davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-08
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: National Mediation Services (TX)

A collection agency called NATIONAL MEDIATION called my daughter and threatened to arrest me and file charges on me for a debt I do n't owe. They told my daughter that it was a payday loan and they needed money right then and there. 
My daughter gave me the message and I called and they were very rude and threatening and operating against the laws of the FDCPA. 
I explained that it is illegal to call and indicate to another person who is not myself that they are trying to collect a debt. 
He told me no it 's not. I told him that I do n't owe them and he stated that I do and if I do n't pay he is going to take action
Consumer complaint received 2017-01-24
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (NY)

Over the course of a few days I received XXXX overdrawn fees for a Business Checking account through Chase. I was under the allusion that my card would decline if I had insufficient funds to make a payment. I used this card multiple times without realizing it was overdrawn. Chase did not alert me via notifications ( email or text ), but only a letter than came a week later. The XXXX {$34.00} fees came to {$400.00}. 

I called to speak to escalations 2 times on the day I realized ( XXXX XXXX, 2017 ) and they only offered to return the amount for one fee - {$34.00}. They told me I needed to have signed up for notifications, and that I was on debit 'coverage ' which allowed me to make payments with insufficient funds - to be charged a fee if my account was still overdrawn by XXXX in the evening. 

This amount of {$400.00} seems excessive to me. I feel like Chase have no care for their customer whatsoever, and that I should have been notified immediately when I incurred a fee ( regardless of system setups ). I do n't understand how they can possibly withhold such a large amount from a customer, offering no alternative for me, once my phone call complaint was immediately denied.
Consumer complaint received 2024-09-25
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

XX/XX/XXXX a Capital One account was opened without my permission. There is a debt on my report of {$290.00}. There is another capital one inquiry on XX/XX/XXXX which was also fraudulent.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX GA, XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Formal Complaint Against Equifax Failure to Block Information in Violation of the Fair Credit Reporting Act ( FCRA ) and the Victims of XXXX  Act To Whom It May Concern, I am writing to file a formal complaint against Equifax regarding their failure to block information on my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ) and the Victims of XXXX  Act. Despite my repeated attempts to resolve this issue, Equifax has willfully neglected its obligations under these laws.

On XX/XX/2024, Equifax received my dispute via certified mail, as confirmed by USPS tracking, which indicated delivery at XXXX XXXX on that date. Furthermore, during a phone conversation on XX/XX/2024, Equifax representative XXXX, ID # XXXX, verified that my dispute letter had been received by Equifaxs back office team on XX/XX/2024. However, despite this confirmation, Equifax has yet to take the necessary action to block the information in question, as required under the FCRA and the Victims of XXXX  Act.

On XX/XX/2024, I contacted Equifax once again, at which point I spoke with Floor Supervisor XXXX, ID # XXXX. XXXX informed me that Equifax had no record of receiving my dispute, contradicting the previous confirmation provided by XXXX and the certified USPS tracking information. Furthermore, XXXX stated that Equifax had no record of the complaint I filed with the CFPB ( complaint ID XXXX ) on XX/XX/2024 
It is clear that Equifax is willfully stalling and failing to comply with the requirements set forth by the FCRA and the Victims of XXXX  Act. Under the FCRA, Equifax is obligated to block information on my credit report within four business days of receiving a valid request, particularly when submitted with documentation related to identity theft or human XXXX. Equifaxs failure to take action within 11 business days from the date of receipt is a clear violation of these legal protections. 
Equifax 's willful non-compliance subjects them to severe penalties, including but not limited to fines and civil liabilities under 15 U.S. Code 1681n. The failure to block or correct inaccurate information can result in fines of up to {$1000.00} per violation, in addition to potential punitive damages and attorneys fees. 
I urge the CFPB to take immediate action to investigate Equifax 's practices in this matter and to hold them accountable for their clear violations of federal law. 
Thank you for your attention to this matter. I look forward to your prompt resolution of this issue. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-09-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Coinbase, Inc. (TX)

