davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-06
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

Greetings All, I have/had a mortgage with HSBC - it withdraws the mortgage from my bank account every month and has since 2004. Today I received a collection notice from XXXX - which states that I owe approximately 2 months of mortgage payments. I looked at my bank statement and the last two months have not been taken out of my account by HSBC ( since XX/XX/XXXX ). The extra money is just sitting there. 
I never received a notice about a transfer of ownership from either bank. I do not live at the residence, but had been receiving the statements and had received a letter stating they noticed my new address when I moved at the beginning of XXXX. They also used to email me monthly. 

I thought that both parties needed to contact me ( or at least one ) - and XXXX obviously has my address since they sent a collection notice. As they are closed now, I will reach out when they open at XXXX EST, but I am definitely not happy if they switch this without telling me and am worried my credit would be affected. 

thanks,
Consumer complaint received 2019-05-12
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commonwealth Financial Systems, Inc. (PA)

Federal law bars XXXX providers and suppliers from billing an individual enrolled in the XXXX program for XXXX Part A and Part B cost-sharing under any circumstances. Consignment violation reported to XXXX XX/XX/XXXX. And is in escalation. This action has negatively effected my credit and I am demanding that it be removed immediately from all major credit reports or I may be forced to exercise my right to persu civil action. Debt from XX/XX/XXXX. XXXX XXXX XXXX XXXX and in collections handled by commonwealth financial XXXX XXXX XXXX XXXX XXXX pa
Consumer complaint received 2018-01-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

Complaint about company - Coinbase Coinbase is a digital currency exchange, headquartered in  XXXX XXXX. It is one of the biggest digital currency exchanges, which registers 40,000 new users everyday. 

I made a SEPA deposit of XXXX EUR to my Coinbase account on the XX/XX/XXXX. This is approximately {$1300.00}. The intention was to make an international deposit to my Coinbase account, to purchase crypto-currencies. 

On XX/XX/XXXX, coinbase sent an email to me, saying that they were unable to clear my accounts ability to receive deposits at this point of time. For this reason, the funds will be returned back to me within 1-2 business days. 

On top of that, my account was temporarily disabled for no apparent reason from date of the SEPA deposit payment. So I was not able able to login. 

Due to this money not being returned to me, I have financially struggled in making ends meet and living on a minimum. I have also lost out on huge potential trading profits. 

I have emailed XXXX, XXXX, which supposedly worked at one point but do not anymore as the emails bounced back on me I have emailed on the coinbase customer portal - https : //support.coinbase.comXXXX. Here is says that priority is given to people with payment issue and account lock-outs. Two problems which I have had. All I get is an automated useless email with ticket numbers. The automated emails say that due to high volume, it will take several days to respond to the issue. 

In addition I have tried calling them, resulting in phone bills which costing me hundreds of pounds. I dont even get to speak to someone. I get automatically hung up on due to high volume calls even if I call within the first second of opening times. 

In addition I emailed XXXXXXXXXXXX, XXXXXXXXXXXX and XXXXXXXXXXXX CEO of Coinbase ). These emails seem to work as I have not had an emails bounce back to me. But I have got no reply. 

In all my emails I have tried to be polite and patient. But now I feel, enough is enough and it has become a ridiculous, not acceptable, pathethic situation. 

I am tired of reading that coinbase will reply within several days due to high volume. Coinbase need to block the thousands of new people joining everyday and focus on supporting their existing customers. Why should existing customers suffer for the new. No other digital currency exchange is providing this exceptionally poor service that Coinbase is providing. 

You can not hold and not return customers money for such long periods of time for no reason Stay away from Coinbase. Customer service is non existent. There is no way you can reach someone and talk to them. the best you will get is automated emails. Thousands of people are in the same situation as me.
Consumer complaint received 2017-12-01
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NE)

