davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Card was charged for something you did not purchase with the card
Company: Bridgecrest Acceptance Corporation (IA)

In XXXX I received a charge from XXXX XXXX on my XXXX XXXX credit card. I do now have an account with XXXX XXXX or their finance company BridgeCrest. I called numerous times and was not able to get anywhere until I made a complaint with the CFPB. I was contacted by XXXX ( no last name ever provided ) and was asked to send a copy of my credit card bill and a police report. 

They opened a log XXXX. XXXX called me back saying they 've completed their investigation and refused to provide me the resolution. She will not provide me an answer to 1. How did this happen ( phone, online etc ), 2. What kind of transaction this was, and 3. How will they prevent it from happening in the future. 

I have already contacted XXXX XXXX and the charge has been reversed but XXXX XXXXBridge Crest has refused to provide a resolution on their end.
Consumer complaint received 2017-11-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. (KS)

On XXXX XXXX 2017, I sent a wire to coinbase for {$12000.00} Usd. It has been 2 months, and I still do not see the money in my coinbase account, nor has it reversed to my bank. I have sent several help inquiries on their website and have never received a reply. Please may I have the money sent back to my bank or put in my coinbase account. It has been floating for 2 months.
Consumer complaint received 2017-12-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

Hello, my name is XXXX XXXX I live in XXXX and today I find the courage to contact you to help me with a financial problem I encounter with Coinbase ( www.coinbase.com ). For months I 've been using my credit card and using some of the services the company offers without the slightest problem. On XXXX I sent a bank wire transfer to certify my bank account as it was. The problem I faced for the first time is when I asked the company to send me a wire transfer from my Coinbase account to my bank account at XXXX. The amount was XXXX on XXXX XXXX, XXXX. As isknown, XXXX bank transfers do not take more than three days to complete unfortunate but in my case still the amount I asked not only did not pass into my my bank account but obviously they have not even tried to send that money! I have tried to make a phone call with them but unfortunately I could not wait as I was waiting for more than three hours, I also sent email but still did not answer me until today when I sent this request. That 's why I asked for your help! I have attached my ID, my bank account information as well as pictures from the Coinbase system where they show the process I have executed with the exact amount of my details and the bank account! If you need more information please contact with me, me email is XXXXXXXXXXXX and my phone number is XXXX or XXXX Best regards XXXX XXXX
Consumer complaint received 2018-04-07
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Ditech Financial LLC (AZ)

I lived in my home for 16 years. I got a divorce and the court ordered the home to be sold and the equity to be split. We had about 300K in equity we only owed XXXX on the home. My ex wife camped out in the house ( I was living in my car waiting for her to sell the house because she got a restraining order against me ) She stayed in the house for over a year and never made a single payment on the house. The bank finally foreclosed on the house. I was in constant contact with the bank and even offered to pay the balance off as soon as they can get her out. Well that ruined my credit like she wanted. I have always prided myself on my good credit and have taught my children the importance of good credit. Now that I have somewhat fixed my credit the derogatory from the bank is keeping me from moving on and getting a new home. I would ask the bank to please look back at all the notes to see that this was not my fault and please show some compassion and remove it from my credit so I can move on. It is scheduled to stay on my report till XX/XX/2022.
Consumer complaint received 2018-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NJ)

I applied for a Chase XXXX XXXX XXXX card online around early XX/XX/XXXX this year. The Chase Bank 's screen stated regarding the annual fee {$0.00} intro annual fee the first year, after that {$95.00}. This is universal for all airline credit cards in the U.S. 
I got my card in the mail on XX/XX/XXXX, and I started using it almost immediately. When I checked my credit card account on line on XX/XX/XXXX, I found the bank charged me {$95.00} on XX/XX/XXXX. I called the XXXX number, spoke with the representative, and was informed that I agreed to the charge on my online application. 
I then went to the local branch office the next day, and was informed by the branch manager there that had I applied thru the branch office, I would not have been charged any annual fee, let alone {$95.00}. Since I applied online, the branch could not help me. 
I am completely horrified by the revelation and the deceptive advertisement done by a big national bank, such as Chase. 
I have 2 questions now for any Chase lawyer to answer for me : 1. How could Chase advertise online for a {$0.00} intro annual fee the first year ( see attachment ), and then charge {$95.00}, citing fine print? 
2. Why are application for credit cards thru bank branches and online so different? Shall we not trust Chase online anymore? It feels like a scam. As a concerned citizen, I want an answer. 
I insist that Chase card cancel the first year annual fee immediately. 
XXXX XXXX
Consumer complaint received 2018-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (VA)

