davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (NY)

My Coinbase USD account sustained a loss of approximately {$60000.00} through a series of unauthorized transfers on XX/XX/XXXX. My account was a funded USD account ( not a cryptocurrency account ). I reported the situation to Coinbase support later that same day ( XX/XX/XXXX ), and the correspondence continued by email for the next three weeks.

Coinbase asserts that I am fully liable for the loss because they " had no reason to distrust the activity in question. '' - Because my funds were in a prepaid USD account and because I reported the breach within two business days, Regulation E limits my total liability to {$50.00}.

- To support their position that I am liable, Coinbase made several demonstrably untrue statements regarding the unauthorized activity, concealing and omitting events that should have raised their suspicion ( see attached email ).

In compliance with the Coinbase Terms of Service, I submitted a complaint on the morning of XX/XX/XXXX disputing Coinbase 's determination. The Terms of Service state that Coinbase will acknowledge receipt of the Complaint after it is submitted.

Coinbase has sent no such acknowledgment.

The full email chain of my correspondence with Coinbase is attached.
Consumer complaint received 2020-10-24
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. (NC)

I have tried to get this information clear up from all three of my credit report. The bureau inform me that they would not investigate again. The items on my report should have been of my report because the seven years has been up. They have me down as late payment on my mortgage. My report is not right I have tried several times with them to get it resolved. I have call each credit bureau at sixteen times concerning my credit report. I am a  XXXX veteran. Im getting depressed dealing with this..
Consumer complaint received 2018-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (PA)

On XX/XX/XXXX, I filed for Chapter 7 Bankruptcy protection. One of my creditors was a  Synchrony Bank/XXXX account that had an outstanding balance. I also had a Synchrony Bank/Care Credit Card that had a {$0.00} balance and was never late that I choose not to list on my bankruptcy petition per my attorney. My Synchrony/Lowes account was immediately closed by Synchrony Bank upon filing of the petition, however, my Care Credit account remained open. I used my Care Credit Account on XX/XX/XXXX for a pet emergency and charged {$220.00} on my card and it wasn't rejected. My Chapter XXXX Bankruptcy was discharged on XX/XX/XXXX and the Discharge Notice was sent to the creditors. On XX/XX/XXXX, I made an electronic payment of {$220.00} on my Synchrony/Care Credit account, paying off the outstanding balance. XX/XX/XXXX, Synchrony Bank closed my Care Credit account and initially reported the account as a Charge Off and I contested it, since it was never late and in good standing. I contacted them and questioned the action and the bankruptcy department at Synchrony Bank told me to basically put it in writing. I mailed the same complaint via a letter with all the attachments requesting that this be corrected back on XX/XX/XXXX via Certified Mail and it was received by them on XX/XX/XXXX per the tracking. I have filed disputes with all 3 major credit reporting agencies and Synchrony Bank apparently refuses to correct their mistake by reporting my Synchrony/Care Credit account as Included in Bankruptcy. It is also obvious that they are linking both of my accounts to the bankruptcy through my social security number and not the actual account numbers. The account was Closed by the Credit Grantor and at the time of closing it was Never Late, with a {$.00} balance and in good standing and should be reported as such.
Consumer complaint received 2021-08-06
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. (TX)

ALL 3 CRA FAIL TO SEND UPDATE CREDIT REPORTAND CONTINUE TO REPORT ACCOUNTS NOT MINES : '' XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX '' ... .NEVER DONE BUSINESS WITH COMPANIES AND OUTDATED REPORTING ON FILE
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 — Account information incorrect
Company: EQUIFAX, INC. (NY)

My XXXX XXXX Balance is still reporting incorrectly on all 3 credit Bureaus for the sum of {$3200.00}. The correct balance should be {$1400.00}.
Consumer complaint received 2018-06-18
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. (MN)

I have spoke to Chase to report unauthorized charges on my account, I was I going get letter in the mail to sign and return back, I was also told I would get temporary credit on the account, neither happened. 
Chase Sapphire Card
Consumer complaint received 2022-08-05
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: EQUIFAX, INC. (NY)

