davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-08
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: DISCOVER BANK (WA)

With the greatest respect to the government agency that ensures the protection of rights of consumers. I am the XXXX student and have applied three XXXX, XXXX XXXX and Discover entities for the student loan because the search engine gave me the option of private loans without COSIGNER as soon as I have applied my credit score downgraded and I had an issue with renewing and renting new apartment. Their decision, all three was to provide COSIGNER with high credit score and applicable income which by itself makes it impossible because COSIGNER which signs contract also loses Credit Score. I have already finished most of course load and if I knew that my credit score was to downgrade just for applying and I wont be able to receive impossible term student loan I would have even applied. My complaint based on if you get rejected why should you score downgraded, why three companies aggresively advertise private loan without cosigner in the search engines such as XXXX, and the most important why would person cosign if he already knows that his score is going to downgrade because later the financial institutions will increase the cost of borrowing and all other consumer purchases would be expensive for him or her. Right now I have issue with renting apartment because of that and I have family and kids. I have the lifelong experience and education never consign and never apply that makes me not wanting to access finance thus leading to financial XXXX  so it happens to be the services for the status selected which credit bureaus assume from family history and other criterias. My complaint is not take action but for improving the system set by private businesses. Thank you.
Consumer complaint received 2017-11-08
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. (CA)

Equifax failed to correct their error on 2nd mortgage from XXXX that the loan was paid off full. They claim from XX/XX/XXXX to XX/XX/XXXX late payments however they failed to honor the letter from that company. Company letter state clearly loan paid in full without any late payments. 
Second issue XXXX XXXX XXXX XXXX went out of business in XXXX, KS and their credit card issued is closed based on closure of company with no payments or balance. 
Third issue since Equifax breech they all of sudden change my credit rating from XXXX as of XX/XX/XXXX down to XXXX currently without reason or justification. Since the breech I 'm on a temp watch on this company but I do have other agencies watching my credit since their system failed.
Consumer complaint received 2017-12-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (FL)

Hello, So I open account with Coinbase and I had to link my bank account to transfer the fund from bank to Coinbase platform to be able to trade. Everything was successful till I had to sell my bitcoin for the amounts of {$1800.00} from Coinbase platform and deposited back to my bank account that is linked to Coinbase platform. 

Coinbase platform show that the transaction was completed by XXXX XXXX, 2017. But the problem is i havent receive the money yet and I cant reach out to Coinbase customer support and I have sent them multiple email with this matter to try to solve ASAP but unfortunately no response. 

This Coinbase fraud either stole my money or take the money to a different account and I need approve of the ACH transfer that has been done. 

Please advise how I can get my money back from the fraud company Regard
Consumer complaint received 2017-11-07
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Jvs group (TX)

they have been calling me for over 6 months. they call me Monday through Friday and during the hours I am at work which are unfortunately the same ones they probably work. my name is not on my voicemail. they have been told to stop calling me. XXXX will all one day and act like my buddy via vm. she will then call me back and start being ugly and demand I call her back. Usually I am called minimum twice a day. today XX/XX/XXXX XXXX called me twice from XXXX XXXX XXXX. she called me at XXXX XXXX and XXXX XXXX and left me voicemails both times. this is common and harassing me and I wish for it to stop and have told them on a couple of occasions to cease and desist but they still keep calling. It needs to stop. Once a day is sufficient and when I am not working I will pick up the phone. Sometimes a third  call is placed from a blocked number.
Consumer complaint received 2017-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CA)

I 've been battling with Wells Fargo Bank since XX/XX/2016, pertaining to a Home Equity Line of Credit. This account was mishandled by Wells Fargo Bank, subsequently Wells Fargo Bank agreed they would not attempt to collect any funds for this account and they released any liens against me an my wife pertaining to this account, however Wells Fargo Bank continued to report a past due balance on my credit reports and my wife 's credit reports for almost one year. My wife and I contacted the Credit Bureaus multiple times to remove the incorrect information. XXXX XXXX removed the incorrect information, however XXXX and XXXX have continued to report incorrect information on our credit reports, this has been extremely stressful, extremely time consuming and has drastically effected both of our credit profiles. Wells Fargo Bank 's callous disregard for providing accurate information to XXXX   and XXXX is truly egregious and XXXX and XXXX  's unwillingness to correct and/or remove the false information from our credit reports has been extremely frustrating.
Consumer complaint received 2017-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: U.S. BANCORP (CA)

