davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: North American Credit Services (GA)

On XXXX/XXXX/XXXX I sent a letter Certified mail # ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX North American Credit Services for validation of debt and HIPPA authorization. 

I requested that North American Credit Services provide a breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

North American Credit Services have not complied with this request.
Consumer complaint received 2024-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ARVEST BANK GROUP, INC. (IL)

I have a large amount of money, a {$6000.00} deposit in a {$9000.00} deposit At arvest bank but they locked up my before I had, the deposited funds sent there and I cant get into my login and I called them XXXX weeks ago and told them how to get the money to me and I still dont have money I do not have any money. I cant get in to my online bank. I cant get access their automated bank to find out where my money went. Theyre holding A total of {$15000.00} that belongs to me, I cant live without that money any longer, I need it wired to me if they cant get it to me like I told them XXXX weeks ago I am devastated Financially and emotionally devastated they closed my accounts-for no reason and kept all of my money
Consumer complaint received 2017-10-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (ME)

Talked to XXXX XXXX/XXXX/XXXX Customer Service XXXX Spent XXXX hours at Branch at XXXX XXXX, XXXX NH XX/XX/XXXX, spoke to XXXX XXXX, Branch XXXX. He wrote the letter attached, and faxed all pertinent information to the mortgage department onXX/XX/XXXX Talked to XXXX, XXXX XXXX XXXX phone # XXXX on XX/XX/XXXXTalked to XXXX, XXXX Consumer XXXX, phone XXXX on XX/XX/XXXX Talked to XXXX XXXX, XXXX, phone XXXX on XX/XX/XXXX and again on XX/XX/XXXX when she conveniently passed the responsibility to XXXX of the XXXX XXXX, who is on vacation. 

I am the personal representative of my mother 's estate. I have a purchase and sales agreement for the sale of her house. The document in question dated XX/XX/XXXXwhich I have attached was paid in full in XX/XX/XXXX when Citizens Bank assigned the loan to XXXX Mortgage and did not discharge the loan.
Consumer complaint received 2017-10-06
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I am following up on a previous dispute. That concluded today. After I got all the information to validate this account, I called Portfolio Recovery Associates at and spoke with a representative name XXXX if I recall correctly. She was extremely rude. I called to ask her what were my options for a pay for deletion. She told me that she could not collect on this debt by accepting payment from me. She rudely continued to ask me about if I disputed my account and why did I say it was n't mine. I tried to calmly explain to her that I had sent a complaint via the CFPB but that had been resolved as of XXXX/XXXX/XXXX. She could n't even hear me because she was so busy talking over me. 
This is a formal complaint of how rude Portfolio Recovery Associates are and there unwillingness to take my payment. Her words where she could not accept payment from me. Since all calls are recorded and monitored, I am sure that you can listen to the calls and validate that the information I am providing is accurate and correct. 

If you need to contact me the best way is via XXXXXXXXXXXX
Consumer complaint received 2017-10-06
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

The deed to my property, XXXX XXXX XXXX XXXX, XXXX, XXXX was transferred and deeded to me in my divorce on XXXX XXXX, XXXX. My ex-husband took a HELOC in XXXX and paid off the HELOC for our divorce in XXXX but did not close the account. In XXXX, he took $ XXXX from the HELOC and stopped making payments in XXXX XXXX. The HELOC lien holder is Capital One ( COF ) and they scheduled my property for foreclosure/auction on XXXX/XXXX/XXXX. I was never notified by Capital One or their debt collector XXXX XXXX XXXX and found out about the foreclosure on XXXX from a realtor that left his business card in my front door asking me to call him. I went to XXXX & XXXX office in Va XXXX at XXXX on XXXX/XXXX/XXXX and they verified that COF was the lien holder. 

After numerous phone calls and telling COF that I would show up with the news media, my congressman and military support ( I 'm a veteran ), I was transferred to the office of the president and able to get the reinstatement fee amount on XXXX and following their instructions, I wired {$3600.00} on XXXX to COF. They received it on XXXX and on XXXX the foreclosure/auction was stopped. 

