davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (IL)

This complaint is against Coinbase. I have a account with Coinbase which requires authentication via phone ( 2 Factor Authentication ) to sign-in to my account. Unfortunately, I had to return the phone that I had been using to authenticate and sign-in to my Coinbase account. Therefore, I was unable to log-in. Following is the list of event that happened as I tried to get access to my account : XX/XX/XXXX : Unable to log-in to Coinbase due to 2 Factor Authentication issueXX/XX/XXXX : I submitted a ticket requesting for help XX/XX/XXXX: Someone from customer service got back to me. Coinbase asked me to open a new account, so that they could verify my identity.XX/XX/XXXX : I responded back to Coinbase letting them know that my new account had been created.

XX/XX/XXXX : Someone from Customer Service responded back letting me know that my ID had been verified and they were working with a technician to proceed with the transfer.

XX/XX/XXXX : No transfer had been made so, I emailed back customer support to check on status of balance. No response yet.

It has been close to 1 month to get my issue resolved, so I have not other option than to raise a complaint with CFPB.
Consumer complaint received 2022-08-07
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: Exeter Finance, LLC. (GA)

I have repeatedly sent proper paperwork to have this debt that I did not authorize be removed from my credit report as well as sending proper paperwork including a notarized affidavit, an XXXX XXXX profile, police reports stating that I am a victim of identity theft to the actual creditor which is Exeter finance Corp & the credit bureaus. This said documentation was sent in XXXX XXXX XXXX & now I am reaching out to them again. I am picking up a police report from XXXX XXXX XXXX and will be sending out another affidavit. Id theft report and police report to Exeter finance Corp. and the credit bureaus because this is ridiculous! I have rights!
Consumer complaint received 2021-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (MA)

on XX/XX/XXXX, XXXX with Executive Customer Relations at Ally Bank XXXX wrote a statement XXXX attached ) stating she would remove the inaccurate reporting to the credit reports. i am now writing 9 months later as this problem has yet to be resolved. XXXX attached credit report images ) please expedite this request and fix ASAP. 

thank you
Consumer complaint received 2021-03-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NV)

I originally sold a phone through ebay for XXXX which the buyer paid through paypal. Paypal contacted me and said the buyer filed a dispute with their bank and the bank sided with the buyer. Problem is XXXX  shows the item delivered and paypal shows that I was paid, which I wasn't. Now paypal is contacting me saying I owe them money for ebay listing fees since the item was sold. Paypal withdrew {$180.00} from my account ( fees for selling this item ) and I never received the money for the actual sale. Paypal website shows I was paid the {$1700.00} and that the case is close. I tried contacting Paypal and XXXX to no avail. XXXX says the phone was delivered so now I'm out of a phone and the money with no help from Paypal or XXXX. Paypal is the problem since they are the ones withholding funds for a phone that was delivered.
Consumer complaint received 2021-03-03
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: Mr. Cooper Group Inc. (CA)

My mortgage company, Mr Cooper is not reporting our good payment history to the bureaus. They stopped reporting back in XX/XX/2018 when they changed names form Nationstar to Mr Cooper. They also as our mortgage company have been sending us refinance sales literature but when trying to refinance they tell us lies about why the bureaus can not give them a score. 

You see, we are debt free except for Mr Cooper who holds our mortgage. I have spent over 56 hours, about twenty letters to them and have only received two back stating we are worming on it. This has gone on long enough. My attorney has also received a letter that states, we acknowledge your letter, But wait.
Consumer complaint received 2020-01-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc. (TX)

XX/XX/2020 To whom it XXXX concern : I would like to file a complaint against two collection companies, XXXX XXXX XXXX, as well as Bureaus Investment Group. 

I received a letter today from this XXXX XXXX XXXX, in which they are claiming that I owe a collection debt from XXXX XXXX XX/XX/XXXX, in the amount of {$1600.00}, for an account ending in XXXX. 

I want to make it clear that I do not owe this debt, I did not owe XXXX XXXX XX/XX/XXXX any amount of {$1600.00}, if this is what they are claiming, this is not true. 

If this business has placed this fraudulent charge amount onto my credit files, I want all derogatory information removed, and I would like a letter on their letterhead showing that this has been done. 

