davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

Hi. I would like to lodge a complaint against Coinbase Global Inc. 
Coinbase is a Cryptocurrency exchange and is a publicly listed business. I opened an account and started investing with Coinbase since XX/XX/2021. 
I had invested XXXX XXXX, worth more than {$20000.00} until XX/XX/2021. On that day my account was hacked and all my cryptocurrency amount transacted out of my account through XXXX transactions within a few minutes. 
While my account was hacked, I claim that Coinbase was the main contributor to this event as the hacking started after I responded to an email from their Customer Service. 
The email from Customer Service had been sent to me XXXX days prior to the hacking event ( XX/XX/2021 ) in response to a problem in my account that I had raised with them earlier. 
I trusted that Coinbase Customer Service email was legitimate as it had clear reference to my previous history and my complaint, so there was no reason for me to believe that it was fake. All I know is that once I clicked on the link provided in the Customer Service email my account was accessed and unauthorised transactions started. 
I was devastated and raised a complaint with Coinbase and received a complete rejection of my compliant and any responsibility for my account theft that was triggered through their own email. 
I understand that a lot of scams happens to people through scam emails but I believe the way my account was hacked is clearly a fault within the Coinbase customer service system. 
There is no ability to escalate the matter in Coinbase organisation, no phone response or direct email and I am really hopeful that you could help me getting my money recovered. 
I have also filed this matter with California Attorney General and Internet Crime Complaint Centre, XXXX. 
I would be more than happy to provide more information and evidences supporting my claim and looking forward to hearing from you about how I could get my money back from them. 
Kind Regards
Consumer complaint received 2017-01-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (NC)

Tax lien has incorrect amount report and this has paid in full. I also talked to the courts and they do n't report anything to the credit agencies. I would like this to be removed from my Equifax and XXXX credit files. Agencies keep saying verified after one day of investigation.
Consumer complaint received 2017-03-21
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Paragon Credit Services (AZ)

I have been harassed, threatened, intimidated, disrespected, and have endured fraud by Paragon Credit Repair Services. 2 years ago I paid to have my credit repaired and they stopped working on my account after a few months, and told me that they could n't do anything else. My credit never improved, in fact it got worse. The company has a money back guarantee if you are not satisfied. They charged me thousands of dollars for credit repair that never occurred. I refuse to pay any more money to this corrupt business that lies to consumers. The owner of this company is a fraud and abuses his authority to blackmail customers into believing his threats. This organization needs to do an investigation into this company that is fraudulently duping people into believing that they can fix one 's credit ; which they ca n't and they do n't. I am asking from relief from this corrupt organization. Per FCRA and per the company 's money back guarantee I 'm asking that the thousands of dollars I 've already paid in fees be returned to me immediately. 

PARAGON 'S CREDIT REPAIR GUARANTEE Our team of certified credit coaches, dedicated processors and legal experts have an average of 15 years of experience in the field of credit repair. We have worked diligently to provide our clients with exclusive industry first software, the best dedicated processing and legal team in the industry, and access to the best positive trade lines available anywhere. 


" We are so confident in our ability to execute on your behalf that we ask you to pay only AFTER we have completed each phase of work. Our exclusive pay per deletion model means your never get stuck paying a monthly fee without seeing the results first. If we do n't fix it, you do n't pay for it! '' ( XXXX # )
Consumer complaint received 2016-12-13
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Profit Services Group (GA)

A XXXX woman called from a company named Profit Services Group in XXXX, Ga. and stated " We will quit XXXX calling when you pay your " XXXX '' eye doctor bill. " I replied I do n't owe any eye doctor bill because I have n't seen an eye doctor in years. She replied again, : '' Pay your " XXXX '' bill and we 'll quit XXXX calling you. '' They continue to call at least every other day from a robo call { XXXX & XXXX } '' that has a recorded message asking me to call back on their main number XXXX.
Consumer complaint received 2018-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Credit Karma (CA)

