davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (NY)

I have a digital wallet ( Coinbase Wallet ) with a company called Coinbase where I store my crypto currency worth about - last time I was able to check - {$10000.00} or more +/-. 

My phone crashed XXXX, & I had to restore it from a backup that I had on my XXXX from XXXX with, what I thought, my " Key '' stored in that backup. But according to Coinbase, the backup needed to be done to XXXX. Why? I don't use XXXX. I use my XXXX  for my backups. 

Anyway, after the restore I got thus said message ... 
Failed to retrieve keys, please sign in again ( Error code : XXXX ) I was/am essentially locked out of my account/wallet. 

I contacted Coinbase on XXXX notifying them of this. 
Also, after the restore, I was able for a split moment/s to access the wallet before it denied me access again. It stands to reason that I am logged in in some form, correct? If so, shouldnt I be able to move my funds out of the wallet within that/those split moment/s? Tried. But was unsuccessful at doing so. Funds won't move. 
During this split moment/s that I managed to get into the wallet, & tried to get to this key, but the wallet would not grant me access to my recovery phrase/key?!? 
And now, Coinbase is essentially telling me that if I do not have access to this key I will never be able to access my funds ever again. This is a tad crazy. Besides this key I also have a password that I created. A second layer of security. But according to Coinbase, can't access it with that either. Have to have the key first. It is my understanding that they do not offer any assistance in recovery of " key '' /password. 

Coinbase 's answer to my inquiry - Please note, Coinbase Wallet is a user-controlled, non-custodial product the recovery phrase is what gives you, and only you, access to move funds that you have received. For your security, Coinbase Wallet will never have access to this seed, meaning that we are unable to move funds on your behalf even in the case of you losing access to your recovery phrase. 

My question is this ... why would any company create a platform such as this? A platform that makes it virtually impossible to retrieve my funds if something should go wrong? Coinbase, or any other company, should not be allowed to subject their users this " treatment. '' Human beings lose passwords/keys all the time. However, I did not lose mine. Or so I think. Shouldn't it be in the backup on my XXXX? If it can backup to XXXX XXXX, why can't it backup to my XXXX?
Consumer complaint received 2021-02-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. ()

Hi there, I have a account in the platform for cripto currency called Coinbase Inc. I have lost my password and I can not get it to my account. I submitted a ticket tru their customer service ( ticket number - XXXX one of many ) on the XXXX of XXXX. But no response from them till XXXX th of XXXX when they reply to me. They asked me to make a new coinbase account with my new phone number so they can connect my old account with my new and they will delete the old account. Since then I do not have reply from them. I'm trying to reach the tru email, XXXX, XXXX and no reply what so ever. 
If that can help I know the address of the headquarters : Coinbase , Inc . 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX I lost my job during the coronavirus and I need to pay my bills. So really hope someone will hear me soon. I feel that no one is there to help me out. Please help me. 
Many thanks XXXX XXXX
Consumer complaint received 2021-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (FL)

Citibank Credit Cards on XX/XX/2020 significantly lowered my credit limits on the Costco Visa ( by XXXX ) and Citi XXXX Mastercard ( by XXXX ). 

Their letter stated that it was due to an unpaid high balance on another card - this was the XXXX XXXX XXXX identity theft fraud that I previously reported and was trying to resolve with XXXX. 

I was current and paying on time and my accounts were long standing accounts in good standing with Citibank. 

As a result of Citi 's actions, my accounts at Citi were then shown as at 90 % + credit utilization further deteriorating my credit score. 

I have since paid off the whole balance of each of the citibank cards, but the damage to both my credit limits and credit score continues.
Consumer complaint received 2021-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (DE)

