davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-04
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: SYNCHRONY FINANCIAL (NJ)

On XXXX XXXX I thought I was calling the XXXX XXXX XXXX for a XX/XX/XXXX show. Turns out it was some third-party outfit called XXXX XXXX XXXX sales that claimed to be the XXXX XXXX XXXX and charged me {$410.00}. I never got any receipt nor tickets nothing. As you can see from all the documents uploaded, I won the dispute and then my XXXX rebilled me I couldn't believe it. I asked why they said that scam of a company said I received my merchandise that's a lie. I have reopened another dispute but they are not working on my behalf to protect me from fraud. 

As you can see attached, I have 26 pages of proof to show this company is a scam and stole my money and I contacted the Attorney General in XXXX XXXX who is aware they are crooks and also the XXXX XXXX XXXX was kind enough to send a letter on my behalf showing there are NO tickets in my name. I have tried to talk to XXXX XXXX XXXX  they are nasty and rude and obnoxious. 

I don't understand how all of this evidence isn't enough to protect me the consumer and that is why I charge things for protection, and they are not protecting me at all. They ruled in my favor and that should of been the end of it. I have been stressed for months over this. I think that all this evidence and documents is proof enough to rule in my favor and get rid of the scammers that XXXX XXXX XXXX XXXX are. 

I hope you can help me. I have to intention to pay the amount no matter what happens as I will not pay thieves that just want to steal my money. I have told my Creditcard this and I will close the account. It would be a XXXX shame after XXXX years to have my credit ruined of a perfect score because of Synchrony Bank. Anyone in their right mind can see it's a scam and why in the world would I but more tickets for the same venue same day same time if I had them. Seriously, this is such an injustice to me. 

Any help would be appreciated after this I give up but will never pay the charge, I have put my Creditcard on notice as well but like I said they don't seem to Care.
Consumer complaint received 2018-07-27
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Hewitt-Capital (MO)

Hewitt Capital is repeatedly calling my work despite being told I can not take personal phone calls and is a detriment to my job. This is the second time they have called me despite being told this. Just days ago I filed a complaint because this company is sharing my private and legal information with my fellow employees AFTER being told I can not take these calls at work.

These shady business practices are not only unethical but illegal and I will not put my job in jeopardy just to talk with them at work.
Consumer complaint received 2022-10-05
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. (MS)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2019-08-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (KY)

I have spoken with Navient about the school closing so i wasn't able to finish my degree and i was not paying the loan if i was unable to finish to classes. They refused to send me paper work after asking numerous times. The final attempt was 3 months ago they told me i only had 100 days to fill out the closed school form which i was asking for for over 3 months. 
If i need to turn this over to an attorney and file a lawsuit against them then that is what i am going to do in less than 30 days unless this is resolved. This mark on my credit has kept me from buying a house. Why should i pay for a loan that i wasn't able to complete the degree and credits was non transferable.
Consumer complaint received 2020-12-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response. I feel like Im being taken advantage of, and my disputes are being ignored. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those accounts from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will be seeking litigation due to the stress this has caused me. My information was also impacted by the Equifax data breach and may have fell into the hands of the wrong person.
Consumer complaint received 2021-08-10
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. (CA)

On XX/XX/2021 Equifax received notification in accordance with the Fair Credit Reporting Act of Identity Theft pursuant to 15 USC 1681a ( q ) ( 3 ) for which a block was requested pursuant to 15 USC 1681c-2 ( a ). I have not seen or been presented with documentation or evidence reflecting the block. 

I furthermore have not seen or been presented with documentation or evidence reflecting reasons for declining the block in accordanc

e with 15 USC 1681c-2 ( c ) ( 2 ). Equifax is in violation of 15 USC 1681c-2 ( a )
for failing to block the information identified as identity theft by I, the consumer.
Consumer complaint received 2017-12-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

On XX/XX/XXXX I send a SEPA payment to a company located in XXXX XXXX  CA, called Coinbase to add funds to my account. This was XXXX ( Euro ), I got an E-Mail that my account was not verified thus they could not accept the funds and would send it back, which was odd because I tested out 1 and when I experienced it worked I added this amount. I made sure to verfiy my account and send another XXXX in 2 payments of XXXX thinking the initial XXXX would return anyway, these last 2 payments had no issues I must admit.