Equifax has been assuming the role in assembling and evaluating consumer credit as well as other consumer information. Besides the fact that Equifax reporting false credit scores has lead to higher interest rates they have failed to exercise their grave responsibilities of fairness, impartialities and respect to my right to privacy.
Consumer complaint received 2020-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

I have sent four certified letters to Equifax - Tracking # XXXX Delivered XX/XX/XXXX XXXX Tracking # XXXX Delivered XX/XX/XXXX XXXX Tracking # XXXX Delivered XX/XX/XXXX XXXX Tracking # XXXX Delivered XX/XX/XXXX XXXX One for every 30 days since XXXX. I have asked to verify all XXXX Accounts with names and update all accounts with corrected dates. I have yet to be successful. All they responded with is the same thing that is being reported. All these accounts are outdated and showing incorrect dates of last payment and its restarting the statue of limitations of 7 years. They are not giving me absolutely no updates and 4 of these 7 accounts of XXXX have been deleted from my spouse 's account that have the same account numbers and balances since I was joint on her account. Amounts that have been deleted on my spouse account are {$6300.00}, {$4700.00}, {$4700.00} & {$6200.00} on Equifax. I have called numerous of times Equifax starts a dispute and I wait the time limit and they give me no updates on any of my accounts. I feel this is all an injustice on my reputation of an old account that I am being held accountable and Equifax is not reporting my account correctly. All seven accounts should have been deleted years ago. It's showing a last payment in XXXX and XXXX so it resets it's time and that is inaccurate. On one report it showed a payment of {$1.00} and that is not accurate. Re-setting the time on all these XXXX Accounts is such an injustice. I have sent them proof of deletion from other credit bureaus ( Certified Tracking # XXXX )
Consumer complaint received 2022-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (AZ)

I booked a flight through Chase travel last year but had to cancel due to XXXX. My best friend booked the same exact flight with me as we were going together onto the trip, but directly through XXXX XXXX and got her full refund travel credit and used it with no issues. After XXXX hours on the phone the representatives told me that only {$1.00} of my {$230.00} credit would be able to be used and could not give any sort of explanation. They offered me {$100.00} rewards credit but that is losing more than half of my value for no reason other than Chase is taking my money. I declined and ended the conversation due to extreme frustration to try again another day. I called again and the representative lied to me and said they were booking a main cabin ticket because he was not able to book a basic economy ticket that I was looking at online for {$150.00} and instead booked one for about {$350.00} and change and it was more expensive because it was main cabin ( a better ticket ) and that was all he could do. He lied and upon checking my booking online at united.com the booking is still available for {$150.00} and I checked through Chase travel and it is still available there for {$150.00} and doesn't even give me the main cabin option, and he actually booked a basic economy so I can not even bring a bag on board! So he essentially took even more money from me as I paid the {$110.00} difference in ticket prices but actually gave me the lower priced basic economy ticket with no carry on bag even. The representative has lied to me and wasted my time XXXX hours later from yesterday and today please help me. I have called so many times and have tweeted them and no one at Chase cares to help, just take more money from me.
Consumer complaint received 2020-10-13
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. (NJ)

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FRCA-they are required to " ... promptly delete all information which can not be verified '' that I have disputed. 
Please resolve this matter as soon as possible. Thank You
Consumer complaint received 2020-12-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (SC)

