davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (WA)

I have federal stafford loans from undergraduate and graduate degrees between XXXX, I have been repaying these loans continuously since that time. I recently started law school XXXX XXXX XXXX XXXX and FedLoan recently put my loans in deferment without first contacting me. The deferment prevented my autopayment from being applied and my loan balance ( and therefore interest ) increased. I have called XXXX times in order to have the loans put back into repayment, and still have no guarantee that it will remain that way. 

First, I spoke with XXXX XXXX XXXX # XXXX ) on XXXX/XXXX/XXXX at XXXX XXXX. She said that I would need to mail in a paper form in order to waive the deferment, she said that it could take several weeks for that paper form to be mailed to me and that there was no other way to put the loans back into repayment. The form did n't come and I called again. Second, I spoke with XXXX XXXX XXXX # XXXX ) on XXXX/XXXX/XXXX at XXXX XXXX. She said that she could process the deferment waiver over the phone and did so then and there. After working with her, my loans were placed back in repayment and my regular autopayment was scheduled. 

Yesterday ( XXXX/XXXX/XXXX ) I received an email stating that my loans were placed back in deferment, I called again and spoke with XXXX ( XXXX # XXXX ) on XXXX/XXXX/XXXX at XXXX PT. She said that the computer system will automatically reset the account to deferment, per XXXX XXXX XXXX rules, and that she could put it into repayment, but that it might be changed back again. I told her that this was unacceptable and a waste of my time to be calling, waiting on hold, and asking my account to be continually switched back into repayment. She said that it was the way the computers were set up and that there was nothing to be done about this. 

This is an unacceptable answer. XXXX charges me thousands of dollars every year for the pleasure of servicing my loans, and the least they can do is follow the law and do what borrowers ask them to do the first time. If their computer systems are set up improperly, they are responsible for fixing them. This is the last time I will be calling. If I continue to have further issues with my loans being placed in deferment, and autopayments being missed, I will not hesitate to refinance my loans with another servicer.
Consumer complaint received 2017-11-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One is charging interest to accounts after a balance has been paid in full. When I tried to rectify this with Capital One they said that is their policy and that customers need to call in before paying off a balance. Nowhere on their website or statement does it inform customers that they need to call in before paying off a balance. In addition they state that your account has to have an offer before any interest can be waived which customers are also not informed of.
Consumer complaint received 2017-09-15
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Premier Portfolio Group (NE)

They call my cell phone, my house phone, and my wife 's cell phone repeatedly about XXXX times per day. They are calling about a supposed bad check that I wrote to a payday loan agency that I 've never been too, and I 've checked with my bank and there was no bad checks written. I called them and spoke with the representative that is handling my supposed account, and asked him to stop calling me and my wife. The phone calls continue, and I need them to stop harrassing me and my wife for this apparent debt that I do not owe. He also told me that a judge is going to sign off on the debt and will garnish my wages at XXXX %. I work for a payday loan agency and I know this is false. I need them to stop calling and harrassing me and my wife.
Consumer complaint received 2016-03-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

OCWEN gave me a loan modification for my property about 24 months ago but it was unaffordable. I paid it for about a year, but could not keep up with the payments because it was still a very high interest rate. I 've been trying to get another modification ever since to a 2 % rate similar to the government HAMP program.
Consumer complaint received 2017-11-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (LA)

I have repeatedly noticed a collection/chargeoff on my credit report from Comnwlth Fin. I disputed this error over a year ago because the debt was over 8 years old. Now this debt is updated regulary. This originated from a medical bill that is over a decade old. The chargeoff/collection amount is showing {$1100.00} reported XXXX XXXX, 2017.
Consumer complaint received 2017-09-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RAS LaVrar, LLC (FL)

InXX/XX/XXXX I received a dunning claim from XXXX, PA, XXXX XXXX XXXX XXXX, XXXX Florida XXXX on an account and debt that were not mine. I responded in writing denying both the account they referenced and that any debt was due from me. Today, XX/XX/XXXX, I have received the identical dunning claim from RAS LaVrar , LLC, XXXX XXXX XXXX XXXX, XXXX Florida XXXX with the assertion they had " purchased the assets of XXXX XXXX XXXX ''. This seems an obvious, bogus corporate left hand-right hand game with an attempt to collect debts that they know are not legitimate. They need to be put out of business.
Consumer complaint received 2017-11-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

Good evening, CFPB. 

I am writing to you regarding my " temporarily disabled '' Coinbase account. 

After hours of reading online, I could n't seem to find an answer that could resolve my issue.

My coinbase account registered on e-mail XXXX has been temporarily disabled with funding in it. 

It is a known issue that Coinbase Support do n't handle the customer support cases that are submitted to them, and some people have been waiting for months. The highest one I 've found have waited for 135 days. 

