davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-03
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. (MO)

Submitting this CFPB Complaint will already be my 4th CFPB complaint requesting the removal of the Fraudulent accounts and information from my Credit File in accordance with the Fair Credit Reporting Act section 605b. I have read that under the FCRA section 605b, the Credit Reporting Agencies are required to remove any accounts and information that resulted due to identity theft. However, upon reviewing my updated Credit Report, it can not be just be overlooked since the Credit Reporting Agencies have failed to completely eradicate the disputed items from my Credit File. I am now submitting this CFPB Complaint requesting to the Credit Bureaus that they immediately remove the disputed items from my Credit File. Also, the Credit Reporting Agencies have failed to send me copies of proof of verification or proof of ownership with the disputed items. I have been requesting these documents since last month and yet the Credit Bureaus have sent me nothing. Please have the following items removed as soon as possible ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX A XXXX XXXXXXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX Balance Owed : {$210.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2021-02-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. (CA)

I have been using the regulated Digital Currency Exchange Coinbase for 4 years. They support the deposit of various currencies and the purchase/trading of digital assets. I have had no issues until 6 days ago. They have 2 platforms which are interconnected, one is called " Coinbase '' ( their retail platform ) - the other is called " Coinbase pro '' - Assets and currencies can be seemlessly moved back and forth between these two platforms. Coinbase pro is their trading platform. 

On Friday ( XXXX ) it is a well known fact that their platform experienced a variety of technical issues. I experienced one when I withdrew {$17000.00} from " Coinbase pro '' to " Coinbase '' and an error message came up saying the transfer couldn't be completed. I have done this type of transfer hundreds of times in 4 years with no issue. I closed the window and discovered the USD was now missing from both my Coinbase Pro Trading account and from my Coinbase account. I look at the withdrawals page and it says " COMPLETED '' - but also says " cancel_reasong : posting transaction failed. The money seems to have pretty much vanished, and it's a somewhat significant sum. 

I contacted customer service ( and have emailed them every day ) and have only received generic, seemingly auto-generated responses saying they are aware of my case and will let me know when there's an update. I have since learned that 100s of others are experiencing issues, some dating back several weeks and months, and one guy had an issue that hadn't been solved in 2.5 years. 

I have grown very worried that this supposedly highly regulated firm isn't going to " get to '' my case anytime soon and I'll lose access to this very large sum of money. For 4 years there were literally no issues, but this issue is very disturbing and I would really like to get a resolution soon. 

My case number with them is XXXX I have a XXXX  XXXX and a family to support and my business has been very badly effected by the pandemic, so this money is very important to me. Thank you in advance for your help.
Consumer complaint received 2021-02-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. ()

Coinbase has put my account under review for no apparent reason, it has been over a month since the account has been under review, I have sent them numerous number of emails and the Coinbase company is not responding to my emails with the solution. 

I am already level 2 verified customer with them for many years, i can not buy or sell any digital currency on the coinbase platform which has resulted in a financial loss for me. 

I also tried contacting them on XXXX, Coinbase website, Coinbase complaints and getting no responce at all. There is no telephone numbers for them. 

My email address is XXXX I have raised numerous cases # XXXX, XXXX, XXXX, XXXX, XXXX, Please help me as my active funds are locked with coinbase and i can not transfer, withdraw or do anything. 

Kind Regards XXXX XXXX
Consumer complaint received 2021-02-05
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: SYNCHRONY FINANCIAL (OH)

Lowes/Synchrony Bank has my information as a secondary on a credit card instead of an authorized user. I was only an authorized user on this account and not a secondary and it is effecting my credit report negatively. My husband XXXX has called multiple times and has asked for all of the documentation on this account. They have told him there is no documentation available to send ( XXXX at XXXX and XXXX at XXXX hours were the last two calls ).

