davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NC)

This is regarding case # XXXX at Coinbase ... they opened the case in XX/XX/XXXX but have never resolved it. Now I can not get to {$1100.00} that is in my Coinbase/XXXX account and they continue to create unauthorized charges to my account. 
XXXX On XX/XX/XXXX, Coinbase double charged the 4 most recent ( at that time ) transactions to my XXXX debit card in the USD amounts of {$220.00} ( original was XX/XX/XXXX ) {$100.00} ( original was XX/XX/XXXX ) {$100.00} ( original was XX/XX/XXXX ) and {$150.00} ( original was XX/XX/XXXX ). 

I called Coinbase immediately and they opened a case ( XXXX ). I sent screen shots of the duplicate transactions at their request. After several phone calls with Coinbase 's tier 1 support, I was finally told that this was XXXX XXXX fault and that I would have to work this out with my bank. My bank told me I needed to submit an unauthorized transaction form. I did that and my bank redeposited the funds to my account at the end of XX/XX/XXXX. 

I left my Coinbase account open thinking the issue had been resolved but removed my XXXX and XXXX XXXX debit cards and left my bank account attached to my Coinbase/XXXX accounts because Coinbase said there was no issue with bank accounts, only XXXX. ( XXXX is a trading site that is run by Coinbase. One account allows use of both sites. ) I never received notification from Coinbase that case XXXX had been resolved on their end or even looked at beyond tier 1 support. Their tier 1 support is unable to do anything other than answer phones and escalate cases. They had assured me that my case was escalated and would be handled by a specialist. I never heard from a specialist.

However, on XX/XX/XXXX, I received 4 emails from Coinbase, one for each of the double transaction charges. Because the charges were reversed, they locked my XXXX  account which has USD XXXX LTC XXXX ETH XXXX BTC XXXX ( total USD {$1100.00} ). 

Additionally, on XX/XX/XXXX, they withdrew 3 new charges in the amounts of {$230.00} {$100.00} {$150.00} These were not duplicate transactions. These amounts do not match anything in my Coinbase/XXXX history. They are random amounts and I have no idea where they came from. 

I called Coinbase about these transactions and submitted a screen shot of them as well as an email detailing all the history from XXXX, with screen shots and copies of their own emails. I submitted another unauthorized transaction form and my bank redeposited the amounts in my account. 

However, the Coinbase website indicated that I needed to pay {$100.00} to regain access to my XXXX account. I did that on XX/XX/XXXX, but still do not have access to that account where they are holding funds in the previously mentioned amount of {$1100.00}. 

I have called repeatedly and have filed complaints on Coinbase 's XXXX. It has been 51 days and there is no movement at all on the first complaint and now I have file new complaints which are getting no attention at all from them.
Consumer complaint received 2017-11-02
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

On the XXXXXXXX I made a payment at capitol one credit card for {$1800.00} I have emails confirming the payment posted however on XXXX XXXX XXXX XXXX capitol one charged me again for the same amount, purchase adjustment, I called XXXXapitol one and they said they charged me twice and I will pay twice and they wont refund my money.
Consumer complaint received 2017-01-04
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Performant Financial Corporation (FL)

they say my federal student loan defaulted, so XXXX XXXX, a state agency, paid a default claim, title, and interest. I have not received any notices before, nor do I recognize this loan. All my students loans are under defferement with XXXX. As a result of this, any state tax refunds, rebates, contract wages or other amounts owed may be retained in full.
Consumer complaint received 2016-07-19
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Solutions, LLC (KY) (TN)

They call and let it ring twice and hangup. I returned the call and a woman answered and said they will make note that I wanted them to stop. She then said that I was not in their computer system. 

This Company has called and hungup on me over 10 times already
Consumer complaint received 2016-07-13
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: PNC Bank N.A. (FL)

PNC Bank frequently sends me letters soliciting me to apply for an unsecured installment loan. On XXXX XXXX, 2016, I did apply, by telephone. Two days later my application was declined. My complaint is that if this bank does not want to make me a loan, then do not bother me with their stupid solicitation letters. The marketing department of PNC Bank should only send letters out to those individual that they are prepared to give a loan.
Consumer complaint received 2017-02-02
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Financial Corporation of America (OK)

I did n't really know what to put this under. But the collection agency sent me the financial aid application for XXXX and I 've filled it out and took it up to the hospital however they refused to take it because it has been well over the time frame for submission. However it is the hospitals fault that the application was not submitted in time because of their initial refusal to assist me with my 1st request
Consumer complaint received 2017-11-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (CA)

UNEXPLAINED AND INEXPLICABLE CHECKING ACCOUNT CLOSURE Dear Recipients, I am alerting you as well as giving you the opportunity to correct a mistake before it becomes a Media or Legal problem for Chase. 

