davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK (MA)

I have a balance ( for what feels like forever ) with Discover card. I agreed on a monthly payment plan. Without my authorization Discover fraudulently took funds from mother 's account. I'm not sure how they got my mother 's information other than once she allowed me to use it to hold a hotel reservation which I ultimately used my Discover card to pay the hotel bill. My mother is XXXX years old an can not afford to have had this money taken from her. It got by both of us because we were grieving the XXXX of my father and my husband had just suffered a massive XXXX. My father paid all of their bills so it was much later that my mother realized this money was coming out of her account without our authorization. On XX/XX/XXXX I spoke with a Discover card representative, XXXX. I explained that they were drawing money from my mothers account without permission. I asked her to produce paperwork showing that I gave them permission to access my mother 's account. She told me that they don't keep those records but that she would refer me to the fraud department. After not hearing back from anyone from the fraud department I called Discover again onXX/XX/XXXX, spoke with XXXX, was told again that they would refer my complaint/request to the fraud department and again I never heard from anyone, but they continued to bill me every month. Subsequently I had to make another payment arrangement because the {$14000.00} balance had not really decreased in three years because of the incredibly high interest rate I was paying. I have a payment arrangement letter dated XX/XX/XXXX informing me that my direct pay would begin on XX/XX/XXXX. This letter does not show my account number but this is when they retrieved archived information and automatically took the money from my mother 's account. I did not realize this was happening. I just received a monthly email notification that the payment had been made. During that time I was transitioning from having my XXXX husband pay the bills to me assuming responsibility for the bills. However, I also have the letter dated XX/XX/XXXX enrolling me into a new direct pay agreement showing the ( my ) account number that I gave to them. They fraudulently stole money, approximately $ 7,000+ from my mother. I believe that their unwillingness to assist me in addressing this matter is an indicator of guilt. My mother is on a tight fixed income and can not now afford to make repairs in her home because this money was taken from her illegally and she doesn't have extra money.
Consumer complaint received 2018-01-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (MI)

I have vehicle that is a XXXX XXXX XXXX. I was told that my last payment would by XXXX but when I called santander consumer usa. On, XX/XX/XXXX I was told I have to pay XXXX. The company keep adding Fees not able to explain the break down of fees such as intrest also. I have noticed that my maturity date keeps changing. On XX/XX/XXXX I requested a pay off quote. What was stated is that I have 16 Days to pay off the pay off quote which is way higher then our final pay off amount.I stated it seems like I 'm being penalized for requesting a payoff amount they said no ma'am your not But that 's not what it sound like to me when things were explained. I do have recordings of the last two reps that I spoke with at santander consumer Usa. Also I have screen shots of my payment history, intrest and also how my maturity date keeps changing which means this company is adding on mics. Fees to my account causing my husband and I to pay out more. At this point this company is causing pain and suffering because the company is taking more money out of our pockets then tey should causing us to fall behind on other bills trying to keep up with this bill. I have tried to get the correct account balance that I know is supposed to be paid off for the last and final payment by XX/XX/XXXX but my husband and i know for sure the last and final payment will be paid on XX/XX/XXXX@XXXX est. This company has been sued for underhanded and dishonest practices and at this point My husband and I have proof of everything and want to begin to take legal actions against this company. So please if possible can someone send my husband and I in the right direction to go, to take legal steps. My husband and I have been ontime with all our payments never late and we have been loyal consumers but this company has not been loyal to us.
Consumer complaint received 2018-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Total Card, Inc. (WV)

The credit account was opened, in XX/XX/XXXX after a solicitation was sent to my home address. there was a required processing fee and annual fee, that came directly out of the initial credit limit of {$300.00}. The first months payment was made in full, and on-time XX/XX/XXXX. An automatic payment schedule was created, to pay the entire statement balance that was to take place before the due date, of the XXXX of each month. After using the card, and accumulating a balance due on the XX/XX/XXXX bill, I continued to check to see when the automatic payment was going to take place. On the XX/XX/XXXX, I checked, and did not see the automatic payment going through, so I made a payment using my debit card, to ensure no late payments on the account. Shortly after making the debit card payment, I received an email, stating that the automatic payment was going to take place, and that there was nothing I could do to pay it. two payements were made, in the amount of XXXX on XX/XX/XXXX, which over-paid the account. 

