davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: URS Holding, LLC (VA)

Around XXXX XXXX, I received a telephone called from XXXX XXXX XXXX XXXX informing me that a credit card delinquent balance was turned over to United Recoveries Systems ( URS ) now operating as XXXX XXXX XXXX XXXX ( XXXX ) for collection by XXXX CARDS incurred by my son and collection efforts were unsuccessful. I agreed to assume the debt however, I am a retiree on fixed income and can only afford a monthly payment to settle the debt of XXXX XXXX XXXX XXXX XXXX Dollars & XXXX cents ( {$6700.00} ) which was memorialized by a letter dated XX/XX/XXXX. In the settlement negotiation reached in the letter of XX/XX/XXXX, I agreed for XXXX/URS to create and deposit XXXX check reproductions on the dates indicated in the amount of {$240.00} each starting XX/XX/XXXX and monthly thereafter until XX/XX/XXXX totaling {$5100.00}. In XXXX, XXXX and XX/XX/XXXX, I received billings from BOTH companies ( XXXX CARDS and ( XXXX/URS ) that I still owe this debt to BOTH of them.t I will fax you copies of my files justifying that this debt is PAID IN FULL and I don't owe anything anymore to either company.
Consumer complaint received 2018-03-23
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. (CA)

I recently found very questionable items on my credit report which I didnt recognize. After consulting with my legal counsel, I was advised first to notify the credit bureau to get this matter resolved. 
My first letter dated XX/XX/XXXX18 included all the list of errors on my report and I was under the impression that a proper investigation would be conducted to resolve the matter. More than 30 days have past and no proper investigation done by the bureau. All I receive is a credit report with all frivolous items still present. 

The following accounts are frivolous and needs to be removed asap. 

XXXX XXXX REF # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ref # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BARCLAYS BANK DELAWARE (NY)

I am a customer with Barclay card us my arrival card number is XXXX XXXX XXXX XXXX my other card number is XXXX XXXX XXXX XXXX XXXX XXXX is my name date of birth XX/XX/XXXX social XXXX mothers madian name XXXX address XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ny XXXX my complaint is that I told Barclay card that I had a emergencey do to bad weather and power outages in new york during noreaster storm that I needed to increase my credit line on both of my accounts to at least 7,000 or higher. ive been a good customer I made my payments on time even ive been overlimit on my account but I made my payments, I'm surprised that Barclay card us don't help their customers when it comes to an emergencey or disaster. they need to change their policy, also they constantly like to do hard pull on credit reports in order to do a increase that destroys peoples credit scores, other banks like XXXX and XXXX do soft pull in order to increase credit limit increases. it sad that I have a credit card with Barclay us, but I was in a emergencey hear where I needed gas and a increased to pay my sons school bill and they still couldn't help me here, they threw me and my kids under the bus, all I'm asking for Barclay card us is help me please help me hear and be more responsibly when is comes to a emergencey.
Consumer complaint received 2018-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (TX)

Citi announced a new policy that : Under this new policy, we will require new retail sector clients or partners to adhere to these best practices : ( 1 ) they dont sell firearms to someone who hasnt passed a background check, ( 2 ) they restrict the sale of firearms for individuals under 21 years of age, and ( 3 ) they dont sell bump stocks or high-capacity magazines. This policy will apply across the firm, including to small business, commercial and institutional clients, as well as credit card partners, whether co-brand or private label. It doesn't impact the ability of consumers to use their Citi cards at merchants of their choice. 

This new policy violates many American 's constitutional rights to purchase firearms and other legal firearm accessories.
Consumer complaint received 2018-03-23
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: DISCOVER BANK (CA)

1. I disputed the fraudulent charges made in the amount of {$15000.00} ( approximate ). 
2. Most of the charges were made overseas ; I have been in the States during those dates. I requested that the charges to be removed from my account. 
3. I have provided all of the necessary documents they required, such as police reports. 
4. I have reported fraud and disputed charges in XX/XX/XXXX. 
5. Discover sent me a letter in XXXX stating that they have concluded the investigation and will adjust all the charges.