So I first contacted support on XX/XX/XXXX and when I noticed I did not get any response I pulled the XXXX from them which I received without any issue but still no sign of the XXXX they were going to send back.

on XX/XX/XXXX I once again contacted support asking them to answer my initial question, I must make a side note that they claim to answer within 48 hours.

On XX/XX/XXXX I got an automated message asking wether the issue was solved or not.

On XX/XX/XXXX I responded telling them it was still not solved.

On XX/XX/XXXX I got a response in which they apologised for taking so long to answer but besides this apology nothing else was stated in the response.

I directly responded that their response was irrelevant and did add nothing.

They immideatly responded, telling they were looking in to the case with a team of specialists and they would contact me soon.

This did n't happen I contacted them three times within 2 months before I got a response of platitudes.

at last on XX/XX/XXXX they asked me for some details which I sent to them and they told me again to look into it with a team of specialists and contact me.

Again they did not contact me and today XX/XX/XXXX I contacted them asking why it takes so long, in the mean time I file a complaint with you.

I have contacted their bank which forwarded me to my own bank saying my bank could help me and they could not.

I contacted my bank and they told me the only thing they can do is send a formal request to Coinbase requesting the funds but it is a request which such companies usually ignore. at this point I was discouraged and did not take any other steps.
Consumer complaint received 2018-07-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (OH)

Around XX/XX/XXXX I was unexpectedly locked out of my Coinbase account without warning or a reason given. I contacted customer support about the issue and they replied that they had a specialist working  on the issue. I waited patiently for the issue to be resolved, but I didnt hear anything from Coinbase. Almost 3 weeks I have been locked out. I contacted customer support since then close to 10 times, and each time they tell me a specialist is working on it. They asked me to take 2 surveys about my account. I did everything the have asked. Even customer service keeps saying that it shouldnt take this long, but there is nothing they can do. I have almost XXXX worth of coins in the account and its all locked up. Meanwhile my bills are piling up. I have read that this has happened to many other people being locked out of their accounts for no apparent reason for months.
Consumer complaint received 2021-07-01
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. (TX)

I am contacting you in hopes that you can help me with Equifax reporting information that is not mine & for things that I did not apply for. I have not received anything from these companies neither did I apply for anything. I have asked several times to remove, they told me to send in an identity theft report but somehow each time I send it they find a way to loose it.
Consumer complaint received 2019-08-13
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: BARCLAYS BANK DELAWARE (TX)

I logged onto Frontier Miles website to use my XXXX miles towards a hotel booking. The website will not allow me to use the max of my earned miles to book ( there is a scroll bar that allows you to modify amounts, but this scroll bar isn't working at all ) I don't want to pay cash when I have miles. At least as little of cash as possible. So far I have used different browsers and come to the conclusion it is not my computers or Ipads. The first rep advised she can do it on her side and offered to login for me. I provided the password, she fiddled around for a good 10 minutes then hung up on me. The second rep/supervisor ( XXXX ) advised that there is no longer offers for a booking of a hotel for miles. BUT it's clearly an option on the website to use. Otherwise, this is false advertising! I've earned these miles. They could not escalate and advised they said they will forward to customer service or a call back from a manager named XXXX. Nothing! This is an emergency trip! I need to book ASAP.
Consumer complaint received 2019-08-13
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. (CA)

XX/XX/XXXX I sent all requested documents to XXXX XXXX and Equifax stating that I was a victim of identity theft also I opened a dispute with both XXXX XXXX and Equifax. This account has been deleted from both XXXX  and XXXX but it's still reporting in Equifax. In addition during the time of identity theft I was hospitalized as well as home bound due to my XXXX diagnosis.

I've also completed and faxed the ID Theft Affidavit to XXXX XXXX XXXX on XX/XX/XXXX. I have not received a response or updates on the status of my case.
Consumer complaint received 2021-05-20
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: EQUIFAX, INC. (TX)

I submitted a dispute to the credit agencies on an account that is not mine nor can be verified or validated and now there are two accounts collecting on the same debt. Please help this isn't right They accounts are showing XXXX XXXX XXXXXXXX XXXX creditor : XXXX XXXX XXXX XXXX {$1400.00} Account number XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$1400.00} Balance updated XX/XX/2021 This is not right at all. Please help
Consumer complaint received 2019-08-13
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: JPMORGAN CHASE & CO. (OH)

Someone Used my account and deposited checks in my account. I tried to contact Chase multiple times over the years to resolve this matter. I told them that someone stole my information and used my information and withdrew {$200.00} after depositing the checks. Chase have not resolved this after 3 years and it still is reporting on my name and the account is charged off. The transaction happened on XX/XX/XXXX. I sent the information to them back in XX/XX/XXXX and they still have not resolved this matter nor responded. It was a chase liquid account and the account number is XXXX
Consumer complaint received 2019-08-13
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: MIDFIRST BANK (TX)

Good day! 

We are trying to escalate this file to Midland Mortgage because until now we don't have the short sale approval yet. We were informed on XX/XX/19 that it is conditionally approved and just need to submit some documents. We submitted the requested documents but the response is not handled in a timely manner. After waiting for several days or a week, they will tell us that another document is needed where they could have inform us the missing documents altogether so it can be submitted completely.

Until this very moment, we still don't have the approval letter. The company and the person in charge of the file has no sense of urgency. We might lose the buyer because he has been waiting for this file since XX/XX/XXXX. We hope that they can fix this asap and provide the approval letter.
Consumer complaint received 2021-08-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (OH)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2018-07-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. (CA)

On XX/XX/2018, I transferred XXXX Bitcoin ( {$1000.00} USD at the time ) from my GDAX   account to my Coinbase account. The balance in my GDAX account went to XXXX BTC. When I checked my Coinbase account, the balance was also XXXX BTC. Effectively my Bitcoin balance just disappeared entirely. 

I created a ticket with Coinbase to resolve the issue and it turns out there was a bug on their side which caused the BTC I transferred to be sent to my old deleted account, making it impossible to access the BTC. It has been almost a month with no updates from Coinbase and I am completely unable to access these funds.
Consumer complaint received 2022-07-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (NY)

My name is XXXX XXXX. In 2021 I opened a checking account with TD bank and I was told If I opened an account and have of deposit of {$2400.00} and have my salary be deposited via direct deposit the bank would give me {$300.00}. In addition if I recommend friends to open an account and if they do I would get $ XXXX {$100.00}. Three of my friends opened an account. Sadly, TD bank didnt keep their promises and never gave me what they promised. I spoke to the banker and manager there, but no one helped me. I would appreciate if the CFPB can help me get what I was promised. Thank you.
Consumer complaint received 2021-01-25
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. (MD)

On 2012, I have had Chapter XXXX Bankruptcy while I own my house in XXXX XXXX XXXX. XXXX, MD XXXX and I have a mortgage with it, after I received a discharge, my Mortgage did not show in my credit report until XXXX took over my mortgage and I had a complaint against them before and the XXXX said that they remove my Loan form my credit report, now I just checked my credit report and XXXX still showing in my credit report, I want XXXX to remove my loan from my credit report, l was discharged my personal liability for the mortgage because of the Chapter XXXX and I did not do any Reaffirmation Agreement with XXXX, I believe the XXXX did a violation of the Bankruptcy.
Consumer complaint received 2019-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (WI)

I did not receive my XX/XX/XXXX and XX/XX/2018 credit card statements, which meant I did not make my required payments by the due dates. After numerous conversations with credit services, XXXX XXXX   acknowledged their mistake and vowed to update my credit reports to reflect no late payments. However, XXXX XXXX did not correct two of my credit reports and now it's adversely affect my ability to refinance my mortgage. I provided XXXX XXXX with the requested information however, they have not updated my credit report, as they indicated they would.
Consumer complaint received 2019-08-13
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX, my CitiBank Best Buy card was charged {$200.00} for a XXXX XXXX renewal. I was not informed of this renewal charge at any time. I did not receive a bill in the mail from Citibank Best Buy nor did I receive any notification from XXXX XXXX this charge was to occur. 

