davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (AZ)

I wired $XXXX USD to my Coinbase account.  Coinbase did not post the money and says they returned it.  It was never returned.  I have spoken with my bank at length and they have completed their investigation.  They say Coinbase took my money and never sent it back.  I have written to Coinbase 8 times, they only send automated responses.

-The full name on the account the wire was sent from:   (private)
-The amount of the wire:  $XXXX -The date the wire was sent:  XX/XX/XXXX
-The federal reference # or IMAD # for the wire:   XXXX

This is the original email from Coinbase:

From: Coinbase [mailto:no-XXXX]
Sent: Tuesday, XX/XX/XXXX XXXX XXXX To: XXXX XXXX
Subject: Wire reversed


[Coinbase]





Hi XXXX,

You recently sent a wire to fund your Coinbase or XXXX account for $XXXX USD. Unfortunately, we are not able to apply this wire to your account due to a name mismatch and will be returning this wire back to your bank. Please allow us 7 business days for processing.

To prevent wire returns in the future, please ensure wire deposits are sent from a bank account that matches the legal name of your Coinbase or XXXX account. For more information, visit the Bank Wire Deposit section of our payment support page.

If haven't received your funds after 7 business days, please email XXXX for assistance.

Respectfully,

The Coinbase Team
Consumer complaint received 2018-01-11
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I made phone calls in XXXX and XXXX and sent a letter in XXXX XXXX because I could not get an answer to my Kohl 's charge card closure. 
XXXX XXXX XXXX, XXXX Capital One Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX Kohls XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX To Whom it May Concern : My name is XXXX and I am writing about the closure of my Kohls account. I have been trying to get an answer about the closure since XXXX XXXX. I have called Kohls and Capital One and I keep getting sent back and forth between both companies. I have talked to managers at both companies and no one can give me information about the closure. 
My Kohls account number is : The ironic thing about this issue, is that I received a pre-qualified credit card offer in the mail this week. I have to laugh about this because you ( Capital One ) closed my account. How can I get pre-qualified by the same company that closed my account? 
I would like to find out the exact reason for the closure. Please have someone contact me regarding this issue, so that I dont keep getting the run around about information that should be provided to me. 
Enclosed is a picture of the pre-qualified letter I received. 

Thank you for your time,
Consumer complaint received 2018-01-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK (MI)

I believe that Discover is raising my interest rate because I am making extra payments. I believe they are penalizing me for making extra payments. The letter I received from them stated, " the Monthly Payment Amount has been recalculated to ensure your loan is paid in full at the end of its scheduled repayment period. '' They have a set period of time that they want me to pay the loan and they have a set amount of interest that they expect to receive, so when I pay extra they raise the interest rate to accommodate the change in order to get the desired interest rate at the end of the scheduled repayment period. When I did not make any extra payments, my interest rate never increased. I am trying to pay the loan off early, but I can not when they keep raising the interest rate. They are preventing me from paying the loan off early.
Consumer complaint received 2018-04-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Card Receivables Fund Incorporated (VI)

I do not have any relationship with Unifund and do not want one.

This organization, perhaps some type of collections company has shown up in my credit history file about 2 years ago under a different name.

This debt collection was removed once before however it has appeared and it should not. I fought this hard with their reps, the three credit reporting agencies and with the CFPB.

Assistance from the CFPB to remove this debt and annoying recurrence of the illegitimate attempts of Unifund. They should not be able to show up every so often and attack the credit histories of individuals without notice.
Consumer complaint received 2018-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NCB Management Services Inc. (MI)

I filed a bankruptcy chapter XXXX that was discharged onXX/XX/XXXX. I checked my credit report and all was fine except NCB Management a debt collector for 12 XXXX XXXX XXXX XXXX. Has my account as bankrupt however they still have it listed as open. I called before the discharge and asked the gentlemen why it was still listed as open, he advised me that he would correct it immediately. I filed a complaint with XXXX  and XXXX  so far I haven't heard back from them, however I decided to call NCB again and the collection agent advised me that they did have it as bankrupt however they by law code 93 of the fair credit reporting law had to keep it open. According to my credit report they last reported this account open on XX/XX/XXXX. I realize that if the account is closed and has been closed for almost two years it should say closed having it a bankrupt is not enough. NCB Management Services XXXX XXXX XXXX XXXX  PA XXXX their phone number is XXXX The account number is XXXX
Consumer complaint received 2018-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

This is in reference to my original complaint regarding our Capital One credit card that was closed in error by Capital One. Please refer to our original complaint cfpb XXXX dated XX/XX/XXXX. 

