davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: AXOS FINANCIAL, INC. (FL)

On XX/XX/2021, I received a phone call from XXXX XXXX XXXX XXXX at XXXX EST. The caller ID showed XXXX, CA as the location. I was greeted by a woman with a slight accent claiming to be an officer for the Social Security Admin office. She asked if my name was XXXX XXXX  and if the last 4 of my SSN was XXXX, I responded yes. She said her name was Officer XXXX XXXX, badge number XXXX, and was calling in regards to case ID : XXXX. 

She proceeded to tell me there was an arrest warrant out for me, that they had discovered an abandoned car in the XXXX XXXX of Texas containing XXXX of XXXX and XXXX. With information from the vehicle, they tied it to my social security number and stated there were 20 bank accounts with multiple illegal wire transfers using my SSN. 

She said she was going to help me suspend my SSN and cancel the warrant, then have an officer come to my location or set an appointment at my nearest office to help clear the fraud. I asked if she could confirm my full SSN, and she did.

Because my " 20 '' bank accounts were to be frozen, she asked me to tell her which ones I needed. I told her I was uncomfortable giving that information over the phone. She then asked me to at least confirm the amount I had in an account ending with a specific 4 digits she gave me. Those 4 digits matched an online savings account I had. I asked if she could give me the full account number of the account ; she proceeded to do so. 

I told her I was uncomfortable providing the amount over the phone. She asked what else she could do to help me feel more secure, so I asked if I could look up the arrest warrant online. She said yes, but that I would have to stay on the phone with her. I agreed, then she asked me to confirm the amount in my account. I said I wanted her to show me the arrest warrant first, to which she told me to hold. She hung up the phone seconds after. 

I immediately called the bank ( AXOS ) and had that account frozen, telling them it had been compromised. Early that morning, I had initiated a transfer from that account to a new bank XXXX XXXX XXXX XXXX XXXX XXXX ) account I opened the day before. I asked if AXOS could cancel the transfer, they said they could not as it was already pending. 

I called the new bank ( XXXX  ) where the money was being transferred to so they could reject it ; their office was closed. I sent an email to the Office Manager who had emailed me the day before to confirm details. 

I called the Social Security Administration to report the fraud, but they were also closed. I submitted a form on their website with the Office of The Inspector General. 

I pulled 3 credit reports from XXXX ; all seems fine. 

I called my local police station and filed a report ; case # is XXXX.
Consumer complaint received 2021-07-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (WI)

On XX/XX/2021 Coinbase Company said I XXXX XXXX. XXXX had insufficient funds to buy crypto currency. I have a balance of XXXX for this day, and Coinbase withdrew XXXX, XXXX, XXXX, XXXX, XXXX, for a total of XXXX withdraws of my funds on this day. There are no insufficient funds, this is an error on Coinbase. I need Coinbase to put my funds back into my XXXX XXXX XXXX bank account. I have provided Coinbase with my bank statement for XX/XX/2021 showing withdrawal of XXXX, and no insufficient funds. The easiest way to look at what happened is to look at my XXXX tokens wallet history. On XX/XX/2021 I converted XXXX  to XXXX tokens. This gave me a total XXXX tokens of XXXX in my wallet. Later in the same day Coinbase XXXX from my bank account, but no tokens for the payments. My XXXX tokens balance is still at XXXX, given no tokens for the XXXX taken out of my bank account. the XXXX would have brought my XXXX tokens wallet balance of over XXXX. My XXXX wallet tokens balance is still at XXXX to this day. Coinbase Company refuse to resolved this problem.
Consumer complaint received 2022-02-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

I received a text from a Wells Fargo number on XXXX, asking if I had initiated a XXXX transfer to XXXX XXXX in the amount of {$3500.00}. I replied NO, and then received a call from a Wells Fargo number ( XXXX ) on the same day. The person went through all of the typical " prove who you are '' information, by sending a text to my phone. Then they said I needed to " receive '' the XXXX payment back to myself. So, they had me transfer via XXXX {$1000.00} & {$1000.00} to myself @ XXXX. The following day ( XXXX ), I received another call from Wells Fargo stating that the investigative team had shown that my on-line account profile had been breached. They stated that I needed to move money to the new on-line account that they were setting up for me. So they had me wire transfer {$24000.00} to the " new '' savings account to my email address : XXXX to get my new on-line profile started. All seemed as if it was correct. On my way home from work, I thought I would stop by my local Wells Fargo bank in XXXX to see what further needed to be done to secure my new account. At that point, they told me it was fraud. I contacted the Wells Fargo Fraud Department later that same day ( XXXX ) to report the incident. 
Wells Fargo gave me a " provisional '' credit for the 2 - {$1000.00} XXXX transfers ; however, they said they could not do anything about the $ XXXX. I did find out that the $ XXXX wire transfer went to another Wells Fargo bank. Wells Fargo said they had to get permission from the receiver of the funds to return it & they could not contact them. 
I have filed a police report with my local XXXX Police Department - case # XXXX.
Consumer complaint received 2023-01-24
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. (NY)