This complain is against OCWEN FINANCIAL SERVICES.
We have had our Mortgage through OCWEN FINANCIAL SERVICES for almost
6 years plus. We originally started with GMAC until they went bankrupt and sold our mortgage to OCWEN FINANCIAL SERVICES. We have had numerous problems with this company. ( too many to mention ) The complaint we would like to make today is the fact that OCWEN refuses to put my husband 's name on the mortgage, even though it was on it in the first place until they refinanced the mortgage. OWEN FINANCIAL SERVICES stated that my husband 's name could not be added because he was in a bankruptcy and the house was included in this bankruptcy. We have told them time after time that the house was NEVER-NEVER-NEVER in any bankruptcy. Our attorney wrote letters and called them saying that the house was NEVER in bankruptcy. Still OCWEN would not add my husband 's name to the mortgage. We would like this matter to be looked into and corrected so that my husband 's name is put in first place and then mine to follow. We want it this way so that his credit gets built up as he makes all of the payments. Right now he has a very low credit rating and it is because he is not getting the recognition of having paid this mortgage payment. Please try to remedy this situation as soon as possible.
Consumer complaint received 2021-02-08
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MD)

XXXX XXXX XXXX sent me a payment reminder notice datedXX/XX/XXXXstating that I missed my XXXX payment. I called the customer care number listed on the statement 7 times and was unable to get in contact with anyone about this. Their automated system states that the payment was processed on XX/XX/, my bank statement says it was processed on XX/XX/XXXX, but the letter that they sent states they did not receive the payment and charged a late fee to my account on XX/XX/XXXX. The payment was sent, received, and processed. I've repeatedly tried to contact them about this but the automated system they are using does not even have an option to speak to a customer service rep, or issues with payment processing. I would like them to correct their mistake about the missing payment, send me an updated statement indicating that they have received the payment ( their automated system says they received it on XX/XX/XXXX ), and remove the late payment fee from my account.
Consumer complaint received 2017-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (AZ)

I purchased the vehicle XX/XX/XXXX financed with XXXX XXXX XXXX. The loan was reflected on my credit report for approx 2 months. After being denied an new auto loan due to lack of Auto loan credit history I investigated. XXXX XXXX XXXX was not reporting my auto loan. They post on their company website they do and each customer service rep I spoke with stated they do. XX/XX/XXXX I called several times to their customer service, wrote to their credit dispute department several  times without any response. XX/XX/XXXX I wrote to their Corp office, which I revived a letter stating they made an error. XX/XX/XXXX and XX/XX/XXXX the loan was reflected on my report. XX/XX/XXXX I was notified my score dropped major points. After researching and reviewing the loan fell off all 3 major credit reporting agencies. I called XXXX 3 times without any resolution. I have had the auto loan since XX/XX/XXXX and as of today my fico score has dropped 15-20 points, I have been denied Credit, Autos loans, Job offers and rental homes due to their inaccuracy to report as they stated.
Consumer complaint received 2016-10-25
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I signed up for secured credit card with initial deposit of XXXX XXXX and XXXX XXXX and had to move to new address before I receive the card. Now the CapitalOne team is asking for written address for change of address and dispatch to new address which would take atleast a month to arrive in form of utility bill etc. When I requested for cancellation of application and refund of deposit, I was told that check would be mailed to address on file ( which would be old address and no longer valid ) after XXXX billing cycles. When I requested for refund by ACH transfer, I was put on hold and disconnected after waiting for 50 minutes. When I called again, I was informed that my account has been closed and check would be mailed to old address
Consumer complaint received 2022-04-01
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC (NY)

Debt collector called me. I informed her there was no way I owe anything to anyone. I reached out to all my debtors and XXXX XXXX XXXX XXXX last year. XXXX. secured all my credit reports. I completely paid off most and through XXXX. made arrangements to pay off the rest. My student loan arrangement was also handled directly with XXXX. The debt collector attempted to ask for last four of my social security number after I asked her what company or organization is saying that I owe a debt to them? She refused to provide me with an answer. I informed her that I used to work in debt collections for a major international bank and I am not nave to possible fraud and scams. I simply wanted to know what entity requested them to call me. She again asked me to verify my social security number. I told her I will report her company for possible fraud. I refused and she transferred me to a voice mail box of a guy ( supposedly ) named XXXX XXXX? Sounds kind of hokey to me? Radius Global Solutions should be able to answer such a simple question?
Consumer complaint received 2021-11-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: PNC Bank N.A. (AL)

I had an account with BBVA USA. PNC Bank bought BBVA USA, and their goal was to automatically convert all BBVA USA customers into PNC Bank customers. I do not want to be a customer of PNC Bank, so I waited for the documentation explaining how the acquisition would happen.