We first contacted Capital One about their error on XX/XX/XXXX. On XX/XX/XXXX, we received a letter requesting a street address for my wife. We contacted Capital One on XX/XX/XXXX, and provided the street address. On XX/XX/XXXX, Captial One provided two new credit cards as promised with a XX/XX/XXXX expiration date. On XX/XX/XXXX, we were notified that our credit card account had been closed because we did n't provide the information that was requested ( we did by phone on XX/XX/XXXX ). 

After dealing with an estimated 19 to 25 representatives from XX/XX/XXXX, to XX/XX/XXXX, nothing has been accomplished with one exception. We got a call from XXXX ( employee #  XXXX ) at Capital One 's corporate office on XX/XX/XXXX, and he acknowledged to us on the phone that Capital One had made an error which was responsible for the cancelling of our account. I asked XXXX for a letter from Capital One to confirm that their error was responsible for the cancellation of our credit card account ( open since XX/XX/XXXX ). On XX/XX/XXXX, XXXX said he would see if a letter could be sent to us acknowledging their mistake. He also said we could reapply for an account. We said we did n't want to reapply for an account, just have the old account reopened. XXXX said that they do n't send out letters regarding mistakes until the account has been reopened. It we reapply for the account, and for whatever reason the account is not reopened, they do n't send out a letter acknowledging their mistake. It 's now been 3 weeks since we last heard from XXXX at the Capital One Executive Offices. 

In a nutshell, we 're done. We will not conduct business with an organization that has sloppy record keeping, poorly trained customer service reps, dishonest customer service reps, offer unprofessional treatment to long term customers and have absolutely no sense of urgency. Fortunately, we have other long term credit card accounts and we will remain faithful to those companies. As for Capital One, we 're done playing this endless, fruitless game of nonsense. We are no longer interested in doing business with this unprofessional banking organization. 

I would suggest that people who are thinking about doing business with Capital One, think twice. We 'll never go back!
Consumer complaint received 2018-01-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (TX)

Coinbase Bitcoin Exchange Case # XXXX XX/XX/2017 I can not withdraw a XXXX of dollars worth of Bitcoin virtual currency because I no longer own one of two email addresses required in order for me to authorize the withdrawal via email. I submitted my initial request for assistance from Coinbase in XXXX and although I 've been told that there is a solution, three months later I have n't seen any progress whatsoever and have n't received a single reply to my requests for updates in over a month. 

BTC Vault XXXX BTC
Consumer complaint received 2018-08-06
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. (IL)

I have been a victim of identity theft. Equifax did not investigate. I spoke to the company the company said they notified all 3 companines to delete the account, from XXXX XXXX XXXX XXXX XXXX and XXXX immediatly updated and removed the information at the request of the collecition company. Equifax claimed that the company veified the account. I spoke with the company again and the rep verified once again they put in a notice to Equifax to delete the file equifax deleted the file and reinserted it 3 days later with no proofs and no prior notification. and aginst the companies request to deletion
Consumer complaint received 2018-01-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CO)

Coinbase is a digital currency exchange. They promised all customers that held any amount of bitcoin on their exchange on XX/XX/XXXX that they would be credited with the same amount of bitcoin cash by XX/XX/XXXX. Customers had a choice of storing their bitcoin in a " digital wallet '' or in Coinbase 's secure " multi-sig vault. '' Coinbase pushed customers to store their funds in the " multi-sig vault, '' as the vault was advertised as extremely safe. 

I had 1.9+ bitcoin 's stored in Coinbase 's multi-sig vault on XX/XX/XXXX. On XX/XX/XXXX, Coinbase added bitcoin cash to their exchange and credited all customers who stored their bitcoin in a digital wallet on coinbase 's exchange on XX/XX/XXXX. However, they did not credit any customer who stored their bitcoin in coinbase 's multi-sig vault. On XX/XX/XXXX, coinbase emailed me stating that they have credited everyone, accept people who stored their bitcoin cash in the multi-sig vault. They stated that they are having technical issues and their engineer team is working on the issues. They provided no timetable as to when I will receive my bitcoin cash. 

I have emailed Coinbase 4 times ( without receiving a response ) and I 've spoken to customer service reps/managers at least 5 times since XX/XX/XXXX. Nobody can provide me an answer as to when I will have my money and they just state that the issue is being worked on. 

