davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NY)

I sent {$6100.00} to Coinbase by wire transfer from my XXXX XXXX XXXX account on XX/XX/XXXX.  Coinbase is located in the XXXX with a bank located in XXXX that should receive the payment. 

The balance has not shown up in my Coinbase account still, and today it is XX/XX/XXXX 

I have made numerous attempts to contact and speak with customer service who keep saying that they are going to put a specialist on the case. They have told me this three times. I have used both their online form for submitting issues as well as emailing them directly to ask about a status update. No response whatsoever.
Consumer complaint received 2018-01-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (CA)

I was locked out of my Coinbase.com account on XX/XX/XXXX, with a very high dollar balance in the account due to losing my Authenticator. I called the company and was told incorrect information, I called again and was told to wait. My account was setup years ago, so there is a generic company name on the account. However the only way to unlock the account is to show an ID, obviously my companies name is not mine and does n't show on my ID. I have provided proof that I am who I say I am. They have told me to stop emailing them and every time I e-mail I am forced to wait longer. The account is still attached to my cell phone, and I know the password, I even am logging in from the same IP address. They told me they would assign this to a specialist two weeks ago, still nothing, and I can not inquire about the status because if so I am " penalized '' and sent to the back of the queue. The company has taken no actions to assist in resolving this issue.
Consumer complaint received 2018-01-09
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: CORELOGIC INC (CA)

I received a hard inquiry impacting my credit report by A company identifying itself as XXXX/XXXX on XXXX XXXX, 2017. I did not authorize this credit check or any other mortgage company, broker, or loan lender to pull my information for purposes of a credit check. I believe my Ex. may have stolen personal info. and now it is being used for malicious purposes. I kindly ask to have my info removed from your system and the hard inquiry deleted from the credit report. Thank You!
Consumer complaint received 2018-01-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BB&T CORPORATION (FL)

A refusal of a bank to refinance a maturing 2nd mortgage with a predatory balloon payment. The mortgage holder ,a senior citizen  never missed a payment for 15 years and can continue to pay monthly principal and interest payments until the sale of the house.This is the same bank that ripped off it's mortgage holders in a forced place insurance scheme class action scam.  I am part of their New fee scam. In XX/XX/XXXX XXXX XXXX XXXX made a consumer loan to me never mentioning the pending balloon maturing in XX/XX/XXXX.A New local loan officer  in XX/XX/XXXX called me warning me of my pending foreclosure. She suggested I apply for a modification borrowing not the current amount of XXXX but $XXXX principal. After several weeks I was denied the modification on the basis of too many inquiries(all the inquiries were made by XXXX XXXX),outmoded and arbitrary loan ratios,and the loan the bank made in XX/XX/XXXX.Now the bank has started foreclosure.Dreams of anew fee scam are dancing in their heads.I wrote the president of XXXX XXXX XXXX alerting him .Never a reply. This bank is corrupt from it's head I expect much false witness against a me from this bank. .
Consumer complaint received 2018-01-08
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: ARVEST BANK GROUP, INC. (CT)

In XX/XX/XXXXWe were lured into a negative amortization loan, as we are not mortgage experts. 5 years later, in XX/XX/XXXX when our mortgage increased by XXXX per month ( XXXX to XXXX ) we tried to sell our home. We were not successful because this was when the housing market crashed. Then we approached our mortgage company for a loan modification. They denied us. After making 1 payment, We were unable to continue to pay XXXX a month so we stopped paying our mortgage. Through all the court dates, in XX/XX/XXXX our mortgage company offered us a payment plan of XXXX per month. We were able to make that payment for 6 months at which point, our mortgage company increased the mortgage to XXXX. At that point we could no longer continue that payment. We have met with mediators and lawyers and continue to try and get a modification for loan. I have been a teacher for 32 years in a priority school district and my husband is XXXX. We have XXXX children ages XXXX-XXXX. We have been asking XXXX XXXX XXXX for help us find a reasonable payment to stay in our home. We built this home with money that we saved for many years. We are not trying to avoid paying our debt, we just need help.
Consumer complaint received 2018-01-09
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: DISCOVER BANK (AL)

I have multiple attempts of credit inquires that was signed up but I do not recognize signing any of these credit inquires so I would like them to be removed from my credit history if possible. 

Date Company 1. XXXX XXXX, 2017 - Discover ( Finance ) 2. XXXX XXXX, 2017 - XXXX ( Finance ) 3.  XXXX XXXX, 2017 - XXXX XXXX ( National Credit Cards/Airlines ) 5. XXXX XXXX, 2017 - XXXX ( Bank )
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Re : Dispute of Unauthorized Inquiries on my credit report I am writing to dispute unauthorized inquiries on my credit report maintained by your agency. Despite my previous attempts to resolve this issue, these inquiries remain on my report. 

