davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-30
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: NCB Management Services Inc. (ID)

Ive spoken to An agent with NCB Management 3 or more times. Ive made arrangements to pay the debt once a month until the balance is paid in full. I made a payment at the beginning of XXXX. The agent called me at the end of XXXX to tell me that my account is on non-payment status. How can my account be in non-payment status when I just made a payment? I told her I get paid once a month, and will pay the balance down monthly until the balance is paid in full. There really is no need for her to keep contacting me. All of our conversations are redundant ; there is nothing we can talk about on the next call that we havent talked about on the last few calls.
Consumer complaint received 2022-06-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Abra ()

Hi, I have been using Abra XXXX, which is a cryptocurrency exchange mobile wallet https : XXXX From XX/XX/XXXX they will disable withdrawals of the XXXX token, these XXXX tokens were earnt on the platform through Yield, Swaps, Purchases or Referrals. 

They have also disabled swaps before this date on the platform. 

It's currently only possible to sell these tokens on another platform, which is currently in the process of also delisting XXXX 

Abra has also recently increased the withdrawal fees to XXXX which at the current price is {$18.00} after the price has collapsed significantly since the announcement. 

Then there is a XXXX withdrawal fee. 

So it's currently not possible to withdraw for lower balances. 

I'm also still owed rewards, the last email I have had from Abra is that they were to payout these rewards at XXXX which at the time of writing is significantly above the current market price and withdrawals/swaps will be frozen indefinitely as per there email. 

So between me and my wife we had over $ XXXX in XXXX now worth much less due to Abra 's poor management. Swaps have been disabled ever since we received the coins.
Consumer complaint received 2024-03-04
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Shellpoint Partners, LLC (OR)

I am a XXXX XXXX XXXX veteran. Last year, I received a XXXX diagnosis forcing me to step down from my job, so I listed my house for sale because I would no longer be able to make payments sustainably. 

On XX/XX/2024, with my realtor present, XXXX XXXX ( XXXX ), I called Newrez LLC, the lender who holds my mortgage... for instructions and paperwork to initiate a purchase assumption sale to prospective buyers. That evening, a representative of Newrez emailed me forms to complete, which I did jointly with the buyers. 

On XX/XX/2024 my house went under contract for a purchase assumption by XXXX and XXXX XXXX ( retired XXXX XXXX veterans ) in XXXX, WY. XXXX XXXX submitted our documents electronically that same day. And I called frequently for updates, on XXXX XXXX, XXXX, XXXX, and on XXXX XXXX. 

Newrez agents refused to confirm receipt of our documents, my realtor and I sent a physical copy of the paperwork in via certified mail. After three weeks, on XXXX XXXX, a representative of Newrez contacted me by email to inform me that they had provided us the wrong forms and we must restart the process. Frustrated, that's exactly what I and the buyers did. 

I am writing to complain that Newrez ( and/or Shellpoint Mortgage ) behaves with willful negligence in bad faith towards borrowers trying to sell their homes via purchase assumption. I believe the lender is dragging its feet to complete this purchase assumption sale on my house. They would rather repossess my home and resell it for all its accumulated equity at a higher interest rate with initiation fees than to complete this assumption process with myself and the veteran buyers. Why maintain a 2.25 % interest mortgage when they can take the house for themselves and then resell it at 7 % interest? I am being bankrupted during the waiting process. 

I am asking for your help/intervention in this matter to step in and enforce good-faith accountability. My scheduled close date is XX/XX/2024. Please compel Newrez to process this assumption sale. I have notified repeatedly what is going on and my wishes, by phone and in writing. They are slow to respond, if they respond at all. They stated assumptions can take 30-60 to process. The home went under contract and we submitted our documents on XX/XX/2024. They were negligent in providing us correct forms and stonewall us at nearly every turn, or provide conflicting reports of information when asked for updates. Though requested, I have not been provided a point of contact within their assumptions department. All I have heard is " your case has been assigned to a loan officer. ''
Consumer complaint received 2024-03-04
Product: Credit 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: Synovus Bank (CO)

On XX/XX/XXXX a fraudulent charge for {$170.00} was made ( Merchant= " XXXX XXXX '' XXXX on my First Progress Card. 

