davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (TX)

Coinbase implemented the support for XRP cryptocurrency and when I pulled up the deposit web form it showed only the wallet address, it did NOT show an XRP tag, so I completed the transfer and it said it would take 10min, after 20min I checked my wallet and it was not in there, so I opened up a support ticket, they said that the form should have had a wallet address and an XRP tag number which mine did not. I even sent them a screenshot of it showing no need for the XRP tag when I pulled up the deposit form on their site. They proceed to tell me they can not put the currency that I transfered to their wallet in my XRP wallet when this was NOT my fault in ANY WAY!!! This is a fault with their site and DEV team letting people submit transfers without their system being fully operational and in no way did it say any tag requirement when I made the transfer and I have proof of that. They need to fix this or I will be pushing the issue legally as this was NOT MY FAULT because their site was not fully functional since implementing their new XRP support wallet!
Consumer complaint received 2017-09-18
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)

My personally identifiable information was obtained from Equifax by an unauthorized third party. As a result the security of my identity will forevermore be in question. Additionally, this incident will cost me both time and money while I attempt to take the proper precautions to reduce my likelihood of becoming a victim of identity theft.
Consumer complaint received 2017-12-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Blitt and Gaines, P.C. (IL)

According to the lawsuit there are to 2 CREDITORS There 's XXXX XXXX XXXX & BLITT AND GAINES , P.C . I do n't know who the DEBT originated from. I only get XXXX hours with XXXX 'S with a wage of only {$9.00} per hour! I never worked for XXXX XXXX XXXX, Also XXXX XXXX XXXX & BLITT AND GAINES. P.C. is asking to me to pay {$6800.00}! That 's equivalent of earning {$4.00} per hour! I pay an AUTO LOAN about {$450.00} per month. So that 's $ XXXX- {$450.00} per month and the leftover is {$390.00} per month or Annual Salary of {$4600.00}. Since this is my livelihood is {$4600.00} per year ; I will get a negative balance of {$4600.00} - $ XXXX= -XXXX! I ca n't pay the $ ( -XXXX ) since I am negative!
Consumer complaint received 2021-03-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp (MI)

Today at XXXX EST-i tried to make a payment and their server says that I am not able to make payments between XXXX ( Pacific Daily Time ) I am in EST zone so this should not affect me. This is the 4th or 5th time this has happened. I've brought threats of the CFPB and this company doesn't seem to care. I am trying to pay additional principal down and their website will not allow me to.
Consumer complaint received 2019-03-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: STERLING JEWELERS, INC. (NM)

XXXX and XXXX XXXX company keeps calling myself and family members multiple times, saying i have a lawsuit againt me from a debt from XXXX XXXX. Which i did have a debt with them in the past. i did payoff that debt and cleared it from my credit report from all 3 credit buerls. So this comoany is saying they tried suphena me many times could not get a hold of me so there are marking it up as a refusal to sign and now they say i have to appear in court. I told this company i have already settled this debt and will report them to the police. They hang up on me at this point or start yelling at me saying there sendind me to court. I have not received anything on the mail or no one has come to my address where i have lived the passed 12 years so im not hard to find. this company is harrasing my family and i. i really would like it to stop
Consumer complaint received 2020-11-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (AZ)

On XX/XX/XXXX I sent XXXX XRP worth around XXXX $ from my Coinbase Wallet to Coinbase exchange account. After around 10-20 mins waited for the funds to be transferred from my wallet to exchange account however I never received it and no longer have the amount on either account and when I go to XRP transaction scan it shows the transfer was successful. Thinking it might be an error on my part, I went and double checked that I correctly put it the receiving address for the exchange account I was sending to and to my surprise the address is correct. So somehow XXXX XRP worth roughly XXXX $ is gone. I submitted a help request to Coinbase but have little to no faith they will actually assist me. I know I havent give much time to resolve this but its a lot of money and I'm panicking because I dont want my money to be lost forever. 

Coinbase Account email is XXXX The xrp transfer can be see on XXXX  this is the transaction number : XXXX
Consumer complaint received 2018-09-27
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. (CO)

I've exhausted all efforts to correct this with XXXX XXXX XXXX XXXX and they refuse to address it. I've filed numerous disputes via all of the credit bureaus and it's still showing up on the credit report incorrect. 