I want this company to provide me with their license numbers and Registered Agent documentation.

As well as proof that they are licensed to collect in my state. 

They are slandering my credit with this misinformation, and I want to consult with an attorney about that. 

Also, I want all communication from them to come from them to you, and you can contact me. 

Also the name as how they are writing it on this collection account is not my name, there is no hyphen in my name, and I want that corrected. 

I do not owe this charge amount, and I want my name cleared from it.
Consumer complaint received 2021-03-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc (MS)

I was denied for an apartment today due to a debt owed to XXXX XXXX. I reached out to Hunter Warfield in an attempt to resolve the debt owed and was treated with disrespect as well as unprofessionalism. I spoke with a woman who was quick to speak slow to listen. She then transferred me to her Manager XXXX XXXX who was confrontational, argumentative, disrespectful and unprofessional to say the least. I explained to them both I was willing to pay {$600.00} on a debt that is about to reach statute of limitations. They offered {$1100.00} I countered with {$800.00}. Just seems to me they aren't willing to negotiate with you to resolve the case due to their kickbacks for collecting the debt. XXXX overly aggressive with his tone even after I asked if he could please lower his voice and adjust his tone. This debt has haunted me for almost 5 years and doesn't show anywhere on my credit reports however whenever I apply for housing this is the reason I am denied. I am a single mom with three kids trying to do the right thing on a debt that has shared responsibility with another person however I am the only person being penalized.
Consumer complaint received 2021-11-29
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. (IL)

I recently checked my credit report and noticed inaccurate and fraud information on my credit report. I have called and disputed the information on my credit report and has provided proof. XXXX, Equifax and XXXX are reporting inaccurate and untrue accounts on my credit report. I called each company and the companies referred me to file a dispute with the credit bureaus. The accounts that needs to be REMOVED AND DELETED are XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The second account is XXXX XXXX XXXX account # XXXX. I have never authorized these companies to obtain my information. I never signed and agreements with these companies for services, or goods. I was told to submit my FTC identity theft report along with proof of my identification and address. I followed through with all the steps to prove these accounts are fraudulent and I have never authorized these companies to obtain my credit information. I am unsure how they received my information.
Consumer complaint received 2020-01-29
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)

In XX/XX/2019 my card was stolen. There were lots of charges. Citi notified me via phone and text that my card had many charges and asked if I recognized them, I said no. They disabled my card and gave me credit for charges that werent mine. 

Suddenly in XX/XX/XXXXthey reversed the charges for 2, with out explanation, and I have called Citi Fraud Department over 10 times trying to get someone to explain to me and also get them to reverse the credit.

Citi Fraud keeps telling me that someone will call me back, and they dont. That the investigator is on vacation but its been over 4-5 weeks now. I have a high balance on my credit card and NO explanation for it.
Consumer complaint received 2021-03-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2021, I was notified via my Chase mobile app that someone had sent {$320.00} via XXXX payment to themselves via an account belonging to XXXX XXXX XXXX email - XXXX XXXX. I called Chase within 5 minutes and asked it to be stopped. Chase Fraud Prevention/ID Fraud said it couldn't stop it in time although the transaction was pending and not final on my app. Chase agreed to refund my money while they investigated after taking my statement that I did not know XXXX caused the money to be paid out for any reason. On XX/XX/XXXX, Chase claims said that they are rejecting my ID Fraud claim with no reasons and I would have to reach out. After being bounced around for 4 departments and 1 hour of waiting, a supervisor said that the investigation found that my phone had triggered the payment so there was no fraud. I could not appeal and there was no one else I could talk to. So, I am being told to pay for something I got no benefit from while the XXXX was enriched by {$320.00} of my hard earned money for no reason. I did not create an account for XXXX XXXX nor did I cause the app to pay him/her. I was told to call XXXX to put in a claim and gave me a phone number. The XXXX number that Chase provided promptly said that XXXX was not responsible for transactions that came from a bank 's app, call the bank and hung up. This happened twice.This is Chase claim number XXXX
Consumer complaint received 2022-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (PA)