I am asking for some help here, please! My life has been very difficult and US Bank is making it harder for me. I had all of my credit cards stolen recently and I have spent weeks disputing transactions and trying to get new cards mailed to me and in the process I signed up to monitor my credit and I was so shocked to find that US Bank was showing me as 30 days late for XXXX of XXXX. I had resolved this issue that same month when I called and told them that I had never received my bill/statement and a new one was sent out to me. I noticed a few weeks later that they had notified all 3 credit reporting agencies that I was late 30 days, yet they had assured me I was not and apologized for my lost/stolen statement. I called them and spoke to a XXXX who saw that I had an issue receiving my statements and he said to me that the 30 day late would be removed. I asked them to send me a letter confirming this and they did, but unfortunately since this was years ago and my work briefcase along with my personal bags were stolen from my car XXXX no longer have this letter. Why was this information not updated like they said it would be in XXXX? this is so damaging to my life and my financial business and yet they had assured me that this would not be on my records or held against me. I am so frustrated and saddened that nothing was done and here I am 3 years later stressing this ridiculous issue again while I am making trips to the courthouse to prosecute the thieves that took off with my briefcase and credit cards. 

I wrote them a VERY kind letter, which I have attached here so that the CFPB can see the issue at hand as well, and they DENIED me so coldly and without ANY sort of explanation investigation. The letter explains NOTHING and only confirms whatever they want it to confirm.It is apparent to me that they do n't want to change anything because they do n't want to be wrong. but they are reporting this inaccurately. they said one thing and have done nothing. No phone call is transcribed here which would explain everything form XXXX and no managers name are shown here either to show whom I spoke to initially. I formally request that letter again, I know that they have it on file because they sent it to me, so it should still be there and noted that my calls were made. It would be unprofessional for them to deny me this. I was NEVER late! PLEASE HELP!!
Consumer complaint received 2017-11-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Earnest Inc. (NY)

On XX/XX/2017, I logged into my online account with Earnest, a student loan refinancing company, for the first time approximately 2 years. In my account, I found two documents (a credit card statement and a student loan document) that belong to another individual living in XXXX, NC. This is clearly a violation of their privacy policy and it is unclear whether my documents are sitting in someone else's account. I called the company to report the privacy violation, and spoke with a customer service rep that was unfamiliar with how to handle this and said I would be contacted once the issue is resolved.
Consumer complaint received 2017-11-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MO)

Around XXXX XXXX, XXXX I sent a letter to Equifax for them to verify/investigate the accounts, collections, and inquiries on my credit report. On XXXX XXXX, XXXX I received a letter from Equifax stating they are unable to locate a credit file for me. I have a hard time believing that, seeing is that I sent a copy of my id and social security card. I 've sent letters and called Equifax in the past and they were always able to pull up a credit file for me. I 'm not sure what 's going on now, but this letter is incorrect. I need Equifax to verify all accounts, collections, and inquiries on my credit file.
Consumer complaint received 2017-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CA)

Citibank , N.A . advertised a promotion to open a consumer checking account with a certain dollar amount and receive a cash bonus. Citibank failed to define specific terms of the promotion to its employees and resulted in an apparent deceptive practice bankwide. This practice may have had a negative affect on individuals who receive monthly social security or other government payments. This complaint is not only for the failure to pay the advertised bonus to me but all those who were denied a bonus during the same time period ( XX/XX/XXXX - XX/XX/XXXX ). 

Here is the promotion clause in question : 1 qualifying deposit must post to the new checking account each month for 2 consecutive months after opening the new account This clause has numerous Citibank employee interpretations since it does not state when the 2 consecutive months start. 