XX/XX/year> : I went through the self-checkout aisle at an XXXX in XXXX XXXX . I scanned the item and ran my card through the debit machine. The display then froze, so I hit " cancel '' and moved on to a different self-checkout register. ( I was in a rush and probably should've grabbed an employee to verify that the transaction was, in fact, canceled. ) According to XXXX security, my card was still active on the first register and so it ended up paying for the next person in line 's order ( {$72.00} ). I saw the transaction notification on my phone and immediately went back to XXXX attempting to resolve it. ( They told me to call a customer service number. I called the number, XXXX confirmed the details with security, and the refund was approved that day, XX/XX/XXXX. ) XX/XX/year> : I have yet to receive the refund on my card, so I contacted XXXX again on XXXX XXXX. They confirmed that the refund was submitted on XXXX XXXX and the funds cleared on XXXX XXXX. They provided a transaction confirmation number ( I can send if requested ). 

I then called Coinbase today ( XXXX XXXX ) and they claim to have not yet received a refund request from XXXX. They suggested I call XXXX once again. So I called XXXX to confirm for a second time and they said " yes, the refund was sent and the funds have cleared. '' They said Coinbase has the funds. 

So I then called Coinbase a second time and was able to speak to a supervisor who told me that : A. they do not have the funds, B. they would not contact XXXX to help me settle the dispute ( the supervisor said " the dispute is between you and the merchant, not us, '' and C. they refused to submit an appeal/chargeback because, according to Coinbase, XXXX agreed to refund the payment so it's up to me to settle the dispute. 

Neither XXXX nor Coinbase will help me resolve this. In my opinion, XXXX did send the refund to Coinbase but Coinbase is simply refusing to make the funds available to me. Coinbase has a poor reputation despite its mainstream popularity. Even though XXXX isn't doing much to help me, they do have a fantastic reputation as a company and I find it nearly impossible to believe that the issue is on their end. 

If you check online, there are loads and loads of complaints, within the last year alone, of Coinbase refusing to make refunds from debit card purchases available to customers ( either holding the funds or outright denying them ). These Coinbase debit card payment are made using cryptocurrency, a volatile asset, therefore Coinbase may potentially lose money on debit card refunds if the price of a coin drops in value.
Consumer complaint received 2024-09-23
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

XX/XX/year> Capital One customer service directed me to send them power of attorney to act on my brother 's behalf to pay off his credit card accounts. Only the power of attorney was requested. 
XX/XX/year> after some fruitless calls for status, I went to a branch of the bank where, with the assistance of a Capital One employee, I filled out forms which he notarized, and also provided a copy of my power of attorney and GOVERNMENT ID. He then faxed them to some division of Capital One. These additional items had not been requested from me during my first call to Capital One. 
XX/XX/year> I called for status, and was told my application was not accepted. I tried to discern whether it was my first application or my second one but the only answer was " your application was not accepted ''. 
XX/XX/year> I received 3 letters from Capital one. All informed me that my request was denied. Copies attached. They all gave me a telephone number to call ( XXXX ) if I had any questions. Paradoxically, when I called, they refused to answer my questions, namely : Had both of my submissions been denied? and What were the deficiencies in each case? The letters referred to different case numbers, but they wouldn't answer any questions as to what the numbers referred to, simply stating that my request had been denied. It was suggested that I submit any further requests by mail as sometimes faxes are illegible.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

( XXXX XXXX ), ( XXXX, ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, The Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX  XXXX on XX/XX/XXXX Account number ( XXXX ) and a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX Account number ( XXXX ) These accounts have resulted in fraudulent collections appearing on my consumer XXXX credit report. Both of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of my FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that both of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.
Consumer complaint received 2016-07-04
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY (WV)

