davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (IL)

I checked my XXXX  Credit Report and found that their is an account that does not belong to me from XXXX XXXX XXXX XXXX  with the Original owner being XXXX. It was reported on XX/XX/2018. The amount is {$410.00}.

I contacted the collection agency on XX/XX/2018 and the representative was rude and would not cooperate to confirm any information that I asked for. I was asked to verify my information and I was not giving them anything in case they were wrong. I was also hung up on.
Consumer complaint received 2020-09-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

Today, XX/XX/2020, I sent a virtual currency by mistake to my Coinbase account address. They do not support this currency on their platform, however the token is XXXX just like the wallet address and on etherscan ( used to see blockchain wallets and transaction ) I can see the tokens in their host wallet. 

They refuse to send the tokens back to the sender address, in spite of it being an XXXX wallet which means it would be easy to do so. Their claim is that they don't want to open that wallet manually using private keys, but their own terms state " private keys associated with a specific address are virtually inaccessible outside of extremely limited circumstances. '' - implying there are limited circumstances they would access a wallet aka they *can* if it was a priority for them. 

So basically I sent {$12000.00} in a virtual currency which is now in a Coinbase wallet, and they've verified they could access the wallet and send it back but are refusing to do so.
Consumer complaint received 2021-03-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Synovus Bank (GA)

My name is XXXX XXXX and I am writing on behalf of XXXX 's XXXX XXXX. 

Synovus Bank 's staff have made a serious of errors costing us {$670.00}. 

Two months ago we filed a dispute with Synovus for inventory not received from XXXX for {$670.00}. We updated our number with Synovus last month from XXXX to XXXX, but today their dispute department 's manager claims they did not update it as we had asked! Their dispute staff closed this case against us claiming they could not reach us on the number we had changed! 

On the phone their staff claims there was a letter sent to us as well, but again we did not receive any letter asking for more information on the case even though I confirmed our mailing address with them! 

They are now refusing to reopen the case or recredit us because of their staff 's mistake hurting us greatly and leaving our account at negative {$200.00}.
Consumer complaint received 2017-12-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ARVEST BANK GROUP, INC. (MO)

XXXX XXXX XXXX transaction was erroneously debited to XXXX XXXX 's checking account for {$180.00} leaving an XXXX year old woman with no money for the remainder of the month. The account became delinquent Friday, XXXX XXXX, 2017 because of an error by the bank.The Arvest Bank Representative on XXXX XXXX XXXX in XXXX, MO referred to it as an " error '' and the best they could do is credit the account possibly in 10 days time. Truly not acceptable when a financial institution has the ability to credit faster and the bank representative had concluded his investigation.
Consumer complaint received 2022-03-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TX)

I have been trying to to dispute and remove the erroneous claim of debt owed to security credit services a collection agency that claims I owe them from an original debtor nextep funding. In the amount of XXXX thousand dollars for a loan that was taken in my name without my authorization or knowledge. I have contacted the collection agency and sent over to them a police report of an ongoing investigation that has lead the evidence of atleast one person stealing my identity. I asked that the company promptly and immediately remove the account due to fraud. The company has also failed to send me any evidence and or proof that this account belongs to me.
Consumer complaint received 2020-09-21
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: CITIBANK, N.A. (CA)

hello, I am asking for help with Citi. I have closed my account and paid more than the amount that was owed by more than 30 % as a sign of good faith. They continue to insist that I owe more late fees, that they are charging for late fees in previous statements. Here is a breakdown of the events. 

I paid off my card and cut it up at the end of XX/XX/XXXX. Unfortunately, I had entered the card information for XXXX and forgot about it, so when it came time to add money to the XXXX account on XX/XX/XXXX, they automatically charged {$25.00} to my Citi card. I didn't even realize there had been a charge to this card, and XXXX charge an additional account refill on XX/XX/XXXX, resulting in a total of {$50.00} total charges on this card I thought had been destroyed. Additionally, Citi charged me a {$25.00} late fee on the {$25.00} charge, because I didn't pay that charge ( not knowing there had even been a charge to the account ). 