I recently reviewed my credit report XX/XX/2018 and found XXXX XXXX is reporting inaccurate information on my credit reports with all 3 of the major credit bureaus Equifax, XXXX XXXX and XXXX. Not only are they reporting serious erroneous information, they also do not report an address they can be reached on my credit report so I can inform them of these serious errors by certified mail. This is a clear violation of the FCRA and shows a serious error in their reporting practices. Attached, is a copy of my credit report where they have left no address to be reached at. This erroneous derogatory remarks is making it extremely difficult for my family to access the credit that we need and is causing us an unnecessary hardship.
Consumer complaint received 2017-11-02
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. (TN)

Transunion is not accurately reporting my on time payments for the months of XXXX, and XXXX For my XXXX ACCOUNT. All my payments have been on time and should be reported accurately.
Consumer complaint received 2018-04-08
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: Experian Information Solutions Inc. (TX)

On XX/XX/2018, after viewing my credit reports, I contacted all 3 credit bureaus to inform them there was fraudulent activity on my credit report ( addresses and inquiries ). I mailed and faxed copies of my ID, social security card, FTC Affidavit and a letter asking them to remove the fraudulent information. I clearly stated that I was a victim of identity theft. 

On XX/XX/2018, XXXX XXXX XXXX XXXX reported a collection account to my credit matching one of the addresses previously reported on the FTC Affidavit. 

I contacted each bureau to inform them of the fraudulent account and sent an updated copy of the FTC Affidavit including the account with XXXX XXXX XXXX XXXX. 

As of XX/XX/2018, XXXX XXXX XXXX XXXX reports as a valid collection. It does not show it being in dispute nor was it blocked pursuant to 15 U.S. Code 1681c-2. 

So far, the credit bureaus have violated the following : 1. 15 U.S. Code 1681c1 ( A ) and ( B ) and, 2. 15 U.S. Code 1681c-2
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions
Consumer complaint received 2018-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

This is concerning my credit card I have with HSBC. On mystatement dated XX/XX/2017, a payment in the amount of {$2900.00} was due on XX/XX/2017. I made a payment for {$2800.00} on XX/XX/2017. I missed one item that was charged later and did not have a statement. Since my full payment was not received by the payment due date reflected on my billing statement, an interest charge of {$48.00} was assessed on my account. I requested a refund or reduction, because the amount charged for a simple mistake is inappropriate.
Consumer complaint received 2024-10-16
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc (MD)

This company has violated my consumer rights and continue to attempt to collect on a debt by reporting it to my consumer credit report, when I do not owe any debt to this company or the original creditor and the statue of limitation is past three years to collect on this debt. Regardless if they are a third party, the same statue of limitation applies. The clock does not restart when the debt is transfer or sold to another collection agency. These are the following consumer laws I know they are violating for sure : Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ), not been given a chance to dispute an account according to 12 CFR 1006.34 ( c ) ( 4 ) ( I ).