I received in the mail a document called " PNC Consumer Disclosures and Agreements '', which states on page 21 : " You don't need to sign this Agreement. When you sign the signature card, electronically acknowledge that you agree to the terms and conditions of the agreements provided on the " Terms and Conditions '' page of the online account application, use your account ( s ), or add/change services connected to your account, you are agreeing to the terms and conditions of this Agreement '' I also received in the mail a document called " PNC Business Disclosures and Agreements '', which states on page 14 : " You have agreed by signing the signature card and/or by using your account on or after the opening date '' So, I intentionally did not do any of the above, and the statement in the " PNC Business Disclosures and Agreements '' document is false. In fact, it could not possibly be true since the document was received prior to accounts at PNC Bank being opened the weekend of XX/XX/2021. 
Then, I began receiving letters in the mail about an account in my name at PNC Bank. I have called several times, and was never given an explanation as to how there is an account in my name at PNC Bank when I have never agreed to that. The latest representative that I spoke with on XX/XX/2021 actually confirmed that what happened with the accounts was specifically not in accordance with what I received in writing from PNC Bank. I asked, specifically, whether what happened is different from what I am reading in the document referenced above ( which I read aloud to him ), to which the representative answered, " Yes, that's correct. '' If I am unable to resolve this through the Consumer Financial Protection Bureau, then I will have to go to court to force PNC Bank to comply. I never agreed to an account with PNC Bank. They ask on the phone if I want to close my account, to which I answer that I do not have the authority to close any account at PNC Bank because I have never agreed to any terms or conditions for an account there, and that there should not exist an account at PNC Bank under my name. 
I have attempted to resolve this with PNC Bank directly for both a personal checking account and a business checking account, both of which were fraudulently assigned to me in PNC Bank 's attempt to " automatically '' acquire customers, regardless of their desire to have a financial relationship with PNC Bank.
Consumer complaint received 2021-02-08
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: CAPITAL ONE FINANCIAL CORPORATION (MN)

I paid a seller online with my Capital One Visa credit card. It turned out to be a fraud. The seller shipped fake shoes to me instead of the XXXX bag I paid {$2700.00} for. I find it appalling that XXXX could have refunded my money, but because of CAPITAL ONE and VISA, I am scammed out of {$2700.00} before they chose to side with the scammer instead of me, their customer. This is ridiculous. I am trying to recover my funds and Capital One has so far been no help. Attached, please find a response from XXXX. I am going to have to bring a lawyer in and continue this fight to get my money, if this is not resolved. I have lost all faith in Capital One and will be canceling my cards with them. Since they clearly can not have my back in a case of fraud, instead they chose to side with the scammer. Be wary of using your Capital One cards with online sellers. If things go wrong, Capital One will never protect you. I've reached out to XXXX on this and they referred me back to my card issuer.
Consumer complaint received 2018-01-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OR)

On XXXX/XXXX/XXXX {$4900.00} was removed from my USAA checking account without authorization. Someone called USAA on the phone & convinced them to send a cashier check to a person & place that I have never heard of. I have all of the specific info regarding who the check was made out to & the address the check was sent to. 

I & the others on this account spent much of XXXX/XXXX/XXXX on the phone with the bank that sent the check. They said they would try to get the money back but it is probably gone. There were also a couple other fees charged to us at the same time, for the unstoppable check & expedited mailing. 

I filed a police report. The money is still gone.
Consumer complaint received 2017-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Prosper Marketplace, Inc. (TN)

OnXX/XX/XXXX, I discovered credit item Prosper Marketplace account number XXXX had been re-inserted into my credit file. I disputed the tradeline with XXXX and on XX/XX/XXXX, the tradeline came back Verified as Accurate. Per the FCRA, XXXX is required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. As evidenced by my report datedXX/XX/XXXX, the Date Closed states XX/XX/XXXX and the estimated removal date states XX/XX/XXXX As evidenced by my report dated XX/XX/XXXX, the Prosper Marketplace tradeline is no longer listed. Now according to my report datedXX/XX/XXXX, the tradeline is listed with a Date Closed of XXXX/XXXX/XXXX and estimated removal date of XXXX. This item has resurfaced after the FCRA reporting period has expired so this item must be deleted.
Consumer complaint received 2023-02-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