I then got a call from Citi on XX/XX/XXXX, and was informed by them that my account was overdue. Surprised, I nevertheless paid the {$25.00} charge, and {$25.00} late fee. It was not made clear to me at the time that the balance was {$50.00} + {$25.00} late fee -- I thought the {$50.00} paid the account. I then called and closed the account using the automated service. 

You can imagine my surprise when I again got a call from Citi on XX/XX/XXXX, saying that the account was overdue, and I owed {$81.00} now! I was made aware that there had been 2 charges to XXXX at this time, not 1, and so made another payment of {$25.00} in order to attempt to resolve this dispute. 

At this time, they continue sending me bills for an account that I closed on XX/XX/XXXX, and paid in full the amount I thought was due at the time. They continue charging me late fees on a closed account. I don't want this situation to affect my credit rating, but I feel it is unfair and unreasonable to ask me to pay late fees on top of late fees on top of late fees for a mistake that was primarily theirs.
Consumer complaint received 2020-09-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: PNC Bank N.A. (DE)

On XX/XX/2020 a mobile check was deposited into my account from XXXX XXXX account from XXXX for XXXX. This was at pnc bank in XXXX Delaware. It was deemed a fraudulent check after five days but pnc released the money before the check cleared and the  money was taken. They have held me liable for this and have taken my paychecks for the past month. In turn I may lose my home and car now due to this, I have called now three times to speak with a branch manager and no one has contacted me. I really need help with this matter
Consumer complaint received 2022-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

CAPITAL ONE BANK USA NA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Across all 3 major credit bureaus they show inaccurate information and have been unwilling to correct. 

XXXX XXXX and XXXX show 30 Days on XX/XX/XXXX and XX/XX/XXXX all other months show paid as agreed XXXX shows 60 Days late for XX/XX/XXXX and XX/XX/XXXX Inaccurate data provided to bureaus
Consumer complaint received 2020-09-21
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Adelante, Inc (TX)

Previously this company threatened and reported this to the credit bureaus and hurt my credit score.

However, on contacting CFPB, they since rescinded the complaint from the report. But still my credit score has not gone back up to where it was before. Also, there are banks and credit card companies that have since looked into my credit history. This has additionally hurt my numbers and credit outlook. 

After CFPB report, then sent me the details of the debt by US mail. This debt as it shows is from XXXX XXXX XXXX. When I left the hospital the agreement was that this amount is written off. However, when I called the people that worked there in XXXX are not there any more. Now they are telling me. that I owe and since it is old they can not help me!!! 

I have been calling Account Services, the debt collector to come to some understanding. I have left several messages over last few weeks from Mid XXXX onwards and finally left two messages today, XX/XX/XXXX, and got a call back. 

Told them that I am a retired XXXX year old, with XXXX  hurt in an accident. I am unable to work much and I don't receive any benefits. Income I have barely meets my rent etc. I told this to a Ms. XXXX XXXX and asked her how she can help me. 

Told her that I have saved {$250.00} for XXXX XXXX and there may be another {$100.00} to {$150.00} in savings. As I want to get rid of this  XXXX which is causing my intense XXXX  and XXXX, I wanted to reach some agreement. But she wants to put me on a payment plan. Told her that my income barely meets my expenses and that this savings of {$350.00} to {$400.00} will also be gone if they can't accept. 

She said that I will be reported as not interested in paying the debt back. This sounds like threatening to me. They will again hit my credit. 

Please help me reach some understanding with this company so that I can left in peace to attend to my life and my issues. 