In accordance with the fair Credit Reporting act. The list of accounts below has violated my federally protection consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account # XXXX Account NAME : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX, Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 604 A section 2 : its also states a consumer reporting agency can not furnish a Account without my written instruction 15 U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information in inaccurate
Consumer complaint received 2023-03-13
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2020-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: JPMORGAN CHASE & CO. (AL)

In XX/XX/XXXX-XX/XX/XXXX, Chase Bank told IRS how much money I have and how much I deposit/withrow even tax free bond. 
The law say Chase can show IRS only 1099 INT that show how much interest they paid me, so because what Chase did, the IRS behind me now and what me to pay them {$47.00}, because Chase confuse the IRS. 
I called Chase and they said will send me 1099 form and I will get it in one week, now this is about a month but never got it. 
I call ed Chase back many times but they hung up on me. I need 1099 form y
ear XX/XX/XXXX-XX/XX/XXXX
Consumer complaint received 2020-08-12
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. (MI)

My Name is XXXX XXXX my number is XXXX I have not been able to do anything or get anything with my credit report because of identity theft which I have filed before back in 2003 and still on and off. So hopefully I can actually get some assistance with this this time last time the change XXXX XXXX XXXX with identity theft but no credit agencies fix my credit but yall keep allow him to get stuff in my name even after I have reported it. Know hes back to his old tricks and I found out hes up to it again. His current address I found out is XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX North Carolina XXXX. And phone number XXXX XXXX XXXX XXXX also have aliases
Consumer complaint received 2018-11-28
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. (IL)

I have contacted Equifax several times via phone online, and via first class mailings on many occasions in regards to several accounts that were placed in my name that did not belong to me and that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts that does not belong to me reporting inaccurately. I have disputed and reach out to XXXX several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. This account does not belong to me. I've done the FTC Identity Report XXXX, I've called and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was in special handling, I haven't had any luck with this. the following accounts that are reporting are : XXXX XXXX XXXX acct XXXX, XXXX XXXX and the listing for Bankruptcy chapter XXXX. When I file a complaint they instruct me to file dispute with them directly which I do just to keep getting the same results. I have even sent copies from XXXX  & XXXX showing that they deleted items that Equifax keeps saying verified. How can they all be using the same information but some bureaus are correcting items & the other is saying verified which is totally incorrect.
Consumer complaint received 2021-07-14
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)

XXXX serviced my loan from XX/XX/XXXX to XX/XX/XXXX then sold it to XXXX. Ive included documentation showing that information. Also included the credit report that they are reporting me in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX 60-90 days late. Equifax is still reporting payments through XXXX of XXXX on a loan that was paid iff in XXXX. This is a huge problem. They stopped servicing my loan in XXXX. Ive disputed this 4 times with Equifax and XXXX  and no response. This is affecting my credit badly and is inaccurate, false information and it needs to be removed immediately.
Consumer complaint received 2020-08-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (GA)

I am not sure what this company is pulling. I started having problem with Fay Servicing early this year when a creditor that came back from 20 years ago went to my bank account and withdrew around {$3000.00}. It cost my online payment with Fay to dysfunction. I just don't understand why these banks will sell their mortgage to another company without regards to the mortgage holder. XXXX XXXX XXXX   would have worked better with me under this current situation. Anyway,  I tried to come-up with the money to catch-up with payments to no avail. This was when the covid-19 issue surfaced and I stopped working because I was taking care of my wife- who is going through XXXX, and my elder-mom who is going through XXXX. I tried to work it out with Fay and they promised to help me re-modify my mortgage terms to the best that will fit my situation. However, Fay asked me to submit some information, which I did. Fay later found-out that I am XXXX, and sent me a letter telling me that I did not qualify for any option that is alternative to foreclosure. Firstly, FAY had sent me an appraisal of the property. In other words, they were asking me to sell. I don't want to sell my only home of 20 years. What about the CARE ACT- covid-19 federal government help? There was no mention of  such option. This company wants my property because they believe it will make them money. For Christ sake, I have a family who depend on me in these disastrous period, but a company like FAY will choose such time to come-up with highly strenuous decision without working with the federal government to help the American people. FAY is citing my income ( not sure if it is the unemployment income or my original income ) as the reasons behind my not qualifying for ( a ) repayment plan, ( b ) deferment, or ( c ) service modification. It was the income from my original job that had helped me sustained my past mortgage payments. So, what happened now? I still can go back to the old job when this covid-19 issues subsides. I bet FAY did not even consider any other option because of the determination to sell my house for their selfish gain.
Consumer complaint received 2021-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (FL)

I applied online for a Chase Marriott XXXX XXXX credit card. Online, Chase advertised a 0 % introductory rate promotional offer, Marriott XXXX points after a {$1000.00} purchase, and a {$250.00} electronic Marriott gift card, which would be immediately sent via email upon credit card approval. Iwas approved and received the card, but not the {$250.00} gift card nor the 0 % introductory rate. After many, many phone calls and time over the phone over a period of several weeks, I spoke with XXXX at XXXX, who told me I am not entitled to the {$250.00} gift card or the 0 % introductoryrate. I was defrauded, as both of these bonuses were advertised and promised to me online.
Consumer complaint received 2020-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: STERLING JEWELERS, INC. (MA)