Last night while at XXXX XXXX in XXXX XXXX, CA, my purchase was declined. Embarrassing and also Alarming I left the store without my Purchase. 

I proceeded to log into my account via my phone and the Chase App, on my phone. The App denied me access to my account, so I decided to call the Customer Service phone number to find out what had happened. 

This what I was met with, : '' Sir we have decided to end our Banking Relationship with you after Internal Review the Decision was made '' " What information was used or what decisions had been reached, using what data, to make that decision '' I asked. 

The response was that they have no responsibility to tell me or explain the Decision. 

Pretty Incredulous RESPONSE to a simple inquiry. 

As a Politically Active XXXX Man who is XXXX XXXX  and uses my account for the primary purpose of Receiving Federal Funds from the US Treasury and XXXX XXXX XXXX Benefits, I can only surmise that Chase Bank engages in Discriminatory Practices, for people such as myself. 

I would have to assume this based on the lack of reason being provided. I know that Social Media as well as Stories of Interest, can be a powerful tool to bring about change. I also have no problem involving Media, Politicians and using full weight of the XXXX Community to bring about an instant response. 

Why do I need to do that? 

I activevely suggest and require a response immediately to mitigate any further action on my part. 

Sincerely. 

XXXX XXXX XXXX XXXX XXXX ; XXXX Show quoted text
Consumer complaint received 2017-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

Before moving overseas in late XXXX, I called in to pay my USAA credit card account in full. During the conversation the representative, they let me know that the payment was completed, however, it was not. I did not find out about this until I returned to the U.S.. Once I did I spent time trying to figure out what had happened and then paid the balance. the representative admitted that they made a mistake entering my account number and once paid this item could be corrected on my credit report. Another issue was that I had always received email bills and statements, but I never received anything involving this bill. 
I have tried talking with USAA on getting this resolved as well as the credit bureaus, however, I have gotten nowhere.
Consumer complaint received 2016-06-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I sent a dispute to TransUnion based on inaccuracies being reporting by XXXX XXXX XXXX XXXX. The account was set up on automatic deduction and the credit union failed to take out. I spoke with representatives from the credit union who asked me to send a dispute to TransUnion and when TransUnion contacts XXXX XXXX XXXX XXXX, ( Creditor ) they will request the information be corrected. TransUnion deleted the account, along with XXXX other accounts I have with XXXX XXXX XXXX XXXX. XXXX account was paid in full with a perfect payment history, and the other XXXX accounts are being paid, with a perfect payment history. A total of XXXX accounts were deleted, due to Trans Unions error and has affected my score and my ability to secure a mortgage.
Consumer complaint received 2015-07-13
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC. (IL)

When I got divorced I assumed my car loan and a personal loan. My ex-wife assumed her car loan and a personal loan. After we were divorced for awhile she filed for bankruptcy on her XXXX loans. She did n't make her minimum payments for the bankruptcy so the loans came out of bankruptcy for her to pay on. She is n't paying on the car, it was repossessed, and now the bank is coming after me. This debt was hers to pay per a court order. I am being harassed by the bank and it is ruining my already damaged credit. They are threatening to turn this in as income under my name. My ex-wife is n't getting any notifications from the bank. Her bankruptcy also showed up on my credit as her personal loan was written off as a bad debt.
Consumer complaint received 2016-03-19
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Circleback Lending, Inc.(Closed) (IL)

Applied for loan with Circleback Lending - after they solicited me for my good credit record. Submitted all documentation that was asked for. They asked for a promissory note from XXXX XXXX loan that I received in XX/XX/XXXX. I talked to them on the phone and received multiple form letters asking for the promissory note. Each time I explained there were XXXX separate promissory notes for this loan since the funding is provided by individuals. I provided copies of some of these promissory notes and was told it had to be XXXX promissory note. It does not exist. I was not able to get someone to look at this and treat it the way it should be treated. They denied the loan saying I could n't provide documentation. But I did provide the documentation that exists for the XXXX XXXX loan.
Consumer complaint received 2017-02-27
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Big Picture Loans, LLC (IA)

Here is a detailed description of the issue. 