On XX/XX/XXXX the First Progress Dispute Department ( FPDD ) was notified of this fraudulent charge. 

On XX/XX/XXXX the XXXX initiated an investigation and sent a letter documenting case and indicating disputed amount and any related charges or fees would not be calculated in my amount due. 

On XX/XX/XXXX a letter from XXXX XXXX XXXX ( Customer Service ) indicated that a review of my account reflected the information is accurate amd does not reflect a bank error. First Progress apologies that they could not provide me with further assistance. 

XX/XX/XXXX = Negative information submitted to Credit Bureaus causing Credit Score to go down. This was caused by late payments and balance since I didn't pay the fraudulent charges while they were investigating ( eventhough their dispute department told me I didn't have to ).
Consumer complaint received 2022-06-17
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: Experian Information Solutions Inc. (MS)

In Accordance with the fair credit reporting act XXXX  account number - XXXX account name XXXX XXXX XXXX XXXX XXXX XXXX account name XXXX XXXX - XXXX account name XXXX XXXX XXXX Has violated my rights. 

15 us.c 1681 section 602 A. States I have the rights to privacy 15 u.s.c 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I request that you provide a copy of the contract or agreement bearing my signature with your company, as required by law, to prove that I have a legal obligation to pay this debt. Please note that a photocopy or electronic version of the agreement will not suffice ; I require a contract with a wet ink signature. 

Until you have provided the requested information and validated this debt, I am exercising my rights under the FDCPA to dispute the debt and request that you cease all collection activities. 

Please respond to this request within 10 days of receipt. If you fail to provide the requested information, I will consider the debt to be invalid, and you must cease all collection efforts and remove any negative reporting from my credit file. 

Failure to address these concerns promptly may necessitate further legal action to protect my consumer rights.
Consumer complaint received 2020-05-20
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. (TX)

Credit reporting agencies are reporting inaccurate and unsubstantiated information on my credit report. They are reporting a bankruptcy which is inaccurate and unsubstantiated. I would like to know who provided any information of a bankruptcy. I have a letter from the bankruptcy court stating that they do not provide any information to any credit reporting agency regarding bankruptcies. I demand that Transunion, XXXX, XXXX  and XXXX XXXX provide the name, date and contact information of the individual who was spoken to and if they don't provide this information, they must remove this information from my report. This is a clear violation of 15 USC 1692 and 15 USC 1681.
Consumer complaint received 2023-05-14
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: SYNCHRONY FINANCIAL (NJ)

On XX/XX/XXXX, I was notified by Synchrony Bank that my suspicious transactions in XXXX and XXXX were made on my Venmo credit card. At that point, I had not even activated my physical credit card. 
The obvious problem is my virtual card number was stolen. They notified me of the fraudulent charges and told me that I would not be responsible for those charges. I was also told that I would not be charged late fees and I would be temporarily issued a credit for the disputed amount. 
Recently I noticed that Synchrony Bank charged me a late fee of {$30.00}. They sent a notification for missing payment. I was surprised because I haven't even used this credit card. I was not expecting any charges on it. Upon further inspection, Synchrony Bank did not issue a temporary credit for the disputed amounts. They did not do what they told me they would do in the letter. I was told that I am not responsible for the charges on my Venmo Credit Card because they are fraudulent.
Consumer complaint received 2024-03-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Fay Servicing, LLC (TN)

