davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (WV)

On XX/XX/year> I purchased concert tickets from XXXX XXXX through my PayPal account in the amount of {$500.00}. I used my {$440.00} PayPal cash balance to pay for most of this and also used my XXXX XXXX of which {$53.00} was charged through PayPal  on my XXXX XXXX. The tickets were cancelled by XXXX XXXX on or around XX/XX/year>. I filled a dispute through my XXXX XXXX for the {$53.00} that was charged thru them and received a refund of {$53.00} on XX/XX/year>. I have not received the additional {$440.00} from either PayPal or XXXX XXXX. I have contacted both companies, PayPal at least 8 times. XXXX XXXX told me they sent the {$500.00} back to PayPal on XX/XX/year>. PayPal continues to give me the run around on my refund.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-18
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: M&T BANK CORPORATION (NM)

Complaint Against Mortgage Lender for Multiple Failures and Unprofessional Conduct : To Whom It May Concern, I am writing to file a formal complaint against my mortgage lender for numerous and repeated failures to manage my mortgage account accurately and professionally. As a veteran, I am entitled to certain property tax exemptions, which my mortgage lender has consistently failed to acknowledge and apply correctly. The specific issues I have encountered include the following : Failure to Accurately Acknowledge Veteran 's Property Tax Exemption : Despite submitting the required documentation on multiple occasions, my lender has failed to recognize and apply my veteran 's property tax exemption. This has led to incorrect calculations and higher than necessary mortgage payments. 

Inaccurate Escrow Analysis : My lender has repeatedly failed to conduct accurate escrow analyses, both upon my request and on an annual basis. This has resulted in erroneous adjustments to my mortgage payments, causing significant financial strain and frustration.

Falsifying Insurance Premium Increases : On several occasions, my lender has falsely attributed increases in my mortgage payments to supposed rises in insurance premiums. These claims are unfounded and appear to be a tactic to unjustly inflate my payments. 

Denial of Receipt of Tax Exemption Documentation : My lender has repeatedly denied having received the documentation for my veteran 's tax exemption, despite my providing this information multiple times. This has caused undue stress and has hindered my ability to have my mortgage payments adjusted correctly. 

Unprofessional and Argumentative Conduct : During various telephonic interactions, representatives from my mortgage lender have conducted themselves in a highly unprofessional and argumentative manner. This behavior is unacceptable and has made resolving these issues even more challenging. 

Failure to Take My Requests Seriously : Overall, my mortgage lender has not taken my requests seriously and has failed to adjust my mortgage payments in accordance with their legal obligations. This negligence has caused significant financial and emotional distress.

I am seeking the CFPB 's assistance in resolving these issues promptly and ensuring that my mortgage lender adheres to their legal and professional responsibilities. Specifically, I request that my veteran 's property tax exemption be properly acknowledged and applied, accurate escrow analyses be conducted, and that my mortgage payments be adjusted accordingly. Additionally, I request that my lender 's representatives conduct themselves in a professional manner during all interactions moving forward. 

Thank you for your attention to this matter. I look forward to your prompt and effective resolution of these issues.
Consumer complaint received 2024-06-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

I have had a Coinbase account for many years and I use my thumbprint ( biometric login ) to login to my account with the app on my phone. One day roughly 4 months ago, I went to login with biometrics, and the app was fully logged out and asked for my password. It had been over a year since I logged in with my password and I entered it incorrectly two times. I was then blocked out of my account with a message that read " Blocked. Your account is currently restricted. Coinbase will review your account internally and will send an email once our review is complete for further information ''. 

After a few weeks past without hearing from them, I contacted their customer support on XX/XX/2024. I provided all the documents that they asked for and was told that my case was being escalated to a " specialist '' and they would contact me soon via email. I received an email form Coinbase asking for a screenshot of the error message that I was receiving and I sent it to them. After not receiving a response for over a week, I emailed again on XX/XX/2024 asking them what's going on. 