First, I never recieved confirmation of the loan, the payments expected, or the like. I had to contact them to get this information. I felt it was too expensive so I did what I could to solve my issue. 

On XX/XX/XXXX, I checked my online account with big picture loans. The payoff was listed as {$660.00}. I called and was quoted a payoff of just under {$630.00}. I recorded the authorisation to debit my account and pay this balance. 

About half an hour later, I recieve a voicemail to call big picture customer service. I called and was told I had been given the incorrect amount and my payoff amount was actually just under {$670.00}. I protested and was told, " sorry, the previous representative was in error ''. I asked why the online amount was different. I was told it was old information. I requested a supervisor. The supervisor insisted that the payoff was correct at just under {$670.00}. I told him it was extortion. In the end, to terminate the issue, I had to record a second authorization for the withdrawal of their " corrected '' balance. I made it clear that I felt this was wrong and only did so to end the matter. 

After the call, I returned to the website. Their " correct '' payoff balance still does not show. I 've trained a screenshot of the website that I accessed after this phone conversation. 

Upon advising the company that I was escalating my comlaint through consumer channels, I was told by big picture that the payoff was stopped and the matter would be investigated. However the withdrawal of {$670.00} processed out of my account on XX/XX/2017. 

I hope you can help me make sure others dunt face this challenge.
Consumer complaint received 2017-03-22
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Northstar Location Services, LLC (AZ)

I received a call from Northstar Location Services regarding the debt of a relative. They also contacted another relative, disclosing the relative 's debt, as they also did to me. They also left a message on my cell phone ( all contacts were made to our cell phones. ) No one ever gave them permission to contact us, especially on our cell phones. The caller was deceptive as he asked " who is this? '' When neither of us would disclose our names, he gave out the information that they were a debt collector and the name of the person involved in the collection.
Consumer complaint received 2017-01-13
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION (WI)

I have placed a request of transfer of Health Savings Account funds from HSA Bank to another custodian since early XXXX. I have contacted HSA Bank several times to inquire on the transfer status. Each time I am confronted with another delay and excuse why they wo n't release the funds. The last time ( XXXX XXXX, 2017 ) I was told that they require up to 6 weeks to process a payment. It is beyond reasonable that a banking institution would require such a duration to perform an action like this. At this point, I believe the funds are being withheld with undo and intentional delay for financial gain of interest and/or fees by HSA Bank. A definition of fraud is a deliberate deception to secure unfair or unlawful gain, or to deprive a victim of a legal right.
Consumer complaint received 2017-02-13
Product: Credit card — 
Issue: APR or interest rate — 
Company: BARCLAYS BANK DELAWARE (CA)

I have called my credit card company ( Barclay Card USA ) and asking for help so I can pay off my credit card and I was told that my interest rate is the lowest right now ( it 's at 24 % ). I would like to ask your help in any way that I can lower my interest rate on card to a manageable rate so I can pay it off and close it. Thank you
Consumer complaint received 2016-03-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch (TX)

I received a letter from BSI Financial stating they were setting up an escrow account because they made a payment to the county tax office in error. I checked the county tax office and they do not show receipt of this payment. BSI states that I have a negative balance of XXXX in an escrow account. I pay my taxes directly, which is the way the mortgage was originally set up. BSI bought the mortgage from XXXX. My tax bill was paid on XXXX XXXX, 2015, by me, way before the due date. 
I have tried to contact BSI financial at XXXX, which is the number shown on the letter received. I called during the business hours listed on the letter. I can not reach a live person. 
I believe that BSI is fraudulently setting up an escrow account for money that is not owed to them by me. 
Since I can not resolve this by contacting them, I have decided to try this avenue.
Consumer complaint received 2015-04-27
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: SYNCHRONY FINANCIAL (HI)

I spoke with XXXX people at XXXX XXXX. The XXXX was a man who was very threatening and said my husband would go to jail, etc if I did not pay back his debt that we did not know about. The XXXX was an aggressive woman who actually called me a XXXX after she threatened me. I was legitimately very scared after they threatened my husband and myself. We do not even know what this debt is for and when I asked the man he said he did n't know. Now my husband 's credit report was hit with a civil judgement.
Consumer complaint received 2016-07-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: ERC (FL)

