davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: ACS Education Services (CA)

XXXX, my new loan service provider, abruptly dropped their services on my lap without any warning. I knew this because XXXX sent me an email on XXXX XXXX stating that they would no longer service my XXXX loan. By doing this they have removed the platform upon which I make timely payments to repay my XXXX loan, and forced me to find only one person on the planet at XXXX who might be able to help me. However, she is n't available until XXXX XXXX. In the mean time I am locked out of my account that XXXX took control of. I ca n't call them because their system wo n't recognize my social security number. I ca n't access my account online and they ignore my email communication ; in fact, I have no receipt from them that they received my email communication. Finally, I ca n't make a payment. I 'm a ghost to them, and my unblemished credit is at risk because of the incompetence of XXXX.
Consumer complaint received 2018-01-11
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: ERC (TX)

Completed online dispute with the credit reporting agencies on XXXX XXXX, 2017. Currently still showing the disputes are in progress to-date. Below are the accounts that are in dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX {$1600.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX {$290.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX {$340.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, SC XXXX {$620.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX {$100.00}
Consumer complaint received 2018-01-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (UT)

XX/XX/XXXX XXXX XXXX - Sold XXXX Bitcoin to CoinBase at a price of {$16000.00} per coin. {$1200.00} - {$18.00} ( fee ) means that {$1200.00} USD was supposed to be deposited into my linked bank account by XX/XX/XXXX. 

XX/XX/XXXX - Opened up support ticket and only received automated response confirming ticket had been made. 

XX/XX/XXXX - Direct messaged CoinBaseSupport on XXXX, explaining my situation and asking for an update on my funds, with no response. 

XX/XX/XXXX - Direct messaged CoinBase Admins on XXXX, who are all verified employees of CoinBase, with no response. 

XX/XX/XXXX - Complaint with CFPB filed.
Consumer complaint received 2018-01-11
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. (VA)

I have a fraudulent hard credit inquire from XXXX XXXX XXXX. XXXX XXXX XXXX has notified Equifax that is was a fraud inquiries, but they will not remove from my credit report.
Consumer complaint received 2018-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (SC)

Three state tax liens are showing on my credit reports for all 3 CRAs, ALL three CRAs are reporting different information for all 3 State Tax Liens. None of the reported liens are mine. I have disputed these items with Equifax on 3 separate occasions and they continue to report the liens have been verified by  XXXX XXXX. Each time they are verified, but the information reported changes. As i have recently been a victim of credit fraud i have frozen my credit reports with the following companies : XXXX XXXX XX-XX-17 XXXX X-X-17 XXXX XXXX XXXX X-X-17 XXXX X-XX-17 Along with 10 others. 

In addition, I have written to the counties and received written information stating the The State of SC does not report Public Records to ANYONE. Therefore reporting such information as fact, on my personal credit report is illegal as per FCRA. 

And Finally the Liens do not meet the new reporting guidelines ( FCRA ) as they do not contain SSN or birthdate. So I would like it removed from EQUIFAX. 
SEE ATTACHED DOCUMENTATION
Consumer complaint received 2018-01-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

29 days ago ( XX/XX/XXXX ) I sent XXXX EUR via SEPA transfer to Coinbase however these funds are still not in my Coinbase account. In previous experience it has taken 1 to 2 days to arrive. I have provided the evidence of this transfer to Coinbase but no response from anyone at Coinbase since XX/XX/XXXX ( 24 days ago ).
Consumer complaint received 2018-01-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SUNTRUST BANKS, INC. (FL)

My account had a restaurant charge on my debit card.  However, I did not realize the restaurant did not put in the tip amount.  So, this resulted in a $XXXX overdraft on my account which cost $XXXXI think to charge $XXXX is gouging, when they could have sent an email alert to clear up the $XXXX  overage.
Consumer complaint received 2018-01-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CT)

On XXXX XXXX XXXX, I wired coinbase {$9000.00} to be credited to my virtual currency account on XXXX. At the time of the wire the company coinbase said it was a 2 to 3 DAY DELAY for Incoming wires to be credited to accounts. After waiting several days ( 10 ) I contacted the company via their support services online and requested an answer to where my funds were. Coinbase gave me a generic response telling me to wait more. I then called them a few days later and the customer service rep told me they never received any wire under my name and that my issue would be escalated to priority and solved within the next 2 days. When they told me he could not find my wire l, I called their Bank to confirm they received my money and their Bank which is the XXXX bank in New York confirmed coinbase received my money on XXXX XXXX, XXXX, one day after I wired it. With this information I then contacted coinbase several times through their email support, on social media and by phone again, always being told it 's going to be escalated. It has been over 23 days, coinbase refuses to tell me why my money is not being credited or returned and why they lied about their promise time of 2 to 3 days. Because of this I have lost opportunities to invest and they are holding my funds without any say from me.
Consumer complaint received 2018-01-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Coinbase, Inc. ()

On theXX/XX/XXXX I transferred funds to Coinbase ( a cryptocurrency exchange ) and my funds went in without any problem. I used those funds to buy some cryptocurrency and all was good. 