Ive been informed by COF that they will resume foreclosure action if they dont start receiving payments. 

I reported this to the XXXX, VA police department and they are working with the NC Attorney Generals office to determine which state should pursue fraud charges, as my ex-husband resides in NC. I also sent COF all of my legal documents pertaining to the property.
Consumer complaint received 2019-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

Please reverse the late payments reported on the following accounts : THE XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX ..The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with this company
Consumer complaint received 2019-05-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (MO)

Navient has continually harassed me since I finished my program. They call up to 8 times daily and when I've told them I need lower payments they say they can't help and have even made derogatory comments such as " well you signed up for financial aid and we can't help that you're divorced now ''. They are completely inflexible, aggressive, rude and harassing. I can not afford to keep them happy so I've considered changing my phone number. This company deserves to be sued into oblivion. It's a truly predatory company, if there's ever been one.  Students are better off without them and I regret using their services as I'm harassed daily.
Consumer complaint received 2017-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (GA)

There is no recording of my bank account for the beging opening XXXX XXXX at the end of the night XXXX I depsit XXXX at the XXXX branch somthing was wrong the ATM rate my XXXX. For XXXX the a button. ask did I wont my money back I pushed yes they gave me back XXXX I told the banker about the problem I was not clear on what he told me but he did n't. reimburse me I started. Putting. Money in the bank at night at the end of Ice Cream XXXX day {$100.00}. {$80.00} {$100.00} {$90.00} {$150.00} XXXX The {$40.00} dollars that was pending I didnt get The debit card I had only had XXXX dollars and I could not use It only my card keep decline. Every day XXXX next day XXXX next XXXX It stop at XXXX dollars I needed gas so I use it thay have no record of my account. Only XXXX/XXXX/XXXX to XXXX/XXXX/XXXX I did a lot of banking at XXXX XXXX The bank gave me {$170.00} dollars now the bank is asking for it back there more transactions at the west end branch
Consumer complaint received 2017-12-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NY)

I initiated 3 separate wire transfers with Coinbase ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) and none of these transfers were received on the dates promised. 

I opened several support tickets with the company and only one was responded to ( only once ) stating there was a bug with wire transfers and they were looking into the problem. In their support email, they told me : " If you dont see the funds within the next 2-3 business days, please let us know. Thank you for your understanding. '' I did not receive the funds in 2 - 3 business days ( it has been 6 days since they sent this email ). After 4 days passed, I responded to them explaining that I had not received the funds. They did not reply to me. 

I opened several other support tickets, but none were responded to. 

I also emailed the CEO 's public email twice requesting that my case not be ignored and have not received any word back. 

I 've also called my bank and asked if they saw any pending wire transfers on their side, but they did not.
Consumer complaint received 2019-05-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALCHRO INC. (FL)

FIRST FEDERAL CREDIT XXXX XXXX XXXX # XXXX XXXX, FL XXXX ( XXXX ) XXXX This alleged debt was paid to resolve this issue over a year ago. This company has continued to recollect the same debt and has not removed it from my credit report as agreed.
Consumer complaint received 2024-03-14
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (LA)

First, credit acceptance charges me {$20000.00} for a XXXX XXXX XXXX with 90,000 miles but told me otherwise while signing the contract. I had put down {$7000.00} as a down payment and was told my balance was about {$10000.00}. In the process of a week or two of having the vehicle I had major oil leaks and they took their time to try to solve the problem which they didn't sometimes my 30 days were up on to return the vehicle to get my money back or switch with another vehicle but it was the dealership. Credit Acceptance refused to help me with the problems even the temporary warranty but when I told Credit Acceptance about the problem the dealership told me it was going to cost me {$10000.00}. But still no help but anyway down the long, I was stuck with a vehicle whom I had to put oil in a vehicle every three days to four days a week the vehicle was vandalized in XXXX so my insurance company paid off what the vehicle is worth which was XXXX which was totaled out I'm outta vehicle and credit acceptance still have a balance of {$4000.00} and late payment when they supposed to pay off this vehicle. And off my credit!
Consumer complaint received 2017-10-07
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: CITIBANK, N.A. (GA)

This company ran a Hard Inquiry against my credit report without approval. I attempted to contact them and they did not respond to my communication attempts.This is negatively affecting my Credit Score and I would like it removed. 