Over one year ago I opened a SECURE credit card thru Citi for {$500.00} after being told that as long as I paid on time for 6 consecutive months then I would receive my {$500.00} deposit back and receive an unsecured card for the same amount and that they would be reporting to all 3 credit bureaus to ensure the building of my credit score. Well NONE OF THESE THINGS HAVE HAPPENED, THEY HAVE SOLD MY INFORMATION TO MISCALANEOUS COMPANIE ALLOWING RECURRING MONTGLY CHARGES DESPITE ME CANCELLING THE CARD AND REPORTING THIS FRAUD 4 SEPARATE OCCASIONS. I DEMANDED ON SAME 4 OCCASIONS THAT I BE RETURNED MY DEPOSIT IN FULL DIE TO ME HAVING PAID OFF THE CARD IN FULL AND THEY REFUSE TO RETURN DEPOSIT, THEY KEEP TAKING MONEY OUT OF MY CHECKING ACCOUNT DESPITE NOT HAVING AN ACTIVE CARD WOTH THEM AND REFUSE TO ANSWER MY QUEATIONS WHEN ATTEMPTING TO GET ANSWERS AS TO WHY THEY ARE COMMITINGBTHESE ACTS OF FRAUD AND THEFT AND ONLY THING THEY SAY IS WE ARE SO SORRY WE WILL REFUND THE MONIES AND IT NECER HAPPENS AND THEY TAKE MORE NEXT MONTH. THIS HAS TO END
Consumer complaint received 2021-02-06
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (DE)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department. Please block and remove all information from my credit report and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : 1. Account Name : XXXX XXXX XXXX Account Number : XXXX 2. Account Name : XXXX XXXX XXXX Account Number : XXXX 3. Account Name : XXXX XXXX XXXX Account Number : XXXX 4. Account Name : XXXXXXXX XXXX XXXX  XXXX Account Number : XXXX XXXX. Account Name : XXXX Account Number : XXXX 6. Account Number : XXXX XXXX XXXXXXXX, XXXX Account Number : XXXX 7. Account Name : XXXX XXXX Account Number : XXXX 8. Account Number : XXXX XXXXXXXX Account Number : XXXX Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. 

Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Consumer complaint received 2021-06-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc (CO)

On XX/XX/2021 I logged into my Venmo account to find there had been nearly {$500.00} in fraudulent online charges made on my account. I immediately contacted Venmo to cancel them and was told I had to wait until they were no longer pending. I immediately contacted the vendor after I searched for them on google and requested the charges be reversed but was unable to reach a human. 

The charges have been reversed and yet my account is still frozen so I am unable to pay and receive payments such as child support. I have reached out via chat but keep getting told to wait for an email that never comes.
Consumer complaint received 2021-02-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (AK)

this is the transaction history with no response from coinbaseXXXX this is the last email i sent after several before emails which i sent XXXX XXXX ( 3 hours ago ) to Coinbase who authorized the withdraw? 
Withdraw XXXX XXXX  - XX/XX/2021 EST XXXX the size : : XXXX XXXX also i made the deposit Deposit XXXX XXXX - XX/XX/2021 EST XXXX XXXX {$9100.00} ANOTHER ISSUE WHO authorized the withdraw of ETH  XX/XX/2021 - XXXX XXXX EST XXXX {$3800.00} XXXX subtotal:XXXX6 Destination Address:XXXX Transaction Hash : XXXX COMPLETED>>>>> THIS IS MY DEPOSIT XX/XX/2021 - XXXX XXXX EST XXXX XXXX Transaction ID:XXXX  Transaction Hash:XXXX {$3500.00} this was done i assume on there trading plate form i have the address i sent from my hard wallet ( offline wallet called XXXX XXXX XXXX ) to them please publish but please remove my name
Consumer complaint received 2021-06-26
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. (AZ)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-02-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (IL)

PayPal closed my account for no reason and will not help me with getting it back up and going. All Ive done is legally sold designer expensive items through XXXX and received great reviews from them and proof of messages. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel theyre not doing their job properly and its effecting me a great deal as I used PayPal quite frequently. My emails linked to both of my PayPal accounts is XXXX and XXXX XXXX
Consumer complaint received 2021-06-27
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. (FL)

I was going over my report because I am looking to buy a house and I noticed some errors. I have since been stricken with XXXX XXXX, have missed work and my hair is falling out due to stress caused by this false information on my credit report.
Consumer complaint received 2016-12-13
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (KY)