At XXXX, and Credit Karma, the later couldn't let me through, and XXXX would not continue the prompts online, making it frustrating. My room mate, XXXX got hers, but I could not. I need it to rent an apartment, or I will be homeless!! please tell me how I can get my report. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-03-19
Product: Bank account or service — Cashing a check without an account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A. (OH)

I have a contract with a guy whom has an account at PNC Bank, I 've been cashing my check here for over a year with my drivers license and pre-paid bank card. They are no longer cashing my check that 's on their back unless I have a major credit card? Or they said I can use a work Id I work for myself do n't have one, or a passport, it cost {$100.00} 's of dollars I do n't have that kind of money and lastly they said a car registration I do n't have a car. this is oppression to the poor, If I can ; t qualify for a major credit card how can I pay my bills? This should not be allowed because not everyone can qualify, if my drivers license and debit card is ok to drive and use my debit card everywhere major credit cards are accepted I do n't see how this is not an acceptable form of ID for PNC
Consumer complaint received 2016-08-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc. (NC)

I understand that the CFPB has increased their focus on student loans, so I am hoping that you will be able to help me with an issue that I was unable to resolve after months of trying with my student loan servicer. I would like to start off by saying that I am a supervisor at a mortgage servicing corporation, and I know that if we made the error that my student loan servicer did, we would not only be able to fix it, but would likely have some regulatory implications as well. 
My student loan payments increased XXXX % without notification, and when I called to find out why, I was told that my student loan servicer ( Nelnet ) miscalculated my payment last year when my repayment began. They calculated my payments based on a 30 year term, when I actually have a 20 year term. This caused my payments to be lower than they should have been, therefore my principal is much higher than it should be, and therefore I am paying more towards interest. I have requested that Nelnet reverse my payments back the 17 months that I have paid so far, and apply them at the amount that they should have from the beginning. Had the correct term been used, my payments would have been slightly higher. I have offered to send in money so my account will not be past due after the corrections. After several hours on the phone with Nelnet, they flat out refuse to do this ( one rep even said it was against their morals ), and blamed it on the Department of Education guidelines. I am not asking for them to give me a payout in any way, I just want my payments applied at the amount that they should have been from the beginning. At this rate, I will end up paying roughly {$2300.00} more in interest due to their miscalculation that they refuse to fix. I am sure that Nelnet has done this to their other borrowers, but they might not have caught the mistake. At this point, I do n't know what I can do to not be penalized for their error. I can make a lump sum principal payment right now to get my principal to where it should be, but that wo n't fix the erroneous interest that has accumulated since my loan originated. Is this something you can help me with? I have documented my most recent calls to them, and have had other issues with their loan servicing - this is just the only one that is costing me money. 
It is unreasonable for Nelnet to expect their borrowers to calculate their own loan payments to ensure that they got something as simple as a loan term correct. This is undue borrower impact, and has impacted me in a significant financial way. I did escalate to their consumer ombudsman, who took weeks to respond and did not follow up when he promised to follow up. At the end of the day, the request was denied and Nelnet said there was nothing they could do to correct their error. This is an unfair servicing practice that impacted me financially.
Consumer complaint received 2016-02-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION (NY)

We recently bought a house. closed on XXXX XXXX. Our mortgage is serviced through M & T bank. Our first tax bill was taken care of by the title company who collected that money at closing. Our bank paid the tax bill as well resulting in our escrow being negative balance. We callled immediately telling them what happened and that they need to get a refund from town. A week later they received the refund, but are still telling us that we owe them the money for the negative escrow. we are NOT paying this. it is completely unfair.
Consumer complaint received 2020-04-19
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Confusing or missing disclosures — 
Company: TransferWise Ltd (NY)

Following up on unresolved complaint XXXX. The previous response addressed by TransferWise was the wrong transaction, I am referring to the transaction # XXXX. 