I admit I made a late payment. I was struggling financially because of gas prices. I couldn't even afford to make a lunch at home and needed money for gas to get to work. I haven't made a late payment in a long time. I asked if late fee could be waived. I was told yes by " Customer Service Operator '' My next bill next payment/statement was ALOT more than my regular payment PLUS a late fee???????. I called to ask why this happened after I was told late fee was dropped and my payment was accepted. The " Customer Service Operator '' I spoke to was rude and difficult to understand I'm not even sure he understood me. So ... .Ok I got very agitated, all ready trying too hard to pay my bills. and gas to get to work. Oh ... and also ... ot takes almost HALF AN HOUR to get through to a " REAL PERSON ''???? Their Call System has way too many push button " requests '' I called back and got someone else who sounded nice and understanding but then she wasn't. I still wasn't getting an answer why this happened and I told her if the calls are recorded then a manager needs to go back and listen to it. Nothing was resolved. Each call got more and more frustrating. I demanded my account be closed. I cut up and burned my card. I used this card to help me afford my prescription medicine until my Insurance Deductible was met, some covered health products and some pet health products... I rather do without than be treated like this.!!!!! Something has changed with this company. Lately, too many " customer service '' " operators '' can barely speak understandable English and sound like they read off a script and don't really have their own reasonable explanation in their own words or even how they can help resolve the issue. Plus they are reluctant to transfer to a Manager. I know I owe money. But I am NOT being taken advantage of and paying back ONE CENT more to Care Credit. I've had enough of disrespect and attitude and lies and incorrectly trained " customer service operators '' my credit is in jeopardy all ready. I've tried so hard to maintain it. I don't need a company ruining it for me and making my credit even more negativily effected because I was lied to about a {$30.00} late fee I couldn't afford to pay and Now look at it!!! I'm NEVER going to be able to catch up. Shame on them. I've been with them for about 6 years ... .well NO more. I'm done. Life is difficult enough. This is the thanks I get for paying on time????
Consumer complaint received 2021-03-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (FL)

I requested a transfer of funds from XXXX XXXX to Wells Fargo in an amount of {$1500.00} dollars for living expenses. One business day later I called Wells Fargo to cancel their receipt of funds due to a miscalculation. I spoke with XXXX to return the funds back to my account in an amount of {$1500.00} dollars. XXXX refuses to do stating that the they never received the funds. I called Wells Fargo 5 times today to complain about the funds not being received. I was told that they are not able to return the transaction since it never came to them. I spoken with banks for total of 10 times to no avail. I need assistance as it seems that my funds has suddenly disappeared and neither side wants to take responsibility. Can someone call me at XXXX ( XXXX )
Consumer complaint received 2018-10-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (FL)

DEAR CFPB - WE SUBMITTED THIS COMPLAINT TO YOU XX/XX/XXXX, AND IN LESS THAN 24 HOURS WE GET A REPLY  STATING THAT DITECH IS UNABLE TO RESPOND DUE TO : The company let us know it is unable to respond because your complaint involves the same issues raised in pending or prior litigation. THIS IS BEYOND INCORRECT! PERIOD. DITECH IS BEING DECEITFUL and further DITECH IS THREATENING US WITH FORECLOSURE DUE ITS OWN GROSS FAILURE AND  INABILITY SO PROPERLY RECORD OUR PAYMENTS! HOW CAN THIS BE ACCEPTABLE TO THE CFPB. DITECH IS LYING TO YOU BY SAYING THEY ARE UNABLE TO RESPOND - - -- THEY ARE ***UNWILLING***** TO RESPOND. DITECH KNOWS IT IS WRONG. AND ITS A COP OUT THAT THEY SAY THEY ARE UNABLE TO EVEN SEND A TIMELY MONTHLY MORTGAGE STATEMENT!?!?!?!?!?!? HOW CAN THE CFPB AND FTC ALLOW THIS COMPANY WHO MERELY CHANGED ITS NAME FROM GREENTREE TO DITECH DUE TO THE COMPLAINT YOU THE CFPB INITIATED AGAINST THEM IN XX/XX/XXXX FOR THESE EXACT SAME PROBLEMS GREENTREE PERPETRATED TO THE CONSUMER WHICH THEY ARE STILL PERPETRATING!!!!!!!!
Consumer complaint received 2022-04-24
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I sent letters to the credit bureaus on XX/XX/XXXX, but didn't have any luck. I also filled out a Identity Theft Report ( FTC Report Number XXXX ) Delete Hard Inquiries XXXX XXXX from XX/XX/XXXX XXXX from XX/XX/XXXX Capital One Auto Finance from XX/XX/XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX Capital One Auto Finance from XX/XX/XXXXXXXX XXXX
Consumer complaint received 2021-03-02
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. (OH)