They are reporting a 30 day late for XX/XX/XXXX. I will attach screenshots of the XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX payments on THEIR OWN statements showing the payments were made.
Consumer complaint received 2019-03-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (NJ)

HYUNDAI MOTOR FINANCE DID NOT CORRECT PAYMENT DISPUTE AS PROMISED YOUR COMPLAINT On XXXX, a payment due for XX/XX/XXXX, in the amount of {$350.00} was submitted from one of my checking accounts, posted, then was reversed. The SAME DAY, I submitted another payment, in the amount of {$350.00} from a DIFFERENT checking account. The 2nd payment posted to my Hyundai account, reduced the principal balance, but the DUE DATE did not update. Hyundai has acknowledged there was a " glitch '', but failed to correct my due date. Hyundai opened a complaint, but no resolution has been made. The funds were deducted from my XXXX XXXX " XXXX checking '' account, trace ID # XXXX on XX/XX/XXXX. Per Hyundai 's own payment history, which they provided to me, my principal balance on XX/XX/XXXX was {$16000.00}, and after the XX/XX/XXXX payment posted, my principal balance was then {$15000.00}. I struggled to make two more payments in the month of XX/XX/XXXX to bring my account current, but my due date has still not been corrected. 

ATTACHMENTS Hyundai payment posting discrepancy.pdf ( 104.3 KB ) XXXX XXXX Hyundai XXXX ( 80 KB ) View full complaint Sent to company STATUS Sent to company on XX/XX/XXXX We've sent your complaint to the company, and we will let you know when they respond. 

Company still working STATUS Company response is in progress as of XX/XX/XXXX The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. 

COMPANY 'S INTERIM RESPONSE Hyundai Motor Finance requests additional time to research and respond to this complaint. 
Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with non-monetary relief Company 's Response *******Hyundai Motor Finance ( HMF ) has researched the account of XXXX XXXX and apologizes for any inconvenience. At this time, HMF has given proper credit for the payments made by Ms. XXXX and confirms that the next payment is due on XX/XX/XXXX. Any negative credit reporting related to this issue has been updated. ***************** DESCRIPTION OF NON-MONETARY RELIEF Payments were credited and credit report and due date updated. *********************
Consumer complaint received 2020-12-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (ID)

On XX/XX/XXXX there were three unauthorized transactions on my PayPal account.

Two deposits from a person named XXXX XXXX, Whom I don't know : {$550.00} and {$2700.00}. 

On the same day, there was a transfer out to a credit card ( which is not mine ) {$3300.00}. 

I disputed all three transactions. PayPal removed the two deposits but refused to remove the transfer out, saying that it was my responsibility to file the dispute with the credit card. Of course, I can't do that since it's not my card. 

The end result is that PayPal says my account is overdrawn and I owe them {$3300.00}. 

I have made many attempts to resolve the problem but PayPal won't listen.
Consumer complaint received 2021-04-27
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A. (CA)

I have a submitted an application to Citi bank to refinance my mortgage, the application was approved and all required document was completed and submitted. I Initiated the application back in XX/XX/XXXX, an appraisal was completed on XX/XX/XXXX. I was given a closing date of XX/XX/XXXX and I had the rate locked. Since then and the bank keeps on pushing the closing date and until this moment they haven't closed the loan. They have changed the closing date 4 times, and every time they push it a month. last date was XX/XX/XXXX and it has been changed again to XX/XX/XXXX. I have contacted the bank many times and complained but every time I get the same answer that they have too many applications and it will take time. I was promised my loan should be completed within 3 to 6 month and now we almost at the 6 month and nothing has happened. I had an offer from a different lender and Citi Bank matched that offer, now I'm stuck with them since the rates are higher and I can't go with anyone else. The refinance loan is for XXXX with XXXX cash out. The APR is XXXX % for 30 years.
Consumer complaint received 2020-05-29
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

dscount auto never late XXXX XXXX ftc violation XXXX XXXX l ( all account could not fit o FTC report ) credit collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( HOW ITS LISTED ON MY REPORTS ) XXXX XXXX XXXX XXXX XXXX XXXX INQUIRES THAT NEED TO BE REMOVED XXXX/XXXX   XXXX XXXX
Consumer complaint received 2020-11-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (NV)