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing ANY and ALL disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) I attached a copy of the full complaint letter as well.
Consumer complaint received 2016-08-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (TX)

I contacted the Omnbudmans Office over a year ago about a problem I have experienced concerning my loan. I did everything your office told me to do over a year ago and am still having problems. I resubmitted the paperwork and made the corrections as instructed and they still tell me I am missing dates or paperwork. I told the Sallie Mae Rep- resentative my paperwork had been reviewed by your office and was told to resubmit it by the individual in your office with some minor corrections to the addresses of the schools street address. I do n't know what the problem is. I do n't remember the person I spoke with by name because she told me I should not have any more problems. That was over a year ago and I still am receive harassing calls from them. I have explained scenario them several times and it seems to not do any good. I am a XXXX and have been for the last fifteen years and was seeking Loan Forgiveness under the Title I program. They tell me I have gaps in my years or something is wrong with the way I filled something out or they are missing a form. After I spoke with someone in your office I followed process to the letter of what I was supposed to do. Still having issues with XXXX /Sallie Mae . Could you investigate this matter again for me Any information you need me to provide I will be happy to do. Maybe my last request for assistance may still be in the files in your office.
Consumer complaint received 2017-01-24
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MI)

I have done everything possible besides file a lawsuit- My case with Navient screams of class-Action- I have meticulous records of every phone call ( recorded ) every letter, every dispute filed with XXXX, XXXX and XXXX- My insurances have increased over $ XXXX monthly directly due to Navients willfully neglected investigating and reporting. In 30 years the only negative information on my credit reports is the inaccurate information Navient continues to report. 
Summary : from XX/XX/XXXX-XX/XX/XXXX I co-signed student loans for my daughter XXXX XXXX, after she restructured her loans under one payment to be split between all her loans ( i believe XXXX of them ) Navient misappropriated the payments and never applied a portion to XXXX loan account, as a result that account went into charge off, After years of complaints I finally filed a complaints with the CFPB. First on XX/XX/XXXX Case # XXXX and again on XX/XX/XXXX case # XXXX. However, I just applied for an auto loan and was denied due to " recent serious delinquencies '' I pulled my XXXX and XXXX credit reports to see Navient again inaccurately reporting me 150 late XX/XX/XXXX. ( see attachment ) Insanely, this is after Navient claims to have investigated and ADMITTED their errors and promised to correct my credit reports. Numerous times Navient claimed to correct my credit reports, each time I fount the corrections incomplete. I have given Navient more than a reasonable time and many many more opportunities to correct their admitted mistakes. I am not a wealthy person, I immigrated to the United states XX/XX/XXXX from XXXX. My father was a XXXX politician and very wealthy, I left all that wealth to come to the USA with nothing but a promise for labor work as my father cut me out of his will for leaving. I have been working as a XXXX since. I have contacted an attorney XXXX XXXX of XXXX law group. He is willing to take my case but currently in the middle of several other class-actions and informed me his schedule wouldnt allow him to take my case until XX/XX/XXXX. I hear he is the best there is. I have not yet retained him and truthfully i was preferring to avoid litigation. However, Navient seems to have left me no other choice.
Consumer complaint received 2016-03-12
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TENET HEALTHCARE CORPORATION (SC)

I contacted this company on numerous occasions asking them to validate the debts to which they have reported on my credit profile. However, I never received a response form the company. I went online and disputed the same accounts through the credit bureau to which they replied the accounts were mine. I will ask one last time for a debt validation on these fraud accounts. I am asking for a copy of the contract which contractually binds me to these debts. The accounts are XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX, and XXXX. I will not hesitate to contact a consumer attorney if these accounts are not deleted. I have been denied credit on three occasions because of their unethical tactics to get me to pay a debt I do n't owe. I know that my rights have been violated. Please govern yourselves accordingly.
Consumer complaint received 2017-12-25
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (CA)