Thank you very much. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-01-25
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. (OH)

The credit bureau is reporting inaccurate information to my credit report. I sent in a dispute letter to them on XX/XX/2020. They have fail to comply within the 30 day statute of limitations.
Consumer complaint received 2021-01-25
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: SYNCHRONY FINANCIAL (CA)

There is unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. SYNCB/AMAZON Inquiry : XXXX. XXXX, 2020. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.
Consumer complaint received 2021-01-25
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. (NC)

I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2020-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

I made a {$700.00} cash deposit at the JP Morgan Chase Bank, XXXX XXXX, Branch # XXXX. My deposit was processed by XXXX XXXX, an employee working the drive thru on XXXX at approximately XXXX XXXX. Upon submitting the cash deposit via the drive thru, I received my deposit back, and was asked for my ID. I was advised, rather rudely by an employee who was not XXXX, that their location had been asking for IDs for cash deposits for 2+ years in an effort to thwart money laundering. I provided my ID and requested the other employees name. XXXX provided however, given the weather conditions and the amount of traffic in the drive thru, I elected to leave, rather than confirm the name of the other employee in the drive thru. 

I am not aware of any regulatory rule, or guideline, requiring customers to provide ID for a {$700.00} cash deposit. I am aware that FDIC, OFAC, and other regulatory agencies which provide the framework under which banks operate allow the bank ample and vast discretion to adopt policies and procedures tailored to each individual market. The manner, and demeanor by which Branch XXXX chose to communicate and enforce their own internal policies does not represent existing federal & state anti money laundering guidelines, or processes. Chase has operated under the false guise of money laundering concerns by requiring customers to provide ID to deposit cash for the sum of less than {$1000.00}.
Consumer complaint received 2021-01-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (FL)

My mortgage servicing, loan # XXXX was recently sold from XXXX XXXX XXXX to Midland Mortgage. My loan is currently in forbearance until XX/XX/2021. Since my loan was sold I have been consistently receiving three to four phone calls per day, some pre-recorded some not, informing me that my loan was delinquent and that I should contact the Lender immediately to avoid foreclosure or damaging my credit. 
In addition to these harassing phone calls are threatening letters implying that my loan is delinquent and the lender may need to visit my home. There are also letters some some which I have discarded implying that my loan is delinquent and that I need to contact the Lender.
Consumer complaint received 2022-01-06
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. (AL)

My name is XXXX XXXX, and I am a victim of identity theft. I tried to contact the bureaus, but nothing is getting done. I would like them to have some urgency and remove these accounts immediately. They are in direct violation of the the FRCA laws. I am suffereing, and my family is suffering.
Consumer complaint received 2020-09-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (PA)

I closed on our new home on XX/XX/2020. The property is located at XXXX XXXX XXXX , XXXX, PA XXXX. The mortgage company we used was XXXX XXXX. XXXX XXXX sold the mortgage to XXXX XXXX XXXX ( XXXX ) the day after the closing. I scheduled an online payment for XX/XX/2020 because my first payment is due XX/XX/2020. I contacted XXXX today XX/XX/2020 to setup recurring payments because XXXX won't let you set that up online, which I think that is completely ridiculous. I was shocked when XXXX told me today that they sold my mortgage to another company called Nationstar Mortgage ( AKA Mr. Cooper ). I told them that I had not received any notice from XXXX or Mr. Cooper regarding a new mortgage company. This is crazy that XXXX bought my mortgage on XX/XX/2020 and then they turned around and sold it less than 2 weeks before the first payment is due. This seems like an orchestrated scam. I told XXXX that I already had a payment setup to XXXX that would need to be canceled. I also told them that I was concerned about setting up my payment to Mr. Cooper. I was told I could cancel my XXXX payment online. I did that and it thankfully worked. But when I called Mr. Cooper regarding my loan they had no record of my loan. I told them I was concerned about my XX/XX/XXXX payment. How can I make a payment to the mortgage holder if they have no record of my loan? They said there was nothing to worry about and whenever everything got processed I could make my payment and no late charges would be applied. I don't believe them. This seems like a scam to try and squeeze me for late fees. I checked out Mr. Cooper 's XXXX score and quite frankly they completely XXXX and this type of scam seems to be their forte. I have never ever made a late mortgage payment in my life ( I've owned 4 different homes ) and I sure XXXX don't want to start now because of a bunch of crooks in XXXX Texas. Please help me get these jerks to send me my loan number so I can setup an online account and make my mortgage payments. I am really concerned about having to deal with these crooks for the next 30 years.
Consumer complaint received 2020-09-21
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: Paypal Holdings, Inc (NJ)