Inquirer Name : CBNA Inquiry Date : XXXX XXXX, XXXX Business Type : Bank Credit Cards Contact Information : XXXX XXXX XXXX XXXX, SD XXXX
Consumer complaint received 2017-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BBVA FINANCIAL CORPORATION (FL)

charged me late fee on XXXX/XXXX/XXXX. Compass Bank advertises on their website their " dedication '' to their customers and forgiveness of late fees and a host of other lies from Compass bank. when i called them on XXXX/XXXX/XXXX because i had been displaced from my home due to XXXX XXXX, Compass customer service agent stated the he does not care and did not remove late fee. 

i imagine Compass Bank told many victims of XXXX XXXX similar brush offs when thousands of customers also called Compass asking them to make good on their promises. 

BBVA Compass bank is a no good dirty rotten bank.
Consumer complaint received 2017-12-01
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: JPMORGAN CHASE & CO. (GA)

I was wrongly charged by a merchant to my Chase Visa Credit card in the amount of {$5000.00}. When I realized about the issue, I contacted both the merchant ( XXXX XXXX XXXX ) and Chase at the same time. At first, Chase gave me a conditional credit of {$5000.00} while waiting for the merchant to respond. However, since I contacted the merchant at the same time I contacted Chase, the merchant did realize the error and refunded me {$5000.00}. So, between me and the merchant, the problem was resolved as there was no charge to either party. Chase, instead, realized both the conditional credit they gave me and at the same time the merchant did the refund credit on their own, so I had 2 credits at the same time. Chase should have removed their conditional credit upon receipt of the merchant 's refund credit. Instead, Chase removed both credits and told me I still owed the merchant {$5000.00} which is ridiculous and irresponsible. Chase should protect its client and must know its client has never used the card for an amount that is over {$1000.00} in a single purchase. Chase does not want to do its job and to check, verify, monitor, and protect its customer which is a sad thing. Again, its customer is a XXXX XXXX XXXX XXXX veteran. Many thanks.
Consumer complaint received 2017-10-07
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. (MD)

SECOND REQUEST : Refer to my prevoius complaint XXXX. 
I am requesting to have an incorrect address removed from my credit report. 

In XXXX XXXX, my then-husband, now ex-husband, XXXX XXXX XXXX moved out of the family home at XXXX XXXX XXXX XXXX, XXXX MD XXXX. At that time, we had a joint mortgage with XXXX XXXX. When XXXX XXXX changed his address with XXXX XXXX, XXXX XXXX mistakenly changed my address, as well. XXXX XXXX resided temporarily at : XXXX XXXX XXXX, Apartment XXXX, XXXX MD XXXX for the period approximately XXXX XXXX XXXX XXXX, before he relocated to North Carolina. At no time did I relocate from my home at XXXX XXXX XXXX XXXX, XXXX MD XXXX. I have resided at XXXX XXXX XXXX XXXX continuously from XXXX XXXX through the present. 
In XXXX XXXX, when I received written notification that XXXX XXXX had changed my address from XXXX XXXX XXXX XXXX, XXXX, MD to XXXX XXXX XXXX, XXXX MD, I ( 1 ) immediately notified XXXX XXXX of their error and ( 2 ) requested that my address be corrected to : XXXX XXXX XXXX XXXX, XXXX MD. XXXX XXXX has a record of that telephone call, as it took place on a XXXX XXXX recorded line. 
Pursuant to the Martial Settlement Agreement and divorce, the XXXX XXXX ( joint ) mortgage was retired in XXXX XXXX ; I obtained a new XXXX XXXX ( individual ) mortgage. 