My husband had XXXX XXXX XXXX XX/XX/2010 with real problems. XXXX I wasnt even thinking about a house payment at this time. I called chase bank and was told that this one late payment wouldnt affect our credit because of the circumstance and low and behold this one late payment has crucified us. I hate the fact that Chase bank lied to us and you would think that after all this time they would at least remove this negative report from our credit report now. To begin with they lied about not r3eporting this one payment because of our issues at this time but they continue to report this and it has been 6 years.Its time to remove this from our credit report.Please contact Chase Bank I have contacted them numerous times
Consumer complaint received 2021-06-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HILLTOP HOLDINGS, INC (TX)

I sold and paid off my home loan on XX/XX/2021 and the lender confirmed receipt of the sale and payoff of the loan. As of XX/XX/2021, I still have not received my refund in excess of {$2000.00} for the remaining funds in my escrow account. The lender claims to have sent it multiple times, but it has not been received. I have spoken with the lender multiple times and they say they are incapable of using any type of tracking number with their mailing service.
Consumer complaint received 2021-02-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NC)

Had my unemployment backpay sent to this account. After waiting 180 days, they refrozen my account and made it where I can not log into my account. Prior I could not transfer my money. They now have made it to where I can not log in to see my funds or speak to anyone in customer service.
Consumer complaint received 2021-02-07
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: DISCOVER BANK (NC)

On this DATE we made a reservation to a XXXX XXXX hotel through XXXX we made an initial deposit of {$570.00} on XX/XX/XXXX. We then paid the rest of the trip a total of {$1300.00} on XX/XX/XXXX. The week that the trip was scheduled, due to COVID-19, our flight was cancelled and the airline refunded our money. The lockdowns in our area forced us to cancel the trip to XXXX XXXX. At the time XXXX XXXX offered us a voucher via phone conversation. Unfortunately unbeknownst to us they closed their doors in XXXX. We reached out to XXXX XXXX on XX/XX/XXXX to ask where our voucher was and found out in an email response that they were temporarily closed for eight weeks beginning in XXXX. We then found out through news articles online that they had permanently closed. The XXXX XXXX XXXX also states they are out of business. We have reached out to XXXX several times to see if they could refund us and they have not helped us at all only promising to call us back and then they never called us back. They say XXXX XXXX would be the ones to give us a refund. But obviously there's no communication availabile to XXXX XXXX because they're closed. Unfortunately after months of trying to to communicate with XXXX, we have been told by them that the hotel was suppose to process a refund, we still have not received any refund. We started a dispute with DISCOVER in XXXX to see if they could help us resolve the issue. They have continued to ask us for new information stating that they can not reach out to the merchant who charged the card. We have provided mountains of information and still have been denied a refund. We were charged for services that were never rendered. We have waited months for DISCOVER to look into the dispute which is well beyond the window allowed according to the fair credit billing act.
Consumer complaint received 2016-08-10
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (TX)

I applied and received an AMEX with a bonus of XXXX bonus points after {$3000.00} spend was met. My spend was met on XXXX XXXX, 2016, and my points posted on XXXX XXXX, 2016. I have tried and called several times to get my points transferred to my airline of choice. I was told that the points would be credited XXXX8 weeks after the spend was met. My points have credited. I ca n't spend my points. I was told it would be XXXX8 weeks. It has been over 8 weeks since my spend was me. I have been told by over XXXX people at AMeX that my dates for available points were, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. I have attempted to get my points transferred to no avail. However, I AM able to use them as credit on my statement. As seen in the attachment where they credited them back for me. My points should be available for use now. As of today XXXX/XXXX/16, I again spoke with someone else who has informed me that every time I attempt to transfer my points, it pushes me further down the line for my points to be available. Really? What kind of reward is this. I paid {$450.00} membership for a rewards card that I ca n't get my rewards on. Also today, the conversation I had with the representative from AMEX informed me it 's XXXX8 weeks from the time my {$3000.00} spend is paid off. REALLY?? that was no where in my membership agreement. I know my balance was paid, but that does n't have any bearing on when my points should be able to be transferred. Stories are being made up on a daily basis. The attachment shows charges added through XXXX XXXX went way over the {$3000.00} spend ( not including the {$450.00} membership fee.
Consumer complaint received 2021-02-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (CA)

I opened two bank accounts In US bank on XX/XX/XXXX. One checking account, and one saving account. I opened these account because there was a promotion in the bank that for each account I will get {$400.00} bonus if I meet certain criteria. For checking account {$4000.00} direct deposit within three months and for saving {$25000.00} to be kept in the bank for three months. I already met these criteria. 