A check from Social Security for XXXX XXXX was deposited into my CitizensBank account on XX/XX/XXXX. They also close my account the same day, but took their XXXX overdraft fee. Ive been trying since then to get the check sent back to me and or Social Security for days now every time I call, they tell me error on their end, they wont let me speak to a supervisor, so Im not sure what else to do. They took the XXXX but kept the remaining balance that was supposed to go into my account to ask if they can re-open the account and put the remaining balance in they told me 7 to 10 days and still nothing I called this morning and basically no answers
Consumer complaint received 2019-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

I have a repo with XXXX XXXX  that is not mine 3 collection accounts 18 inquiries that are not mine. I have written and callled and placed holds on my credit reports. There is even a bankruptcy on my reports. It has ruined my credit. Ive tried to call write and get the bureaus to fix it and they wont.
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

There are two incorrect addresses on my account. Looking at the report, it has the dates that I've lived at my real addresses as overlapping these fake addresses so it doesn't make any sense that it is even on there because I can't live two places at once. This is between XXXX and XXXX, and during that time a check was stolen from my apt complex and someone else 's phone number ended up on our bank. 
This showed up in an employment background check that I had when I got my new job last month.
Consumer complaint received 2018-01-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

The letter explains to the best of my ability what has been going on. 

I feel that I want any stollen moneies returned as well as the people that are doing this to me get prossacuted, and this to end completely for good.
Consumer complaint received 2017-12-03
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 (FL)

on XX/XX/XXXX. I found a phone payment on my bank of America I did not make. This happened after I was issued a new card because of breech ( happens frequently ).

I talked with several people before getting. round. it took several more calls to start a dispute. No one could explained how a phone payment was made on my account. 

I am waiting for the dispute process to be completed. 

On XX/XX/XXXX. I found another charge for return check fe, because I stopped the payment I did n't make. I had to call and get it reversed. 

Bank of America seems to try and charge customers any way they can.
Consumer complaint received 2022-11-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (OR)

On XXXX, I attempted to sign up for the company 's pay in XXXX payments service, supplied them with my legal name, date of birth, email address and phone number. I then confirmed that the address they were able to find for me was correct. I also used the XXXX XXXX to allow them to verify that information with my bank. After going through all of that, I saw that the methods the company used to collect payments were going to be more troublesome than I was willing to deal with, so I discontinued the process of signing up for their services without collecting any funds from them and without providing any further information. 

I then logged into my account using the account details ( email+password ) that I had used to set up the account. I attempted to close my account with them, but was unable to find an option anywhere. I went to the help page to try to find an account closure option but, after completing the wizard, was directed to call the support line for the company ( XXXX ). I called the company and attempted to have the account closed but the support staff stated that I would need to supply the last 4 digits of my social security to verify my identity. Since I had not, at any point, provided them with this information, I categorically refused. We went back and forth a bit while the agent stated that the only option provided in their system was to confirm my identity with the last 4 digits of my social security number, I asked to speak with their supervisor. I then went through the same process with their supervisor, informed them that I knew exactly what data I had provided them, and that XXXX had not provided them with my social, and that I was absolutely not going to provide even a single digit of my social security number to them and that all I want was my data removed from their servers. 

They stated that they could not. I asked to speak with their supervisor, they said that their supervisor does not take calls. I said that I understood and that they would need to escalate this support ticket to their supervisor. They said that they could not do that as that option was not available to them. I told them that they had a boss that they report to and that whoever that may be needs to be informed of this because this is absolutely unacceptable. They stated that they could not do so. I then told them that I would be taking additional measures using other means within the legal system to have my data deleted from their systems. I then informed the manager that I was not personally angry with her nor her subordinate, and that I understood they were just doing their job.
Consumer complaint received 2019-05-12
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: EQUIFAX, INC. (AL)

I have a repo with XXXX financial that is not mine 3 collection accounts 18 inquiries that are not mine. I have written and callled and placed holds on my credit reports. There is even a bankruptcy on my reports. It has ruined my credit. Ive tried to call write and get the bureaus to fix it and they wont.