However now when I try to withdraw those funds the website Coinbase tells me my bank account is not verified and in order to verify it I must send at least XXXX euros to their bank account. 

I have done this 2 or 3 times now and still I can not withdraw my funds from Coinbase despite having tried to verify my bank account. I have since emailed Coinbase again on the XX/XX/XXXX and again on the XX/XX/XXXXand I still have not had a reply. 

I desperately need my bank account verified because as it stands it 's impossible for me now to withdraw my funds from Coinbase, they 're effectively holding my funds hostage by not replying to any of my support tickets. 

I have tried contacting them on XXXX and XXXX and they have not responded, this is my last option, I do n't know what else to do.
Consumer complaint received 2022-12-16
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Prime Recovery LLC (MS)

Prime Recovery LLC, has text me several times. I have demanded verification of my consent for them to contact me via a reply to their text and it has been ignored. Prime Recovery has violated 15 U.S. code 1692c ( a ), I did not specifically give Prime Recovery LLC consent to contact me. Also the text were sent at an unusual time, their assumption of a convenient is incorrect for me. I do not have a debt with Prime Recovery LLC and will not tolerate their harassment.
Consumer complaint received 2018-01-08
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (OK)

I was paying my student loan through a third party for over a year. At some point last year, the third party stopped sending payments to the student loan. I was never alerted. I learned of the situation after checking my credit report. Payments were showing over 90 days late. I contacted XXXX XXXX XXXX XXXX for information. They only had the address and phone number of the third party company, that is why I was never alerted to the missing payments. My credit report now shows 90 days late for a payment. This derogatory post has really impacted my credit score. I am now current, and have asked that XXXX XXXX XXXX XXXX remove the one negative credit report entry from this situation.
Consumer complaint received 2018-01-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (CA)

XXXX XXXX XXXX has put a judgement on me and wage garnishment over a discover account I never had applied for. Every year they put a hard inquiry on my credit report without my consent. I do n't know what they want from. This is illegal practice of theirs. They need to remove this judgement off me because they have no valid proof that debt belongs to me.
Consumer complaint received 2018-01-06
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: EQUIFAX, INC. (CA)

There are addresses, collections and inquiries that are fraudulent. I have mailed a number of letters and documentation with no response. 

The following collection accounts that are fraudulent and connected to addresses that do not belong to me include XXXX XXXX XXXX ( XXXX XXXX XXXX for {$510.00} ), XXXX XXXX XXXX ( XXXX XXXX XXXX ), and XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ).XXXXthe inquiries are XXXX XXXX XXXX ( on the datesXX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ),  XXXX XXXXXXXX ( XXXX XXXX, XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XX/XX/XXXX ( XX/XX/XXXX ), XXXX XXXX (XX/XX/XXXX), XXXX XXXX XXXX ( XX/XX/XXXX ), and XXXX ( XX/XX/XXXX )
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (NY)

Credit freeze and thaw needs to be free. We didnt ask for these credit reporting companies to take our financial lives into their hands and it 's nothing less than extortion for them to charge money for it. 

XXXX changed their website after the Equifax crisis to make it harder to freeze your account and easier to pay for their " premiere protection ''. The public will not stand for this any longer.
Consumer complaint received 2017-07-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Patenaude & Felix A Professional Corporation (NV)

I do n't remembering having an account with XXXX XXXX which states I owe {$2800.00}. I see this account listed on my credit report which shows it was already Charged off / Written off, as the last payment was paid XXXX 2015. Now 2 years later I received a notice from a Law office of Patenaude & Felix which states they are collecting for XXXX XXXX. This is not my account and it is listed on my credit report which was just brought to my attention due to this Collection company sending me a notice to pay or receive a Judgment. This legal document has no stamp from the Courts which makes me think this is not a legal document. What can I do to stop this collection on an account I do n't believe I have.
Consumer complaint received 2017-07-28
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. (TX)

I have called Equifax 5 times each time they verify my identity then transfer to another dept and no one can unlock my credit report they lie verify transfer me escalate the calls I have never been treated so horrible each time I call it 's between 1 and 3 hours they are rude and no one knows what to do i ca n't apply for credit and no one will help incompetent employees who will not help
Consumer complaint received 2018-01-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: SHAPESHIFT AG (AL)

I have exchange Litecoin with ripple and I did send them over 2000 $ worth of Litecoin now they promise ripple exchange within minutes but now they did not provide ripple coin and took my Litecoin and not responding to my tickets that I have open on their website also they do not have customer service phone number. when I search this is how they fraud people please do something.
Consumer complaint received 2018-01-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (NH)

i have had my loan go into default a few years back and i have corrected it, but i am getting harassing never ending calls and emails about my loan will be going into default if not paid and i do n't even remember attending this school for the dates it says the loans were dispursed, i want some help and some relief from this, now i see navient is being sued and im getting more upset. 