On XX/XX/XXXX and XX/XX/XXXX, bitcoin cash was worth between {$3500.00} and {$5000.00} a coin. Today, bitcoin cash is worth {$2600.00} a coin. Coinbase created an unfair market and allowed customers to sell their bitcoin cash on XX/XX/XXXX and XX/XX/XXXX for {$3500.00} to {$5000.00}, whereas, I was not provided this opportunity. Coinbase has essentially stolen my bitcoin cash and my ability to make money trading other digital currencies. I was planning on selling my coins as soon as I had access to them. If I would have been credited with my bitcoin cash on XX/XX/XXXX, just like the majority of customers, I would have sold at {$5000.00} a coin, for a total of {$9500.00}. If I was credited with my bitcoin cash today, and sold, I would receive {$4900.00}. Coinbase has cost me at least {$4600.00}, due to their unethical business practices. 

Coinbase has not provided any additional information in 23 days, and they will not release my money to me. Before coinbase added Bitcoin cash and credited customers storing their bitcoin cash in a digital wallet on coinbase, they knew they would not be able to credit customers who stored their bitcoin cash in the multi-sig vault. Yet, Coinbase made the unethical decision to add the digital currency to the exchange and to credit some customers. This is an unfair business practice and very shady.
Consumer complaint received 2017-09-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (OH)

I am in the income based repayment plan. Every spring after completing my tax return, I re-submit my annual IRB paperwork. This spring the website to submit the information through was down for weeks to months. So I printed the paperwork and mailed it to FedLoans, my servicer. They incorrectly inputed my family size as XXXX  instead of XXXX. As a result, they said I owed $ XXXX/mo when in fact I owed $ XXXX/mo. I called several times and had them do a re-calculation. ( Which it seems like most years I have to do. ) But this year, although I was assured it would be completed in 7-10 business days, way before my first due date of XX/XX/XXXX, it was not. In fact, ultimately I requested an expedited recalculation and an even more urgent recalculation. Finally in XX/XX/XXXXthey got the amount right.
However, I was already set up for direct debit. I thought this would be a smart way to ensure that I was never late with a payment since the penalties are so harsh if you are. So in XX/XX/XXXXthey pulled {$750.00} from my checking account that they were not entitled to. When I called, they said it was too late to stop the payment. I cancelled direct debit at that time. In XX/XX/XXXX, I paid them what I knew I owed them even though officially they still billed me {$750.00}. In XX/XX/XXXX, they finally billed me for the correct amount. I sent in my payment of {$520.00}. 3 days later, they pulled a second payment of {$520.00} even though my direct debit was cancelled and I deleted my account info from the website. I called and spent 48 min on the phone today trying to get them to apply the second payment to my XX/XX/XXXX bill. However, since I am in the student loan forgiveness program, they can not. They directed me to go to my financial institution to dispute the direct debit. So in the last 2 months, they have pulled {$750.00} out of my checking account that they are not entitled to. {$230.00} they have told me I will never get back. I can dispute the most recent ( second ) payment of {$520.00}, but who pays the fee to the bank to stop payment. And how do I know that they wo n't pull money out again next month. They told me that they wo n't now, but I 've heard that before. Please keep these incompetent people under control. How can they be allowed to function like this???
Consumer complaint received 2018-01-10
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (AZ)

XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) Final Payoff of HELOC Account Number XXXX To Whom This May Concern : I am reaching out to the CFPB since I recently paid off our Home Equity Line of Credit ( HELOC ) with the life insurance payment from my husbands XXXX. 
Much to my surprise, Wells Fargo also charged me the accrued interest of {$520.00} ( 28-days ), and required I pay this monthly interest, which was included in the final HELOC payment. Additionally, an automatic, system-generated payment of {$510.00} was deducted from my checking account. Essentially two interest payments were made, totaling {$1000.00}. 
The final payoff balance and interest information was obtained from XXXX at the Wells Fargo HELOC Customer Care Line XXXX. 
Reference Number : XXXX Date Amount Explanation XX/XX/XXXX {$160000.00} HELOC Principal Balance Appearing Online XX/XX/XXXX {$18.00} Interest Accrued Daily XX/XX/XXXX {$10.00} Recording Fee XX/XX/XXXX {$520.00} Interest Payment ( 28-days ) charged ; included in the final payoff figure XX/XX/XXXX {$160000.00} Final Payoff Balance obtained via Wells Fargo HELOC Customer Care Line XXXX XX/XX/XXXX {$510.00} Automatic, system-generated payment deducted from checking account I made the final HELOC payment of {$160000.00} on XX/XX/XXXX. Not only was an interest payment of {$520.00} included in the final HELOC payoff figure, an automatic, system generated payment of {$510.00} was deducted from my checking account four days before on XX/XX/XXXX. 
I am requesting a refund of {$1000.00} which is comprised of : {$520.00}. XXXX interest payment ; included in the final HELOC payoff figure {$510.00}, automatically deducted payment from checking account. 
I understand there is a {$10.00} recording fee, and I am fine with paying the recording fee, however this additional {$520.00}. XXXX interest payment, and the automatic deduction of {$510.00} totaling {$1000.00} should be reimbursed to me. If a car loan is paid off, the principal balance is paid in full ; a monthly car loan payment is not required in addition to paying off the loan. 
We have been loyal customers of Wells Fargo, and have done all our banking with them since XX/XX/XXXX. I should not have to pay a monthly interest payment when I am paying off our HELOC, especially due to the extenuating circumstances of my husbands XXXX. These interest payments should be reimbursed to me. 
What is the CFPBs stance on this situation? Is Wells Fargo justified to charge a monthly interest payment when a substantial loan is being paid off in full? There is not supposed to be any pre-payment-penalty. Enforcing payment of the monthly interest, is as if I am being penalized for paying off the HELOC.
Consumer complaint received 2018-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I have correct information regarding student loans onnmy accounts. However i have incorrect information showing accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, it shows credit cards that arent mine as well with negative balances, it shows diferent creditors for years and has affected my credit score when the only thing i had done was student loans. They refuse to eliminate my incorrect negative accounts all 3 credit bureaus for last 10 years. I wish i would had known about this website. XXXX bless
Consumer complaint received 2018-01-11
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. (MO)

I Have wrote this company a letter after looking at my credit report with fraud information they have failed to remove these fraud account or even investigate my dispute with proper documentation. I have sent them a notary from the federal trade commission. They failed to even investigate this manner
Consumer complaint received 2018-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have multiple times have set up a dispute for items on my credit report with XXXX and Transunion regarding fraud accounts and many inquiries on my cresit report. I have been a victim of identity theft since 2006. Recently I also learned my information was part of the Equifax breach. The following accounts need to be removed from my account and have not although I have provided a police transcribed report. 1. XXXX XXXX  {$2800.00}. 2. XXXX XXXX old account fir {$360.00} 3. On XXXX  & Transunion XXXX XXXX XXXX for {$2800.00} 4.  XXXX XXXX for {$520.00} there is also is XXXX inquiries that should be removed. My police report states XXXX XXXX as well as XXXX since the report only had these 2 items. Ever since the breach now the other 2 have appeared. Thet jave not pit the items in dispute nor does it state and its hard to get through tk them. I have requested multiple times to nlock these items from my report as XXXX has fixed the situation and removed the items in 24hrs with them having my police report.
Consumer complaint received 2018-01-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rent Recovery Solutions (TX)

This debt is in the amount of {$150.00} and the original creditor name is " Rent Recovery Solutions ''. The date assigned is XX/XX/XXXX. This alleged debt is in regards to the apartment complex " XXXX XXXX '' located in XXXX, TX. They have since changed their name to " XXXX XXXX XXXX  XXXX '', no doubt due to several complaints about this facility and the incompetent way they handle their business. I had rented an apartment from this complex in the fall of XX/XX/XXXX. This complex boasts that they include pre-furnished rooms in all their apartments, which includes a desk, dresser, and bed. Within one week of moving into my room, my whole body was infested with bed bug bites as the bed was infested with bed bugs that were never fumigated. Needless to say, I moved out of there as soon as possible, and the apartment head manager XXXX had agreed to refund all of my deposits and my first month of paid rent. Not only did I never receive my refund, I received a call a few years later claiming that I had an unsettled " moving out cost '' with them. I had explained my situation to the representative and thought the situation would be taken care of. Fast forward to now in XX/XX/XXXX as I 'm checking my credit report, and the dispute is still on my report. I would like this erroneous charge to be removed from my credit report as it is not only grossly incorrect, but it is negatively impacting my credit score.