My husband and I went to XXXX XXXX in XXXX WV in XXXX of 2015 to purchase furniture for our new home. We asked the selling agent what our payments would be and we were told that they could not tell us because it was against Wells Fargos new policy. They said that our payments should not be more than {$70.00} a month, which is what my last furniture payment was. We could easily make {$70.00} work as a monthly payment. We also had to pay our sales tax before our furniture would be delivered. We paid {$260.00} in cash and our loan amount was for {$4400.00}. Our furniture was delivered in XXXX and when we received our first bill and it was twice the amount at {$150.00}. 
I called Wells Fargo and explained what we were told by XXXX XXXX and that we could not swing that high of a payment with our new home payment, student loan, car payment and a baby on the way. They said that we had signed a contract and that it was set in stone unless we wanted to pay off the full amount of the loan. They also said that we could appeal the contract. Upon looking at the contract the first page reflects a 12 month date and the second page reflects a 17 month date. 
We were denied the appeal by Wells Fargo Speaking with them again they said that they could lower my payments if I were not under a contract and that I am required to pay the minimum due whether I can afford to or not. If I can not pay the amount due they will be forced to take action because of breach of contract. 
We have made the payments throughout the year the best that we could whether we were able to pay the full amount or just what we could afford. We have now received a letter stating that we must pay {$280.00} by XXXX XXXX or they will be forced to take legal action and make us pay {$4900.00}. We were also charged {$1200.00} in interest for one month. We have made our payments the best that we could throughout the year ( XXXX ) causing our bills to pile up. Even after explaining all of this to Wells Fargo they were still unsympathetic to our cause and unwilling to work with us on this matter. 
If we had been quoted the price of {$150.00} a month we would never have made the purchase because we could n't afford it and we knew that we could n't afford that high of an amount going into the purchase. But we were not quoted that amount, we were quoted {$70.00}. My credit score was right around XXXX going into this purchase and it has since plundered. What are our options?
Consumer complaint received 2017-01-24
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Was delayed in XXXX program by Bank of America for OVER XXXX MONTHS. Originally enrolled in XXXX program on XXXX/XXXX/XXXX. 
During this unacceptable XXXX YEAR timeframe, and the XXXX XXXX Mortgage Backed Security fraud, my home lost market value from {$380000.00} XXXX XXXX purchase price to ( having no other option ) short sale closing in XX/XX/XXXX of {$250000.00}. 

XXXX names : XXXX Mortgage Former Property address : XXXX XXXX FL XXXX. 
Bank that own 's loans were Bank Of America. Our mortgage loan # 's were XXXX XXXX first & larger loan owned by Fannie Mae XXXX & XXXX ( second smaller loan owned by the bank ). 
READ article XX/XX/XXXX where XXXX XXXX Mortgage unit was fined $ XXXX by CFPB for giving their customers " the runaround ''. I too experienced " the runaround '' from Bank of America ... multiple requests for identifical information, disconnected phone numbers, they would not accept partial payments, changing of support personnel & phone numbers & locations, along with long winded response letters which were difficult to understand. 

AS A RESULT ... I 'm seeking FULL restitution from Bank of America for the XXXX I lost in my home as a result of their INACTION and mortgage backed security fraud.
Consumer complaint received 2017-01-25
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (PA)

i ask chase credit card service to close my account ( all cards ) in XXXX..they refuse to close all of them..they lied that balance transfer were made, later to find out it was not true.now, they refuse to send my card to collection and it sits collecting fees, late charges, interest charges.i tried to make a settlement with them. XXXX.that was the balance when that card was to be paid off by another company. ( lied abt tthis card and they had the other company pay off a lower card balance, while lieing to me that all cards are closed .they intentionally made it very CONFUSING and having customer service from and in XXXX handle my calls about this..they are playing a scam o me to get this card in the XXXX dollars..i ask that someone do something to stop ths and the card go into collection.
Consumer complaint received 2016-11-17
Product: Credit card — 
Issue: Billing statement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I have a credit card from Band of America and I set up the automatic payment to pay my balance fully every month. But when I checked my statement, I found that from XX/XX/2015, every month there would be multiple payments to my credit card. One is called PAYMENT DIRECT DEBIT - THANK YOU, the other is BA ELECTRONIC PAYMENT. and in most of months, the combination of these payments would exceed my balance, which led to a credit balance in my account. I just called BOA and the customer service said one of these XXXX payments was not recognized. But I only set up the automatic payment on BoA website. I did n't set up other automatic payment.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