On the XX/XX/XXXX, I checked my account, and noticed that NONE of the funds I had paid, were available, to find out that the accounts restricted as a result of the overpayment. I instructed the company to close the account, and send me a refund. They stated the account would be closed. I called back 3-5 days later, to inquire about when they would be sending me a refund check for the overpayment, to find out the account had not yet been closed. the funds from the ACH automatic payment, had not been verified, and took up to 21 business days. after a long phone call, I was finally able to get the to verify the funds with my bank, who verified that the funds had come out of the account, and could not be reversed. customer service stated the account had been closed, and that the refund check would be sent out. I have called no less than 5 times since XX/XX/XXXX, to inquire about the account being closed, to continue to get different answers about the account being closed, and a refund check being sent out. some have said it takes 30 days to be sent to accounting and 30 days for accounting to issue a refund check, and some have said 14 days total.
Consumer complaint received 2018-01-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. ()

I have sold about {$27000.00} of crypto currency using Coinbase. 
The sale of the currency itself was fine, and I have been able to transfer it all into, which is sitting in my Coinbase wallet. 

However, I am unable to withdraw it from there. In order to withdraw money, you are required to verify a bank account with then, by using the account to make a deposit into your Coinbase Wallet ( in ). 

They state that this process will take 1-2 business days. 

On XXXX XXXX, 2018, I submitted a deposit from my bank account of XXXX, which reached my wallet within the day. Coinbase immediately credited my wallet with this, but my bank account was still marked as unverified, so I was still unable to make a withdrawal.

This was still the case on XX/XX/XXXX, so I submitted a support request. 

I received what I assume to be an automated response on XX/XX/XXXX. I assume it was automated because it contained instructions for making a deposit, something I had already done successfully. I responded immediately and pointed out that this was not my issue, and I had made a successful deposit already, but my accojnt was still not marked as verified. 

On XX/XX/XXXX I received another response. This one stated that my case had been escalated to a specialist, and contained additional advice for making deposits ( that I did not need, having made a deposit successfully ). It also recommended I check that my bank account was listed as a payment method, which it was, and I have checked every detail to ensure it is correct, which it is. 

I responded on the day, pointing out that everything was in order from my end, and I have sent several follow-up emails since. However, Coinbase have not yet responded to any of them. 

I would like to verify my bank account so that I can withdraw the 22,000 or so that is sitting in it. Every day they hold on to it is an additional risk, as exchanges are hacked and targeted all the time. I just want my money.
Consumer complaint received 2018-01-26
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (OH)

I had a Walmart card total credit limit was XXXX. I paid XXXX in XX/XX/XXXX, they closed my account after I made this large payment. But they continue to charge my bank and take money out. The balance I owe was {$67.00}. Walmart has taken  that amount over 5 times and I have proof. It is on my bank statement. Recently, they took {$73.00} in XX/XX/XXXX although my account is paid in full. According to my credit report. WHY IS XXXX XXXX continually taking money to put in an closed account, now they are saying I owe them {$130.00}. HOW? I HAVE NOT USED THIS CARD IN ONE YEAR AND MY ACOUNT IS PAID IN FULL WHERE IS MY MONEY GOING OR IN WHOSE ACCOUNT. Something is not right here plea.e investigate. They already caused my credit score to drop by closing my account, Now this. SOMETHING IS NOT RIGHT, what rights does a consumers has please help! 

On the attach document shows Walmart ACH means automatic payment in XX/XX/XXXX of XXXX they are just taking money for me, why. I have XXXX children and need to build my credit to get a house and unhonest company is hurting the small man.
Consumer complaint received 2018-01-27
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX had illegal obtain my information without consent in an effort to exort money out of me by walking around in the neighborhood signing people of for service without their knowledge or approval. I found out in 2017 from the Student loan department about the debt. I had a police report due to someon stealing my identity. I filed with Experian on numerous counts with this police report but, experian rep 's have intentionally and knowingly fabicate to me about filing such dispute than a rep by XXXX threaten to send to all bureaus about XXXX because I continue to file the dispute. I told her she is violating my rights and so is Experian by continuing to report the information intentionally and knowingly this account is a fraud by police report but, Experian system will not allow me to download Police report and response by sending to their XXXX XXXX which, they claim they never get. I have asked Experian to remove this from by credit but, they are aware that this is a SCAM by XXXX and refuses to remove this off my credit report. My credit is good this is the only negative thing on my credit. I am not a Debtor. I pay my bills which, my history provides evidences that my debt are paid to full balance on time. Experian continues to violate by RIGHT BY NOT REMOVING THIS SCAM ACCOUNT OFF MY RECORD -- Attached a Copy of the police report and I will also be filing with another federal office on Experian
Consumer complaint received 2018-01-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CITIZENS FINANCIAL GROUP, INC. (GA)

