davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

On XX/XX/2018, Coinbase made an unauthorized withdrawal of {$240.00} from my XXXX XXXX XXXX checking account. The transaction listed itself as a Bitcoin ( BTC ) purchase. I did NOT request this. I also did not receive any notifications/confirmations via email or in my coinbase account. I did not receive the BTC that was supposedly purchased. 

I called Coinbase the same day and they assured me that my issue would be treated as a priority and the money returned. Nothing happened for two weeks despite multiple email requests for updates.
Consumer complaint received 2018-03-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/XXXX, I attempted to pay my rent for my business office space ( {$1400.00} ) as  requested by my landlord, he specified that the had an account set up with Chase Pay with XXXX and provided me his company name. I went to the pay page on Chase.com ( as I am also a Chase customer ). There no instructions on the page or disclosures about how this worked, just a space for an Name, mobile number or email. I put in the information ; Name and email ; and it stated it was pending and would send notification. After 8 days it did not got through, and I assumed that it must be wrong information and was not able to be verified. Since I am in another state, on XX/XX/XXXX, I attempted to send again using the mobile number of my landlord and company name. The transfer stated completed immediately. I contacted my landlord on XX/XX/XXXX and mentioned that the funds had transferred and he informed he had not received the money. I logged into my account and upon closer inspection realized that I had erroneously entered his mobile number. I contacted Chase that day as the wrong number obviously is registered and they would have a way to track where they money went that was clearly intended by name to my landlord. Chase informed that they had no liability in this situation, this was a user error and they do nothing to verify account information ( name and phone/email match ). They also told me that they would try to recover the funds but they would not file a claim nor would they pursue using their resources to get the contact/account information of the account holder that was given the number. Chase Pay with XXXX markets itself as a " safe secure '' way to send money but does not provide any protection in the event of the money going to the wrong person. Clearly Chase also endorses this as a safe way to transfer and yet has no process for safety or security to ensure verification of an account by name. There should be some type of guarantee when using your own bank recommended way of transferring money that the money is not going to the wrong person or if the wrong person fraudulently accepts this money without their name on it, the bank will pursue getting the money back in the same way they would if someone cashed a check sent to another name but to their address. There is no way to contact XXXX and Chase has not attempted to do so for me in case the money has not even been delivered. Clearly we have the contact information for the person who received the money and they must have a registered account with XXXX in order to get the money sent to them so the tracking piece seems like it should be easy but Chase says I am just out of the money. 

Marketing as safe way to send money but no protection by your own bank No guarantee the money reaches the intended person 's account I do have copies of the transaction, amounts, numbers, recipient name etc..
Consumer complaint received 2018-03-07
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: EQUIFAX, INC. (FL)

In 2012 i had full Medicaid due to XXXX. The hospital apparently did not provide their XXXX   dept this information. These bills were sold to XXXX XXXX XXXX. I have disputed with them. Equifax has continued to allow these bills to remain on my report even though i have disputed with Equifax as well as the company. Equifax allows companies to put whatever information they want on credit report but refuses to remove or correct when there is an error.
Consumer complaint received 2018-03-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I contacted XXXX XXXX XXXX to dispute a charge on my account from XXXX on XX/XX/XXXX. After a week, I found out that the dispute was never processed. So on XX/XX/XXXX another agent filed the dispute. The total amount of the charge was {$870.00} but I only asked to dispute {$400.00} of that charge. I was told that I would receive a letter in the mail from Capital One about the dispute and for me to send in any related docs I had to help the case. I never received anything, but 3 weeks later I get a notification on my phone that I had a deposit to my checking. The notification was that I received a deposit in the full amount of the disputed charge. I immediately called XXXX XXXX XXXX   and spoke with an agent and she informed me that XXXX credited my account. I asked her several times was this a provisional credit or a permanent credit and she assured me that it was permanent and that I did not need to take any further actions because XXXX decided to reverse the entire amount. Of course I was happy until a few weeks after that, I received a letter from Capital One stating that they were going to close the case because the merchant provided docs proving that the charge was valid. Again, I called Capital One to ask why I received this letter when I was told the credit was given from XXXX. A gentleman told me that the letter must be an error, but the credit from XXXX is a permanent credit from XXXX and that they can not reverse it. I asked him over and over again, was the credit a temporary credit and he ensured that it was NOT and that I can disregard the letter. Yesterday ( XX/XX/XXXX ) I receive ANOTHER letter from Capital One stating again that they are closing the case because the merchant provided docs saying the charge is valid AND that Capital One is reversing the temporary credit that was given on XX/XX/XXXX. So I called back to Capital One and NOW they are telling me the credit was only temporary. I am now VERY angry because this whole process was handled incorrectly! 
1. Capital One processed the dispute for the incorrect amount 2. I never received any letters from Capital One asking me to send in anything related to my case. 
3. I was told from 2 agents the credit that was on my account from from XXXX and NOT Capital One and it can not be reversed. 
4. I now can not escalate my dispute with XXXX because the t/f to continue the dispute with them has passed.
Consumer complaint received 2018-03-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (DE)