I am XXXX and have a checking and savings account at Wells Fargo and I live in two places because I am trying to get a permanent home and have been on XXXX for 16 years so my income is low. I had around XXXX dollars In savings to get a safe place to live its been 8 years since I have been in a home of my own. I have a XXXX  XXXX so I looked at my bank statement and there had been XXXX withdrawals over a month or so I did not do. I submitted a fraud and cried for a week that was the only hope I had to get a home of my own. They sent me a letter and basically said they had decided I did it or I had someone do this. I was so hurt I called them they treated me like I was lying. I swore to them that I did not do this and the man was rude they wouldnt even decays it. They sent me a letter that said they would send me the information on how they decided I did it in there investigation and I have not heard one thing from them I called back and they said they would turn it over to the next step up. But I have heard nothing. I have never done anything at my bank and then said I didnt. Thats all the money I had for a home, now I a XXXX. Please help me I promise my life on it I didnt do this. I live in a unsafe environment because I am low income and am prayed apon please help me
Consumer complaint received 2021-08-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/XXXX I notified chase of suspicious activity with my accounts. There was a new checking account I had never opened. There was also a strange email address associated to my accounts. When I called chase they told me they were canceling that account and restricting my accounts. On XX/XX/XXXX, {$24000.00} had been withdrawn out of my savings. This happened in XXXX New York. I live in XXXX. I also learned that chase mailed out a debit card to an address in New York when they are fully aware that I have lived in XXXX for the past 32 years. I have called them to file numerous complaints and to get my funds back but they keep closing my claims and not providing me with reasoning or updates. This has been the most stressful month it has even affected my performance at work, my mental health and not to mention I have had serious financial problems due to this.
Consumer complaint received 2020-06-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (RI)

My loans had gone into default and in late XXXX I started the processes of consolidating them and bringing them into good standing. The consolidation process comes with a period of time to change or amend things. I received my consolidation packet in the mail AFTER the date it said I could make changes/amend the agreement. I immediately called My Great Lakes and they said that today is the day that everything was consolidated and because they didnt hear from me theres nothing they can do. HOW COULD I CONTACT THEM BEFORE I RECEIVED THE INFORMATION? Its ONE DAY and with Covid everyone knows the mail has been notoriously slow. Im so angry/frustrated. They CAN help me, they just dont want to. Ive told them that as soon as I got the consolidation packet I saw two incorrect items and those are the ones ai didnt want to include in the consolidation. Theyre refusing to help me. Its really gross on their part.
Consumer complaint received 2021-08-06
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. (PA)

Despite the multiple previous written requests in Equifax Credit Bureau, the unverified accounts listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These are the accounts that need to update or remove from my report immediately. 
XXXX XXXXXXXX-Balance {$0.00} XXXX XXXXXXXXBalance $ XXXXDate Opened : XX/XX/2018 XXXX XXXX XXXXXXXXBalance {$1100.00} ( Original Creditor : Medical ) -23062-Balance {$110.00}
Consumer complaint received 2022-01-05
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. (FL)

I opened a credit card account with XXXX in XX/XX/2021 this account was open for XXXX months with payments successful, however XXXX and XX/XX/2021 I asked the bank to lower my monthly payments in an effort to stay current with my payment agreement. The bank agreed yet on my credit report months later the account reflects XXXX negative past due balances in XXXX, XXXX and XXXX but positive on time payments in XXXX, XXXX and XXXX.
Consumer complaint received 2020-06-30
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. (FL)

I refinanced my mortgage with XXXX XXXX XXXX in XXXX XXXX. I have public record of the mortgage being satisfied as of XXXX XXXX. It was brought to my attention in early XXXX that XXXX was still showing the account on my credit report ; I was trying to apply for a loan interest credit account offered to me through a local teacher 's credit union. They brought it to my attention that my credit report showed my mortgages at double what I claimed. I contacted XXXX and confirmed via mail that they showed my loan as " satisfied '' and they mailed me a " copy of lien release '' showing what they had on file. 
I am in the process of refinancing again. For the last year my credit score remained low and I did not know why. During the title search process it has come to light that XXXX SOLD my loan to a servicing company, XXXX ( XXXX. XXXX ) which sold the loan to XXXX ( XXXX XXXX ) 6 months AFTER the loan was satisfied. XXXX has never sent me any info regarding holding my loan and I currently pay XXXX XXXX for my loan and they are the rightful owner of my mortgage as the loan was transferred to them in XXXX. I have all the legal documents on file with my count tax collector and will pursue this as best I can. XXXX XXXX XXXX illegally sold my mortgage 6 months after they were paid.
Consumer complaint received 2021-08-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A. (TX)

