}. I processed an additional transaction week of XXXX/XXXX/XXXX of another {$11000.00} sale. 

Starting on Monday XXXX/XXXX/XXXX when trying to process a final sale of about {$10000.00} or XXXX Bitcoin the website ( www.coinbase.com ) began asking me for an ID verification. They required front and back photographs of my US Government issued Driver 's license. I had plenty of my weekly limit of sales available and this was a new requirement from the website ( www.coinbase.com ). 

I attempted several times on XXXX/XXXX/XXXX to upload my ID and each time it failed due to photos not being clear enough. On Tuesday XXXX/XXXX/XXXX I took high resolution digital photos of my ID and attempted to upload to www.coinbase.com. This time the server would " timeout '' after 30 mins of waiting. 

Still unable to sell my final XXXX Bitcoin, I attempted to upload the photos of my ID on XXXX/XXXX/XXXX XXXX times. Then I filed a support ticket with www.coinbase.com. I received nothing but a automated response to this support ticket. 

Still unable to sell my final XXXX Bitcoin, on XXXX/XXXX/XXXX after another 6-8 attempts to upload an ID. I submitted an additional support ticket to www.coinbase.com. I received an automated response as follows : " Thanks for writing in. We understand a large percentage of ID verification requests were not completing successfully. Our team has made improvements to this service today to increase performance. If youre still having trouble completing ID verification, we recommend trying again in 24 hours.

We apologize for any convenience this may be causing. Please check our status page for the latest updates : https : //status.coinbase.com/ Thank you for choosing Coinbase. '' Access to a digital currency that fluctuates 10-20+ % / day can be the difference of thousand of dollars. Or the digital currency could go to {$0.00} and I can not have access to the money in a reasonable period of time.

As I am writing this complaint, www.coinbase.com is down for maintenance claiming " ID Verification not working '' " High Traffic '' " BTC Delays ''
Consumer complaint received 2017-12-07
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

In 2014 for about 6 months I was going back and forth with Nissan on my auto-pay to pay my monthly lease. Every single month someone would tell me to set-up my auto pay and I did. For some reason every month the payments were not going through. So every month Nissan would call me when I was late. It was a monthly frustration. Lastly the last call I believe I had someone walked with me over the phone to set-up auto pay over the phone and from that day it was n't a problem. I had the money, I had a job and making monthly payments to many things at the time but for some reason my confidence was in the auto pay. I had not had confidence in it I could of mailed the checks to avoid being late. I tried working with Nissan on the matter but they really showed me they do n't care about me. They just want my money. No customer satisfaction on the finance side apparently.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

XXXX XX/XX/year>, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2. Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The follorwing inquiries were made without my authorization : Unauthorized Inquiries : XXXX  XXXX ( Inquiry Date : XXXX ) XXXX XXXX XXXX ( Inquiry Date : XXXX ) XXXX  ( Inquiry Date : XXXX ) XXXX XXXX ( Inquiry Date : XXXX ) XXXXXXXX XXXX XXXX  XXXX - XXXX XXXX XXXX XXXXXXXX - XXXX These inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report. Collection Accounts : 1. XXXX XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account XXXX : XXXX Despite providing all the necessary documentation and complying with the required procedures, the credit reporting agencies have failed to remove the fraudulent items within the legal time frame. These errors have negatively impacted my credit score and have created undue hardship for me. I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ). This description provides the CFPB with the details they need to address your dispute. Make sure to adjust the placeholder fields like dates and amounts to match your specific situation. Let me know if you need further modifications!
Consumer complaint received 2017-08-09
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

My mortgage servicer is LoanCare, XXXX. XXXX XXXX, XXXX XXXX, VA XXXX. On XX/XX/XXXX, I received a letter from the County Tax Collector that taxes for 2016 were not paid. The county is also charging me a {$240.00} delinquency fee. I e-mailed copy of letter to Loancare, since it is their responsiblity to pay my propery taxes from my escrow funds. I have more than enough funds in my escrow account. It 's been 2 months since I sent them the delinquency letter and my concerns have been ignored by this company, even after numerous e-mails and half a dozen phone calls. The customer service reps on the phone keep telling me that they will escalate the issue to a higher level and respond within 48 hours. This is the worse mortgage service company that I have ever had to deal with. I even asked if I could take control of my own taxes and forgo escrow with them. That way I can make sure my taxes are paid and make sure this doesnt happen again. They refused saying that I would need principle to be less than 20 % of the value of the house. This company is negligent in their duty to service loans.
Consumer complaint received 2017-12-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