XXXX XXXX XXXX Fraudulently placed a collection on my credit reports from XXXX for {$98.00} that does not belong to me and XXXX Fraudulently billed for Medical service never Authorized ref file number XXXX XXXX XXXX
Consumer complaint received 2018-03-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (CA)

False reporting of invalid/fraudulent debts to credit reporting agency XXXX XXXX XXXX is suddenly appearing on my credit report multiple times with invalid debts. The only XXXX account that I ever had was paid in full and the equipment returned. There was no further correspondence received from the original company. I have not had nor do I currently have a XXXX account. I have also never received a letter or phone call from XXXX XXXX. Whenever I attempt to call XXXX XXXX XXXX I have troubles. They have an XXXX number that never gets me anyone as well as the contact numbers that have been left on my credit report are not in service and have not been updated, which is already evident of bad business practices. In looking up this company they have a bad rating and according to many have a shady history of doing business. These are not valid debts and are leading me to believe that XXXX XXXX XXXX is in fact fraudulent. These negative reports are inaccurate and I have yet to receive any information showing otherwise. These items should be removed from all credit agencies as they are invalid, disputed and causing negative marks on my credit report and credit score.
Consumer complaint received 2018-03-07
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc. (CA)

I have been contacting XXXX XXXX XXXX XXXX Credit Card since XXXX. 
They havew given me the run around and have refused to work with me on a solution. I have EXCELLENT credit and paid every month more than was due on my account. I had an emergency and tried to defer my interest and was hit with a XXXX penalty. I have called, emailed, and written numerous letters and the Company will not work with me.
Consumer complaint received 2018-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY (FL)

Back in 2017 my American express card # XXXX was involved in an internet scam. 
I applied for a job in the internet with NY company as a procurement, went though the on-hire process were I gave them my personal information, including a copy of my credit report. 
Prior to my starting date the company made contact with me and explained that they couldn't get me on payroll yet and that i was on a trial period, they way to operate in the mean time was for them to paid off one of my credit card balances or deposit some money in one of my credit card so i could make the purchases. I stupidly gave them access to my American Express two days later they made a deposit for {$4000.00} that reflected on the account, they sent a list of purchases to buy electronics in XXXX XXXX and XXXX  and at that point i realized there was something very suspicious and the have taken control of my account information. I called American Express to let them know that something was wrong an to returned the money which they did and everything went back to normal in my account for 2 months then without me knowing by XX/XX/XXXX the account was tempered with again however since there was a warning in the account XXXX  proceeded to return the funds back again making the mistake and in stead returning twice the amount by wire and by electronic check debiting my account double. For 5 months I tried to resolve my fraud case with XXXX  who in turn after 27 years of relationship denied my claim that was being investigated through an XXXX department. I reopened the case 5 times every month with the help of a lady XXXX in the USA who was able to figure out what went wrong but by XX/XX/XXXX she retired and the case was left lingering and unattended I opened again though XXXX but no responses were achieved. In XX/XX/XXXX they reach out to me to demand collection but morally and ethically i couldn't move forward to pay a debt that was American Express mistake. 
XXXX transferred me to collections know and i continue unemployed.
Consumer complaint received 2018-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (WA)

Dear EXPERIAN : Please be advised that you are reporting the wrong Public Record information on my credit report. Please delete and/or remove the Bankruptcy from my report as it does not belong to me and is being reported in error : Record Type : Bankruptcy chapter XXXX-discharged, Filing Date : XX/XX/2013, Amount : {$0.00}, Reference Number : XXXX Court : US BKPT CT WA XXXX. 

I will await an updated copy of my credit FILE to reflect these changes. Thanking you in advance. Sincerely, XXXX XXXX, any help you can give me with updating this information as soon as possible would be greatly appreciated.
Consumer complaint received 2018-12-10
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX CAPITAL ONE BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX The above companies have collections and/or charge-off accounts on my credit reports I have disputed it. It has been over 30 days and the credit bureaus have not given me a response. This is not my account and the account was opened fraudulently. These accounts need to be removed from my credit reports.
Consumer complaint received 2018-03-08
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: D&A Services, LLC (ID)

Last fall ( XX/XX/XXXX ), D & A Services LLC began contacting me to collect a strangers debt. After several phone calls clarifying that I am not the individual in question and asking for the attempted collections to stop, they took a break from calling me. They contacted me again today ( XX/XX/XXXX ) to pursue collections of the stranger 's debt through me. Unfortunately, due to a data breach at XXXX, all the call records prior to XX/XX/XXXX have been lost and I can not provide the dates the contacted me priorly.