With my account temporarily disabled, I am unable to retrieve my money from my account, and I am unable to manage the virtual currency that I have on my account.

I would like a detailed explanation of why my account is temporarily disabled, and how to get it back. 

Thanks. 
XXXX XXXX
Consumer complaint received 2017-09-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (OR)

Caine and Weiner is attempting to collect a debt of my XXXX grandmothers for which they can provide no actual proof of payment beyond the word of original collector. According to original collector 2 payments were made after contract was terminated due to XXXX of my grandmother on XX/XX/XXXX. There has been no evidence provided of payments, ie ; cancelled check, deposit slip, bank statement. 

I have disputed validity of debt, and again sent a certified letter asking XXXX XXXX XXXX to cease all collections of debt as they can not provide legal documentation of debt. I authored this letter after speaking with XXXX XXXX on XX/XX/XXXX where as he became very hostile towards me on the phone and ended the conversation by hanging up on me.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Experian Information Solutions Inc. (SC)

I am writing to dispute the inaccurate credit information reported under my legal name XXXX XXXX XXXX, XXXX XXXX and associated derivatives. This information has been furnished erroneously, as a recent UCC-11 search confirms that no debt exists for the legal name in question. Additionally, this misinformation constitutes a violation of the Truth in Lending Act ( TILA ). In accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws
Consumer complaint received 2017-09-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: KEYCORP (OH)

I had to file two complaints with the Better Business Bureau against Key Bank. Both complaints were closed with a recording of unresolved and dissatisfied. I clicked on the link that CFPB sent me in an email on XX/XX/XXXX to inform CFPB that this matter still has not been resolved. However, when I logged on to CFPB website to check the status of my complaint, it was listed as closed. Therefore I am submitting a new complaint because this matter has not yet been resolved. Key Bank has not deposited my {$300.00} bonus into my account. I met the requirements to receive the bonus therefore Key Bank needs to deposit the bonus into my account as soon as possible because this problem has been ongoing since XXXX of this year. On page 10 of the 20 page pdf file titled Key Bank complaint, the document states : " Offer Code XXXX has been applied to this account. '' On page 13, the document titled Key Bank Account Details, lists the date of my Opening Deposit as XXXX XXXX. On page 18 is the email that I sent to XXXX XXXX which contained a pdf attachment of my relative 's Key Bank Account Detail which also lists the date of their Opening Deposit as XXXX XXXX and it also shows that they received their bonus and the bonus was listed as " {$300.00} Gift From Key Bank For Recent Offer ''. Therefore, I questioned XXXX XXXX as to when I would receive my bonus. OnXX/XX/XXXX, I visited the branch in person and requested my {$300.00} bonus and for a new debit card to be mailed out and as of this date I have not recieved either. I have attached 3 pdfs for review to proof these facts.
Consumer complaint received 2017-11-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC (NC)

This company is reporting that Im late, I dont owe this company and they havent provided me any documentation to prove that this debt belongs to me. I have disputed this with the credit bureaus which this company havent provided any original signed contract or proof to them either I would like to have this account removed from my credit report ( s ) immediately. I have attached the credit XXXX letter that I sent to this company and as well the credit bureaus.
Consumer complaint received 2017-09-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND)

I am victim of identity theft. I never applied for a XXXX credit card account. The following XXXX credit card accounts do n't belong to me : XXXX and XXXX. I have never applied for a XXXX credit card account.
Consumer complaint received 2017-09-15
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (FL)

On XX/XX/XXXX I received a letter that I have a balance due in the amount of {$30.00}, I called them, because it is weird, I have automatic payment with them ( No with my bank ), and they told me 1 time that I called, that I made payment late, and the other customer representative said me that at the beginning of the contract my amount is {$490.00}. some thing, that it is not real because at the beginning of the contract in XXXX or XX/XX/XXXX, my monthly payment was of {$450.00} something. after my county increase the sales Taxes ( This one is my other question, They can change my monthly payment that was agreed when we signed the Lease contract in XXXX because the sales tax was increase in XXXX??? ) they change my monthly payment fr. {$450.00} something to {$480.00}, and they start to debit this amount, Now I have a supposed balance due in the amount of {$32.00} something because was change from the date of the letter to now for Late Fee ... and the Customer Representative told me that the amount of {$490.00} something is the amount at the beginning of the contract. So after that I called for 4th time  and they told me that the supervisor will call me ... But I feel really upset with this company, I feel deceived and abused. This is the reason that I was motived to contact you.
Consumer complaint received 2017-11-29
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: DISCOVER BANK (NY)

Called Discover Student Loans XXXX/XXXX/XXXX to cancel automatic payments, because I could not cancel automatic payments nor change the payment withdrawal date using their online system. Was assured by the customer service rep that the automatic payments had been stopped. 