Had a vehicle that was financed at the Bank that was traded in and paid off in XXXX. Subsequent to the payoff, another payment ( {$540.00} ) was sent by my bank due to my failure to stop the automatic draft in time. I have since called the Bank and spoke with numerous people ( at least 6 phone calls ) who all told me they would be sending me a check for the payment in about a week. This went on for three months. Today I called them again because I still have not received the check. The CSR that I talked to today informed me that my payment was applied to a family members account that I have nothing to do with. So I had that family member to call and confirm that the payment was posted to their account so that I could get them to refund my money. I gave her my case # and she called and spoke to two different CSRs who both told her the payment was not there.
Consumer complaint received 2018-01-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (FL)

Several months ago, ( I do not have the exact date ), I tried to close my Wells Fargo Checking and Savings Accounts. I was told that they would be closed. This was a telephone call. They would not send me my money and they would not allow me to do a bank transfer so I took as much money as I could with my debit card from an ATM Machine. I was told to shred my debit card and I did that months ago. 

Recently, two people by mistake made two separate deposits into my supposed closed Wells Fargo accounts. The amounts are {$600.00} and {$150.00}. Wells Fargo will not give them their money back and they will not give the money to me. I have spent hours on the phone to no avail, I can not close the accounts and I can not get my money out of it either and neither can the people who deposited the funds. I was on the phone today for several hours and the same situation prevails, I can not close the account and I can not get the funds out. 

I live in XXXX XXXX XXXX XXXX and can not go to a teller at a Wells Fargo bank to do any sort of transaction. For me to fly from here to XXXX would cost me over a {$1000.00}. All I want to do is close that account and get my money out of that bank. 
Regards, XXXX XXXX XXXX
Consumer complaint received 2018-01-24
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: WELLS FARGO & COMPANY (CA)

On XXXX XXXX 2017 a financial solutions company called " XXXX XXXX '' contacted me on the phone and offered me a refinance on my existing auto loan.

I asked them about what interest rate they can give me and they asked for my personal information. I particularly told them that if there will be a hard pull inquiry l would n't accept it at all and they insisted me that it was definitely be a soft inquiry and wo n't hurt my credit score so l said OK, just give me the rate.

And the next day when l checked my credit reports l saw that ; Five different hard inquiries on XXXX, 1- XXXX XXXX XXXX 2- XXXX XXXX XXXX 3- WELLS FARGO DEALER SERVICES 4- XXXX XXXX XXXX 5- XXXX Two different hard inquiries on XXXX ; 1- XXXX XXXX XXXX 2- XXXX XXXX  One hard inquiry on XXXX ; 1- XXXX XXXX XXXX
Consumer complaint received 2018-01-26
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: R.A.Rogers, Inc. (NY)

The account was opened in XX/XX/XXXX. The company has continue to call me and also send threathening letters to me in regards to this debt. I explained to them numerous time that this account was paid off by the gap insurance that I purchased. The car was a total lost after Hurrican Sandy and it was paid off by the car insurance and also the remainder was paid by the gap insurance.
Consumer complaint received 2018-01-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (FL)