Unauthorized Inquiries : [ inquiry ] XX/XX/XXXX ] [ XXXX XXXX XXXX ] I have been a victim of identity theft, and someone has been using my personal information without my consent. I have contacted Trans Union, XXXX, XXXX and informed them of the unauthorized activity. However, they have refused to remove the inquiries. 

Previous Dispute Efforts :. Date of initial dispute : [ XX/XX/XXXX ] Method of dispute : XXXX Phone/Email/Letter ] Company representative XXXX XXXX XXXX ] Request : I request that you : 1. Immediately remove the unauthorized inquiries from my credit report.

2. Conduct an investigation into this matter.

3. Provide documentation supporting the removal of these inquiries.

FCRA Section 611 Pursuant to Section 611 of the Fair Credit Reporting Act ( FCRA ), I request that you take prompt action to correct or delete the disputed information. 

Personal Information : Name : [ XXXX XXXX ] Address : [ XXXX XXXX XXXX XXXXXXXX la XXXX ] Documentation : I have attached a copy of my Identity Theft report ) to support my claim. 



I certify that the information provided is accurate and true. I authorize your agency to investigate and correct my credit report
Consumer complaint received 2018-01-08
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: SYNCHRONY FINANCIAL (KY)

This complaint is regarding Care Credit XXXX FL. 
In XX/XX/XXXX my son had XXXX XXXX XXXX and this credit card was recommended, interest free. The Initial Fee was {$4900.00} for the XXXX. After either a year or 2 years, the balance was n't paid off, so they accrued interest back from the original amount and added to our amount due. Interest rate is 26.99 %. From opening date in XX/XX/XXXX thru XX/XX/XXXX I had paid {$8500.00} on this account, still leaving a balance of {$3400.00}. 
I spoke with XXXX XXXX requesting a settlement amount to clear this account ; because I am never going to get them paid off! Her answer to me was " their system did not allow settlements on accounts '' meaning I was stuck with the balance of XXXX XXXX! 
I continued to pay, approximately 700 - 800 more, up to this point. Thus far I have paid approximately {$9200.00} for a {$4900.00} XXXX, and still owe somewhere around {$3000.00}! I totally feel I have more than paid this account in full! However, I have to continue making payments, or they will ruin my credit. This company is taking advantage of customers who need assistance with medical, dental, or eye procedures. They talk the card up, its easy to get, then you are slammed like I am.
Consumer complaint received 2018-01-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (TN)

My complaint is about XXXX XXXX collecting for XXXX XXXX on a XXXX credit card. 

During a period of financial difficulties, I got behind on my small debt with XXXX through XXXX XXXX. They have since started charging me a huge fee each month such that I will have difficulty ever bringing this account current even though I make a payment each month. 

XXXX XXXX calls me almost every day up to sometimes 8-10 times, including on Sundays. 

I have tried to make settlement with them but since most of their people do n't speak plain English it is impossible to deal with them. Even if you call XXXX XXXX itself, you still get connected with someone who does not speak clear English. 

If they want to call one time per day I can accept that but I am sick of the Sunday calls. 

This company should be shut down for its many violations of the federal debt collection laws. 

They call me both at work and on my personal cell phone.
Consumer complaint received 2018-01-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Coinbase, Inc. (MI)

Hi there! I was doing trading on coinbase, and 1 month ago I tried to withdrawal from my coinbase account to my XXXX XXXX XXXX account.Transcation appears complete, But I still couldnt get my XXXX $ from coinbase. I dont reply my mails, calling etc. I dont know what I have to do. Could you help me about it please
Consumer complaint received 2018-01-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (AZ)

I opened a Coinbase account in XX/XX/XXXX I purchase Ethereum {$1500.00} worth. Then I purchased Bitcoin {$2500.00}. I also purchased {$1000.00} in Lightcoin. I called in after the purchases at the time the company usually answer the phone right away. I communicated with employee at their XXXX at this time i called to see about fees on Ethereum purchase. The Coinbase Rep explained it to me and then asked if a two tier Representative in Finance could called me within 30 mins. I said yes. At this time he called me convinced me to buy to Bitcoin for {$25000.00} dollars and that Bitcoin would be {$40000.00} buy XX/XX/XXXX The reps or thieves put one of the Bitcoins in my account at Coinbase I saw in my account acceptable to my XXXX XXXX XXXX Account or XXXX XXXX Account. I only recieved to my accounts. Next thing you know my computer was on I look up to see! Bitcoin was transferred from my account without my knowledge. A {$18000.00} dollar transfer with no calls ne emails nothing. I called Coinbase for weeks. They were not answering phones this whole time which enabled this Fraud. I could not get through for weeks. Now that they answer they tell me a 2 level person handling my account will be in touch. They tell me dont file complaints or I will be Blacklisted, Help
Consumer complaint received 2018-02-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: SECURITY FINANCE CORP (WI)