** Please remove address : XXXX XXXX XXXX, Apartment XXXX, XXXX MD XXXX from my credit report. **
Consumer complaint received 2015-05-21
Product: Debt collection — Auto
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc. (PA)

Commonwealth Financial Systems agreed to settle a {$4000.00} debt for {$2000.00} if I set up automatic debit from my bank account for {$100.00} a month. They also agreed that while in good standing they would remove this negative line from my credit report. After 2 months of paying I called because I never received official notification of the agreement. I asked for an official statement or letter and they said they could n't send XXXX. At that point I said I wanted to stop all payments until an official letter was delivered and they said ok. The next month they took the money out again and I called and said " I am not authorizing you to take money anymore please stop. And they continue to take {$100.00} out of my account every month. I do n't know what to do because they wo n't stop taking the money after I asked them multiple times to stop until the agreement could be official. My bank said they can not stop the automatic withdrawal and Commonwealth Financial Systems will not adhere to my demand to stop taking the money.
Consumer complaint received 2024-03-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Coinbase, Inc. (NC)

approximately XX/XX/XXXX or so I began working with cryptocurrency and chose to use Coinbase as my exchange and custodian for my purchases. Later I decided to self custody my cryptocurrency but when I tried to transfer my assets to a cold storage wallet Coinbase has blocked my ability to withdrawal / transfer my assets. i have been trying for 10 days to work with them and file a case, escalate, and file a complaint. am not able to get my assets and continue to get the run around from Coinbase. There are more stories like mine as I found on reddit as well. I believe Coinbases actions to be fraudulent, unethical and are acting in bad faith. 

Also their exchange has gone down during key trading period leaving them unreliable during peak times when it could matter losing or gaining money. I want to retrieve my assets and move away from them as soon as possible and self custody my crypto assets. 

Basically I feel that Coinbase is holding my crypto hostage and will explain why or how to resolve this.
Consumer complaint received 2017-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I 've disputed a XXXX XXXX account with XXXX and Experian multiple times without any results except that they keep verifying that the inaccurate information is correct. I opened a XXXX XXXX XXXX Account with XXXX XXXX XXXX. This account was charged off ; however, XXXX XXXX purchased XXXX XXXX XXXX XXXX. This change occurred back in 2012 ; however, XXXX continues to list XXXX XXXX XXXX XXXX as the original creditor. Once XXXX XXXX took over the accounts all accounts were closed and listed as XXXX account. This account was listed as XXXX when charged off and this is how it should be properly listed on my account. I have disputed this with XXXX XXXX and XXXX and Experian. XXXX and Experian continues to verify inaccurate information. I would like to see how this information is being validated for a company that did not charge off this account.
Consumer complaint received 2019-05-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc (GA)

this compny is in violation of fcra policy by having no signed contracts and no proper debt validation per section 609 upon attempting to resolve this matter i was told i would be given this which was never done and shortly after was called and harrassed and even called a derogatory term for requesting proper debt validation ive also attempted to pay the original creditor several times in which i was denied the ability to pay
Consumer complaint received 2024-03-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (OH)

Upon checking my credit score from multiple credit bureaus, realized that midland credit XXXX was affecting my score. Debt amount of XXXX. I have tried to communicate with XXXX party to remove collection /debt off my record. With every contact they get more of my personal information to back up the bad debt collection strategy. Asked for Verification of contract in regard to Midland Credit Management and myself. This was not provided. I am not responsible/ liable for this debt with this debt collector. I have no knowledge of this account. Multiple violations have been made according to law by Midland in the pursuit of debt not owed by me. I ask that this debt be removed/deleted from my credit report.
Consumer complaint received 2022-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the accounts, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the accounts listed below : XXXX XXXX XXXX .... Late Dates XXXX, XXXX/XXXX XXXX .... Late Dates XXXX, XXXX XXXX XXXX XXXX XXXX... XXXXLate Dates XXXX, XXXX XXXX XXXX XXXX Late Dates XXXX, XXXX XXXX XXXX XXXX XXXX .... Late Dates XXXX
Consumer complaint received 2021-10-04
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: LEXISNEXIS (OH)

LexisNexis searched for negative information pertaining to me which is an invasion of my right to privacy. This company did not have permissible purpose or my written consent to search for negative information pertaining to me.