In XXXX 2017 I received a loan offer in the mail from Big Picture Loans. I was in a bit of a financial rut so I decided to contact them to get a {$900.00} loan. While speaking with their Representative, it was pretty easy to get the loan and all I had to do was give them my bank account info and I was quickly approved. I was given very little information as to how many payments I would be making or how much my interest rate would be. Once I received the loan, I created an online account to view my payment history, payoff amount, etc. It was there that I found out that I would be paying {$190.00} bi-weekly ( {$400.00} a month ) with an APR rate of 545.69 %! So in the end, I would wind up paying {$5000.00} on a {$900.00} loan!! To date, I have paid roughly {$1600.00} and the majority of it is just interest. I contacted them about the payoff amount and the amount was always just about {$1000.00}, so I would never even get close to paying it off. Every time I did speak to someone I would get the run-around. I decided to XXXX this company, which I should 've done so from the very beginning, and it seems I was n't the only one getting charged these astronomical rates for such a small loan.
Consumer complaint received 2018-01-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

it was rent they said I owed, I paid amount of XXXX which I paid in two payments, which they I would be reported if not paid, this was in 2014, they did take out the correct one.i saw now they have someone elses debt showing on my XXXX and XXXX report showing I owed them such a big amount of XXXX. I call spoke to a guy call XXXX, he found it was wrong and it still shows. I need this corrected. I am so embarrassed, I been tryong to correct this. I don't get any where with them. The co- I Q DATA INTERNATIONAL, XXXX XXXX XXXX, XXXX XXXX WA XXXX XXXX # XXXX. PLEASE I NEED THIS CORRECTED. I hope you can help me. thank you.
Consumer complaint received 2018-01-25
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (AZ)

I received a misleading email making it seem like my account was overdue and they offered special programs including taking my tax refund to cover a payment/partial payment. In the email it includes this line underlined and in italics " If you 're getting a tax refund, put those funds to good use - bring your account current to stop the late fees and collection calls. '' My payment is due XX/XX/XXXX. I received this predatory and misleading email today, XX/XX/XXXX. My account is not overdue, but the red highlighted " alerts '' and request for my tax refund were still sent to me? Not ok.
Consumer complaint received 2018-01-27
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: NAVY FEDERAL CREDIT UNION (TX)

My information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Navy Federal Credit Union Card Card XXXX XXXX XXXX XXXX XX/XX/XXXX Notified Navy Federal of fraud charges on my account on XX/XX/XXXX, XX/XX/XXXX. and again on XX/XX/XXXX to no avail. 

The fraud charges are : XX/XX/XXXX XXXX {$420.00} XX/XX/XXXX XXXX bill {$29.00} XX/XX/XXXX XXXX  bill {$1.00} XX/XX/XXXX XXXX  bill {$39.00} XX/XX/XXXX XXXX {$28.00} XX/XX/XXXX XXXX bill {$29.00} XX/XX/XXXX XXXX bill {$39.00} XX/XX/XXXX XXXX bill {$29.00} -- -- -- -- -- -- -- -- Total on XX/XX/XXXX {$620.00} And likely more charges since then. 
I sent USPS mail every month and they simply ignore it. Asked them to cancel the card as fraud and send a new one to stop the fraud and it is my requests go on deaf ears.
Consumer complaint received 2018-01-27
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA Section 623 ( a ) ( 1 ) ( A ) Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your failed to mark the XXXX account with a balance of XXXX- account # XXXX as disputed by consumer within 30 calendar days of my first dispute in XX/XX/2016 and you still failed to provide the original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and provide the method of verification as required under Section 611 ( a ) ( 7 ). 

Now that you have violated the FCRA, I`m now entitled to XXXX per occurrence of each violation. 
I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I`m entitled to under Section 623 ( a ) ( 1 ) ( A ) if Target account with a balance of XXXX- account # XXXX is not deleted immediately. 

I`m filing this complaint through the Federal Trade Commission because this will be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

This item listed on my credit report in violation of Federal Law. You are required under the FCRA to mark this item as disputed by consumer within the first 30 calendar days since my first dispute in XX/XX/2016 and provide me a copy of my original documentation ( a consumer contract with my signature on it and yet you still have failed to honor my demand. 

Do not send me bank statements, or payment history in replacement of not sending me the original consumer contract with my signature on it. 

I hereby demand immediately deletion of XXXX account with a balance of XXXX- account # XXXX from my report in which you violated Section 623 ( a ) ( 1 ) ( A ), Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified immediately. 

Please note, you have already violated Section 623 ( a ) ( 1 ) ( A ), which you failed to mark as disputed within the first 30 days of my first dispute in XX/XX/2016, which entitles me to XXXX for damages and other violations by not providing me a copy of the original contract with my signature. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you, thats why Im filing this complaint through the Consumer Financial Protection Bureau.