Example : New account opened on XX/XX/XXXX and meets all other qualifications. On XX/XX/XXXXgovernment benefits are requested online to be directly deposited into the new Citibank account. Since the government benefits are paid once each month on the first day, the first automatic deposit to the new account will be on XX/XX/XXXX. ( Was not possible to re-direct any sooner as stated by government website ).

Promotion benefit was denied for failure to meet direct deposit for each month. 

Several calls were made to Citibank regarding the denial and each employee had a different viewpoint on the promotion details. I was also told if we pay you, we have to pay all the others we denied for this reason. 

Note : if you look at the promotion on the Citibank website today, it clearly states 60 days for the receipt of the first direct deposit. This was a correction by the Bank and as such, they should pay all those who were denied for their failure to make the earlier promotion clear.
Consumer complaint received 2017-11-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (AL)

My mom is an authorized user on my Belk account. She paid {$250.00} on my card on XX/XX/XXXX and was given a receipt to verify the payment. Normally, when making a payment in the store, the payment is posted to the account immediately. However, the store was having a large sale ( Charity sale ), so the cashier told her it may take a few hours for the payment to post. It NEVER posted! I checked my account on-line XX/XX/XXXX and it STILL had not posted. However, the check cleared the bank on XX/XX/XXXX. I received an email on XX/XX/XXXX at XXXX XXXX, stating a payment to my account was posted. So again, I checked online, to view the available credit and payments on my account. It showed no minimum payment due and the " last payment of {$250.00} was paid on XX/XX/XXXX ''. However, the payment STILL was not applied to my account balance. I rechecked again today, thinking it may update within 24 hours ( which has never had to do ), but the payment STILL has not been credited to my account!! I have filed their forms to report a missing payment, but to date, I have not received a response.
Consumer complaint received 2017-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (MO)

On today 's date XX/XX/XXXX, I called my credit card company to see why my card was being declined every time I used it. They advised me they input my address wrong and when they issued me a new card, NOT at my request, they sent the card to an undeliverable address. So the card was sent back and they deactivated the card I currently hold in my possession. When I asked them to reactivate the card I have they told me they could not and that I would have to wait 7-10 business days to receive the new card that I NEVER asked for. The card I currently hold does not expire until XX/XX/XXXX. I asked to speak to a supervisor regarding this. After speaking to the supervisor, whose name I regrettably did not ask for, I requested to speak to her supervisor. While waiting for that supervisor they disconnected the line on me.
Consumer complaint received 2017-11-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CO)

Each month I pay extra principle money towards my mortgage in an attempt to pay it off sooner. Well Fargo is continuing to apply my extra principle payment to future months, instead of towards principle. Clearly this benefits Wells Fargo as it hampers my attempt to pay extra towards current principle. 

I have other mortgages with other banks, and they do not do this. To me, this seems like a shady practice by Wells Fargo, as it hampers my attempt to pay extra towards current principle. 

I have had contacted Wells Fargo multiple times on this, and demanded that the default option for excess funds should be to reduce principle. I should not have to call in every month to get this taken care of, since Wells Fargo is choosing the option that benefits their bottom line.
Consumer complaint received 2023-02-12
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: AXOS FINANCIAL, INC. (TX)

I got a letter in the mail to look at my refinance options on my car. Once I spoke to the gentleman he took my information and said he would do a soft credit check to see if I qualify. After a few minutes he came back in the line and said he could not give me a better rate than I have now. I have a 10 % interest rate with XXXX credit so I was baffled that he said that he said he could not help. A few weeks later it came up on my credit report that there were 2 inquiries from Axos Bank on XX/XX/22. I was mislead about the inquiry and even with that the company did nothing for me. I dont believe what was done was fair.
Consumer complaint received 2017-11-07
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: VW Credit, Inc (NV)

On XXXX/XXXX/XXXX I entered into a lease contract for an Audi XXXX with Audi Financial services. The contract stipulated a monthly payment of {$660.00}. After several months the monthly payment began to vary ranging from {$670.00} to {$660.00} a month. I ignored this until XXXX, XXXX when I reviewed the monthly statement. I then saw that I was being charged a late payment fee of {$6.00}. No payment has ever been late. Late fees were also included in the two previous months. I called Audi Financial on XXXX/XXXX/XXXX and was told the late fee was a system problem with their accounting system and it would be corrected and my payment adjusted. I was also informed that my new payment amount going forward was to be {$670.00}. I was also assured that Audi Financial had not recorded my payments as late. 