6. On XX/XX/XXXX Discover sent me a letter stating no fraud and all the charges were put back into my account. 
7. Under Federal Trade Commissions FCBA rule, Credit card companies MUST FINISH investigation within 2 billing cycle. Discovercard took 5 months!!!
Consumer complaint received 2018-03-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

On XX/XX/XXXX, I wired {$50000.00} from XXXX to Coinbase account, following their instructions. Coinbase website states that the money should be available 3-5 business days after the wire transfer. 
A week later, on XX/XX/XXXX, I contacted XXXX to check on the wire, as I have not received it. XXXX pulled up XXXX and confirmed that the money was accepted by Coinbase. They sent an inquiry to Coinbase and advised me to contact them as well. 
Ive called Coinbase customer service number, and got an automated message stating that they are not responding to any questions other than technical. I filed a support request via an email form on their website. I also sent several messages via @ coinbase_support on XXXX. No response was received. 
On XX/XX/XXXX after repeated attempts of XXXX and myself to get in touch with Coinbase, no one responded. I found a Coinbase contact on XXXX ( XXXX XXXX, VP of Payments ) and emailed her with the description of incident. She responded to me next day, assuring that someone from customer service will get in touch. 
After several days of back and forth, on XX/XX/XXXX I received a generic email from Coinbase stating that recently they have reviewed the wire and the name didnt match so they have to send it back. Another email of XX/XX/XXXX confirmed that the wire has been sent and it will take 3-5 business days to be returned to XXXX. 
On XX/XX/XXXX, the money has not arrived. XXXX looked into it again, and confirmed that Coinbase has not even originated the return. 
In sum, its been a month since I sent {$50000.00} to Coinbase following their instructions. The bank accepted the money, didnt deposit to my account and didnt return it. Theyve made no good faith attempt to resolve my complaint. Moreover, theyve provided no reasonable way for me or another bank to contact them. They are violating the consumer protection law and are engaged in fraudulent activity. {$50000.00} is a big part of my life savings and Coinbase defrauded me of it.
Consumer complaint received 2018-03-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (CA)

In XX/XX/XXXX, I reviewed my bank statement online and saw that I had overdraft fees. I called the online customer number to remind them that I never opt-in to have overdraft fees. In the past, I had experienced large accumulation of fees and it had affected my account balance. I was told to not worry about it. 

During the period of XX/XX/XXXX to XX/XX/XXXX, I was unemployed and without a job contract. 
At that time, my account started to accumulate enormous overdraft fees. Again, in XX/XX/XXXX, I contacted the US Bank customer service line to remove the overdraft protection. I had asked to leave my account without the overdraft protection due to the fact that the overdraft fees prevented my scheduled transactions to be withdrawn. By the time the funds arrived in my account, the overdraft fees would take {$72.00} to XXXX $ out of my limit income. I had spoken to the manager about my situation and was informed by XX/XX/XXXX that my overdraft fees were more than {$400.00}. Then by XX/XX/XXXX, I was waiting for my pay and I informed the US BANK manager on XXXX XXXX XXXX XXXX, CA XXXX and she informed me told that my payroll would be too late because I owed more than {$1000.00} in fees. My account was closed by the end of XX/XX/XXXX. 

On XX/XX/XXXX, I contacted XXXX XXXX, Manager, Collection Support Services, XXXX XXXX XXXX XXXX XXXX on XXXX XXXX XXXX, XXXX XXXX XXXX, PA, XXXX via email at XXXX. I informed her I was ready to settle and pay the {$190.00} this Friday, XX/XX/XXXX but my credit report will need to mention " Paid '' as oppose to " Settle ''. She told me she couldn't do that and US Bank needed to make this decision. I asked her to forward my request to US BANK but she refused. I contacted the collections department at US Bank and the representative told me that the collection agency needed to do enter the " PAID '' on my credit report. I attempted on multiple occasions to talk to a manager but no help.
Consumer complaint received 2018-02-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (TX)

Still have not received $ XXXX withdraw made from coinbase through XXXX account. 

XX/XX/XXXX - Withdraw was made at XXXX for {$50000.00} Confirmation email has estimated arrival date XX/XX/XXXX 

XX/XX/XXXX emailed support case # XXXX Other emails sent XX/XX/XXXX amount still not present in account.
Consumer complaint received 2020-10-27
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (AZ)

On XX/XX/2020 I received a prepaid debit Visa debit card from US Bank. It was postmarked XX/XX/2020 from ZIP XXXX. It appears it may be for the Ohio Unemployment Insurance Program. I do not live in Ohio. I have never lived in Ohio. I have never applied for unemployment benefits from ANY state. ( A couple of months ago I received a similar card from XXXX XXXX XXXX for unsolicited Arizona benefits. ) I do not know the amount on the card. I have not activated it. I tried calling US Bank but was on hold for 20 minutes with no end in sight. I am using a lot of my employer 's time trying to return/stop unemployment payouts.
Consumer complaint received 2019-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BB&T CORPORATION (UT)