Yes I got a small loan from security finance in XXXX XXXX wisconsin Ive been a customer to them for a couple years have always made payments never missed one they might be late and I pay the late fee but they just call as soon as Im a day late and before I would answer and tell them when they could expect my payments but after the last time I answered their call the lady had the nerve to ask what I did with my last paycheck so now I dont answer until I have the payment which means they call 3 times a day while Im working they have called my references trying to get a hold of me they are worse then mosquitoes Im fed up I plan on paying them I wouldnt not pay my loan off I just want them to stop with all the calls I know if its late Im not XXXX.
Consumer complaint received 2018-01-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TX)

I 've been dealing with XXXX for years and I 'm at wits end. They 've lied to me repeatedly about whether or not my loans qualify for PSLF, what the status of my loans are, and what money I owe. I applied over 3 months ago to recertify in a income based repayment plan, and have been through several waves of contradictory information. I first talked to a person a couple of months ago who assured me that my loans were pending approval for an IBR plan and that I would owe {$5.00} for that month. A month later I was given a bill for a full standard repayment amount, which did n't make sense to me since I never transferred to this plan. I called and spoke to a person who also did n't know what was going on, but said that I could defer and the following month I would be paying on IBR. Now this month, despite filing to defer a month ( which I hated doing because I want to pay this loan down but XXXX forced me into it through their own incompetence ) my account now shows TWO bills of standard repayment and no end in sight for IBR. XXXX does not communicate, has not responded to emails, and has told me different contradictory information every time I 've spoken with them. 

As far as I 'm concerned, it 's not a matter of 'if ' but 'when ' for a huge class action lawsuit against XXXX, as I 've read countless articles and stories from people in similar situations and that must only scratch the surface of people in my shoes. They are incompetent mismanagers of federal loans that are having drastic impacts on people 's finances, including my own.
Consumer complaint received 2018-01-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. ()

Hello, On XXXX XXXX XXXX I sent a message to Coinbase through customer support telling them that I saw unknown Ip adresses trying to log into my account. I made clear that this made me worry, and asked them to, if possible, 'block ' all the other Ip-adresses except mine for my account. That was the only thing I asked for. 

The next day ( XXXX XXXX XXXX ), I already got a response. They said that my account has been locked now, until I am sure that my account is secure. They asked me to answer 4 questions so they can savely unlock my account. I think I did this the very same day or the day after. 

But until now ( XXXX XXXX XXXX ), I still did not receive any help or response for this case. I sent them multiple messages since then, I also called the customer phone number 4-5 for more than 1 hour  waiting without any response also. 

I feel very frustrated because of this, there is a lot of money on my account which I can not access now. This really should not be happening. 

Thank you so much for understanding.
Consumer complaint received 2017-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NY)

Hello We recently had a dispute with Chase credit card services. Below are the dates and amounts of the transactions. 

XX/XX/XXXX XX/XX/XXXX Adjustment XXXX XXXX Work RelatedCategory for XXXX XXXX : {$5800.00} Show details XXXX XXXX XX/XX/XXXX XX/XX/XXXX Adjustment XXXX XXXX Work RelatedCategory for XXXX XXXX : {$540.00} The transaction was disputed because we never received the services from the vendor. Chase had asked us for more details which had been provided to them. They told us the information was never received and that they only accept it via fax. We tried faxing it multiple times and they told us it takes 1 day to verify receipt of a fax so they could not tell us right away. 

After all of this occurred they closed the case and told us it has been too long and that they never received anything. 