There are two hard inquiries on my credit report from XX/XX/2020 and XX/XX/2020. The company is listed as XXXX XXXX. I called Equifax and told them that I never applied for a home loan and the inquiries were a result of fraud. I asked Equifax to remove the two fraudulent inquiries but they refused. 
Equifax told me that I needed to find an attorney and complete a Affidavit. I did not make the inquiries so I should not have to go through the trouble of finding an attorney to complete an affidavit.
Consumer complaint received 2020-01-29
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. (GA)

The XXXX XXXX XXXX XXXX ( XXXX ) is currently reporting my consumer account between 30 and more than 120 days past due for four months to all three ( Equifax, XXXX, and XXXX  ) credit reporting agencies. The resource ( a XXXX XXXX XXXX XXXX ) for this account has been associated with a civil litigation matter since XX/XX/XXXX. My commercial encountered a breakdown in XXXX XXXX, Arkansas and my Emergency Roadside Service dispatch a towing and wrecker service versus a certified repair mechanic who caused additional damage to my commercial vehicle. The towing and wrecker company was negligent in the mechanics repairs and performed deceptive maintenance practices in their explicit charges for the repairs ; they attempted to charge me more than {$8000.00} for two tows and a single-axle ( right rear ) repair. As a result, I was required to stay in a hotel for more than 2 1/2 month as I attempted to rectify this matter through local agencies ; but, caused me a severe financial hardship and the inability to make payments ( over {$800.00} ) on this account for four ( 4 ) months. To prevent the account from going into foreclosure and eventually repossession, I have been able to make payments on the account for the previous seven ( 7 ) months through my personal financial account. Fortunately, the Representatives of the XXXX XXXX XXXX XXXX have worked with me and allowed me to make payments at the end-of-the month versus on the XX/XX/XXXXof the month. However, they haven't been willing to remove the negative reporting for the four-month negative reporting ; even as I have informed them of my circumstances. In addition, the XXXX is holding a check ( more than {$3000.00} ) which still requires my signature ; and are only willing to post the check to the principle of the outstanding loan since the check was issue for repairs. In reverse, the truck is still not repaired and I would not trust any additional maintenance by the towing and wrecker company as theyre mechanics are not certified diesel mechanics ; nor is the business a certified repair facility. Yet, the truck is still not repaired I will have to transport it to a true repair facility upon completion of the litigation process. Also, XX/XX/XXXXfour-month negative reporting is causing my inability to obtain credit which is much needed for financial support for additional attorney fees and other legal expenses.
Consumer complaint received 2020-01-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alpha Recovery Corp (TX)

XX/XX/2020 To whom it may concern : I would like to file a complaint against two collection companies, Alpha Recovery Corp, as well as XXXX XXXX XXXX. 

I received a letter today from this alpha Recovery Corp, in which they are claiming that I owe a collection debt from XXXX XXXX XXXX, in the amount of {$1600.00}, for an account ending in XXXX. 

I want to make it clear that I do not owe this debt, I did not owe XXXX XXXX XXXX   any amount of {$1600.00}, if this is what they are claiming, this is not true. 

If this business has placed this fraudulent charge amount onto my credit files, I want all derogatory information removed, and I would like a letter on their letterhead showing that this has been done. 

I want this company to provide me with their license numbers and Registered Agent documentation. 
As well as proof that they are licensed to collect in my state. 

They are slandering my credit with this misinformation, and I want to consult with an attorney about that. 

Also, I want all communication from them to come from them to you, and you can contact me. 

Also the name as how they are writing it on this collection account is not my name, there is no hyphen in my name, and I want that corrected. 

I do not owe this charge amount, and I want my name cleared from it.