I am disheartened at the fact that my credit scores have been negatively affected due to this account reporting on my credit file. I have sent out a complaint and nothing has been done for the removal of this account, and I am deprived of my opportunity to apply for another loan.
Consumer complaint received 2016-04-13
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: United Revenue Corporation (SC)

as i stated in other complaints someone has used my identity to open this account and i never received any communication from this company and yet they continue to assert that they have had communication with me in the past in response to a previous complaint ... and they havnt someone stole my identity and these people continue to make it difficult to get this cleared up i am in the process of making all of the necessary complaints with other agencies that regulate/license debt collection to see if i can get some help getting this figured out and giving this information to other govt agencies to investigate
Consumer complaint received 2016-11-03
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Allied Collection Services, Inc. (Nevada) (NV)

I sent a certified letter to Allied collections as they were reporting on my credit report. After doing so I received a reply from them that they had verification from the original creditor that the debt was valid. I asked for " validation '' not verification. In response I received medical information which violates HIPAA as I do not have a signed consent with this collection agency.
Consumer complaint received 2016-12-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (RI)

Since XXXX of 2013, I have been going submitting documents to modify my home and the company who I have my mortgage with has been asking me to submit the same documents over and over again. My interest is going up this month XXXX XXXX XXXX 4.75 %. The reason I need to modify my home is because I was getting child support of {$750.00} and it ended in XXXX. I submitted my documents 3 mths in advance in order to give them ample time to work on my modification. However, they are giving me the run around and continue asking me for documents they already have. I have continued paying my mortgage and because of this I can no longer pay.. I want this resolve asap. 

Thank you.
Consumer complaint received 2024-08-29
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. (NJ)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2016-12-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (FL)

I am contacting your agency because I have on several occasions tried to disputing a line of credit account with Experian I supposely open with XXXX XX/XX/2011. XXXX has produced no evidence such as signed loan documents showing my signature and verified I applied for line of credit. Experian refuses to investigate and keeps making following statement " We are responding to your request to verify item ( s ) on your personal credit report. We have already investigated this information and the credit grantor has verified its accuracy. ... Pursuant to Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, we will not be investigating your dispute again at this time. '' This false reporting is damaging my credit. I would like for XXXX to contact Experian and remove this item immediately from my credit report
Consumer complaint received 2016-12-08
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Resurgent Capital Services L.P. (IL)

I was a victim of identity theft and noticed a collection from LVNV FUNDING LLC I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against LVNV FUNDING LLC in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Consumer complaint received 2016-12-07
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

I scheduled a payment to post by XX/XX/XXXX to my USAA Loan, prior to the due date of XX/XX/XXXX to ensure the loan was paid before it reached 30 days past due. Now I have a letter dated XX/XX/XXXX saying the payment is 30 days past due and it is in default and needs to be paid prior to XX/XX/XXXX to avoid other collection activity. Now obviously the payment has been made and has posted but I do not agree with it being reported 30 days late. I scheduled the payment online to post by the XXXX and it did not. It posted on the XXXX ... the same happened with my auto insurance payment although that payment posting date is not an issue. Please make contact and discuss with my wife as she will be handling this on my behalf.
Consumer complaint received 2017-01-24
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ENOVA INTERNATIONAL, INC. (GA)

When I took out the loan with NetCredit in XX/XX/2014 I thought I would pay back the amount and be done paying them. Now after 57 payments of {$85.00} every 2 weeks I have only paid {$520.00} to the principal. The rest in all interest. The interest rate is 57.77 percent. Had I known this, I would never have agreed to continue with the loan. Here is the information from the loan paperwork. I just do not understand how a company can really do business like this. 

ANNUAL PERCENTAGE RATE The cost of your credit as a yearly rate. 

FINANCE CHARGE The dollar amount the credit will cost you. 

Amount Financed The amount of credit provided to you or on your behalf. 

Total of Payments The amount you will have paid after you have made all payments as scheduled 57.77 % {$7100.00} {$3600.00} {$10000.00}