Please help me.
Consumer complaint received 2018-01-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CHS, Inc. (VA)

In XXXX of XXXX, I had an XXXX XXXX at XXXX XXXX XXXX XXXX in XXXX, VA. I was a new patient to the office. They were given my accurate personal contact info, as well as my insurance info. 
There was a separate physician involved in the reading and interpretation of the XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Her office generated a separate billing for her service ( {$92.00} due after insurance was processed ). I received the billing and Insurance EOB for the actual XXXX in a timely fashion. The Dr who interpreted the images, her office failed to have on record my address info. I NEVER received a billing for her services. After several months of non-payment, they turned the account over to XXXX XXXX XXXX in XXXX, VA. They also had no address info to accompany the collection account, so they never contacted me either. 
In generating a personal credit report in XXXX of XXXX, I discovered the collection account on my credit report. I contacted XXXX, they had to track it down and explained why I never received notification of the collection status from them ( lack of contact address ). 
I called the medical office, who stated they indeed had no contact address for me ( why the initial registration info was not transferred to them, I do not understand ). They stated they would submit an explanation to the credit reporting agencies ( which they did not ). I promptly paid the bill ( {$98.00} on XXXX/XXXX/XXXX ) to XXXX XXXX XXXX. I filed a dispute with details to XXXX in XXXX XXXX. I filed a consumer statement on my account in XXXX XXXX, because it still showed as unpaid. XXXX  continues to show the obligation as unpaid. I have tried to work with them in order to have the status reflect the bill has been paid. They have not corrected the account to reflect this. I did ask for a consumer statement to be recorded on my file, but the account needs to be posted as paid. 
Also, it was not any fault of mine that this account was turned over to collection, yet I am suffering due to the office 's lack of follow through in obtaining my billing address. 
I request assistance in having this account posted as paid back on XXXX/XXXX/XXXX, and what can be done as far as the unfairness of it going to collection in the first place? 

I have attached my bank transactions showing the payment being posted to XXXX on XXXX/XXXX/XXXX. Also the paperwork showing original amount due to XXXX XXXX office.
Consumer complaint received 2018-01-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Social Finance, Inc. (MI)

I am a graduate student at the University of XXXX in a dual degree program, pursuing an XXXX from the XXXX XXXX XXXX XXXX and an XXXX from the XXXX XXXX XXXX XXXX XXXX ( part of XXXX XXXX XXXX XXXX XXXX ). This is a three-year program ( it  saves a year as both programs are normally two-year programs ). The schools charge different tuition, so I am enrolled in XXXX for one year, XXXX for one year, and then in my final year I am enrolled for one semester in each school. I began my program in XX/XX/XXXX and will graduate in XX/XX/XXXX ( my unofficial transcript is attached ). 

I took out a loan with XXXX in XX/XX/XXXX and another in XX/XX/XXXX to pay for my first year of my program. 

On XX/XX/XXXX, XXXX ( servicer of my private loans with XXXX ) sent me a notice that I was in repayment. I sent a message asking why and received a response to send a in an in-school deferment request. I discovered that I need the University of XXXX registrar to certify the request and that my loans with two other servicers also had put me into repayment. 

I attempted to fix this with XXXX, but have not been able to solve the problem. 

I then attempted to call XXXX to work with the loan company directly. I called XXXX and the customer service representative was unable to find record of my account in the system. She did not provide me any details on how to find my account and only told me she could not discuss my account/help me until she found my account. This does not help me as she could not find me account and gave me no information on how to rectify the issue.
Consumer complaint received 2017-10-03
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

My husband and I requested credit investigations with Equifax back in late XXXX. Well over 30 days have passed. My husband received his credit investigation results but I have yet to receive mine.
Consumer complaint received 2018-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Upon applying for a loan at my XXXX XXXX XXXX XXXX, XX/XX/XXXX. I have XXXX XXXX downloaded on my phone. That night i got a ding from XXXX XXXX. XXXX XXXX XXXX had hit my credit ... like i had applied for a loan there. I have not. Also, XXXX/XXXX had onXX/XX/XXXX. And XXXX on XX/XX/XXXX ... There is no reason for any of them to hit my credit. As a result my Credit score has gone down from XXXX to XXXX and XXXX. I would like to know why and how they acess my account without me asking them to. I am trying to get my credit back in check. Any help you can give me would be much appreciated. Thank You, XXXX XXXX
Consumer complaint received 2018-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (MO)

i checked in my credit report ( XXXX XXXX ) and once again .in my inquiry type : FINANCE, PERSONAL LOAN, DISCOVER INQUIRY DATE XX/XX/XXXX.. (  XXXX ) XXXX address :XXXX XXXX XXXX XXXX XXXX, DE ,XXXX XX/XX/XXXX. 
another Discover bank card was tried to be used in my name, or a personal loan, Discover Credit Operation team. 
XXXX aplication numb. # XXXX XXXX thes discover bank cards and personal loans is not by me ... ( FRAUD ) ... I understand some did receive a personnal loan threw discover..i put in 4 disputes to get this removed ... im on XXXX.. ssi ... like to give ( CFPB ) authority to request information in that file that was in my name.. ID.THEFT.