on XX/XX/XXXX and XX/XX/XXXX I CONTACTED XXXX, XXXX, & Transunion in regards to 3 charges on all 3 of my credit report that needs to be removed. ( XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, & XXXX/XXXX XXXX, ). They need to be removed because ( original creditor sold my debt to a collection agency/ other company, they also wrote off my dedt on their taxes which wrote off my obligation to pay. Contract was cancelled and voided. NO CONTRACT. Also the same creditor is listed twice. The credit report agency do not make any changes or any answer to my credit reports. The company 's are still trying to collect, also entering negative on my credit report. Please help. Sincerely
Consumer complaint received 2017-11-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was recently pre approved for a XXXX credit card then I got a letter in the mail stating " We regret that we are unable to open an account due to lack of existing credit information on your report based on report obsessed by Transunion either this company XXXX is lying that they checked my credit report or they were given false information on me by Trans union I would simply like for this Inquire to be removed or be sent a report of information provided to XXXX XXXX XXXX Application # XXXX
Consumer complaint received 2017-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (WA)

I recently acquired an American Express Platinum Card which as a benefit allows you to get an American Express Gold Card for free. I chose to get the Gold Card with my Platinum card because it receives a slightly better point structure for restaurants, as outlined in their terms of service ( attached ). American Express does not appear to be giving the appropriate rewards points structure on the Gold Card. They treat this card as a Platinum card despite it being physically a Gold Card and represented as a Gold Card in their benefits pages. I have contacted American Express and they have been unable to show where in their terms of service the Gold Card that you get as a benefit from the Platinum Card will earn points like a Platinum Card. Even the supervisors I 've talked to on their customer support line have admitted they can not find something that outlines their current practice and overrides what is written in their terms. 

Timeline : - Approximately XXXX Call and order American Express Platinum and Gold card. 
- XXXX Receive and Activate American Express Platinum card. 
- XXXX Receive and Activate American Express Gold Card. 
- XXXX Contact American Express Customer Service after noticing my Gold Card was not earning 2x points as described. 
- XXXX Mailed via Certified Mail Claim Notice ( Attached ) - XXXX Receive phone call from American Express, Talk briefly where they re-itterate their point. I do n't have time to discuss further and ask them to call back another time due to me being in a meeting. 
- XXXX American Express calls back at the same time. 
- XXXX I call American Express back. Discover they have closed my Claim and  reopen a new claim, which I ask them to escalate to corporate after getting the run around. 
- XXXX Talked with representative from American Express that describes internal documents that state that the Gold Card should earn points like a Platinum Card but not a Gold Card. He is unable to share this documents with me because they are internal only. He again escalates to corporate. 
- XXXX Requested Meditation with XXXX XXXX XXXX ( Attached )
Consumer complaint received 2016-10-06
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (VA)

I originally opened up a checking and savings account with Wells Fargo. The in approximately XXXX XXXX, I was notified by Wells Fargo through email that they were closing the savings account and adding another or secondary checking account. I did n't really understand the reason why ( maybe to allow for overnight sweeps/loans ) but I let the action occur. Then I transferred money into the secondary account as a lay away fund for a home improvement since the account was there. I gradually moved the money back into the primary checking account and was going to transfer all money back around XXXX/XXXX/XXXX when I noticed the account had less money than I noticed before back in XXXX XXXX. 
Wells Fargo deducted XXXX {$10.00} fees for not maintaining a certain balance in the checking account. 
My opinion is that this second checking account was added to generate just these kind of fess as XXXX checking accounts I do n't need as a consumer. 
Attached is a Excel spreadsheet for the time period of XXXX/XXXX/XXXX XXXX.
Consumer complaint received 2017-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fay Servicing, LLC (FL)

In XX/XX/XXXX my lawyer sent a letter to Fay Servicing that they provided incorrect information to the credit reporting agencies and to have it removed for both my mother and myself as we were both borrowers on the loan from XXXX. A DEED IN LIEU OF FORECLOSURE was provided by XXXX XXXX, XXXX who was my service provider with an agreement datedXX/XX/XXXX as recorded by the court in XXXX XXXX, Florida. Subsequent to the deed in lieu, the loan was erroneously transferred to Fay Servicing as the deed in lieu was executed prior to the transfer. 