On XXXX/XXXX/XXXX I logged on to my Audi account and observed the following. The amount due for the XXXX payment prominently displayed on my home page was {$660.00} with no indication of a late fee. The amount due on the monthly statement however appeared as {$670.00} including the late fee charge. In a series of email exchanges with XXXXudi Financial I  attempted to get clarification as to the actual payment amount due for the XXXX payment. At this point four different payments were possible : original contracted amount of {$660.00} amount stated by customer assistance of {$670.00} amount shown on my Audi home page of {$660.00} amount shown on monthly statement of {$670.00} The last response from Audi Financial regarding this confusing state of affairs was " We appreciate your feedback and apologize we are unable to meet your needs. '' Although the actual dollar discrepancies are small I do not think it unreasonable for the financial company to provide me with consistent information regarding monthly payments. I am also concerned that my statements have included a late fee assessment for at least three months even though all payments have been made on time.
Consumer complaint received 2017-11-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

This is not duplicate complaint XXXX XXXX XXXX XXXX has multiple collection accounts on my credit report the following are two accounts that I have no knowledge of who the original creditor is.
Consumer complaint received 2022-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

For the past year since XX/XX/2021 I have been unable to view or access my credit report or account for Equifax. I have called them every other month did the verification process over the phone and also sent in numerous verification documents ( have proof ) so that I can access my score and report. However still I have not been able to gain access with Equifax, have also spoken with managers via customer service with Equifax and still was unsuccessful. Im extremely frustrated due to this issue is causing a delay on my home buying process.
Consumer complaint received 2019-05-12
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A. (FL)

I have been a client with Citibank for over 17 years I have a two checking account plus pior student loans that are now close and paid in full They send me Pre approve offer for a credit card so I apply then send me a letter like oh we are sorry we cant approve you at this time They are looking at wrong information and old information on my credit file
Consumer complaint received 2017-11-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I have been sending letters for almost two years trying to get this account off of my credit report, this account does not belong to me and the entry is harming my credit report. I did not authorize this account.
Consumer complaint received 2017-12-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. ()

1 / I made a first transfer of XXXX the XX/XX/XXXX from my account XXXX to my account coinbase without putting a refernce transfer. 
You sent me an email telling me that you can not process my deposit sent on XX/XX/XXXX and that I will be refunded ( see attached screenshot ). 
TheXX/XX/XXXX you have refunded my deposit of XXXX. 

2 / I made a second transfer of XXXX the XX/XX/XXXX by adding this time the reference of the transfer that I had not put the first time : XXXX. 
Despite the addition of the reference, you sent me a second email telling me that you can not process my deposit sent on XX/XX/XXXX and that I would be refunded ( see attached screenshot ). 
Except that I still have not received this second reimbursement ( see account statements XXXX and coinbase ). On these statements, you will see : a charge of XXXX the XX/XX/XXXX a credit of XXXX the XX/XX/XXXX a debit of XXXX the XX/XX/XXXX and nothing! no refund!
Consumer complaint received 2017-11-06
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IN)

I FILED CHAPTER XXXX BANKRUPTCY ON XX/XX/XXXX, CASE NO. XXXX AND XXXX FILED TO ADHERE TO COLLECTING ON SAID DEBT, AND KEEPS REPORTING INACCURATE DATA TO ALL BUREUS AND STILL IN NOT REPORTING TO XXXX.
Consumer complaint received 2022-10-03
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. (FL)

Good morning! In accordance with the Fair Credit Reporting Act # XXXX Account Name : XXXX ACCOUNT XXXX XXXX has violated my consumer rights. please help 15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
This is reporting is not mine please remove