davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-31
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

This issue is with Coinbase.com. About 4 weeks ago I was prompted to enter my username and password and message said wrong username or password. I verified that I put in the correct credentials. I tried this from my phone, from my computer and different browsers and also cleared browsers cache. When I clicked on " Forgot Password '' I never receive an email to reset the password. 
Coinbase does not have a support number. I tried opening multiple tickets, also tried contacting them social media sites with no response. 2 weeks ago friend suggested I open a ticket and threaten to file a complaint with consumerfinance.gov. I finally got a response. It was a template response that did not address my issue but it was at least a response. I replied back for more assistance and coinbase said they will look into it. I emailed for an update 2 days ago. I have not heard back since. 
I also disabled my account just to be safe using their only number XXXX XXXX XXXX XXXX they had but its not for support. Its an automated system. 
There is over $ XXXX of my funds tied up in my account. All I am asking is give me my access which should be a simple fix. 
Someone at coinbase should at least respond and give me an update. 4 weeks without a resolution or update is not acceptable. I feel like I am getting scammed. I don't even know if my account is compromised. 
Please help! 

This is my Coinbase case number Case # XXXX
Consumer complaint received 2017-06-08
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

Hello - This complaint is against  Fifth   Third  Bank. This complaint is in regards to unfair business practices under the fair credit reporting act. This complaint is also in regards to fifth third bank engaging in unfair treatment and practices against minorities. In the past fifth third bank has been ordered to pay over  XXXX  for lending violations. While, this is not a lending violation it is a matter of fairness.     Fifth third bank accessed a 30 day late notice to my mortgage account after there was a mix-up regarding setting up automatic bill pay. Because there was confusion in the past, I was under the assumption that automatic bill pay was setup and there were no issues. However, that was n't the case. On  XXXX   XXXX ,   XXXX  , I call regarding the account and was informed I was 30 days late. I immediately paid the account and begin to investigate. The facts are ; 1. On  XXXX   XXXX    XXXX   - The fifth third agent said on a recorded line that the bank did not have a number to call me. She took my information and said she would update my file.   2. Fifth third bank never called me during the 30 days of  XXXX  to let me know the account was behind.   3. Fifth third bank send  1  letter - because I travel weekly, I did not receive the letter. Which is why a call or having bill bank established is critical 4. Fifth third bank indicated in written communication that they never called me 5. Fifth third bank called me regarding my loan for the first time in almost  XXXX  years on  XXXX / XXXX /  XXXX  . This is no coincidence.   6. The rep from fifth third bank stated that the late date could not be removed because it 's accurate and the bank made no mistake. However, that statement is false, according the fair credit act, a lender can correct or delete negative information reported.     I 'm asking that the 30 day late date be removed due to the following ; 1. Inaccurate information given to the consumer 2. Fifth third bank failed to call me regarding my mortgage. While they may not have to call, it 's the right and FAIR thing to do to keep customers from getting behind. Because the bank indicated I never received a call, I 'm asking that the bank assume responsibility for not doing all they could to protect me.   3. There was clearly a mis-communication between myself and fifth third bank regarding the automatic bill pay.
Consumer complaint received 2023-01-27
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. (NJ)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Equifax on XX/XX/2023, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2017-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: AMERICAN EXPRESS COMPANY (MT)

Complaint about  American Express  :  1.  Have formerly been a  XXXX   XXXX   XXXX   XXXX  with {$20000.00} credit limit for 15 years.   2. Applied for a  XXXX   XXXX   XXXX  gold card with an offer of  XXXX  fee miles.   3. Airport agent applied for card using my first and middle name rather than my first and last name.   4. Card arrived with wrong name.   5. I immediately called " Customer Care '' at Amex. Took  35  minutes trying to do name change over related to the new card over the phone and was not successful. Amex sent me an email link to submit drivers license on line. After successful submission on-line, I never received confirmation.   6. After a week elapsed I recalled customer service number on the back of the card. No record of submission of name change was found by another on-line representative. I continue to receive mail from  Amex  for the unusable credit card. In another  35  minute call  AmerEx  now claims the on-line name change does process does not actually work and that they will send name change by mail. No electronic confirmation of this mailing was received as promised.   7. Amex would not allow me to speak to a supervisor. There is no on-line information about how to file a complaint. I feel completely adrift, but have stayed with the name change process only to see how abysmal  Amex  has become as a company. Time for new corporate management.
Consumer complaint received 2017-06-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have been writing letters to this comp any for more than two ye ars. I 've made several request for this company to investigate, re-investigate, requested copies of their INVESTIGATION PROCEDURES, including but not limited to how they did their investigation and copies of documents used in their investigation to determine the accuracy and validity of each account information they reported. I questioned how they STORE FILES as FCRA clearly stipulates that these FILES must be sent to consumers upon request and these files are to be stored by the bureaus whether physical or electronically. I also question why the agreement between the bureaus and Attorney General  XXXX   XXXX  are still not in place even   though TWO YEARS has already passed.
<P/>
Alll I received from this company is an obvious computer generated generic response letters. Nothing done by a real human. no files docum  ents. Nothing at all.
Consumer complaint received 2024-05-14
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (IN)