My husband had filed bankruptcy on this card and it depicts correct on his credit report but it should not be on mine. my last 4 of my ss # is XXXX
Consumer complaint received 2016-12-22
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: SUNTRUST BANKS, INC. (VA)

On XX/XX/XXXX, I applied for a mortgage refinance through Suntrust after being notified that I was pre-qualified to refinance at a lower interest rate. I am financially sound and went through the process of the loan application. Suntrust appraised my home and after the application signing I was told that a closing date would be set soon and that everything was processing efficiently. Around XX/XX/XXXX Suntrust began requesting additional utility bills and a home owner 's insurance declaration. On XX/XX/XXXX, Suntrust requested that the home owner 's insurance declaration be amended with my primary name instead of my father 's name. This was a very strange request because I am refinancing this home in my name instead of my father 's name. I sent the new homeowner 's insurance declaration page to Suntrust on the morning of XX/XX/XXXX as soon as I received the amended document from my insurance agent. On the afternoon of XX/XX/XXXX Suntrust sent me a denial letter because of time-lapse on the application process. 
The time-lapse of this application was due to Suntrust. I responded and had given every detail and document that they requested in a timely fashion. All responses between Suntrust and I are documented and dated for validity on the matter. Someone on the end of Suntrust simply " dropped-the-ball '' for weeks at a time during the process. This happened more than XXXX time from XX/XX/XXXX to the end of XX/XX/XXXX. Consequently, interest rates have risen and I can not get the lower interest rate through another company.
Consumer complaint received 2021-02-05
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: RUOFF MORTGAGE (IN)

This is a continuation of CFPB closed # XXXX. 

As you can clearly see by the evidence presented ( the threatening letter from Rouff Mortgage and page showing my automatic payments made ) I am NOT behind in payments nor do I have any evidence that any were late. 

Auto pay is set up to take the payment out on XXXX of each month to by the XXXX of the next month to always be on time. This is an electronic payment, not mail which might be lost! 

This is nothing short of harrassment to get another extra payment and I am NOT playing that game again! I never received the letter last time but paid that one regardless to be done with it since a corporation can produce anything they want to from a computer but an unsuspecting consumer can not prove they never received it! Refreshing your memory when I phoned the XXXX XXXX office to verify the XXXX due date, they said " first payment due '' in XXXX is correct and proved my point. 

I am tired of this harrassment. Either XXXX is making an effort to get more free profit, or they can't adequately run their own business.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was out of country from XX/XX/XXXX to XX/XX/XXXX and when i come back to state i've noticed that my credit score was huge dropped and i look into my account and i had a late payment history which doesn't make sense to me so I looked up my credit report and I noticed that XXXX XXXX XXXX XXXX reported late payment of {$8.00} dollars on my report which I didn't use this card over the 1 year period and I did set up Auto Payment to avoid any missing payments all of my credit card company includeXXXX XXXXXXXX XXXX XXXX  I called and explained that It's not possible to late payment occurredin my account and they said it was some kind of unusual membership charge and that charge can not be processed using auto payment system which is nonsense and I told them I was out of country more than 6 months and I never use credit card during the period and I requested them to reinstate my account status as a current so that my credit scores back but they declinedmy request. This is an absolutely unfair act and I do not deserve XXXX points dropped because of the unusual membership charge or whatever they call it. Please help me on this matter.
Consumer complaint received 2020-04-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: COLORADO HOUSING AND FINANCE AUTHORITY (CO)

I called CHFA early in XXXX to see what our options were about being able to pay our mortgage due to the economy closing down because of COVID-19. I was told by an agent that there was absolutely no deferment in place are the only thing that we could do was due for the payments for three months or forever long that we needed to was a forbearance. That the payments would just add up but that would we would have a huge balloon payment at that time. Then I was told that at the end of the deferment that was determined that we couldnt make the huge balloon payment of {$7400.00} ( Which worries me because if I dont have {$2400.00} to pay my mortgage why in gods name would they think I would have {$7400.00} 3months from now? ) And then and only then we would talk to a loss mitigator and we would see and the agent stressed the word see and I wasnt confident when the agent said that. That maybe we could put the payment at the end of our loan or we could possibly modify the loan but she wouldnt go into any detail at all about what that meant. The way that the agent talked I could tell that Chfa Has zero interest in helping their customers. I am completely out of a job now. And I am worried that I could possibly default and lose my house. The agent said that Chfa would start the deferment but it would be put on hold until we were  mailed the paperwork and we had a chance to look it over and sign it and then mail it back and then the deferment would start two days  later I received an email letting me know that the deferment had already started and that they were mailing us our paperwork. 

Here is that email. 