I made a purchase with a XXXX on XX/XX/20. I used Paypal for safety. After the online transaction I suddenly noticed that the original cost differed form Paypal 's payment and that the receiver of my money was not the XXXX store, but a " XXXX ''? I immediately attempted to contact the merchant repeatedly, but could not. Therefore, I attempted to dispute the purchase with Paypal 's resolution center, but could not since this purchase was not listed on my activity page of Paypal. 
I was afraid of sever monetary loss from my bank account so I immediately cancelled the card and reported the suspected fraud the my bank " XXXX '', which the card is from. The bank investigated and denied the claim, and informed me that any documentation involved with this determination would be available. I requested it and have received none. 
I contacted them and reopened another claim after sending them my Paypal statement, and the merchant 's invoice hoping this would help since they did not get it from me on the first claim. However, this second claim was denied. I have removed close to a XXXX  XXXX dollars from this account since to be safe. The current invoice stated that the order is " processing '' and I have never received any item from this order. 
This loss is Paypal 's fault and I should not have needed to get my bank involve, had Paypal provide the service they are used for. They refuse to help me since I needed to get my bank involved as a last resort. 
I guess I have to except the loss, never use Paypal and find a new bank. Paypal should be the one being investigated for their inadequate operations. Isn't Paypal used to prevent these occurrences? Not walk away from a loss involving someone else 's money.
Consumer complaint received 2020-09-21
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. (NV)

I was aware of this fraud account on my credit XX/XX/2014  XXXX XXXX XXXX. I am not aware of where it came from or who used my information. Since XX/XX/2014, I have been trying to get this account removed off of my credit.
Consumer complaint received 2020-10-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (NV)

This is my second complaint against Ally Financial. I have requested a deferment under the cares act due to significant income reduction due to COVID 19. They say they are working on it however it never gets done. Currently they are harassing me calling the same number multiple times after leaving a message and even calling family members.
Consumer complaint received 2020-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: DISCOVER BANK (SC)

On XX/XX/XXXX I was told by a agent I will be able to turn on cash advance if I lower it with a soft credit pull anytime. I asked this agent several times for my discover it credit card that used to have XXXX cash advance. Since i XXXX it out I been told I cant ever get it back by a agent on XX/XX/XXXX. I want my cash option back since I was mislead to believe I can get it back with a soft pull. No agents can give it back to me. Please review phone call and notes from the date it was XXXX  out. Also I am unable to make any changes online because a authorized user has a credit freeze. I wish yo be able to manage online if possible too
Consumer complaint received 2021-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CA)

I paid off my auto loan 2 years early. Mailed $ XXXX check. A week later received payoff letter and new title in my name. Bank reported it twice one was correct paid in full. The second was wrong charge off. Dispites 3 letters over 90 days. The bank failed to correct my credit report. All three CR Agencies also failed to correct my CR.. both letter campaigns included my proof ... 

My check was good, but if it was not Bank never indicated any problem with my check, never returned my check or claimed check was bad, no collection, but continued to status it as charge off I look forward to hearing from you soon. 

Sincerely XXXX XXXX
Consumer complaint received 2021-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CHECK INTO CASH INC. (CA)

Some agency called XXXX  XXXX  XXXX  is attempting to collect a debt from XXXX, 2021 for a company called Loan By Phone. 

The amount is {$3200.00} which I have no recollection and never replied to. 

This is fraudulant.