On the morning of XX/XX/XXXX, I received a text message stating my Citibank Best Buy Credit Card was delinquent. I therefore called Best Buy Citibank who stated that I would need to dispute the charge with XXXX XXXX. I contacted XXXX XXXX and spoke with XXXX who stated that the full {$200.00} would be refunded to my account within 24 hours and that I would receive confirmation of this. 

After waiting more than 24 hours non of the charges were refunded, therefore I once again contacted Best Buy and Geek Squad. Initially I spoke with a representative of Best Buy Citibank. I mentioned that to her that I never received a bill from Citibank concerning this transaction. She stated that according to their records one was sent but agreed to waive the charge since sometime mail gets lost. 

I then spoke with Geek Squad Supervisor XXXX from XXXX XXXX, who stated that " since my Geek Squad Renewal was not cancelled within 30 days, they were only able to prorate the charges and not the full amount ''. XXXX said that XXXX XXXX sent an email informing me of this renewal prior to the charge being applied. XXXX than verified an incorrect email on file. I NEVER received email renewal notification since it was sent to an incorrect email address!. 

After the XXXX XXXX prorated charge was removed, my Best Buy Citibank card now reflects a delinquent balance of {$34.00}. XXXX XXXX says they cant remove the charge since I did not cancel within 30 days ( I was not notified of this transaction more than 40 days after it occurred ). Best Buy Citibank says they can't remove a charge which was authorized ( I never authorized this charge ). 

After 4 days of phone calls and more than 5 hours on the phone I have finally be able to lodge a dispute with XXXX. However they are still reporting my delinquent and threating to negatively impact my credit if payment is not made on the remaining balance. 

Having never missed a single credit card, installment or mortgage payment, I take my credit very seriously. However at this point I believe I am being extorted to pay for a service I did not ask for, never received notification of renewal, never received a bill and never used. This is a prime example of UNFAIR AND DECEPTIVE PRACTICES!
Consumer complaint received 2019-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (FL)

On XX/XX/XXXX, I called Barclays US MasterCard to see if they had a financial hardship plan. I was advised I had to be late in on payments in order to do that. I told them I would not hurt my credit by being late just to get on hardship. I said " you know I could file bankruptcy and you would get nothing. '' I hung on the person. I never told them I was doing it or hired an attorney to do it. They never received any documentation from me or any attorney that I was filing bankruptcy. This individual took it upon themselves to cancel my auto payment that was scheduled for XX/XX/XXXX, close my account without my knowledge and report it as late and closed to the three major credit bureaus. Barclays NEVER notified me of this either in writing in the form of a letter, call or email. Now my credit has been harmed significantly by removing the available credit, reporting as past due and closing by XXXX. I told them have 24 hours to reinstate my account, change the credit reporting, refund any late fees or charges and take the monthly payment. If they do not I will file a legal grievance against them. I want Barclays to pay me for financial damage to my credit.
Consumer complaint received 2020-12-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (AL)

I opened a account with Chime bank & set up direct deposit from my unemployment account. The next day after my direct deposit was applied to my account chime closed my account and said was closed and they told me that I could not get my money back because of fraud I committed on the account. Which is not true everything matched name, ss #, and unemployment benefits. They closed my account to steal my money.
Consumer complaint received 2018-07-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO. (NY)

I got a phone call from a company which claimed that they were associated with Chase. They claimed that they would on behalf of me to negotiate with bank to reduce my interest rate. The company asked me about the credit card numbers, zip code and social security numbers. They used their system to tell me my credit card balance. I suspect this company is a cybercrime.