Help.
Consumer complaint received 2019-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE (MN)

On XX/XX/2019 I attended a Wyndham seminar. I provided information to check on financing, which I declined. And I consented to being sent promotional emails. Later that day I received an email that I was approved for a credit card with Barclays and that the card was in the mail. I never asked for or consented to being signed up for a credit card. Credit card terms were never discussed. No credit card was ever discussed at all. I did not purchase anything and did not wish to enroll in anything which was made extremely clear to at least 4 separate employees at the time. I have already contacted the bank, whos representative told me they would do a fraud investigation but that since I had given them my information it would still be considered a valid account even if I had been signed up without my knowledge or consent.
Consumer complaint received 2018-01-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: SYNCHRONY FINANCIAL (TN)

sync bank was told to close account for fraud last XXXX and has closed the accounts, however, they were paid before sending me the notice over 650. They keep sending me checks for the wrong amount and continue to refuse to send payment via another means.They keep sneding me legal huff and puff but no payment whatsoever in the correct amount. 

I recieved a check close to one account and tried to cash it at three banks. sync bank dba XXXX XXXX XXXX client bounced the check. At the very least thier subsidiary, walmart, should be able to cash the check. 

I demand immeadiate payment via wire transfer.
Consumer complaint received 2018-01-04
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (MA)

In 2017, Best buy charged me the full interest for 2 item amounts that were interest deferred : Total ; XXXX $ All interest rates across all charges/promotions were the same All payments were applied to regular purchases, even in the 2 billing cycles leading up to the period when the deferred interest expired. 
After that month, my interest rate increased by 1 % across all charges without notice. 

I noticed this in XXXX before XXXX and called Best buy rep and complained asking why payments were never applied to the deferred interest promotion. Rep said that payments are always applied to the highest interest rates yet, my rates were all the same. I became frustrated asked for 3 years of statments then canceled my card.
Consumer complaint received 2018-01-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (TX)

At XXXX XXXX CST on XX/XX/XXXX, I transferred approximately a sum of the cryptocurrency Litecoin worth {$2600.00} and received an email from Coinbase confirming that my transfer had been received and was being confirmed. At XXXX XXXX, I received another email notifying me that said transfer had been confirmed and that the funds were being transferred to their exchange, XXXX. According to the XXXX website, " Transfers between your Coinbase wallets and XXXX  account are instant and free '' ( XXXX XXXX XXXX ). In the six days which have passed since I received this email, however, I have yet to receive any funds in my XXXX account, where my Litecoin balance still reads XXXX. 

On the morning of XX/XX/XXXX, I opened a support ticket with the company. Within the hour, I received two automated emails which contained links to the company 's FAQ pages. The second of the two automated email directed me to respond if my problem had not yet been solved, so I sent a response at XXXX XXXX on XX/XX/XXXX which stated that my Litecoin was still missing. I sent another response at XXXX XXXX on XX/XX/XXXX in which I restated my concern for my missing funds and provided more information. I have yet to receive any emails which address my specific issue or which were written by a human being.
Consumer complaint received 2018-01-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (TX)

Account : XXXXXXXXXXXX Sent some Litecoin ( symbol LTC ) to XXXX. 

It was received by Coinbase. I got an email : " Valued XXXX client, Your Litecoin deposit of XXXX LTC (  worth {$13000.00} USD ) completed successfully but was not moved from your Coinbase account to XXXX. 

Please view your account to double check your deposit and manually move your funds to XXXX. 

- The XXXX Team " Went to Coinbase acct - no Litecoin. Says it was transferred to XXXX. 

Go to XXXX account - the LTC is not there. When you go to Account / LTC Account / Transfers - it shows up as " Pending ''. 

And that 's it. For 6 days already. 

Tickets submitted. Case # s : XXXX, XXXX.
Consumer complaint received 2018-01-02
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: CITIBANK, N.A. (FL)

XXXX Account # XXXX I have asked the credit grantor for verification that this is my account and have been unable to receive it. I did not apply for this account. I need it removed from my credit report.
Consumer complaint received 2017-07-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (AL)

I was trying to get XXXX Loan Forgiveness. It took submitting 3 times and blessing them out to get straight answers. I finally got that done. Now I have been trying to get information on federal forgiveness programs and consolidation and keep getting the runaround. The servicer is Navient. I can never get a straight answer. Also, they have tried to force me to take extensions. They actually implemented it once without permission. I am so done with this company. Thank you for your help. <P/>Sincerely Frustrsted
Consumer complaint received 2018-01-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo is getting rich on the backs of poor, and unwilling victims. 


I have requested that transactions not be honored if inadequate funds in account. I wish not to accrue overdraft fees. I opted out of this service and am being charged these fees despite my objection to the service. 

I am being told that there is not option but I was asked if I wanted to decline tis service and have several times. I do not want transactions to clear where there are no funds available to cover the transaction. I do not wish to pay those overdraft fees.
Consumer complaint received 2022-10-04
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. (MO)

This is XXXX XXXX and I am submitting this CFPB complaint to follow up the previous CFPB Complaint I submitted addressed to the Credit Bureaus. I sent a letter to the Credit Reporting Agencies on XXXX XXXX, XXXX, requesting the Credit Reporting Agencies to remove the disputed fraudulent accounts and information that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # XXXX, # XXXX, and # XXXX & I am including it again. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Owed : {$290.00} XXXX XXXX XXXX XXXX Balance Owed : {$250.00} XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX