davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

After CFPB sent my original complaint to SPS, they sent a short sale approval letter to my attorneys with items needed to close the short sale. Thank you. However, they have not provided a release from liability for me. This is now my third complaint submitted in less than XXXX months regarding this company 's deceitful practices. They are now claiming they have to get the investor 's approval to obtain the release from liability. However, I have a letter from XXXX XXXX XXXX XXXX department stating they ( XXXX XXXX ) are only the trustee of the trust and all decisions regarding this loan are made by the servicer WHO IS SPS ( they claim ). 
I have attached the letter here. The only problem I could see with them not providing this release is if XXXX XXXX is not really the investor and maybe XXXX XXXX XXXX is the investor since SPS now refers to themselves as attorney-in-fact for XXXX XXXX XXXX. I have also attached XXXX letters XXXX from XXXX XXXX I received in answers to XXXX sent out in XXXX. One stating XXXX XXXX is the investor ( but lists an address in South Carolina and there have never been any XXXX XXXX in SC ). The second letter from XXXX then states XXXX itself is the investor on this loan.
Consumer complaint received 2022-12-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TN)

Mortgage servicer - Mister Cooper XXXX XXXX company- XXXX XXXX servicer failed to pay the home insurance premium before the policy expiration date ( XXXX ). 

Mortgage servicer had all the necessary information to pay the premium before the policy expiration date. They failed to fulfill their responsibilities. 

Policy lapsed on XXXX. I called Mister Cooper on XXXX and demanded that the payment be made on that date. The agents at Mister Cooper lied and stated that they were unable to make the home insurance payment to XXXX because they were unsure of the payment amount. 

Mister Cooper agents noted that they called XXXX on XXXX but XXXX was unable to specify the payment amount.
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MoneyLion Inc. (NC)

I have reached out to MoneyLion on multiple occasions, through several different avenues, throughout this past year in attempt to dispute the following information that appears on my XXXX or XXXX and/or XXXX consumer report ( s ) : * High Balance * Date of Last Activity * Date Reported * Date Opened * Closed Date * Account Rating * Last Payment However, this inaccurate information is still being verified and reported by Money Lion each month. The information can not be both valid and different. Each bureau is reporting different data in each category. I request all three Money Lion accounts listed below be removed immediately from my credit report with XXXX, XXXX and XXXX. MoneyLion is in direct violation of my rights under FCRA. 

MoneyLion account numbers : * XXXX * XXXX * XXXX
Consumer complaint received 2020-12-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NY)

On XX/XX/2020 I was logged out of my Coinbase Pro account on the app on my phone. When I attempted to login I was prompted to input a code from an authenticator application. I dont recall setting up any Coinbase credentials on any authenticator app or if I did its no longer available on any of my apps. I submitted a ticket so the Coinbases support team to assist with resetting my authentication method. Upon receiving my ticket, the Coinbase specialist disabled both New York Coinbase and Coinbase Pro accounts, logging me out and locking me out of one account that I had no issue accessing and locking me out of the account I needed assistance with the authenticator.

After submitting the information requested by Coinbases specialist the specialist promptly restored my accounts however did not assist with my authentication issue. After I sent a follow up email to the specialist, the specialist immediately disabled my account again and stopped all further communications and work on my ticket. The specialist also refused to close the ticket so another specialist could be assigned to a new ticket. Both my accounts have been disabled for over six days and I have not received any communications from the specialist or any one else working on my issue in over 72 hours. Coinbase support team represented multiple times that my account issue would be resolved in 4-5 days, however its been over six days and I havent even received an update. After searching a few minutes on the public Coinbase help page I found the solution to my original problem described in my ticket. I sent the details and a link to the page to the support analyst who ignored my email despite providing the solution and continued to hold my account and funds XXXX by refusing to restore the account. 

As of today, XX/XX/2020, Coinbase has illegally been withholding access to my accounts for over six days without any justification especially with respect to their decision to restore and then subsequently disable after following up requesting assistance with the reason I submitted a ticket. My accounts total in excess of {$54000.00}. Coinbase in its own policy represents that is has no title to assets held by other individuals, and is illegally withholding my assets and money from me without cause.
Consumer complaint received 2020-12-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Credit Control, LLC (TX)

My previous complaint : XXXX SUBMITTED ON XXXX/XXXX/2020 PRODUCT Debt collection ISSUE Written notification about debt. 

I have received another letter regarding XXXX XXXX as current creditor, but from a different company. Credit Control LLC, XXXX XXXX XXXX, XXXX XXXX, XXXX, MO XXXX, XXXX. 

The letter is dated XXXX/XXXX/2020. It is alleging I owe {$530.00}. As I stated in my previous response letters and in the previous complaint ; 1 ) I am disputing that I owe them any debt.

2 ) The dates provided of the alleged debt are past the statute of limitations. and 3 ) I want the letters to cease and 4 ) I want all collection activities as it relates to this alleged debt to cease.

5 ) Finally, I would appreciate a direct response to my request and complaint. 

Thank you, XXXX XXXX
Consumer complaint received 2020-12-26
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX/XXXX/ with ACCT # XXXX opened on XX/XX/2018 with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/2018 with a balance of {$0.00} -This is not my account. 


-- XXXX XXXX 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/2018 with a balance of {$0.00} -This is not my account.
Consumer complaint received 2022-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (GA)

Upon taking a closer look at Consumer Reports I've realized that there are inaccuracies reporting that's damaging my credit worthiness and hindering my ability to be able to adequately provide for my family. FED LOAN SER account has been consolidated and been paid in full of a XXXX balance. However, it's also reporting that I have a 90-day late payment on multiple accounts with them which is inaccurate. I got the Loan in 2009 and has never made a late payment. My loans were also in forbearance the time frame that those inaccurate derogatory missed payment were furnished. I reached out to in reference to the matter and they mailed me a correspondence stating account was paid in full they have not record of payment history because the account was closed and paid off. I uploaded documents if you could please do what's fair and equitable to me as a consumer and reinvestigate, remove and or update the accounts in questions.
Consumer complaint received 2022-11-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (NC)

On XX/XX/2022, I was alarmed to discover that unauthorized payments from my PayPal account had been made since XX/XX/2022 totaling debits of {$1100.00} from my bank account. 

The unauthorized payments had the vendor title of XXXX XXXX and the individual amounts were deceptively small to avoid detection as fraudulent. I had a total of 46 of these transactions over the eight months, averaging to about {$25.00}, which on the surface may look reasonable for the nature of the transaction ; however, NONE of these transactions were in fact authorized by me, nor were used by any member of my family. 

Upon discovering this, I contacted PayPal and opened two cases ( as their online customer complaint tool is very confusing and limited ) : Case ID XXXX and Case ID XXXX. PayPal summarily closed both cases with a statement that I should take this up with the vendor, even after I made it clear that I NEVER authorized these payments. 

I need the CFPBs assistance to compel Paypal to honor their obligation under Regulation E to reimburse me for these obviously fraudulent charges. Thank you
Consumer complaint received 2022-12-03
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 — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL (MS)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It a so states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat u payment on a credit card account under an open end consumer credit plan as late fo XXXX should say, copy and paste this 23 %
Consumer complaint received 2017-12-02
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: General Motors Financial Company, Inc. (AR)

Auto Finance Companies used the shotgun approach on my credit report without telling me they did it and many still check my credit score without my permission .... My I have XXXX inquires on my XXXX credit score and XXXX on my XXXX XXXX On My XXXX mostly hard inquires That has drop my score and now im not able to get finance or a loan Im denied everything I want every finance company contacted
Consumer complaint received 2022-12-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC (NY)

Gemini restricted my account so I reached out to support via email and they asked me to upload a picture of my Id which I used to verify my Gemini account and also a selfie to verify my identity which I did and I was told my case was being escalated. It has been a week now and my account is still restricted. Ive reached out numerous amount of time to get this fixed and Ive yet to receive a response form Gemini, this is very inconvenient I have thousands of dollars in my account not able to access it is cause financially costing me a lot. This has cause me XXXX cause I can even barely sleep at night knowing I can not do anything with my account knowing it has been restricted by Gemini and they wouldnt help out or let me know any updates. Ticket ID # is XXXX.
Consumer complaint received 2022-12-03
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: AES/PHEAA (VA)

In acordance with the fair credit Reporting act my rights have been violated. 

15USC 1681 Section 602 States I have the right to privacy.

15USC 1681 Section 604 A Section 2 : It also states a consumer reporting agecy can not furnish a account without my written instructions.

15USC 1666B : A creditor may not treat a payment on a credit card acct under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-12-03
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: EQUIFAX, INC. (TX)

On Sunday XX/XX/XXXX I went to XXXX to search for a used motor vehicle. In an effort to gauge my qualification for approval, I filled out the sites pre-approval form. The results stated that I was not pre-qualified. On Sunday XX/XX/XXXX at XXXX, I received an email stating that the dealership would reach out to me concerning my inquiry for per-approval. On Monday XX/XX/XXXX I received several notifications that a hard inquiry had been placed on my credit report from each of the major credit bureaus. I did not authorize XXXX XXXX XXXX XXXX to run a full application for auto financing, yet they took it upon themselves to do so anyway, I advised them that I would file a complaint if the hard inquiry was not removed and I have not received a response from them since doing so. The representative I feel may be responsible is the sales person by the name of XXXX XXXX who may be contacted at XXXX or by calling ( XXXX ) XXXX or ( XXXX ) XXXX.
Consumer complaint received 2022-11-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (MD)

On XX/XX/2022 ally financial sent me a congratulatory letter for paying off my vehicle and the blank title for the vehicle. 