Your 90 day forbearance plan has been activated on our system. This ensures that late charges will be suspended for the duration of the forbearance plan. A forbearance agreement will be sent to you in the mail outlining the terms, including details such as suspending payments. Please note that we require 10-15 business days to process a change in automatic payment drafting. If your next monthly payment falls within this timeframe, please contact your bank to ensure that the scheduled automatic draft is not honored. Please allow 2 weeks for delivery of the forbearance agreement. To the extent possible, please sign and return this forbearance agreement as soon as you can.

Please note that a forbearance plan will not waive or forgive your mortgage payments. Upon completion of the plan, your loan may be restructured via a loss mitigation program. 

If additional information is needed, a Loss Mitigation Specialist will contact you directly as soon as possible. 

If you need to contact us for any reason, please login to the website XXXX XXXX XXXX and access the Secure Message Center or Contact Us page to submit your inquiry. Please do not use the COVID19 topic for follow-up inquiries.

Please stay safe and know that we are here to help. Thank you. 

I was told that forbearance wouldnt be activated until after we had mailed paperwork back to Chfa. But they went ahead and activated it anyway.
Consumer complaint received 2016-11-18
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION (NC)

HSA Bank delayed closing my account for over 6 months and continued to charge account maintenance fees. I sent a transfer form to HSA Bank on XX/XX/2016. HSA Bank acknowledged in a phone call with me on XX/XX/2016 that they received the form on XX/XX/2016. During the XX/XX/XXXX phone call, HSA Bank said it would take 4-6 weeks to transfer my funds out. The funds did not transfer out. I called back on XX/XX/2016 and HSA Bank said it would take another 6-8 weeks to transfer out. HSA Bank finally transferred out my money on XX/XX/2016. HSA Bank never indicated there was a problem with the transfer, they just delayed it for 6+ months and continued collecting fees. These were investment funds at HSA Bank and at the new bank that I transferred the funds to. In the time from XX/XX/XXXX to XXXX the investment ( XXXX ) increased in value by over 13 %. HSA Bank 's delay cost me over {$1300.00} in return on investment.
Consumer complaint received 2016-10-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc. (PA)

I was told that they were soon to have4-G in my area and the phones and internet would not work where I live and they would not. I did n't owe for service and I paid one half of the charges to cancel and they said that would be accepted as settled. Then they put the other half in collections. This was a XXXX XXXX XXXX account. VERY UNFAIR! The collection is under Eos Cca fromXX/XX/2012 for {$210.00}. Ridiculous!
Consumer complaint received 2021-01-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NJ)

Hi, this complaint is regarding my home loan with Mr. Cooper, loan number XXXX. 

On XX/XX/XXXX I went online to pay my monthly mortgage payment with Mr. Cooper ( my mortgage company ). I noticed an unexplained bill on my account dated XX/XX/XXXX in the amount of {$620.00}. It appears to be two charges on the same date-one is for {$500.00} and the other is for {$120.00}. The only information posted about this bill on my account says " lender paid expenses ''. I called and spoke to the Mr. Cooper when I noticed it and asked what the charges were for. The first time I called I was told it was related to a bankruptcy on my account ( I did file a bankruptcy in XXXX and this has been discharged in early XXXX so this could not have been related to a bankruptcy ). I was unable to get any other information so I called Mr. Cooper again on XX/XX/XXXX. This time I was told it was because my house was vacant. My house has never been vacant at any time since I've owned the property in the last 21 years. Again I was not provided any other information so I called Mr. Cooper a third time on XX/XX/XXXX. This time someone was able to find an actual bill in the amount of {$620.00} ( the bill has been attached ). The bill is dated XX/XX/XXXX, from a company called XXXX XXXX XXXX XXXX. The bill clearly states that I have been charged some type of fees for vacant property registration ( one for {$120.00} and one for {$500.00} ). Again my property has never been vacant at any time in the 21 years I have owned it. 
I tried calling both phone numbers ( phone and fax ) that were listed on this bill, and both numbers are disconnected/no longer in service ( feel free to call yourself to verify ). I also can not find any information on the XXXX XXXX XXXX at the address provided on this bill. I asked if Mr. Cooper could investigate the validity this bill. I did receive a notice in the mail dated XX/XX/XXXX from Mr. Cooper regarding the bill. The letter states without any further explanation that " the lender paid expense balance is valid and was assessed to the loan in accordance with the loan documents and our servicing requirements ''.
Consumer complaint received 2021-01-29
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. (PA)

Ive wrote several certified letters to the creditor and credit bureau and told them this was not me. I asked them to provide me a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay the alleged amount. Theyve failed to provide me with a copy of any alleged contract bearing my signature. 