I locked in my rate to transfer from USD to XXXX to support my brothers XXXX XXXX struggling in XXXX with TransferWise. Consistent with previous transfers, I was informed I had 24 hours to send the money. I received a message that my transfer had been canceled without consulting me ( within 12 hours of locking it in ) because the rate had changed. Disappointed is an understatement. Its evident the only reason they cancelled my transfer was due to the fact that I had locked in the transfer at a good rate and that subsequent changes in the dollar were more favourable to TransferWise. As a foreign exchange business surely its a business practice to hedge rather than arbitrarily cancel customers transfers. How on earth can customers trust this business? This affects people, their families and their businesses. On top of this, they are choosing to engage in shady cancellations during one of the most tumultuous and stressful times.
Consumer complaint received 2015-09-14
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: SYNCHRONY FINANCIAL (MD)

Walmart sent me an unsolicited credit card from Synchrony Bank. The fine print says they have th right to share my information for marketing purposes. I do not want this credit card and do not want my information shared. I could not find information about how to have them stop sending me credit cards or offers.
Consumer complaint received 2016-04-28
Product: Credit card — 
Issue: Other — 
Company: BARCLAYS BANK DELAWARE (AZ)

In XXXX 2015, I mistakenly missed to make a payment with my Barclays card. I never missed a payment before, however in that month I was going a personal issues and stress out, such my partner losing his job and my son having medical issues. I honest forgot to make my payment. I say that not to justify why the payment was late, but rather to show that the late payment are not a good indicator of my actual credit worthiness. I hope that Barclays is willing to work with me on erasing this mark from my credit reports.
Consumer complaint received 2016-01-05
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: GUARANTEED RATE INC. (CA)

Here is what happened with Guaranteed Rate was dissatisfying. Here are the reasons : 1. The main reason I went with Guaranteed Rate was due rate. I was offerred 3.375 % on XXXX ARM loan, where in I had signed the paper work. A week before closing, I m told from Guaranteed Rate that I need to have 12 months reserve! Guaranteed Rate personnel - XXXX XXXX ( VP ) & XXXX XXXX ( Guaranteed Rate ) very well knew my financial position & per them, they OVERLOOKED the reserves! How can someone be so careless? All they wanted was to BAIT me to go for 30-yr fixed at 4.125 %! 
2. After changing the loan program to 30-yr fixed, I was told I would get {$3000.00} as lender credit, which showed up in GFE on XXXX XXXX 2015 in Buyer 's statement. On the closing day, XXXX XXXX 2015, the credit vanished!! Upon asking, Guranteed Rate, came back saying they are not making any money & was taken off 3. From no where, on the day of closing, I was asked to show {$5000.00} as gift as Guaranteed rate " thought '' I was short by looking at previous statements & NOT the current statement
Consumer complaint received 2015-09-10
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Autovest, L.L.C. (TN)

I was sued me for more money than I owe. My car was sold after the repossession. The sale price was not deducted from the balance. The statute of limitations has expired and they have garnished my pay check.
Consumer complaint received 2016-02-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TekCollect Inc. (KS)

XXXX XXXX properties alleged we did damage to the carpet when we left & immediately turned our names over to a collection agency after we moved out giving us no time. The residence was still in our name when we the repairs were done, XXXX deposits & XXXX insurance to cover property damage were not applied though available to the landlord. We received numerous communications from XXXX Collect asking us for payment after we asked them not to contact us after not verifying the debt within 30 days of initial contact back in XXXX of 2015
Consumer complaint received 2017-01-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: MOHELA (OH)

They are not applying my payment correctly to my account. My account interest that should be charged to my account is 3.5 %. They are applying my payment more to interest than to principal. My last payment of {$140.00} was applied with {$75.00} in interest and only {$66.00} towards principal. This has been a recurring theme since I have been with them. FYI, I have not missed or been late with any payments with them.
Consumer complaint received 2015-04-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (CA)

on XXXX XXXX 2014 i maid a contract with XXXX company for lawn service and we agree to cancel contract any time with no penalty for cancellation ( iam sending you copy of contract ) for my house thy promise my in XXXX to XXXX mounts everything will be green. After XXXX mounts my lawn was getting ugly and worstI called to company and spoke with XXXX to cancel contract he told me give us XXXX more chance and i will com to your house personally see WATS going on he never came and thy continue charge and take money from my credit card on i called again and cancel my contract and i told them i am not happy with service and i do n't want to your workers com to my property no one deed not came for service after XXXX and thy continue charging my credit cardI called my credit card company and stop the payments and dispute the charges credit company send them request and no answer from them and refund my money XXXX for the XXXX time services witch i never receivedAfter that thy start abusing me with tel calls and letters and some collection agencies {$180.00}
Consumer complaint received 2016-09-26
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: LD Holdings Group, LLC (NM)