Hello, How are you? 
On XX/XX/20 I received an alert that a compony STERLING JEWELERS/XXXX  pulled my credit in which it was not authorized by me. I received a call from one of the representative from STERLING JEWELERS/XXXX  due to having a fraud alert on my credit to verify that I had authorize it and I notify the representative that it was not authorize by me that it needed to be removed from my credit. The representative assure me that it would be taken cared of and until today XX/XX/20 its still showing up on my credit report as a hard inquiry. The company failed to removed the inquiry even after it was confirmed with me over the phone that it was not authorized by me. I need to company to delete this from my credit report from both XXXX  and XXXX  or prove that this account was authorized by me with verification of authorization.
Consumer complaint received 2020-08-17
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. (NY)

I obtained an Auto Loan from XXXX XXXX XXXX XXXX in XXXX of XXXX. To the best of my knowledge, I was the primary Borrower on the account, and XXXX XXXX was the co-signer. As a direct result of the acts of XXXX XXXX XXXX XXXX, my name was not on the vehicle title. As a result of such, several years ago, I was XXXX and accused of XXXX XXXX XXXX. I provided documentation showing that I purchased the car, and I was released. The charges against me were eventually dismissed. 

I contacted XXXX XXXX XXXX XXXX, and they could not assist with having my name added to the title. Regardless of such, payments were continuously being made, and in XXXX the loan was paid off in full. 

Despite the facts above, XXXX XXXX XXXX XXXX has refused to correct the erroneous information on my credit report, which is drastically affecting my credit score. XXXX XXXX XXXX XXXX reports Debt included in or discharged through Bankruptcy, which is incorrect. XXXX XXXX provided a payoff letter back in XX/XX/XXXX, proving by its own account the loan was satisfied/paid-in-full. 

XXXX XXXX has continued to falsely report this information even after I've filed over a half dozen disputes with the credit bureaus.
Consumer complaint received 2021-06-03
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: JPMORGAN CHASE & CO. (NV)

Hello, Transaction Company : JP Morgan Chase Transaction Amount : {$1400.00} Transaction Date : XX/XX/2020 I have been dealing with this fraudulent charge with Chase for the past couple of months and left hope. I called them N number of times until XXXX and got frustrated with their poor inefficiencies in the operations of the fradulent charges team. 

I had a charge stating " XXXX '' in my credit card statement for {$1400.00}. 
I identified this charge within a week. From then, I was contacting Chase and they haven't had any steps taken. All they say is " This is a XXXX verified purchase ''. 

Scammers and frauds verify purchases through their sources and cash out money which is an information given to me by one of my friends working in a nationalized bank in XXXX under the cybersecurity department. 

It is a shame for such a huge organization like Chase to have huge loopholes in their processes. I really wanted to hike up this issue and make it big. 

Customers life are at stake due to corporate blunders. 

Kindly take further action and help me with this issue.
Consumer complaint received 2020-08-17
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NY)

In regards to the previous claim, CFPB should not close the case as the problem is not solved, I would not accept the decision that the company had responsed. 

Several bad practice had came to me by the company : 1. The company only contacted me once, and I missed the phone call, this is pretty common and the company should call for the second time at least, as other banks do, but they don't, kind of abnormal. 

2. Their wording " reserve the rights to close the account for any reason '' is a type of bully behavior as they can always make up the terms good for them and we consumers can only eat it. If it does not affect me who will want to use your credit card for the bank can that easily close a customer 's account. Closing my account had reduced my well established credit line and causing the credit score to  change, also, affecting my financial plan. 

3. In their response they played with the wording " return check could mean different things '', but in my account it literally just because I don't have enough money in my account, by accident, and no dishonest behavior to the bank as I made it up right away. The bank had no loss, but I had a great deal. 

4. Please noted, such odd term of closing your account had never been communicated before, don't tell me you wrote it somewhere in the card agreement with a billion words, you can write everything in, you can also made things up. I'm only talking about if this term is acceptable or not. 

5. Even this is a critical term which you guys believe, it should be communicated the first time I had experienced a returned check, by saying something like if second time your account will be closed, but I did not receive any notice like that. 

6. In general, I tried to fix it and make up the payment by using other resources right away after I noticed a rejected payment, my attitude towards the issue is very serious, but the bank is doing nothing on our communication and even on the response of the CFPB complaint, they just explained the same thing and nothing had really been investigated and they don't check if their way of doing things are fair enough. 

7. I had a total of roughly 10~15 credit cards open and had no issues with them ever, similar things happened before, other banks may charge you a fee rather than closing your account. I have a well-established credit line with no late payment ever, and that's me experiencing a bank incredibly closing my account. My great credit profile had turned this banks behavior into a joke ....