I responded to a Discover card with a balance transfer promotion in XX/XX/XXXX. I logged in to make payments and it always showed nothing due. I saw a paper bill this month XX/XX/XXXX, only to find out that the account I opened was not on my user login. I tried to add it and the system told me already registered. I had to go to the Discover website and use the forgot user login to get into the system for the card with the balance transfer. I made payment in full once I had access. I also found that I was charged {$150.00} in late fees. I also setup automatic payment for the card on the other user login.
Consumer complaint received 2021-06-09
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. (AR)

I disputed a wrong collection item on my Experian credit report. Experian wrongly placed that the collections item was discharged through bankruptcy, this item was post bankruptcy and I was not responsible for the collections item. I called to have it corrected, I spoke to several different people, they investigated and it came back with no changes on my credit report. It still says discharged through bankruptcy. My family is trying to refinance our home and this is the only credit bureau that is showing almost 100 points less then the others due to this mishap. Its very frustrating!
Consumer complaint received 2017-06-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been writing letters to this company for more  than two years. I 've made several request for this company to investigate, re-investigate, requested copies of their INVESTIGATION PROCEDURES, including but not limited to how they did their investigation an d copies of documents used in their investigation to determine the accuracy and validity of each account information they reported. I questioned how they STORE FILES as FCRA clearly stipulates that these FILES must be sent to consumers upon request and these files are to be stored by the bureaus whether physical or electronically. I also question why the agreement between the bureaus and Attorney General  XXXX   XXXX  are still not in place even thou  gh TWO YEARS has already passed.
<P/>
Alll I received from this compa  ny is an obvious computer generated generic response letters. Nothing done by a real human. no files documents. Nothing at all.
Consumer complaint received 2021-06-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CT)

On XX/XX/2021, I sent money to my sister in XXXX but it didnt go through so I tried to get a refund. Money gram is not allowing me to get my refund even though I called their number.
Consumer complaint received 2017-06-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (MI)

I 'm learning that XXXX XXXX XXXX got on my registered deed action chain on XX/XX/XXXXMortgage fraud was record XX/XX/XXXX. I were scammed out of my house by XXXX XXXX XX/XX/XXXX. He claims he made a bank buy from XXXX XXXX  Please present in writing to the CFPB what role did XXXX XXXX XXXX play in this transaction. <P/>Please refer to the XX/XX/XXXX letter from the OCC case XXXX.
Consumer complaint received 2017-06-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Franklin Collection Service, Inc. (OH)

I recievely had my credit pulled, and was informed that I had collection with Franklin Collection Services for an    XXXX   account that I never had. I never recieved anything from  Franklin Collection  regarding the debt, verifying the debt or proving the debt was mine.
Consumer complaint received 2021-06-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (NY)

On XX/XX/2021 I was contacted by my employer in regards to my earnings being garnished due to a collection of {$1300.00} owed to Midland. This claim was settlled years ago and cleared off my credit reports. I was not told about this until now since a XXXX contacted my employer. I spoke to all 3 credit bureaus and they have no debt in collection with Midland. I am being threatened to have my earnings garnished with no attempt to being reached personally. This claim has been settled years ago.
Consumer complaint received 2017-06-08
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: CIT BANK, NATIONAL ASSOCIATION (CA)

I am requesting assistance for a distraught family that would like to prevent a foreclosure on the Deceased owner 's property that was left to her son.     The property has a Reverse Mortgage wit h Financial Freedom LLC, a CIT  company.  <P/> We are in the " grace period '', and have an offer from the Grandson of the deceased to be able to keep the home in the family. I have requested a postponement, however, now I am being  told that we need Proof of Funds to po stpone or a loan approval.  <P/> The buyer/Grandson is in the midst of obtaining the loan. Initially the representatives advised that as long as we had an offer and working towards the purchase that we would be able to obtain a postponement. We understood that it would not be for months, but enough to allow us to complete the purchase and avoid a foreclosure.  <P/> Our concern is that since there is equity in the property, the lender  may not care  to allow the postponement. The representatives initially advised that we could submit the offer showing that there was a bona fide offer so that the lender would allow the postponement. I sent the offer several times and tried to no avail reach someone at  Freedom/CIT Company  only to be told last week that we needed to have proof of funds or a loan approval. I advised that we were in the process of the loan and that is why we need the postponement, so that the loan approval would be finalized.  <P/> I was finally able to get a hold of a representative at the bank and I was informed that they had received the offer on XX/XX/XXXX  and proceeded to review the offer as a short sale. I advised that it was not a short sale, that it was a standard offer as there is equity. Apparently the " short sale '' was denied, so now that does not help us since there is a denial in their system. Neither the Successor Trustee/Son of the deceased received nor myself, received notification of any sort advising of what had transpired on their end.  <P/> That is another issue that we have been facing, it is very difficult to get through and have to wait for the representatives to call when they are available. I also called the  Attorneys handling t he foreclosure process and they too advised they have had issues getting through to them.  <P/> The family would like assistance from FHA/HUD as well since it is an FHA loan to be able to receive a postponement as the lender representatives mentioned that they are following FHA guidelines which would seem contrary to FHA/HUD wanting to foreclose when we just need at most a  30 to 45 day po stponement. I understand that FHA/HUD from many of the advocacy groups I belong to, that they are here to prevent a foreclosure.  <P/> The reason for the delay in closing was that the buyer had a lien that show up that should not have and it had to be resolved. This issue has now been resolved.  <P/> I appreciate your assistance in this matter in preventing a foreclosure and assisting the family keep the long time home remain in the family patrimony.
Consumer complaint received 2024-01-23
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: Experian Information Solutions Inc. (IL)