I was wrongfully reput a negative mark on my credit reports a debit not owed it was legally removed once and it was sold off to a 2nd collection and hit my 3 credit reports I have asked Aaron collection agency Aka AARGON AGENCY INC XXXX XXXX XXXX XXXX XXXX, NV XXXX for verification and stated a fact I needed a signed contract that I did indeed owe this bill all the would do is send me a list of charges stating accept this letter and list of charges as proof no copy of id was given to me and signed signature and not signed contract this was sold to them by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Consumer complaint received 2019-03-04
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: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I send money via XXXX which is link to my Chase Freedom Credit Card I send money to XXXX XXXX for {$600.00} I did not purchase or receive any kind of Service. 
I was chatting with a person in the Internet and I was told in order to set up a meeting I would need to send money for {$600.00} to XXXX XXXX. 
Later I discovered that it was a complete Scam there is no meeting. I Immidietly inform my Bank Chase and XXXX to cancel Transaction. I was issued a Refund via Chase Freedom and the Transaction was canceled. 
Then on XX/XX/XXXX Chase Freedom process the {$600.00} Transaction of the money I send to XXXX XXXX and the refund was canceled. 
I called and set up a complaint. Chase is in Favor of XXXX claiming charge is Valid. 
I set up a complaint. XXXX didn't want to do anything.
Consumer complaint received 2020-11-25
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: DISCOVER BANK (NY)

On Friday XX/XX/XXXX, there were five charges to my Discover card ending in XXXX for {$84.00} each and one charge for {$44.00} totaling just short of {$500.00}. I've had issues previously with younger siblings using my card to buy online content without my consent, so I froze my account. The only time a transaction is supposed to be authorized is if it's a recurring subscription, or, I manually log into my bank and unfreeze it. I contacted Discover, disputed the charges, and was issued a temporary refund that was however reversed when the bank took the side of the merchant since the merchant stating that the charges were valid. The charges were never supposed to be authorized in the first place, that's the reason I froze my account in the first place. Discover informed me that XXXX originally marked the charges as one time normal charges, which they were, but because my account was locked, discover denied the charges, so XXXX fraudulently issued a charge back, a second time, but this time, marking them as recurring subscriptions. I don't have 5 subscriptions from XXXX for {$84.00} each and 1 for {$44.00}. So why would they charge it as a subscription? That's fictitious and highly fraudulent. I tried contacting XXXX for a refund and explaining the situation but they wouldn't even budge, who in their right mind spends {$500.00} on in game purchases, especially in the midst of a pandemic where they can barely even afford to do so because they're out of work.
Consumer complaint received 2020-05-29
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)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible.. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CO)

First, thank you your time with this issue. In XXXX  of this year our mortgage company, MyLoanCare falsely overcharged us on taxes by {$3600.00} on our county taxes so our account was showing that our escrow wasn't enough. Our actual taxes are {$860.00}, not {$4500.00} for the first half of the year, plus an additional {$4500.00} for the 2nd half totalling in {$9000.00}, which is a very large difference compared to what our actual county taxes are. We caught this and reported it to the company over the phone in late XXXX, and in writing on XXXX, XXXX, XXXX, and XXXX. We have attempted multiple calls on recorded lines as well with their company on XXXX, XXXX, XXXX,XXXX, XXXX.  

They are now trying to charge us {$2700.00} for our mortgage payment that normally should average around {$1500.00}. They also have not provided any confirmation of any refund of what they falsely charged us
Consumer complaint received 2019-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (PA)

Equifax has not sent me a complete credit report with all my pages missing. Also the practices of updating current accounts paid off. Sending reports with missing pages. I also have a block on promotional and marketing and third parities does not have my consent nor have I given permission or sign anything to sell my info or share with out my consent.
Consumer complaint received 2017-09-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (DC)

FedLoan Servicing ( run by the Pennsylvania Higher Education Assistance Agency ) has repeatedly put my loans into forbearance due to their inability to properly process paperwork and unreasonably extended the amount of time until I am eligible for Public Service Loan Forgiveness ( PSLF ) by 9 months. 

I graduated with roughly {$150000.00} in federal student loans ( all XXXX XXXX, XXXX and XXXX XXXX XXXX in XXXX and began payments in XXXX XXXX. My loans were first with XXXX XXXX XXXX XXXX and were then transferred to XXXX XXXX. 

I submitted my first PSLF certification paperwork in XXXX and my loans were transferred from XXXX XXXX to FedLoan in XXXX XXXX. For some reason, despite the fact that my Income Based Repayment ( IBR ) plan was valid until XXXX XXXX, FedLoan put me in the XXXX XXXX plan. When I called to get this fixed, they said they saw that I was on the IBR plan at XXXX XXXX and it should have transferred, but they would put my loans into forbearance while they tried to work this issue out ( and failed to mention that would mean those months would not count towards PSLF ). After about 4-5 months, they finally acknowledged I should be in IBR and payments resumed. 

In early XXXX, when I later transferred from the IBR plan to the Pay As You Earn repayment plan, they took several months to process this paperwork and again placed me in forbearance during this time. No one mentioned the impact this would have on PSLF. 

When I checked on my account recently and saw the estimated PSLF eligibility date was now XXXX XXXX when it should have been XXXX XXXX, I called them for an explanation. The customer service rep stated that because I was placed in forbearance during those two incidents for a total of nine months, I lost nine months of eligibility. When I explained that the only reason I was put in forbearance was because FedLoan had failed to properly process documents both times, the service rep stated that there was nothing that could be done and that the PSLF rules simply state any forbearance periods do not count towards eligibility. They did not offer any solution and refused to credit me some of the months that were due to their own processing problems. 

I think it is wrong that the consumer is punished for problems the loan servicer has in processing paperwork in a timely manner. I could understand losing a month or two ( and likely would n't have written in ), but 9 months represents a significant portion of time added to my loan repayment plan. I noticed that the Massachusetts Attorney General filed a complaint regarding this very issue, and that the CFPB has already received many complaints along this line, but wanted to add my voice to the chorus to help drive home how often FedLoan is doing this to consumers.
Consumer complaint received 2017-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (WI)

Having spent many hours of my time in frustration attempting to enact credit reporting freezes with the three reporting companies, I am compelled to share just a small measure of my experiences. 
An attempt to create an account with Equifax online ended when I failed to answer one question correctly. I did not know the exact amount of my monthly auto loan payment. I was instructed to call their XXXX number to speak with an agency representative. My first attempt to contact them failed. During my second attempt after a 30 minute wait on hold, I answered all the Customer Service Representatives questions correctly and was told to email or fax all of the following : - Full name - Address - Social Security # - Photocopy of Drivers License - Photocopy of utility bill showing my name - Phone number - Email address Quite frankly, since they had allowed most of this information to be stolen already, I was reluctant to share even more information with them ( and esp. via unsecured means ). At this point, I do not know whether a reporting freeze has been placed, or even if I have created an account with them. 
Next, I attempted the same process with XXXX. Long story short, I was told that the cost of placing a freeze was {$19.00} and needed to be subscribed to their credit monitoring service and when I cancelled the subscriptionsomething I never wanted and was enrolled in without my knowledgethat the credit reporting with them would be unlocked, in this case after 30 days. After speaking at length with a Customer Service Representative, I felt that Id gotten nowhere. Wisconsin state law requires that a fee of not more than {$10.00} should be charged to lock or unlock. 
Today, I attempted to create an account and place a freeze with XXXX. The process appeared to be proceeding smoothly until the very end when the website was verifying my identity and apparently locked up. At this moment Im not sure the freeze was placed or if I even have a login with them. 
I urge you in the strongest terms to INVESTIGATE, REGULATE AND OTHERWISE HOLD ACCOUNTABLE the credit reporting industry. Further, to prosecute and punish to the fullest extent of the law, any individuals involved in wrong doing in this fiasco. The potential damage from this mess realistically can or will have life-long consequences. Please do your part to help mitigate the damage.
Consumer complaint received 2020-12-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (CA)

Current loan servicing provider TMS INC XXXX XXXX XXXX XXXX, TX XXXX XXXX. Called TMS ON XX/XX/27 to find out why my online balance was XXXX. They advised me my loan was sold XXXX to another service provider but refused to give me any info on who new service provider is. I ask to speak w supervisor was disconnected. Called TMS BACK spoke to XXXX who gave me XXXX XXXX as new service provider XXXX. Same day XX/XX/27 called XXXX XXXX. They hv NO record of my loan ever, spoke to two people who advised me to call TMS BACK. TMS is not resolving this issues and as of now XXXX I do not know who is servicing my loan. Need help to resolve. Thank you