I submitted a request for an FHA case number transfer from Loan Depot over to XXXX XXXX. Loan Depot then told XXXX XXXX that I did not want to move forward which was a lie and I feel that this company thinks they are to big to be wrong. I am just trying to refinance my home with XXXX and Loan Depot is not allowing this to happen after a number of requests.
Consumer complaint received 2016-11-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Brelvis Consulting, LLC (NY)

I was robo called by a XXXX party ( The Student Loan Help Center ) to help me with my student loans. As a XXXX in a XXXX XXXX district, I knew I was soon eligible for up to {$5000.00} loan forgiveness. Assuming that was why these people contacted me, I agreed to pay a one time fee of {$590.00} dollars so this company ( who I thought was affiliated with the department of ed. ) could alter my repayment program. Apparently this service is offered for free directly through my lending house ( XXXX ). I have since worked with them to not only enroll in a new type of payment program, but also to file a complaint with them as well about these poor/unethical business practices. I 've since filed a complaint with the XXXX and have contacted my XXXX. I would like to be reimbursed for services that were A ) never necessary and B ) never rendered.
Consumer complaint received 2017-03-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: ASTORIA BANK (PA)

I am trying to obtain a short sale approval from Astoria Bank - they ( Astoria ) demanded that they have short sale approval from all junior liens BEFORE they would even consider a short sale. I pressured the junior lien holder XXXX XXXX XXXX XXXX for their approval - which was granted on XX/XX/XXXX17. I am not being told that this file will take at least another 30 days for Astoria to review and consider for a short sale. It has been almost 2 months since XXXX XXXX approved the short sale - and Astoria is telling me it will be at least another 30 days before they will have a response. Can this be escalated???
Consumer complaint received 2017-02-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: The CMI Group, Inc. (GA)

I am a XXXX Veteran, and this company continued to threatened me without any proper verification of this alleged debt. This debt is not mine and i have continued to request for validation and verification but to no avail
Consumer complaint received 2016-11-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LD Holdings Group, LLC (CA)

I recently refinanced to a loan with Loan Depot, XXXX XXXX XXXX XXXX Tx. XXXX. Loan Depot never sent me my statement the first month I was with them. I called in on XX/XX/2016 to get a statement. Loan Depot sent me a statement and I made my payment over the phone. I called back XX/XX/XXXX and XX/XX/XXXX to make sure payment was received because I did n't see it come out of my account. Both times, I was reassured that my payment went through and posted. My payment did not post due to a wrong account number and I was charged a fee for this. I called in multiple times to confirm that payment went through and was reassured both times that payment went through just fine.
Consumer complaint received 2016-10-31
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE (TX)

Barclays continue to post that I have a charge off account and my account is paid in full never a charge off. I do n't owe any money and company wont send me a payment history just keeps saying I owe them. XXXX XXXX XXXX XXXX BARCLAYS BANK DELAWARE Address : XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Account Number : XXXX ....
Consumer complaint received 2016-12-18
Product: Credit card — 
Issue: Other — 
Company: BARCLAYS BANK DELAWARE (NJ)

Barclay Card switched my account to " paperless '' without authorization. I researched my inbox and see that I received an email on XX/XX/2016 saying I 'd been switched - I only found this after I discovered the problem today. They charged me {$27.00} as a late fee. I pay the bill in full every month and never carry a balance. I called to find out about this and told them to cancel the card. They make it very difficult to cancel ; transferring you to a different department, keeping you on hold for 10+ minutes prior to connecting and the rep trying 3 or 4 times to not let you cancel. Anyway this is a terrible treatment of customers and the practice should be stopped.