I am formally requesting this letter to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act
Consumer complaint received 2017-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NM)

It has only been a few years since XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX ; and XXXX XXXX agreed to not conduct any further fraud upon the public. Seven months ago our credit card was ordered to be closed and the balance was paid, in full as agreed upon. However, in XX/XX/XXXX of this year XXXX XXXX XXXX began billing on the behalf of XXXX XXXX and XXXX XXXX XXXX XXXX XXXX for a renewal fee. I was out of the country and did not see the four months of billings with finance charges in our mail. XXXX XXXX was immediately contact and ordered to withdraw any negative reports to all three credit bureaus ; immediately cancel any further billing and finance charges on a card that was no long open and useable ; immediately send a letter of apology from all three corporate offices. The only order completed was the discontinued billing and removal of any charges. The company continued to report adverse credit to all three agencies. XXXX XXXX has on occasion refused to answer phone calls transferred to a supervisor. We feel these companies should be prosecuted criminally. Be advised we did not authorize electronic billing at any time. Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX Last four numbers on the account : XXXX
Consumer complaint received 2017-04-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (MO)

In previous contact with our mortgage lender Beneficial/XXXX, we learned while attempting to Refinance to a lower rate with other lenders. This evidently put me in a tailspin with them because even after contact their CS Representatives and going through a series of questions name, address, ss #, loan #, date of birth, and any other question to verify my identity Beneficial still as of today wo n't give myself or County Recorder of Deeds, for the State of Missouri , County of XXXX, a lien release after they transferred then sold our mortgage paperwork to another XXXX. Whether they work with or are in each others pocket l ca n't seemingly get a square or complete response out of either that is similar or comparable to one another for example an accurate payoff of now our mortgage. A note to mention before selling off our mortgage paper work they did however raise my payments now XXXX dollars + each month, which the other lender has conflicting statements but also has kept the higher payment scale to base their findings for predatory lending practices just like predecessors. Those are their likenesses as being one of the same.
Consumer complaint received 2023-02-15
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. (MI)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-06-08
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: U.S. BANCORP (AZ)

Received a cash back rewards offer fro m US Ba nk. Open a    XXXX   XXXX   XXXX   XXXX     account, spend {$4500.00} in 150 days and receive a {$500.00} credit. I applied for the cards, received and activated i t XX/XX/XXXX . The y also solicited me to get additional cards so I directed them to sen d one for my  wife which arrived several weeks later. The structure of their billing is I have  XXXX  account number, receive d one monthly b ill and that bill contained detail for the  XXXX  cards received ; each card had a separate number which was different from the master account number. My first  five statements, which would cover the promotional period, showed a total of {$5000.00} spent.    When I inquired as to my credit I was told I did not qualify because the billing was on  XXXX  cards and a   XXXX   card needed to have {$4500.00} in billing (  XXXX  card had approx {$4100. 00} ).   <P/> Reviewing the offer, under a " ** '' small print section at the bottom it says : " {$500.00} cash back will be credited to your Account if you are approved ... .. and after eligible net purchases totaling {$4500.00} or more are made to your Account within the first 150 days of Account opening. '' At the very bottom of the paragraph it adds " Spend on multiple car ds may not b e combined to meet the requirement '' which is their basis on denying my credit.  <P/> I feel this last line is both not clearly obvious to the consumer and subject to interpretation. It does n't say multiple cards on  XXXX  account ; could be referring to multiple accounts for example where the first section clearly states the reward is based on spending on the Account.  One b ill,  XXXX  Account, and clearly more than the required amount was spent.   I 've spoken to their Customer service dept twice, the last time  on XX/XX/XXXX   with a Supervisor named  XXXX .