On XX/XX/2022 I mailed a letter and the original blank title to the Maryland XXXX XXXX. 

On XX/XX/2022 I received a letter from XXXX XXXX dening my title and alleging it was not the original and requesting monies and stating it must accompany a XXXX XXXX XXXX and alleging that the title was a duplicate in which she returned.
Consumer complaint received 2022-12-03
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. (NJ)

15 usc 1681 section 602 states i have the right to privacy 15 usc 1681 section 604 A section 2 : it also state a consumer has furnish an account without my written instructions.

15 1666b : A creditor may not treat a payment on a credit card an open -end consumer credit plan as any purpose. XXXX XXXX reporting late payments with XXXX XXXX and Exquifax on my report. with the months of this year.
Consumer complaint received 2022-11-26
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: DISCOVER BANK (TX)

Original Transaction : XX/XX/22 XXXX XXXX XXXX Event charge Dispute with Discover on XX/XX/22 Case Number XXXX I bought a ticket to a XXXX XXXX XXXX event. The event was a scam, as there were no XXXX XXXX XXXX  when i got there. I filed a dispute with Discover and they did not refund us as the merchant had set the terms of no refunds and they wouldn't escalate the dispute. No refund terms are null and void if the service they advertised were never delivered. I never received what i paid for and Discover refuses to refund my money. I would like to officially file a complaint against the company to request a full refund.
Consumer complaint received 2022-11-27
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (OH)

A dispute was entered with Equifax XXXX on XX/XX/2022. The account still hasn't been updated. It has been more than 30 days. I demand a removal of the account for being unable to be validated.
Consumer complaint received 2022-11-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (TX)

CITI Sears card ran offer of 15 % back on gas stations, grocery stores and restaurants up to maximum of {$90.00} for XXXX, XXXX and XXXX. I received the credits for XXXX and XXXX but not XXXX, despite receiving an email on XXXX XXXX stating I had accrued XXXX as of that date for the month of XXXX, yet I never received any of that credit which, by my own statement records would have been {$90.00} by the end of XXXX. Furthermore I called 3 times to resolve this and was treated with disrespect. The first manager said he would resolve it in 5-7 days and 3 weeks later still no credit. I called again and again explained the situation to the manager at which point with no warning he put me on hold where I waited for 30 minutes before giving up. This was rude and unacceptable.
Consumer complaint received 2017-10-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: P.S.C., Inc (WA)

PSC collection put ex wife med bills on my credit report. my ex lives in XXXX and is a XXXX XXXX. she has med insurance these bills never went thru any insurance..and she said there not her bills. from a wa state hosp. collection gave me her bills and med info.which is violation of HPPA act. bills and exwife name no proof of validation. XXXX 6 med bills.. and while been complaining to them and BBB. they sent me a bill I owed them XXXX for a ticket bill i paid and have receipt for they added XXXX in interest to it..SO med bills are fraud. plus there not in my name. Its consumer report. Not a report that is for how you moniter others because if they dont pay there debts.a collection agency who has power will ruin your credit report and there is nothing credit bueros will do. They will ask the fraud agency they will say YES of coarse its valid then case closed..SO Now your screwed
Consumer complaint received 2022-12-03
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: Informative Research (TX)

15 usc 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it is also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on my credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2017-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (NV)

I received a prepaid reward American Express credit card by purchasing fuel for aircraft that I flew. In XXXX 2016 we loaded the card with what are called " XXXX XXXX '' bringing the total amount loaded to {$930.00}. The card is offered by XXXX XXXX which is a fixed base operation throughout the United States. 

Since I had not received a new card, I thought perhaps it was lost in the mail. Concerned I checked the website and saw that the balance was still on the card. I began calling American Express to let them know that I had not received an updated card and after finally getting through, the American Express representative told me that since the card was expired I could not get a new card and I would have to forfeit my funds. 

It was apparent that the rep did not have knowledge of how this particular card works so I explained that the funds do not expire and that we can continue to load money onto the cards whenever we receive XXXX XXXX. 

The rep told me I was not entitled to the funds on my cards and for me to check the terms and conditions. His answer was without a doubt, ludicrous as I, as well as my wife and many other pilots, have had multiple AE cards in the past from purchasing fuel from XXXX XXXX and never had a problem. 

I checked AE 's Rules, Regulations and Disclaimers and there is nothing stated that the cardholder forfeit funds that were loaded onto the card. Additionally, the card clearly states that the funds do not expire. See attached documentation.
Consumer complaint received 2022-12-03
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. (FL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

+ 15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2017-10-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC (IL)

There is an account on my credit report from XXXX stating that I owe {$890.00}. The address linked to that account is XXXX XXXX XXXX XXXX XXXX XXXX, Il XXXX. Ive never lived at this address and currently have an open account with XXXX. This debt collection is inaccurate and I would like for it to be removed from my credit report. The account balance was also transferred to another lender which is illegal under the Fair Credit Reporting Act