I received the following response the next day : " XXXX XXXX, We wanted to go ahead and acknowledge that weve received your inquiry. Also, because you've previously written to us about this same issue, we're going to merge your cases into a single email thread. Were working hard to quickly address this issue, and well reach back out as soon as we have an update. 

In the meantime, if you have any other questions about this issue please feel free to reply back to this email. 

Regards, Coinbase Support thread : XXXX : : '' Since then I have responded to their email on 8 different occasions, and have not received a single response to date. I have called their customer number on 10 different occasions and have gotten nowhere. I only get connected to a call center in the XXXX, with a representative that reads a script back to me and the call ends with them telling me that a specialist will reach out to me via email. It has been over 4 month and all my my funds and crypto assets are locked up with Coinbase, and I can not even log into my account. I have asked to speak to a supervisor on the phone but their only response is that one will email me, and it has been over 4 months with no response. 

I desperately need access to my funds and am at a complete loss as to what I can do next!
Consumer complaint received 2024-07-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Byrider Franchising, LLC (OH)

I am unaware of this debt from CNAC in the amount of {$9700.00} on XX/XX/XXXX. I was not given the opportunity to dispute this information prior to placing it on my credit report. If you believe I was given proper notification, please provide the certified mail receipt with my signature on it. If you aren't able to provide that please remove this from my credit report immediately. I sent a letter to CNAC via certified mail. It was delivered on XX/XX/XXXX and I received no response. You have violated my rights by not responding to my request to give me the option to dispute this.
Consumer complaint received 2024-07-18
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: FREEDOM FINANCIAL NETWORK (CA)

This is my fourth complaint against XXXX XXXX XXXX ( XXXX ). Despite my repeated attempts to resolve the ongoing issues with XXXX, the company continues to demonstrate a pattern of unauthorized withdrawals, lack of transparency, and overall mismanagement of my debt settlement account. 

Previous Complaints : I have previously filed three complaints against XXXX. The first complaint, XXXX XXXX. XXXX, filed on XX/XX/XXXX, highlighted significant discrepancies in account management and a lack of transparency in fees. XXXX only provided clarity after CFPB intervention. The second complaint, XXXX XXXX. XXXX, filed on XX/XX/XXXX, addressed FDRs refusal to allow the withdrawal of accounts from the debt settlement program despite contractual rights. CFPB intervention was required to modify accounts managed by XXXX. The third complaint, XXXX XXXX. XXXX, filed on XX/XX/XXXX, detailed unauthorized withdrawals after XXXX quoted XXXX debt payoff amount and locked changes on my bank account, preventing modifications. Despite my insistence, XXXX continued to withdraw additional fees without authorization. 

Current Issues : On XX/XX/XXXX, XXXX quoted an amount for my debt payoff, and I transferred the necessary funds. Despite my instructions, XXXX continued to withdraw additional fees. On XX/XX/XXXX, I emailed XXXX to confirm that no more withdrawals would occur, yet they scheduled another withdrawal for XX/XX/XXXX. XXXX has locked my ability to modify my linked bank account to prevent unauthorized withdrawals. Despite numerous communications, they have not resolved this issue. FDRs representatives have not provided a clear and detailed accounting of the fees and settlements, leading to confusion and frustration. The promised settlement amount and actual withdrawals do not align, causing financial distress. 