XXXX have a bill thats is 12 years old now ERC COLLITION AGENTS THEY REPORT IT AS A NEW BILL I HAVE THEM REMOVED THREE TIMES AFTER A COUPLE OF MONTHS THEY REPORT IT AS NEW AGAIN THE TIME HAS RAN OUT ON THIS WHY DO THEY DO THIS
Consumer complaint received 2017-11-02
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (MD)

In XXXX I received a notice informing me of a possible error concerning my enrollment in an " optional debt protection program offered by Department Stores Nation Bank '' concerning my account ending in XXXX along with reference number XXXX I DO NOT HAVE ANY CREDIT CARDS OPEN AT THIS TIME I called citi bank. The representative checked my name and social & informed me there were no citi bank cards open under that name & ID number. A flag was placed on my name with citi bank. She then informed me that Department Stores National Bank could be ANY VARIETY OF STORE CREDIT CARDS. 

The only help she could offer was for me to individually call all the possible stores & file complaints. There is not even a list of what possible store cards this could be. 

I DID NOT OPEN ANY CARD. PLEASE CLOSE THIS ACCOUNT AND FLAG MY CREDIT WITH A FREEZE. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am responding to the request from TransUnion to re-submit the complaint I sent through CFPB. The assigned case number is XXXX. Below was their response. 

After reviewing your complaint, our records show the information you disputed does not currently appear on your TransUnion credit report. The current mailing address you provided is not listed in our records. In order for TransUnion to process your request and to protect the private information in your credit report, please re-submit your complaint along with verification of your current address. Acceptable forms include copies of two of the following qualifying documents : current drivers license, State ID Card, Utility Bills, Bank or Credit Union Statement, letter from the Social Security administration, cancelled check, pay stub, stamped post office box receipt, bank or credit union statement. When providing proof the documents can not be older than two months. Under the guidelines of the Fair Credit Reporting Act, in order to assist you, please contact us : By phone : XXXX. Monday-Friday, XXXX XXXX  XXXX XXXX ET, by mail : XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, PA XXXX Please visit XXXX XXXX XXXX for frequently asked questions about your credit report. 

I have already mailed them the copy of my current drivers license and the bank statements over the last two months. I am re-submitting the complaint through CFPB as well.
Consumer complaint received 2018-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

I live in a federally declared disaster zone from Hurricane Irma. ( XX/XX/2017 ) My mortgage company offered me a 90 day forbearance on my loan, which I accepted. However, after day 34, they reported to all credit bureaus as a missed payment. I called and complained, and they told me that they were fixing it. To ensure no more issues, I told them I will be making all payments as usual and I did. They still reported to all three bureaus the following : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX reported as NO INFO, XX/XX/XXXXwas reported as 30 -- 59 days late. Obviously this affected my credit score.

I called again to complain and was told it would be fixed by XX/XX/XXXX reporting. It didn't. get fixed. I would like to have full reporting as payment made on time for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and to remove that 30-59 day mark asap.
Consumer complaint received 2017-12-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

This company is reporting a debt on my XXXX credit report that is not mine. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Va XXXX ( XXXX ) XXXX. I have made a written request to this company three times asking for a copy of a signed application and information pertaining to the good and services that have potentially been rendered or received for this alleged. To this date, i have not received any additional information to verify this debt belongs to me. This incorrect information is impeding progress on my ability to obtain financing for a home loan and i would like it to be removed.
Consumer complaint received 2017-12-26
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (NY)

Went to online school for one semester in the year 2006. 
I put in a loan application for 2semesters but only completed one. They gave me no notice as to what to do but still charging me for the entire 2semesters from 2006.  To today they say i owe them XXXX dollars unacceptable. Help me.
Consumer complaint received 2018-04-09
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: Experian Information Solutions Inc. (MD)

There was an unauthorized hard inquiry made by XXXX/XXXX XXXX XXXX XXXX onXX/XX/XXXX.

There was also an unauthorized soft inquiry made by XXXX XXXX XXXX XXXX on XX/XX/XXXX.
Consumer complaint received 2018-04-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (UNITED STATES MINOR OUTLYING ISLANDS)

they keep adding 30 day lates to my mortgage pay history they say that no matter how many days the payment is late they can mark it 30 days late if it is not made by the next due date. in XX/XX/XXXX of 18 they have marked my credit 30 days late and it was 28 days late thus adding derogatory information to my credit report that is in accurate. this is not fair credit reporting and they need their practices investigated