I sent XXXX to Fay Servicing to stop the foreclosure of my home on XX/XX/XXXX. I owed XXXX in XXXX. When they started the foreclousure. There was a holiday weekend when money was sent XX/XX/XXXX so we also emaild the wire to show proof to XXXX an employee who then confirmed he did recive the email. I made multiple calls ..very hard to get someone to return your calls. Tuesday I spoke to someone mid day. I told him my information and when i gave him my address he said which unit??? And i replied and he goes oh that's why your mail has been getting returned. THEN he said their team was working on it the amount maybe something wasn't right I needed to call back. I explained that I was told to send the amount he said I just needed to call back later... I recieved a phone call at XXXX Immediately return phone call. But it took a few times to get through to somebody and I was told that I did not send enough money i was XXXX short and there was nothing i could do to stop the sale now except call their lawers. Which I did and had the same issues trying to get a person there. ( My lawyer tried too ) I went to the sale with cash to pay what was needed and they wouldn't stop due to Fay Servicing not informing them I was trying to pay or that iI had sent the money but because i was told the wrong amount. The sale went through for over twice what iI owed.
Consumer complaint received 2024-03-04
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CarMax, Inc. (SC)

Subject : Letter of Intent to Recover Loss Under 12 CFR 1002 and CFPB Regulations I am writing to express my intent to recover losses incurred due to the, cancellation, or otherwise adverse actions taken in relation to accessing credit, pursuant to the provisions outlined in the Consumer Financial Protection Bureau ( CFPB ) regulations and 12 CFR 1002, among others.

As you are aware, 12 CFR 1002, known as Regulation B, is issued by the Bureau of Consumer Financial Protection ( Bureau ) to promote the availability of credit to all creditworthy applicants without discrimination based on various protected factors. It is my firm belief that recent events involving the denial or termination of credit access have violated these regulations and denied me the right to fair credit. 

In accordance with these regulations, I hereby request the following : 1. Provision of Forms C-1 through C-10 : I request that your organization provide the necessary forms, as mandated by regulations, in any termination, cancellation, or other actions taken regarding access to credit or termination of any account.

2. Disclosure of Reasons for Denial or Termination : I seek a detailed explanation for the denial, cancellation, or adverse action taken against my access to credit. It is imperative that any bias decisions or discriminatory practices be identified and addressed accordingly.

3. Settlement of Losses : I admit to experiencing financial losses as a result of these adverse actions, which I estimate at {$33000.00} or more. I am willing to engage in settlement negotiations to resolve this matter amicably and promptly.

4. Access to Original Instruments : Furthermore, I request access to the original instruments, whether digital or handwritten, pertaining to my credit applications or accounts. This includes any special, anomalous, conditional, or anomalous endorsements that may have been established. 
I trust that your organization will handle this matter with the utmost seriousness and compliance with applicable regulations. It is essential to uphold the principles of fair credit and nondiscrimination to ensure equal access to financial opportunities for all individuals. 

Please acknowledge receipt of this letter at your earliest convenience and provide a timeline for addressing the outlined requests. Should you require any further information or clarification, please do not hesitate to contact me directly at the provided contact information. 

Thank you for your attention to this matter. I look forward to a swift resolution and the restoration of my rights to fair credit access. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Payward Ventures Inc. dba Kraken ()

Good morning I have XXXX stored in XXXX. 

The last XXXX XXXXXX/XX/XXXX the company Blocked my XXXX  account without giving any explanation. 

I tried to spike with XXXX by E-mail but they don't answer my questions. 


Best Regards
Consumer complaint received 2023-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (DE)

My mother is an AU on a credit card account with my father as a primary. My parents used the same login to USAA their entire lives. My mother attempted to pay for a funeral on the USAA credit card days after my father passed away, a credit card she has used for years. When she called USAA to unblock the charge, they asked why a funeral home and she said because her husband passed away. USAA immediately locked the account and the online login she has used for years. They told her if she wanted to pay for the funeral she could apply for her credit card, from her own newly created account. 