On XX/XX/2006 I purchased a home from XXXX XXXX. Mrs XXXX had financed her home through Citibank. The closing documents show that Citi was paid in full during my purchase. 
Citi never released the lien, they are shown as outstanding lien holder on recent title search. I am trying to do a refinance and can not due to this lien. 
I have faxed and emailed Citi all the requirements from their website but they will not respond which leaves me unable to do anything with the home
Consumer complaint received 2021-04-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL (AK)

XX/XX/20-I purchased a " diamond '' ring using paypal credit on ebay. I was charged {$2500.00} on my paypal credit card. 
XXXXI received a letter from my jeweler verifying that the ring was not a diamond. 
XX/XX/20-I asked for a return from the seller, seller authorized return but stated they would not be sending me a return label for return shipping, they said " I can't send you a label. '' XXXX shipped the ring myself to seller in the country XXXX as I only had 60 days to get the product back to the seller ( paypal rule money back rule ). 
XX/XX/20-I received an email notification from XXXX that the seller " refused '' to pick up the package, citing he did not want the delivery. 

I opened a case with paypal and they reversed the charge, they in turn, reversed the charge and I have the balance on my paypal credit. I have worked with XXXX, who has refused to do anything as they said they had no liability since I opened a case with paypal. I opened a case with paypal who said I need to go through Synchrony Bank as the bank owns paypal credit. I have filed 4 disputes with Synchrony Bank and the last 3 have ended with them contacting the seller and he citing that I owe him the money. I have a dispute case open with Synchrony Bank which will end soon, but given how it has gone thus far, likely not in my favor. In the meantime, the seller is still on ebay selling fake jewelry. XXXX has been made aware of this by me on numerous occasions.
Consumer complaint received 2019-05-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: EVERBANK, NATIONAL ASSOCIATION (CA)

To Whom It May Concern, I'm writing today to ask your assistance in helping my wife and me secure an equitable loan modification that will allow us to remain in our XXXX home. We simply dont know where else to turn, as you will understand after reading our story. 

For the past 10 years, weve lived with the knowledge that our home is in pre-foreclosure status despite our best efforts to secure a loan modification from XXXX, XXXX XXXX, EverBank and now TIAA Bank. Full disclosure : We did renege on a previous modification that was unfairly handled by the banks ; for two years, we made monthly payments of {$2400.00}, but we simply could not afford the inexplicable 50 % increase to {$3600.00}.

Weve been told various different reasons why we dont qualify, creditworthiness, financial, not enough equity and the investor, who we've been told is XXXX XXXX but supposedly is XXXX, just won't approve it. The first time about five years ago was supposedly due to our credit, despite the fact that we had credit scores over 700 ; we have no car, student loan, or credit card debt ; and our small business has experienced exponential growth over the past few years, significantly improving our financial situation. 

We are taxpayers, members of the XXXX XXXX Chamber of Commerce, and supporters of our military and veterans as well as many local charities. Were assets to our community, even with the potential of losing our home hanging over our heads. It has also been a huge stress on my wife 's senior mother who we help out by having her live with us. 

We have an excellent accountant whos been helping us with the loan modification paperwork and has quite a bit of evidence to support that weve been given the run-around by the lenders. He also has two other clients in our same exact situation but different banks and he was able to get them both a loan modification. Weve paid thousands of dollars in legal fees over the past 5 years to prevent a foreclosure, but are truly stumped over what to do next. Were not even sure who owns our loan, as it was securitized. It was transferred to XXXX by a confirmed robo-signer and now XXXX XXXX claims ownership out of thin air. 

Its important to note that had a modification been approved 5 years ago, the money that went to our attorney and accountant would have gone toward paying down our loan. Instead, our arrears have increased, making it harder to get the loan modification and putting our house in a negative equity position. 

Can you help? We would really appreciate it.