Correspondence with XXXX : I have repeatedly requested a detailed accounting of the payments and settlements, confirmation of the lump sum payment receipt, and cessation of unauthorized withdrawals. FDRs responses have been inadequate and non-responsive, leading to continued financial discrepancies.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

A credit card account for XXXX XXXX XXXX was opened in my name in XXXX  without my knowledge and consent. At the time of the theft I rarely reviewed my credit reports. Once I became aware of this account I contacted the XXXX and the credit bureaus. It's been a fight and a nightmare trying to recover from this. I have taken the necessary steps to fix the problem and I have sent Transunion my identity theft report, proof of identity, and proof of address. All of their requests were sent and yet they still refuse to block this fraud as I have requested. Their negligence is continuing to cause me damages because they choose to collect and report an account I'm not liable for nor benefited from. This is a violation of the FCRA. This account should be blocked under section 605B. Transunion is not doing their job correctly by not following the law ( FCRA ) set aside for victims like myself who are harmed through identity theft.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Best Ride Inc (AR)

Balance {$5100.00} Highest Balance $ XXXX  Monthly payment {$0.00} Opened XXXX XXXX, XXXX ( 4 yrs, 8 mos ) Term 44 months Payment History Last payment XXXX XXXX, XXXX Current Payment Status In Repossession Worst Payment Status No Info Account Details Account status Derogatory Type Auto Loan Responsibility Joint Remarks Repossession Times 30/60/90 days late XXXX Closed No Info If Im in repossession, why is there no days reported as late?

Its missing a lot of information for it to be in repossession.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (NV)

I have my Discover card on autopay every month I have never been late on this card. They reported my account late to the credit reporting companies they said I cancelled my autopay feature which I did not. They did refund the late fee but refused to correct the error on my credit reports. That caused my credit score to drop over XXXX points because all my other credit cards either closed my accounts or reduced my credit limits. I have called discover numerous times and they refuse to help. if you report, you have to report accurately by law, but by law you also don't have to report anything at all. It is completely at there discretion whether to report anything. Therefore, I am asking for exclusion of the late payments from my credit report
Consumer complaint received 2023-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (VA)

I have applied Citi Credit Card with XXXX XXXX with a promotional offer of XXXX miles. 
Before applying Credit card, I called both Citi and XXXX XXXX and checked about my last promotion to make sure I am eligible for this promotion as I have once received miles using similar promotion in year XXXX. As they said, card can be opened again in 4 years to qualify for the promotion, I applied the card again on XX/XX/XXXX. The last card I applied was on XXXX XXXX XXXX and closed on XX/XX/XXXX. As it exceeded 48 months as per their statment, I have applied the card again on XX/XX/XXXX and it was approved and I have spend XXXX in the first 2 months and when checked with Citi again on XX/XX/XXXX, they said they can not issue miles again as the last miles were given in XX/XX/XXXX and it did not exceed 48 months. 

I should have waited couple of months if they were clear on this when I did my initial call. 
I have unnecessarily applied for it if the miles were not given to me. I should have taken some other advantages instead of XXXX  hard hit on my account. 

I tried reaching to the bank on XX/XX/XXXX, but they couldnt help me on this. Can any way I can get help on this.
Consumer complaint received 2021-03-16
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: AmerAssist A/R Solutions, Inc. (TX)

OFFICE OF THE ATTY GEN {$16000.00} Balance updated XX/XX/XXXX XXXX late payment Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type XXXX XXXX Paid Off : 0 % Balance on XX/XX/XXXX Loan Amount {$16000.00} - Payment Info Status Past due 150 days Status date XX/XX/XXXX Past due amount {$16000.00} Original loan amount - Monthly payment {$450.00} Late payments XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - 120 - - - - - - - - - - 120+ Days Late - Data Unavailable Additional info Responsibility Individual Terms 1 Month Company sold - Original creditor - Comments Account information disputed by consumer Your statements - Contact XXXX XXXX XXXX XXXX XXXX TX XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account 1 collection account Total balance : {$1400.00} AMERASSIST AR SOLUTION Original creditor : XXXX XXXX {$1400.00} Balance updated XX/XX/XXXX XXXX
Consumer complaint received 2024-07-18
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A. (GA)

Good day, I am reaching out to gather the first date of delinquency for a few of my loans that were originated in or around XXXX at Citibank. 
I would like to get the first delinquency date recorded for loans XXXX XXXX XXXX XXXX These loans were sold to XXXX in or around XX/XX/XXXX. However when I reach out to XXXX their records only go as far back as XX/XX/XXXX. 
Previously all of my loans were scheduled to be paid at the same time and I have one of the loans that Citibank provided the first date of delinquency as XX/XX/XXXX. I have attached a copy for your records. 