Was charged a payment on XXXX/XXXX/XXXX, called Discover Student Loans that same morning. They said they had " no record '' of my call, " no notes. '' I assured them I had the call history in my own phone. They assured me that my automatic payments had now been canceled. This payment coming out of my bank account was unexpected, and it caused my bank account to overdraft. On top of the negative balance, I am now responsible to my bank for an overdraft fee. 

Also asked about my forbearance options and representative said she would have to transfer me to another department, which I did not have time for.
Consumer complaint received 2023-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-12-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (OR)

After spending over a year in court defending my income property against a foreclosure, I lost to Wells Fargo Bank ( for XXXX ), but was offered a loan modification in lieu of an appeal, so I complied with the application process for a loan modification. I was shortly there-after denied a modification, with the reason stated being, " The owner of your loan does not allow modifications ''. I complained to the lender 's lawyer who offered the option of modification and received an email from the lawyer stating that the lender was working on a special modification for me. After months and months and mounds of paperwork, I was again denied the modification for the same reason, " the XXXX of your loan does not allow loan modifications ''. I contacted my state 's Attorney General to complain of these unfair and illegal lending practices, I was given the advise to contact the CFPB. I have all documentation of the email correspondence from their lawyer stating I was being given a special loan modification by the lender as well as both denial letters stating their reason for the denial, as mentioned above. Denial # XXXX was received around XX/XX/2016 with the final denial being received by me on the XX/XX/2016. Their final denial letter asks that I respond no later than the XX/XX/2016 with an answer of whether or not I would like to proceed with a short sale or a Deed in XXXX of XXXX. I intend to reject both offers, as I should be able to easily qualify for the XXXX loan. The XXXX loan option is what the lender 's loan servicer 's paperwork stated was the type of loan mod they were originally seeking for my property. I should easily qualify for this loan because my property is an income property. It generates {$800.00} monthly rents, plus I have an income of my own. My mortgage for this home is about {$950.00} per month. I believe the lender never intended on granting me anything other than a foreclosure and have just been wasting my time with paperwork and lies. These are unfair and illegal lending practices. The lender should be prosecuted for such business practices. However I have already exhausted my means for fighting in court as I have spent a year fighting the lender in XXXX court already.
Consumer complaint received 2017-09-15
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: EQUIFAX, INC. (CA)

I 've tried to reach Equifax to find out if I was part of the breach, https : //trustedidpremier.com/XXXX to no avail. Additionally I went to annual credit report dot com for the federal law approved report too, it 's locked and not taking requests currently.
Consumer complaint received 2017-11-27
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: Westlake Services, LLC (CT)

West Lake has inquiries on my credit report several times that I know nothing about, I tried writing to have them remove this and I have not heard back anything from them, the dates of the inquires are XX/XX/XXXX listed 2 times, XX/XX/XXXX listed 2 times, trying to get this resolved I have no knowledge of this at all.
Consumer complaint received 2017-11-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A. (MI)

False information was provided about loan product, rates and terms. According to the loan origination officer, the title company alleges that collateral is in trust, which is not on record with the county deeds.
Consumer complaint received 2017-11-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (CT)

In XXXX XXXX 2017, I logged into my bank account to see about {$500.00} missing for transactions I did not make. I called Citizen 's to find out that someone had stolen my debit card information to purchase theme park tickets, movie tickets and more. They finally agreed to refund my money for these transactions, which took about a week, remind you, i did n't make these transactions, so why it took a week to get my own moeny back amazes me. Fast forward this SATURDAY in XX/XX/XXXX, I get a letter stating that citizen 's bank has decided one of the transactions in XX/XX/XXXX was VALID, and that they will deduct {$200.00} my account to pay back the vendor which is a theme park in Texas called XXXX XXXX XXXX. I live in CT. I 've never been to Texas. the documentation shows my name & agree, but an incorrect email address and the THIEVES names on all of the tickets! NOT MY NAME! I call up Citizen 's to be told, " well we sent you a letter and you never responded, so we can not help you. ". I kindly told them I did not receive ANY letter until this one, and this is NOT my transaction nor will pay for someone who committed an illegal act. XXXX XXXX from the eletronic banking department has told me 3 times now, including raising his voice at me, that THEY WILL NOT HELP MEm AND THIS TRANSACTION IS VALID! So again, let 's recap. I live in Ct, I 've never been to Texas nor do i know anyone in Texas. I 'm also XXXX. They 're telling me that this transaction is compltely valid and that i have to pay for these criminals to go to a theme park now. I asked how they protected me, as their client, in this situation.. " well the theme park has rights too. '' Fabulous, thank you so much Citizen 's Bank for once again screaming over your customer.
Consumer complaint received 2021-01-11
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

On XX/XX/2020, I mailed a letter requesting an investigation about inaccurate accounts listed on my credit report. It has been two months and I still haven't received any results of any investigation.