I will not pay for a strangers debt and D & A Services refuse to acknowledge this. Please help me.
Consumer complaint received 2018-12-10
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: Experian Information Solutions Inc. (NJ)

I notice multiple inquiries on my EXPERIAN credit report, some reporting twice from the same company. Some different companies but the same day. 
XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX : XX/XX/XXXX XXXX Type All Banks - non specific XXXX CREDIT/ROUTE XXXX AU Dates : XX/XX/XXXX : XX/XX/XXXX : XX/XX/XXXX Type Automobile Dealers, Used XXXX XXXX XXXX Dates XX/XX/XXXX XXXX XXXX XXXX All Banks - non specific XXXX Date XX/XX/XXXX Type Savings And Loan Companies XXXX XXXX   Date XXXX Type All Banks - XXXX XXXX XXXX XXXX Date : XX/XX/XXXX : XX/XX/XXXX Type Auto Financing Companies XXXX XXXX XXXX XXXX Date XXXX : XX/XX/XXXX Type Auto Financing Companies XXXX XXXX XXXX Date : XX/XX/XXXX Type Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Type All Banks - non specific
Consumer complaint received 2018-12-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have been trying to close my account since XX/XX/XXXX when Bank of America placed my account in closure status. I have called at least 40 times, gone into a branch at the direction of the risk department to withdraw my money and was unsuccessful. 

As of XX/XX/XXXX, Bank of America informed me that they were no longer closing my account due to an error made regarding fraud that was not fraud. I was told my account would update overnight and my money would be available the next day XX/XX/XXXX. 

Now on XX/XX/XXXX I call and I'm told Risk isn't the right department, I get transferred to a supervisor who hangs up on me and doesn't attempt a call back. Upon calling back into the Risk department I'm told that they do see the notes and it could take 24 to 48 hours for me to receive the update and gain access to my account and money. Well, it's been 72 hours since that time and nothing. Additionally this has been ongoing withholding my money from me for almost two full  months.
Consumer complaint received 2018-12-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (NC)

I reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/2018, XX/XX/2018, and XX/XX/2018. It is now XX/XX/2018. I sent the NATIONAL CREDIT SYSTEM a copy of my police report, ID Thief Affidavit, ID, and my social security card. The company has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act. 

The only resolution is to remove this fraudulent account removed from my XXXX immediately which is in direct violation of the Fair Credit Reporting act.
Consumer complaint received 2018-03-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (PA)

Early in XX/XX/XXXX, we applied to have our PMI removed from our mortgage through PHH Mortgage Services. We sent them the correct application and paid {$150.00}, which posted to our bank account on XX/XX/XXXX. On XX/XX/XXXX, we received a letter declining our application for the following reason : " The Certificate Value ordered does not certify the original value of your property. 'Original value ' means the lesser of the contract sales price of the property or the appraised value of the property at the time of the loan was closed. This excludes NY State properties, as the higher amount becomes the 'Original value ' ''.

They used three homes to compare our home 's value to. 1. These homes are not in our neighborhood or subdivision, and are not quite comparable, 2. They are not as comparable to the homes within our own neighborhood, of which 2 sold this past year for higher values than we bought
our own home, and they are identical in property size and home model. In addition, both XXXX  and XXXX place the value of our home, currently, at {$34000.00} above the amount of our original loan. In our opinion, they chose three random homes that sold below the cost of our home 's original loan, without even looking at the homes within our neighborhood and the market 's estimates on our own home. 

We called to complain, but they said that nothing can be done, and the {$150.00} is nonrefundable ( this is quite the fee for our family, as we currently need the PMI dropped to make ends meet ). Their only solution is for us to pay an additional {$250.00}, for a total of {$370.00} for a proper appraisal ( although that amount would really be {$220.00}, because they say we only paid {$120.00}, even though we have bank records ). This appraisal does not guarantee the removal of our PMI. We simply ask that they be fair with their process. This is a complete scam and an arbitrary process, as well as a way to make more money through a proper appraisal ( which they should have done the first time ).
Consumer complaint received 2018-03-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (CO)

I just called the student loan provider because I noticed that I had forbearance on my account, he said oh that is just an administrative one because you are waiting to hear back about your IBR. I double checked to make sure that I was not being charged because I did not want to be in forbearance I just wanted to get into IBR.

He double checked with his supervisor and found out that I actually was being charged for one month of forbearance ( XXXX ) because I was behind on my payment before I applied for IBR. Which is a whole other story because they lost my application the first round inXX/XX/XXXX so when I reapplied in XX/XX/XXXX I hadnt paid the past month because on their website it said that my application was processing. When I talked to the servicer that time she just send oh just resend your paystub and I will get the application moving. Not saying a word to me about putting me into forbearance.

Now on XX/XX/XXXX I called to double check the progress of my IBR and when he cam back to the phone and let me know I was being charged I asked him if there was anything I could do because I had already had this conversation a month ago and thought it had been figured out and now I am being charge XXXX  to get to a IBR plan which was because I couldnt afford it in the first place.

He then let me know that while he definitely agrees what happened to be was wrong and how he believes me that my application was lost the first time that it was honestly an unwinnable case against the company because there is no documentation from the processing department saying they every received my first application so I would have nothing to show to say that I was wronged. He then added that it would only be XXXX  a payment in the future on my loans so is it really worth it? He also added that to continue moving my application along they were missing how often I get paid and the application would not have been able to move along had I not called. They also had never informed me of this or sent me any notification about it.