Fay Servicing responded back on XX/XX/XXXX stating that they were in error of reporting the loan and they stated that on " XX/XX/XXXX the account boarded our system via transfer of servicing from XXXX. Prior to the transfer, a Deed-in-Lieu was executed however, we continued reporting the account as delinquent to the credit bureaus. '' They assured that it was removed from the credit bureaus and they would not report it in the future, however, I logged in to check my credit report while applying for an auto loan which I was denied for. I realized that Fay Servicing is still reporting the inaccurate information to XXXX - after 3 years later. 

I want this removed immediately as my credit has been damaged over the last 3 years due to Fay Servicing erroneous addition of this loan showing delinquent on my credit report. This should have been fixed when my lawyer addressed this back inXX/XX/XXXXand should have never been reported in the first place.
Consumer complaint received 2017-12-30
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NC)

Too many dates to document. I was told me several associates at Navient that i could make payments to the principal in addition to the the monthly amount. On several occasions, i would do this. I then started getting bills saying nothing was due. I would call again to find out that the loan was not paid properly EVERY time i would do this method. So several months in a row, i would have to make my payment, make my PO payment and then call back to have it redone correctly with a manager. I have asked to increase my payment from XXXX to pay my loan off faster ( since i was notified today that my XXXX balance wouldnt be paid off until 2035 ). I was advised to not increase it to just call and make additional payments when i could. I also consolidated my loans a while back and tried to get payments in where i could. I have been paying religiously and have BARELY cleared off XXXX. I was putting up to 500 per month on some months.
Consumer complaint received 2017-09-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (AE)

I XXXX college on XXXX XXXX with a XXXX and two student loans to pay of. I got married last year ( XXXX XXXX ) and my husband is an XXXX XXXX XXXX XXXX. We are currently stationed XXXX and because of the XXXX agreement that XXXX and the USA have- this does not allow many jobs for military dependents such as myself. I have not had any employment since I got here and over the last year we have been paying off my school loans ( over {$40000.00} in total ) with only my husband 's income. We contacted the lending institutions to see if any options were available for lower interest rates for service members and their families, but one institution, Navient ( formerly XXXX XXXX XXXX, refused to aid us in any way, even after explaining our situation, on the basis that I am not the service member. The interest rate on this loan is almost 10 % .and we are paying both loans off of just my husband 's income. We recently almost emptied out our savings in order to get the loan with Navient to a more reasonable level ; With the dollar amount the loan had been at, and the interest rate, we were not gaining any ground on the loan with just the minimum payment, it actually went up. Why was the total loan amount increasing even while always making payments on time?
Consumer complaint received 2017-12-30
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: Experian Information Solutions Inc. (TX)

Earlier this year ( XXXX ), I discovered that I had been a victim of identity theft. Despite the numerous amount of times that I had been in contact with the bureaus, they would ocasssionally remove the accounts from my report and re-add them back at a later time, which is a violation of the Consumer Fair Credit Reporting Act. Therefore, I considered filing a lawsuit, which I have yet to execute due to the fact that I now have additional evidence and a couple of incidents that were reported to XXXX XXXX Police Dept. and the FBI. 

I would like to get this this information cleared out of my report immediately because it has drasticallly set me back this entire year, which is now coming to an end. 

Thank you and Happy New Year!
Consumer complaint received 2017-12-30
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMK Investments Inc (WI)

I had a loan at an XXXX XXXX XXXX store in XXXX, Wisconsin and then the store closed. They never notified me that the store closed. Then they took money out of my bank account also without any notice and they had never done that before. So I drove by and found out the store was closed. Then I received my contract back, paid in full XXXX XXXX XXXX. After that, another company ( XXXX XXXX XXXX ) took money from my bank account. I disputed the debt and requested debt validation by certified mail within 30 days of discovery, which was accepted by XXXX XXXX XXXX on XXXX XXXX XXXX. I also asked in the certified letter to only be contacted by mail. Since then I received an email from XXXX XXXX XXXX with the XXXX XXXX XXXX  contract with the XXXX XXXX name superimposed on it. And now XXXX XXXX XXXX is calling me at home and at my work and they threaten to keep calling my work number. 
Both companies are claiming the same debt which is why I requested debt validation in the first place.
Consumer complaint received 2017-09-10
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. (MN)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.