I opened these accounts after visiting US bank and the person in US Bank promised that I will get these bonuses. Till to-date I did not get any bonus either for checking or for savings account. I talked to the person in bank several times and he told me that I will get these bonuses at the end of XX/XX/XXXX. But still no bonus was deposited. The bank has informed me in XX/XX/XXXX that it will not give me any bonus. 

I am not happy with the US bank as it has not fulfilled its promise. Please help me in getting the bonus. 

The address of US bank is XXXX XXXX XXXX, XXXX, CA XXXX The persons contacted were : XXXX XXXX and XXXX
Consumer complaint received 2021-06-27
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. (FL)

I filed a dispute with Equifax on XX/XX/2021. They are reporting inaccurate information on my credit report. The disputes were not deleted or even responded to. I did not get any documentation in the mail to notify me of anything. The inaccurate information is still on my credit reports. I have a right as a consumer to have inaccurate information deleted.
Consumer complaint received 2016-02-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: United Shore Financial Services, LLC (WA)

I have just received a notice from United Wholesale Mortgage, Notice of Servicing Transfer, for XXXX/XXXX/2016, I believe that they need to send me a notice 15 days before the transfer. I received the notice, in the mail 4 days after the Transfer ( XXXX/XXXX/2016 ). 
It is strange that the letter is dated XXXX XXXX, 2016, and there is no postmark on the envelope. If this letter was posted on XXXX/XXXX/2016, I would have received it weeks ago.
Consumer complaint received 2015-09-19
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (OR)

This is against WELLS FARGO for allowing a XXXX party to sign for the primary holder XXXX XXXX XXXX, the bank told me in XXXX he walked into back and paid loan in full personal casheirs check. XXXX has absolutely no knowledge of this nor was present. 
As stated in the past my father has been a victim of many kinds of theft, theft of property mostly while being harassed for the last 42 years plus as well his mother and father before that. New developments have come to light that XXXX Mortgage services has been involved with XXXX XXXX XXXX in the matters before the Supreme Court Washington State involving XXXX Original Orient District Free Hold, whereas the Counties and the Lawyer 's as well as the Courts, Banks and Document Holding Companies are allowing this to happen based on lies and deceit of fraudulent XXXX as Documentation to induce Forefieture by way of XXXX and XXXX XXXX et. seq. illegally, XXXX XXXX ; XXXX is the Victim and has paid for all these properties several times being tricked by title company XXXX XXXX XXXX and also others listed above in thinking he was in debt so far never to recover and only way was to sell then refinance as to asset was already paid in full and use equity in favor of other parties committing fraud against the consumer and creating fraudulent documents in pairs or triple document sets only altering and only giving partial disclosure to all involved, Now the XXXX XXXX XXXX has said XXXX is the Insured yet no one allowing coverage to the insured customer and without access to the property because of thugs and harassment, i.e XXXX XXXX assaulted by many at store in XXXX someone unplugs phone during call to XXXX and Officers tell XXXX XXXX and son to stay off property they own because of fraudulant paperwork a lawyer did, still to this day after filing a law suit no help, courts have administratively stayed this matter but never mandated to lower courts because of dishonest Lawyers and Title Companies. 
Also Title company XXXX states XXXX sold these properties but they were refinanced XXXX/XXXX then sold without XXXX XXXX and XXXX had complained as much as anyone could legally about fraud to bank and others involved. XXXX has been Maker since XXXX according to developments forwarded to CFPB and being The Insured even to the Original Purchase of XXXX funny Dad and us did n't buy the property till XXXX and payed out the ear after gifted to my dad from my step mother XXXX XXXX? This is the tricks these companies pull with judges, lawyers, clerks, and congressmen and weman, i.e XXXX XXXX is allowing this to happen he has been contacted numerous times and ignored also said it 's OK to HIT AND RUN with a Suspended License and Assault with a Vehicle a XXXX man if you or your parents work for XXXX XXXX XXXX will help otherwise DIE & XXXX