It is our belief XXXX XXXX & XXXX XXXX XXXX XXXX. are fronts for Nationstar Mortgage. CFPB has recorded over 10 complaints in this last year against this firm. We made a complaint several weeks ago regarding XXXX 's mistake of not crediting our Tax & Insurance set aside with {$2400.00} within 10 days of the date of the attached letter XX/XX/XXXX or by XX/XX/XXXX. By XX/XX/XXXX we received a NOTICE of PROPERTY CHARGE  DELINQUENCY as attached, as Champion now does not apply the mistaken {$2400.00}. to our Tax & Ins. set aside but makes demand for $ {$2700.00}. and claims if the funds are " not paid in full byXX/XX/XXXX or your loan may be declared DUE & PAYABLE. IF YOUR LOAN IS DECLARED DUE AND PAYABLE BY HUD IT COULD RESULT IN A FORECLOSURE ON YOUR HOME. '' Under duress on XX/XX/XXXX WE BOUGHT A CASHIER 'S CHECK MADE OUT TO XXXX XXXX XXXX XXXX for {$2700.00}. AND MAILED IT THE SAME DAY. See USPS tracking notice attached to this letter OTHER THAN THE TRACKING NOTICE XXXX has not recognized the receipt of this cashiers check. 
These funds of {$2700.00}. plus the {$2400.00}. must to sent back to sender for a total of {$5100.00} forth with or XXXX AGAIN will be in breach of our contract. We understandably do not want XXXX to be in charge of any funds in our Tax & Ins. set aside. We will continue to pay out taxes and insurance ourselves. We received notice from XXXX County that because our loss was over {$500000.00} because of the Atlas Peak Fire most of our Tax paid by XXXX on XX/XX/XXXX would be returned to XXXX with a few months after the new year. We expect XXXX to credit us with those funds as they receive them and stop threatening us with DEFAULT AND HUD FORECLOSURE
Consumer complaint received 2017-12-25
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC (VA)

We departed our home on XX/XX/XXXX for a 28 day vacation across the country. When we left, we confirmed that our mortgage payment of XXXX was automatically set-up through bill pay to get to LoanDepot on XX/XX/XXXX. When we returned on XX/XX/XXXX and collected our mail from the US POST OFFICE, we discovered a letter from LoanDepot dated XX/XX/XXXX informing us that the XXXX ( we always pay extra to reduce the principle ) dollar payment we made on XX/XX/XXXX was insufficient funds for the new mortgage payment of XXXX. Attached to this LoanDepot XX/XX/XXXX letter was a check for XXXX dated XX/XX/XXXX, which was a refund of our XX/XX/XXXX mortgage payment based on what we knew when we departed for vacation on XX/XX/XXXX. They then charged us an XXXX late fee on XX/XX/XXXX and sent in a late fee payment notice to my credit report. When we discovered what LoanDepot had done on XX/XX/XXXX we immediately mailed in a check for XXXX for the XX/XX/XXXX payment and corrected the bill pay mortgage payment to XXXX for our XX/XX/XXXX and subsequent mortgage payments. LoanDepot received the XX/XX/XXXX bill pay mortgage payment and applied that to the XXXX mortgage payment and told us as of XX/XX/XXXX they had not received the XX/XX/XXXX mortgage payment or late fee. We then sent a second bill pay mortgage payment of XXXX to cover the XX/XX/XXXX payment to include the late fee. They received both the bill pay mortgage payment and the mortgage payment check on XX/XX/XXXX and applied these funds to our XX/XX/XXXX and XX/XX/XXXX mortgage payments. Our issue with LoanDepot is they never sent us any correspondence via e-mail ( which we were checking daily and they have on-file ) but relied only on USPS mail which we did n't have any ability to have access to until we returned from our trip on XX/XX/XXXX. We feel we should n't have to pay the LoanDepot late fee and LoanDepot should retract the late payment statement from my credit report. LoanDepot did n't do enough to make us aware of the increased mortgage payment for XX/XX/XXXX while we were physically not at our residence. If they had contacted by both via USPS and e-mail, our payments would have been on-time and in the correct amount.
Consumer complaint received 2017-02-02
Product: Bank account or service — Savings account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

A woman named used my debit card without authorization and drained my bank account. She also got into my savings account and drained it as well. I complained to Bank of America. However, they said because she had gotten my PIN number that the transactions were valid. SHE DID NOT HAVE MY PERMISSION NOR WAS THE CARD IN MY POSSESSION, and there is a taped phone recording that backs me up. I have filed a police report naming the ID thief. Bank of America also charged me fees for going over the amount of allowed withdrawals on my savings account it was not me who made or authorized the withdrawals. They sent me a letter dated XXXX XXXX informing that they were seizing all my money and leaving me penniless. There are XXXX claims, XXXX for the checking account and XXXX for the savings account.