The collection is as follows : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-03
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: CITIBANK, N.A. (NY)

On the Citibank account it was closed by creditor in XX/XX/XXXX and the creditor was still reporting on time in XX/XX/XXXX then starting reporting late payments after that. This account should not have been still reporting anything after the account was closed by creditor. Some months it was reporting inaccurate and misleading information. On XXXX it was reporting 30 days late and on XXXX and XXXX on time in the same month of XXXX. Please have this account removed from all 3 of my credit reports as this account is falsely reporting inaccuracies.
Consumer complaint received 2016-05-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (IL)

EQUIFAX fails to remove the XXXX account. EQUIFAX reports incorrectly that this account Terms are Revolving. EQUIFAX reports incorrectly that this account balance is {$8500.00}. EQUIFAX reports incorrectly that this account is past due {$8500.00}. EQUIFAX reports incorrectly this account Credit Limit is {$7000.00}. EQUIFAX reports incorrectly that the account is over it 's Credit Limit. EQUIFAX reports incorrectly this account 's date of first delinquency is different from the date of first delinquency from the other CRS 's for removal. EQUIFAX continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Consumer complaint received 2021-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MA)

Costco changed to Citibank credit card for its members. I had stopped using Costco since around XX/XX/XXXX but I was issued a new Citibank credit card which I never even activated since I had stopped using Costco. Unknown to me was the automatic membership renewal fee of {$60.00} which was charged to my Citibank credit card in XX/XX/XXXX. Even worse was that unknown to me I was signed up for paperless billing. I never saw the email bills possibly because they went into junk mail. Citibank kept adding {$40.00} fees every month plus interest since XX/XX/XXXX and I never saw a single bill. Finally I received a letter in the mail on XX/XX/XXXX from Citibank collections about my unpaid balance which had ballooned to {$250.00} from the {$60.00} charge in XX/XX/XXXX. I immediately called Citibank Customer Service to explain my predicament and even after being tossed around to 4 different unsympathetic customer service agents on the phone, they were unwilling to recognize my unfortunate situation and kept insisting on the full payment. Finally I was exhausted and settled up with a payment over the phone. This is an example of predatory lending practices where a {$60.00} charge grows to {$250.00} within 4 months. I should add that I have a credit rating of over XXXX and always pay my credit card bills in full every month. Shame on Citibank. I would like to be reimbursed for the exorbitant late fees and interest.
Consumer complaint received 2021-01-21
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. (MD)

XXXX XXXX XXXX XXXX has sent my private payment information to the credit bureaus with out my consent violating my privacy rights as a consumer. It states in the 15USC 1681 ( a ) ( 4 ) and ( b ) that consumer reporting agencies should exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy, ( b ) and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information. The credit bureaus should not be allowed to add my private payment information to any report sent by a creditor who is also violating my privacy rights by sharing my information without my consent. Therefore I demand that this account be removed immediately from my credit report.
Consumer complaint received 2021-01-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Social Finance, Inc. (UT)

SoFi offered a {$50.00} new account bonus and I opened an account via the dedicated landing page on XX/XX/XXXX and fulfilled all terms of the offer on the same date. The terms of the offer required that I deposit {$500.00} and that SoFi would add {$50.00}. 

SoFi did not credit {$50.00} to my account but instead credited {$25.00} on XX/XX/XXXX. 
I contacted SoFi 's customer support on via chat or about XX/XX/XXXX regarding the discrepancy and was told that the {$25.00} was for an unrelated promotion they were running and that the {$50.00} would be in my account within a couple weeks. 
On XX/XX/XXXX I against contacted SoFi customer support via chat and was told that the customer service agent would create a ticket for the issue and that the {$50.00} would be in my account within 10 days. 
On XX/XX/XXXX I again contacted SoFi customer support, this time via phone, and was told that a third party I have never met needs to complete a W-9 before they will credit my account the {$50.00}. Or at least that " might be the problem '' but that I would need to call back the next day to find out more. The contract offered to me by SoFi via their website makes no reference to my needing to gather information or other deliverables from any other party in order to receive the {$50.00} and if I had known that SoFi was seeking my assistance in completing their compliance paperwork for another individual I would never have opened the account or transferred any money to them.