Regional Acceptance #XXXX was included in my bankruptcy. However they are currently updating and showing a balance and this is negatively effecting my credit. It should not be updating and reporting lates when it was included in the bankruptcy.
Consumer complaint received 2018-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XX/XX/XXXX I sent a letter to XXXX XXXX XXXX disputing the account they are reporting on me as charged off on ALL 3 credit reporting companies - I demanded that they provide validation to me - they ignored my request XX/XX/XXXX I sent a follow up letter to XXXX XXXX XXXX again demanding that they provide validation - again they ignored my request XX/XX/XXXX I sent a letter to ALL 3 credit reporting companies demanding that they provide validation - ALL 3 credit reporting companies ignored my request XX/XX/XXXX I sent a follow up letter to ALL 3 credit reporting companies demanding again that they provide validation - again ALL 3 credit reporting companies ignored my request
Consumer complaint received 2018-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

Everyone pulls equifax, lenders and employers. They are the worst agency to deal with. 
I have discharged chapter XXXX dated XX/XX/XXXX. The other 2 agencies have the updated bankruptcy information all accounts XXXX, not Equifax! I tried to pull my annual free report, IT DIDNT GIVE ME A 10 DIGIT CONFIRMATION #. TRIED TO LOG ON TO DISPUTE, IT ASKED ME FOR THE 10 DIGIT REPORT ID, WELL IT NEVER GAVE ME ONE. because free report didnt give me a 10 digit ID, it would not let me continue to dispute, stating it could not pull my information. I was denied credit. Their system telling me I can not be verified even though I am answering all of the verification questions that are pulling directly from my own credit report. I even tried to pay for a report just to get online to dispute these items. It is still saying it can not verify my information even thorough I am inputting my SSN, DOB and my drivers license number. Meanwhile, due to their INACCURATE information, I'm getting turned down for credit and taking hits to my credit score because they wont let me access my OWN CREDIT REPORT, making it difficult to dispute any information. 
They are telling me to make a copy of my DL # and my SS card and proof of address and MAIL it to them .... SNAIL mail. That can take 30 DAYS OR MORE TO PROCESS. 
UNACCEPTABLE. THIS NEEDS TO CHANGE. LET ME CONTROL MY REPORT NOT YOU CONTROL IT AND LOCK ME OUT OF IT. NOT FAIR EQUIFAX. 
THE CFPB NEEDS TO INTERVENE AND MAKE THEM BE MORE ACCESSIBLE DISPUTE INACCURATE INFORMATION.
Consumer complaint received 2017-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (WA)

I have to state that I was pretty disappointed when US Bank took away the credit that was on my credit card through XXXX. 

I had a credit balance because US Bank would not accept payments of less than {$1.00} from my bank. And rather than refund the money ( like other credit cards do ) OR enjoy the interest they were making off my money, US Bank decided to keep all of my money with NO issuance of notice to me. US Bank has stated ( on XX/XX/2017 ) that there are regulations that require a refund of any credit balance held by the bank for 90 days. HOWEVER, it is US Bank 's policy to keep the money themselves rather than send out checks for less that {$1.00}. 

If I owed US Bank money, they would not hesitate to charge me with a {$38.00} late fee if I did n't pay an amount within 30 days. I have to ask - where is the equity in this action? 

While the amount may be small, for a company with 15.8 million customers ( XXXX XXXX XXXX ) and a quarterly revenue of {$300.00} XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) this seems like a pretty petty thing to do to the customer, but a potenially large windfall to the company. 

I would love an explanation on how/why this is possible, Thank you XXXX XXXX
Consumer complaint received 2020-05-05
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: BARCLAYS BANK DELAWARE (TX)

Used credit card to pay a shipping company to transport a pallet of boxes from XXXX XXXX to XXXX. One time transaction. The shipping company charged me for this transaction. However, 45 days later, they charged me the same amount again, for the same transaction and without my authorization.

I disputed the second fraudulent charge with Barclays card immediately after realizing this transaction on my account, but did not receive any favorable resolution. Only a letter stating they could not do anything.

I want to file a complaint against Barclay card for misleading customers about fraudulent charge protection when using their card. It is know that banks provide purchase protection, price protection and extended warranties insurance to customers without any additional charges.However in my case, they did not process a claim - even after supplying them with appropriate documentation and proof.
Consumer complaint received 2018-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Selene Finance LP (TX)

I experienced damage from the hurricane Harvey, and was denied coverage from the insurance company. I requested assistance from my mortgage company to assist me with payments as I repaired my home. I entered into a 4 month trial modification. I was not informed that they would be reporting me 30 days late to the credit bureaus. I have never been late on my account with the mortgage company. I have disputed the late reporting with the bureaus, and mortgage company to no avail. There is no where in the agreement that states that as I am in the trial payment to gain assistance that they will report late on my account.
Consumer complaint received 2018-02-01
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: WELLS FARGO & COMPANY (OK)

I have been disputing a missed payment that wells fargo reportedXX/XX/XXXX. I sent proof of payment to XXXX  verifying that the payment was not missed and they notified me that wells fargo assured them that the information was correct. I'm upset because this missed payment is negatively effecting my life. I sent in proof of payment and still got no results. What more proof can i send?. If the credit bureaus attempted to ask for payment history from the company then this wouldn't be happening to me. They concluded their last investigation XX/XX/. I have disputed this late payment four times. This is unacceptable. If a consumer sends proof of payment then that should be sufficient. I also disputed the missed payment with XXXX  and XXXX with she same incorrect information not removed.
Consumer complaint received 2020-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (MN)

By the time the CARES ACT was put into effect, our business revenue had dropped by 70 % so we chose to apply to Wells Fargo for temporary payment suspension on our home mortgage Act # XXXX. The application clearly stated " We won't charge late fees or report additional missed payments to the credit bureaus ''. Our mortgage was current at the time of the application. The application was granted on XX/XX/2020. On XXXX we noticed my wife 's XXXX credit score, as it appears on XXXX XXXX, had dropped 41 pts and mine, as it appears on XXXX XXXX had dropped 4 pts. This has been since the application was granted and after we did not make our XXXX mortgage payment. XXXX XXXX lists the reason for change as Wells Fargo using the term " Forbearance ''. XXXX lists Wells Fargo as the change and shows " Paid as Agreed '' and " Past Due Not Reported '' I contacted XXXX, ID : XXXX at Wells Fargo today, XXXXXXXX and in a conversation that I have recorded he stated they were being inundated with customer complaints and literally got a memo about this issue with talking points specifically naming XXXX XXXX within the hour of my call. He tried to assure me this should not have a negative effect on my ability to obtain credit and I stated that wasn't my concern. A 41 point drop on an XXXX  score is hardly re-assuring and the fact that is now a matter of record. I have not been able to reach any of the Credit Bureaus and I am seeking the CFPB 's help in getting this removed from our credit history and elevating our scores back to their previous levels.
Consumer complaint received 2021-04-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I have requested the forbearance agreement so I can get my mortgage back on track several times. I was told that they would email it to me in 5-7 business days which is really unreasonable for an email in my opinion and then what they sent was a fax of my payoff amount which has nothing to do with the forbearance. I tried calling back today and they said I have to wait again but this is unreasonable, I am trying to close the mortgage out and they know that so they're not giving me the necessary documents.
Consumer complaint received 2018-02-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. ()

I was sending Ethereum via my wallet on Coinbase, XXXX XX/XX/2018. After a few failed attempts on verifying my ID to accelerate my transaction as it was time sensitive, my account was locked without prior notice. A ticket has been sent but to no avail. I have tried reaching out on social media platforms including their emails to also no avail.
Consumer complaint received 2021-04-29
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA (NY)

Good Morning, my name is XXXX XXXX and I've formally submitted a complaint on a company called XXXX XXXX. I was under the impression that my monthly payments towards XXXX XXXX was going to my student loans however, when I went to apply for my first credit card years ago - I noticed many negative ( late payments ) marks on my account. It was to my surprise that the payments I was making to XXXX XXXX weren't for my loan, but instead, for a service they offered that consisted of refinancing and monitoring my loan. 

After paying a few credit repair agencies I was thoroughly helped by one of them. We took a deep dive into why I had so many negative marks on my account, hindering my credit from going above a 600. At a granular level we were able to discover the pattern, my payments towards XXXX XXXX aligned with my late payments to FedLoan. 

I've given up on seeking justice and getting myself back to where I was before I found out about XXXX XXXX. I'm filing this complaint with the hope that someone will fight for me to get these items removed from my credit report. 

Kind Regards, XXXX