Please provide or confirm that I did indeed have an initial delinquency on or around this time for the above mentioned accounts.
Consumer complaint received 2024-07-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Elevate Recoveries, LLC (TX)

I am unaware of this debt ; I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you think I received proper notification, send me a copy of the certified letter that was sent to me with my signature.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2024-01-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: WELLS FARGO & COMPANY (NJ)

I have requested that everything be addressed from Wells Fargo and I did not receive my request back from Wells Fargo. I also want the process of the Sheriffs Sale of my home to cease immediately. The amount that Wells Fargo says that I owe is inaccurate. None of the debts that they list are still owed. The most recent document that I received from the Sheriffs office says that {$130000.00} plus is owed. When in fact it should only be {$24000.00} to Wells Fargo. In addition. I have several documents from Wells Fargo that were false/fake that were supposed to pertain to my original closing documents. I found the original documents. Wells Fargo has a noted history of falsifying documents against consumers in order to steal their properties. I have the evidence that they have done the same to me. I have evidence that Wells Fargo had changed my original rate that I agreed to when I signed for my mortgage to benefit Wells Fargo. All of Wells Fargos actions have been illegal and predatory.
Consumer complaint received 2024-07-06
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE (WA)

Went into Old Navy and bought a couple of things. At the register their POS said XXXX XXXX XXXX for the credit card. The clerk said XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ... but alas the card was declined. This is so deceitful. I am sure in the fine print somewhere it says something. My problem is the wording. It didn't say XXXX XXXX XXXX XXXX. I know a lot of times an in-store app is XXXX because they can positively ID someone. But how can Old Navy and Barclays get away with this wording? This seems like pure and utter deceit to increase apps. But corporate is in on it! The clerk certainly couldn't have done anything to the POS. The interesting part too is I knew it declined because I had to pay with a different card. When questioned, the clerk said " It has to go through final processing. You'll get the card in the mail in about XXXX  days ''. How? Just how are they getting away with this?
Consumer complaint received 2024-06-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Capital One Bank is reporting XXXX accounts on my credit report as a Debt meanwhile these XXXX accounts has been paid in XXXX... 

The credit agencies ( XXXX, XXXX and XXXX ) know this issue also and the still posting these account as a debt, not paid, having a negative impact on my credit score.
Consumer complaint received 2024-06-26
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: VYSTAR CREDIT UNION (FL)

I borrowed funds from a credit union where I defaulted on the loan due to financial issues and the credit union charged the loan off and forwarded to a third party agency to collect. However, this third party entity placed a Judgment/wage garnishment against me for excessive fees/ charges which is not stated in the original signed loan agreement. This third party is charging additional fees for a balance that the charge off amount is {$8700.00}. These excessive fees/ charges were not agreed upon when signing the loan agreement with the credit union . Therefore, the credit union is in breach of the contract and my consumer rights.
Consumer complaint received 2022-11-21
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: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I lost my Bank of America credit card and reported it to Bank of America. I set up the fraud claim with Bank of America. Bank of America refuse to reimburse me for the fraud loss.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX Sent a letter to Transunion asking to investigate DEPT OF EDUXXXX  account XXXX-Another letter sent to Transunion in disagreement requesting a reinvestigation of account after information came back verified XXXXTransunion indicated information was updated and a change was made on my report based on my dispute XX/XX/year> Another letter mailed to Transunion specifying issues with report and payment history after their reinvestigation. 

XX/XX/year> Transunion failed to update and correct information after proof was provided of late payment inaccuracies and all XXXX credit agencies reporting mismatched information.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or amend the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX