davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

XXXX XXXX issued a credit card under my SS # on XX/XX/15. I would have been XXXX old at the time. I did not apply for this card and was not even old enough to legally have a credit card. XXXX XXXX did not perform their due diligence when approving this card. XXXX XXXX then sold the debt to Portfolio Recovery Associates. I have contacted them on 2 occasions to file a dispute and advised them of my birthday and the situation. All they keep doing is responding by providing me with the account information from XXXX XXXX as the seller. This is not a valid debt. This all started due to the negligence of XXXX XXXX. They will not help since the sold the debt and Portfolio Recovery Associates is ignoring the fact that I was XXXX old when the card was taken out. They even confirmed with me that the date of birth on the account was not mine. This needs to be resolved and has been going on for months. All they have to do is match up my social with my birthday and they can see that I can not possibly be legally liable for this debt.
Consumer complaint received 2024-03-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: PENTAGON FEDERAL CREDIT UNION (MS)

Pentagon Federal Credit Union ( PENFED ) intentionally delayed processing of my mortgage loan so I could qualify for their mitigation program after using fake algorithms to determine I was not credit worthy to refinance a loan I had faultlessy paid for over 15 years, as well as a first mortgage for 20 years. My complaint is that they turned my late payment over to the credit bureau which prevents me from ever getting a VA loan to pay off their lucrative loan terms for this contract. I had a {$210000.00} loan approved with XXXXXXXX XXXX XXXX to pay off both mortgages at PENFED when the late mortgage payment was posted on the credit bureau and XXXX rejected the application. Complaint number XXXX was closed. It falsely interpreted the complaint as " Incorrect Information on Your Report ''. The information is not incorrect. The complaint is PENFED should have never reported this internal wrongdoing to the credit bureau as a misgiving on my part. I submitted refinance paperwork in adequate time for processing. They intentionally delayed processing so I would qualify for a program they have set up for borrowers who are having trouble paying their mortgage payment. I have never had problems paying my bills! I asked them to remove the late payment from the credit bureau and they refuse. This is malfeasance of a lending institution, if there is such a classification I am attaching correspondence that validates PENFEDs lackadaisical processing of my loan application.
Consumer complaint received 2023-02-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc. (NJ)

I received a bill for {$32.00} dated XXXX XX/XX/XXXX with account number XXXX it seems that the company is from XXXX with account number XXXX the question I ask is why is this bill coming to me now in XXXX
Consumer complaint received 2024-03-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I had a charge for {$26.00} dollars for a service not provided. Bank of America made it impossible to reach someone to dispute. After reaching someone with a complaint to cfpb they reached out and gave a temporary credit which they removed after few days. We never got any merchandise and went called back one agent hanged up, another one in AZ said that merchants are always right saying he will close the case. After attempted to resolve and when calling again either a recording says the service center is closed or they put on hold and disconnect. Bank of America is being dishonest and disrespectful.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (CA)

Please promptly eliminate the unauthorized and fraudulent inquires from my credit report. thank you Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: General Motors Financial Company, Inc. (CA)

Please promptly eliminate the unauthorized and XXXX inquires from my credit report. thank you Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (PA)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE, THE ITEMS I NEED TO DELETE ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT YALL REMOVE THESE ITEMS FFROM MY FILE TO CORRECT MY CREDIT REPORT. I ALSO REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSION & ENCLOSED COPIES OF THE FEDERAL TRADE COMMISSIONS IDENTITY THEFT AFFIDAVIT. REMOVE THIS ITEM IMMEDIATELY OR MY ATTORNEY WILL BE INVOLVED
Consumer complaint received 2020-11-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (CA)

Coinbase has my bitcoin stuck in a " vault '' unable to be accessed by me. They have not responded to my numerous attempts at support. 

XXXX Situation : ============= On Tuesday XXXX XXXX, 2020 I tried moving Bitcoin from my Coinbase " vault '' account to my Coinbase " wallet '' account. The vault is a more secure account requiring authorization from two separate email accounts. I initiated the transfer. Emails were sent to both my email accounts. I successfully clicked " Approve Withdrawal '' from both email accounts as necessary. However, Coinbase only shows my primary email account as being approved rather than both email accounts leaving my money is stuck in the " vault '' unable to be used at all. 

This has been a known " bug '' or issue with Coinbase for several years and yet it still occurs. This is utter negligence and known by Coinbase who are not taking proper responsibility. See : XXXX : XXXX https : XXXX https : XXXX https : XXXX * Actions Taken : ============= - I immediately filed a support request with Coinbase on Tuesday XX/XX/2020 at XXXX PM PST. XXXX # XXXX - Transferring from XXXX XXXX To XXXX. 

- I sent an email to the general coinbase support at XXXX on Tuesday XX/XX/XXXX at XXXX pm PST with subject " Transferring from Vault to Wallet stuck on Pending Approval ''. They no longer check this email or accept support request through this email. 

- I immediately went to the internet looking for other users with the same issue and directly messaged users " u/coinbasesupport '' and " u/justin_coinbase '' on XXXX. Direct messages where sent on Wednesday XX/XX/2020 at XXXX UTC " Can't Transfer from Vault to Wallet Case # XXXX '' - Found the following thread with a similar user on XXXX and posted. 
XXXX : //www.reddit.com/r/CoinBase/comments/jvxlag/trying_to_transfer_money_out_my_vault_to_my/ - I called both the general and XXXX specific Coinbase phone support lines on Tuesday XX/XX/2020 at XXXX pm PST. The phone support is only if you are locked out of your account and they have absolutely no human support. Utterly useless to a customer in need. 

- I filed another support request with Coinbase on Wednesday XX/XX/XXXX at XXXX XXXX. 
XXXX # XXXX - Transferring from XXXX to XXXX stuck on XXXX XXXX - All of these support requests and attempts have resulted in no response or acknowledgment. All while my money is inaccessible to me. 


XXXX XXXX XXXX : =============== If this occurred in a normal legitimate bank such as XXXX XXXX, XXXX, or a local credit union they would be all XXXX this. Government and oversight agencies would hold them accountable. The same needs to occur for Coinbase. 

Not responding to customer requests in a timely manner when it comes to financial products is unacceptable. Not being able to talk with a human is unacceptable. 

Having a company know about this issue for XXXX years and still not address the issue or root cause is negligence and is actively harming customers.
Consumer complaint received 2023-04-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WV)

1.My debt was paid to the original creditor, XXXX XXXX, in full. I have no outstanding debt with XXXX XXXX, and no reason for Portfolio Recovery to continue to claim that I do. 
XXXX. I notified Portfolio Recovery that a. the debt was already paid and gave them documentation that showed proof of this payment through both email, chat and priority mail service. b. they continue to incorrectly report an open account with them to all three credit reporting agencies. c. that since the debt was already paid, they had no right to report my account to those agencies. 
XXXX. Portfolio continues to report that I have an account with them that is unpaid and open. I have given them verifiable proof, and they are just ignoring it to be malicious. Each of the reporting agencies has verified that Portfolio Recovery maintains it has an open account for me for the referenced debt. 
XXXX. As the debt was paid to the original creditor, Portfolio Recovery is required to remove their notation from my credit file.
Consumer complaint received 2021-02-25
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

XX/XX/XXXX when I was in Colorado on a business trip my debit card stopped working. I called in to Bank of America they told me that my accounts where closed. I went into a branch in CO. The branch manager suggested I could take my funds out of my checking while BOA was trying to get back to me on why they closed my accounts. However, I was not able to take my funds out of my savings, which had XXXX in it. BOA said they had to mail that check regular postal mail with no tracking number. This was ludriucris to myself and the branch manager given the amount. I have been calling several times to try and figure out why as of today XX/XX/2021 I still have not received my money in my savings. One lady told me when I called in it was sent to an old address and returned. However I made it abundantly clear what my new address is and clearly BOA has it considering they mailed me a lettering stating they closed my accounts. I received that on XX/XX/2021 but still NO CHECK! When I called again another lady stated it could take 90-120 days. When I asked when the check was cut she said XX/XX/2021! It is in cashier form with NO tracking number! That's just ridiculous. Another branch manger yesterday XX/XX/2021 could not understand why a branch was not able to just cut a cashiers check and put in my hand. I was hold once again it would have to be mailed US postal service not XX/XX/XXXX over night. I need my money please! I will be calling back today.
Consumer complaint received 2022-06-16
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. (WA)

Before I explain, I want to say my demand is clear and I demand a knowledgeable representative looks over my complaint. Thank you. I pulled my credit report and noticed an alleged charge off account from XXXX XXXX XXXX is still reporting on XXXX and TransUnion. I sent a notice to the creditor requesting for a 1099-C form but they failed to provide me this, so this reported information is not only invalidated but inaccurate because I can only assume they are violating federal law and committing tax fraud if they didnt file and Im ready to report them to the IRS for violating IRS regulations. Ive filed an IRS Form 3949-A which I will be attaching. 

Even if they did file the 1099-C form, it doesn't matter, because regardless this information needs to be deleted because by law it is inaccurate, since a charge off is classified as INCOME and INCOME isn't reported on credit reports. XXXX and TransUnion is participating in fraud with XXXX XXXX XXXX and violating the Fair Credit Reporting Act by willingly still reporting this invalidated and inaccurate information that still has not been deleted from my consumer report.
Consumer complaint received 2022-06-16
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: Experian Information Solutions Inc. (PA)

I submitted a dispute of an item on my credit report, they reported it as a valid debt. When I called the number of who they said holds the debt, the company told me there is no debt on their file. I resubmitted the challenge and they again asserted it is valid, but the company still says it is not in their system. So I have no way to settle the debt, nor remove it from my credit report.
Consumer complaint received 2022-06-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (IN)

I have 2 mortgages with Select Portfolio Servicing ( SPS ). In XX/XX/2022, I mailed in the payments for both mortgages. SPS applied BOTH payments to only 1 of the mortgages. I contacted them on XX/XX/2022 to correct the problem. I was informed from a SPS associate that it could take up to 60 days to correct. On XX/XX/2022, I found out that SPS had reported to the Credit Reporting Agencies, that I was late on my mortgage payment and my credit scores DROPPED XXXX POINTS. I called SPS again on XX/XX/2022 and discussed the problem with them to no avail. They refuse to expedite the correction and now I am fearful that they will report another late payment in XXXX. Yesterday, I applied for a small loan with my bank and was declined due to a low credit score. HELP ME PLEASE!!!!!
Consumer complaint received 2024-03-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

I have recently opened a checking account with Capital One. Everything went good until I sold my XXXX to a person on XXXX  XXXX. They have sent me the money through XXXX. In 2 hours, I have received a mail saying that my checking account has been restricted due to suspicious activity. I have tried calling the bank and provided them with the information regarding the transactions. They have asked me the number of other party for verification and I have provided them. But later without telling me that theyre closing my account, they have asked for my verification and closed the account and said that theyre ending the banking relationship with me. In the meantime, I have registered XXXX with my other bank account and soon after that the bank has got me restricted from XXXX as well. I have tried reaching the XXXX  support team but they said that they have not been provided the information about why they have restricted and asked me to call the bank. I tried reaching the bank again but in vain. I want the help of CFPB, in order for fairness and accuracy of the reason for closing my checking account as well as restricting me from XXXX. Thank you very much!
Consumer complaint received 2023-06-21
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (FL)

I am sending this dispute letter on my behalf. Be advise that I am fully aware of my rights since I studied US laws lately, I know that I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy & medical records from 3rd parties. Let me tell you, I am not allowing any 3rd party collection agency to get my personal financial info. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization
Consumer complaint received 2016-07-28
Product: Credit card — 
Issue: Billing disputes — 
Company: Paypal Holdings, Inc (FL)

PayPal credit open an account for me and there was an immediate charge of {$82.00}. I called over 3 times to try to get an answer for why this was done to no avail. I cancelled the credit line and did sign an affadavit. I was told very nastily that I better pay this amount plus a finance charge and {$25.00} late few. I see that they have paid you a fine of {$25.00} XXXX. I think that they are up to their old tricks. Account number that has been cancelled I hope.
Consumer complaint received 2022-06-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: DISCOVER BANK (IL)

XXXX XXXX PM - I received an email stating : " We're writing to let you know that we noticed unusual activity on your account. For security purposes, we have suspended access to your account. If you have already spoken to us about this, no further action is needed. Here 's what you need to do : Call us immediately at XXXX ( TDD XXXX ) to discuss your account. Our 100 % XXXX-based customer service team is available 24 hours a day, 7 days a week. '' XXXX XXXX AM - I call XXXX in regard to losing access to my online account, after holding for 15 minutes. 

XXXX XXXX AM - I call XXXX in regard to losing access to my online account, and after being on hold for 1 hour and 21 minutes, I hang up, as the wait time was much longer than expected, and I plan on calling back at a later time. 

XXXX XXXX PM - I call XXXX in regard to losing access to my online account, but my phone glitches. 

XXXX XXXX PM- I call XXXX but the line states that the wait time is still over 90 minutes, so I decide to call again later. 

XXXX XXXX PM- I call the alternative number listed in the email, XXXX, being put on hold for 3 hours and 13 minutes, then I am hung up on. 

XXXX XXXX PM- I call XXXX but the line states that the wait time is still over 90 minutes, so I decide to call again later. 

XXXX XXXX PM- I call XXXX but the line states that the wait time is still over 90 minutes, so I decide to call again later. 

XXXX XXXX PM- I call the alternative number listed in the email, XXXX, being put on hold for 30 minutes, speak to a representative, and am told that the line is only for credit card issues, and that I should call XXXX. 

XXXX XXXX PM- I call XXXX, expressing the urgency of not having access to my primary bank account for three days now, am denied a request to speak to a supervisor, and am told my only option is to call the number I've been attempting to call the past three days, but have received no response from. 

XXXX XXXX PM- I call XXXX but the line states that the wait time is still over 90 minutes, so I hold for 27 minutes, and decide to call again at a later time.
Consumer complaint received 2022-06-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Credit Payments have not yet updated, although payments were made. Made payments to two of my Capital One cards, received confirmation of payment from one of my XXXX XXXX accounts, some of my Capital One Bank Cards, and one of my XXXX XXXX XXXX XXXX XXXX, but it didn't update the credit when payment made as was with XXXX XXXX XXXX accounts made in similar time frame. All payments made at similar time, and in a similar way before any deadline, and want to ensure properly credited on day payment made. What is the issue?
Consumer complaint received 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

US DIST CT Account has reached statue of limitation cant be validated {$23000.00} XXXX XXXX XXXX XXXX Validate Account {$7000.00} Us Dept Ed Validate Account/ Different dates of last activity {$10000.00} XXXX Validate Account
Consumer complaint received 2024-03-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (PA)

I don't recall having a contractual relationship with this collection company CAVALRY PORT. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.