Over an hour on the phone and making my mom cry, she now has no way to pay for the funeral for my father and lost all pre loaded bill payments, and access to the connected XXXX account.
Consumer complaint received 2021-10-07
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: EQUIFAX, INC. (GA)

XX/XX/2021 XXXX XXXX XXXX and Equifax information services committed these following violations below 18 USC 1341-Frauds & Swindles 15 USC 1681m-Requirements on users of consumer rights 15 USC 1681q-obtaining information under false pretenses 15 USC 1681d-disclosure of investigative consumer reports 12 USC 5512-Rule making authority 15 USC 1637-opened consumer credit plans 15 USC 1666a- Regulations of credit reports ( Consumers have a 100 % right to privacy ) 26 USC 6304- Fair tax collection practices 15 USC 1692- communication in connection with debt collection Question why are debt collectors attempting to communicate with me?
Consumer complaint received 2024-03-04
Product: Credit 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: GOLDMAN SACHS BANK USA (TX)

On XX/XX/XXXX I submitted a transaction dispute for {$260.00}. Provisional credit was applied and the dispute was eventually closed. Eventually, on XX/XX/XXXX I closed this account. Today, XX/XX/XXXX ( nearly 2 years later ), I received a statement requesting payment for {$9.00}. I contacted the company via live chat and was told this is in relation to the dispute for {$260.00} that the agent stated was not resolved in my favor. Per the Fair Credit Billing Act, the card issuer has only 90 days to research and resolve the dispute. This is far outside of this period and the amount does not even match what was originally disputed.
Consumer complaint received 2022-06-17
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-02-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (NJ)

I am XXXX XXXX XXXX, I passed out and could not make It to work so I was fired. While I was trying to look for work covid happened. I was on forbearance for XXXX because of my health and I am a single mother. I work in the health section so I was really scared to step out. I was married but he never paid a dime in my house. He was on the mortgage. I needed is signature for partial modification but he refuse to sign it. I filed for divorce he claimed he wanted my house to be foreclosed. He did everything and still doing so I can lose my house. I took him to court the judge awarded the house to me and gave me 1 year to remove his name. My credit is very bad at the moment because of all the late payment. I am back to work now but I still needed assistance to save my home because it in foreclose with the bank.
Consumer complaint received 2022-06-17
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX  # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-03-04
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA (VA)

I submitted written direction to close my CD on the maturity date ( a Friday ) and send the funds to a designated credit union. Marcus did not send the funds as requested. 
I called Marcus on Saturday and asked why they had not complied with my written directions. I was informed that a " restriction '' had been placed on my account. I had not been contacted about any restriction! I was asked if I really wanted the funds sent to the designated credit union-I replied of course! i was then informed the restriction had been lifted. 
I stated that I did not want anything to happen to my funds until I had an opportunity to discuss wiring the funds to the credit union on the following Monday. I was told OK. 
On Monday morning I called Marcusand was told that the funds had been sent by XXXX to the designated credit union that Monday. 
I explained that my direction about the funds had been ignored by Marcus twice-once when the funds were not transferred on the maturity date and once when my Saturday direction to not do anything with the funds until I could speak to Marcus on Monday about wiring the funds. 
I asked Marcus to withdraw the ACH transfer and instead, wire the funds so I could ensure receipt by the designated credit union the same dayI I was told there was nothing that Marcus would do-that Marcus had complied with my original wishes even though they had not complied twice since ignoring my original direction!

I stated that Marcus clearly did not listen to their clients, ignored their clients wishes and would not fix their mistakes! 
I asked for the name and address of the Marcus CEO and was told they would not release that information-icing on the cake!
Consumer complaint received 2022-06-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

Account XXXX has been disputed as fraudulent information is being reported, I have contacted XXXX multiple times as they have failed to provide me with documentation or written verification concerning this account. XXXX is reporting this account as open since XX/XX/XXXX, Equifax reported this account open as of XX/XX/XXXX, and XXXX has failed to provide any payment history. 

I have requested and demanded validation on multiple occasions and they have failed to provide me with proof of the debt. Please see below for the dates I have submitted a proper investigation. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX