davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (TX)

I was provided a letter ( which Discover sent to the CFPB as well ) that had an inaccurate portrayal of events leading to the closure of the account along with a phone number, business hours and a contact name ; however, Discover has blocked my account from customer service assistance. When I call the number provided, I receive a message, " We can not service your call, please visit us online. '' Now, when I go online, I receive a message that the XXXX XXXX XXXX can only be reached via phone. 

I am being completely blocked from all communication regarding my account.
Consumer complaint received 2017-08-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Coinbase, Inc. (ID)

On XXXX XXXX, 2017, I transferred XXXX bitcoins from my Coinbase " vault '' to my Coinbase Bitcoin wallet. As of this date the transaction has not been " approved '', leaving the money not accessible and unusable. The support team at Coinbase has not responded to my many requests for help or action on the problem. There is no way to get directly in touch with anyone at Coinbase. I have since withdrawn all my money from my USD Wallet. I am in fear of loosing the XXXX bitcoin, which is today worth {$2000.00}, a considerable sum.
Consumer complaint received 2022-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (TX)

I'm writing to you because I noticed that my most recent credit report contains late payments reported on XX/XX/2019, XX/XX/2019, XX/XX/2019 and XX/XX/2019 for my personal loan. Account number XXXX. 

When I paid this account in full and on time. I have my bills on autopay and when I checked my credit report months after the incident my credit score has taken a massive dip. I did not receive any follow ups from affirm about warning me close to my payment date and so I was in the impression that I didn't miss any payments and everything was paid on time and full until I saw this report on my credit report. 

XXXX is infringing my privacy and showing this report to market to other lenders and during the investigation, was not able to show me the proof of CONTRACT with my signature that was made between me and Affirm. According to the consumer laws information that is inaccurate and unverifiable must be deleted items from my consumer report immediately. XXXX has blatantly broken THE CONSUMER LAWS. 

( AFFIRM INC ACCOUNT : XXXX  )
Consumer complaint received 2017-08-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Home Servicing LLC (NY)

The second lien on my property was sold to Home Servicing LLC in XXXX 2017 from XXXX XXXX XXXX. They did n't even have any account number assigned to my property until the middle of XX/XX/XXXX. I had a short sale approved with the first lienholder at the time XXXX XXXX, that told me they also were selling my first lien to XXXX who was to honor the short sale. I finally received communication from Home Servicing on X/X/17 stating that there investor required {$33000.00} to settle the 2nd lien of record. The previous holder of the second lien only wanted {$27000.00}! To no avail, I have had to restart the short sale process and I currently have a contract of sale. Another was made to the second lien holder but received no response from emails, calls, or priority mail delivered letters stating my wishes to pay for Satisfaction of Mortgage. However, I was told by XXXX they could allow for 10 % of the face value of the note which is {$85000.00} so they would only allow for {$8500.00} to be paid and shown on the HUD statement. This company has neither shown me that they purchased this note from XXXX XXXX XXXX nor have they recorded their assignment of mortgage with the County Clerk. The second lien has never proceed with a Foreclosure action and the note of record is well past the Statute of limitations. So any monies they get should be enough. Please advise as how can I get a Satisfaction or Lien release for this stagnant mortgage that clouds the title of the property.
Consumer complaint received 2017-08-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (LA)

On XX/XX/XXXX, I purchased four reloads of XXXX XXXX cards in the amount of {$500.00} each. Unfortunately, the first two reloads brought me to a $ XXXX monthly limit, and so Incomm did not load the remaining {$1000.00} cash into my XXXX account. Though Incomm makes it virtually impossible to reach them on the phone, I finally did, and was given an email address to send documentation. I did so on XX/XX/XXXX. On XX/XX/XXXX, Incomm send me another email, saying that they needed a utility bill. I do not understand why, if needed, that would not have been requested with the rest of the initial documentation, but I responded on XX/XX/XXXX with a copy of my electric bill. I have received no further communication from Incomm. They have stolen {$1000.00} from me and refused to refund it.
Consumer complaint received 2022-08-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TN)

I was shopping for XXXX XXXX online and I clicked on what I thought was their website. It was a fake, phony website set up to look exactly like their site. This is the site XXXX XXXX XXXX It had all the same shoes and they appeared to be on sale. I was going to buy 2 pairs for myself and 1 for my Dad. 

I went to check out and it sent me to PayPal. Upon reflection, I thought that was strange and it was the only way to pay. I submitted payment and then I realized it was a scam as the payee was a foreign name, XXXX XXXX, and the website did not reflect any payment confirmation it only stayed the same. The PayPal transaction ID # is XXXX. 

I tried to recoup the funds immediately from PayPal but they wouldn't allow me to cancel the transaction or recoup my money as they said it was a private payee not a company. 

Is there anything you can do to help me recoup my money? It was {$200.00}
Consumer complaint received 2023-03-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (PA)

On XX/XX/XXXX I opened up a Chase Checking and Deposit accounts in XXXX XXXX XXXX. On XX/XX/XXXX I changed all my automatic payments to Chase checking Account and transferred {$91000.00} from my XXXXXXXX XXXX account to Chase Account via mobile deposit of my personal checks written to me and endorsed by me. When the funds were still not available two days later I made numerous phone calls all informing me that my money would be tied " On Hold '' status until XX/XX/XXXX. I called XXXX and they confirmed that the money is out of there system and is sitting on Chase account pool. I had no access to bulk of my money neither from my previous bank nor the current bank. My numerous appeals and attempts fell onto deaf ears including the XXXX XXXXXXXX XXXX  Manager, his assistant XXXX XXXX. He told me I should send him a screenshot of my bank account along with check images, which I did, TWICE. Nothing happened. I now missed my chance to put my money in Treasury Bills to bring me at least a little bit income. I am retired and I am trying to the best with my money. To no avail .... 

Moreover, I wanted to transfer some securities to JP Morgan Chase. When I called and told them I needed help with the transfer because the forms were to detailed and I did not want to make any mistakes. The first two questions were " Is it self-directed? '' " How much are you going to bring over? I told them yes it was going to be self directed and asked them if XXXX XXXX XXXX was enough for them to agree to help me. The answer was " In that case, I can direct you to someone who can walk you through the form ''. This royal highness was apparently too good to help me to complete the process. 

I am more than appalled about the the behavior of the staff and the bank 's pompous behavior towards the citizens. I want to be compensated for their use of my money for 10 days plus penalties to put me through such anxiety and dispear. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2022-09-30
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. (OK)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-08-24
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (FL)

I got a title loan in 2020. I was NEVER told the loan needed to be paid in full within 30 days. Needless to say I have been making payments on this XXXX loan for over 2 years. I pay over 200 per month and they make me " sign renewal forms '' every month. They told me I would make monthly payments on paying it back NEVER saying within a 30 day time frame. I have paid OVER 5000 $ $ on a XXXX loan so far. I can NOT afford to pay the lump sum. The APR Is XXXX XXXX. What can I do? Is this even legal???
Consumer complaint received 2022-08-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (WA)

XXXX XXXX XXXX XXXX XXXX Revocable Trust XXXX XXXX, OFFICER for CHASE BANK, JPMORGAN CHASE BANK, NA at XXXX XXXX XXXX XXXXXXXX, WA XXXX On or about XX/XX/XXXX the Grantor and Trustee appeared by scheduled appointment at the location stated above. We intended to open a trust account, personal and/or business account ( s ). XXXX XXXX, Officer for CHASE BANK, JPMORGAN CHASE BANK, NA was provided with Passports as identification, a secondary ID, a tax ID number and Certificate of trust. XXXX XXXX made copies of the instruments we provided. XXXX XXXX, stated that it would take 3 to 5 days to get approval form what he called their back office ( legal review team ). No response was received. On XX/XX/XXXX, Grantor made another appointment online. XX/XX/XXXX, the Grantor and Trustee appeared at the location stated above where XXXX XXXX providing no documentation, policy or law supporting his script and non performance, stated on behalf of the Chase Bank that it would not open a trust account because it was a foreign governing body and that they would only open an account associated with a social security number. The Grantor stated he was unhappy about the situation. Upon hearing this XXXX XXXX stated he was entered that In the computer and Chase Bank will now refuse to do any business with you. The Grantor asked XXXX XXXX to provide me with direct contact with your back office and a supervisor of the department which he denied. I asked XXXX XXXX when did he receive the information. He replied Friday, XX/XX/XXXX. I asked why did he not contact me on the day he received the information. He replied, he didnt have time. XXXX XXXX stated that I the grantor has to get authorization from the state to open a trust account. 
Constructive Notice of Sec.1 Public Law 93-579, Privacy Act served XX/XX/2022.
Consumer complaint received 2022-06-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (GA)

In 2020 I received a call from my Mortgage Wells Fargo, company stating that if I'm having financial issues related to the COVID 19 pandemic that I could pause my payments for up to 1 year. At this time my business was totally halted from the pandemic so I elected to paused my payment for this time. It is important to know, this program was a no documentation program that they said was issues by the federal government in response to the pandemic. All I had to say was yes pause my payments and they would extend my term by how many months i decided to pause my payments. 

At that time my payments were a little more {$1900.00} dollars a month. Although I had a year to stay in the program, After 5 months my business was back up and running. I called Wells Fargo and everything went bad. Wells Fargo representatives explained to me that they made a mistake and give me false information. They stated that they did not 'pause '' payment, and the payments did continue. In fact, when I got out of the program. each payment that I missed would be taxed on to the principle! Meaning each month the Principle of my loan increased by the amount on my mortgage payment. The amount I owed went up by more that {$10000.00}!!! Even more, while disputing the mis-information, I could not get out of the " pause '' because that would trigger the increase principle payment. 

During this time of dispute, I paid my mortgage payments on time. None of the mortgage payment went to my account. For over a year, my payment went into a " non-asset '' account. Over {$20000.00} was place in this account. Although Ive paid the agree time, My Principle balance is more than {$12000.00} more than what it was 2 years ago and a {$22000.00} payment that is also due. 

To make thing even worst, While we were disputing this issue Wells Fargo sold my loan to the ABSOLUTE WORST loan servicer possible, XXXX XXXX XXXX XXXX XXXX. Although I was paying on time, Wells Fargo threaten to foreclose on my home. To keep from a foreclosure Wells Fargo worked out a new 40 year loan payment program which XXXX said they would honor. After just 1 payment XXXX raised my payment by {$100.00} a month. They stated this was a escrow audit. This is a lie. I know because 1 ) the escrow department stated that they did not do and escrow assessment on my account and 2 ) My insurance actually went down 3 ) My taxes never changed. 

The biggest issue is my the $ XXXX dollars that was not applied to my account from Wells Fargo was never transferred to XXXX. To this day, my XXXX account is showing a payment due of $ XXXX I strongly believe that Ive being scammed. At no time have I ever missed and agreed payment. While doing my research Both Wells Fargo and XXXX have a history of defrauding people with deceptive practices. 

Have have all records and many phone recordings to back up my claim. Is this something you can help me with or direct me to someone that can assist in this legal matter. Respectfully,
Consumer complaint received 2022-04-25
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. (WI)

i had a secured credit card with citi cards for a little over XXXX yrs always paid on time never missed a payment .Im trying to fix my credit and after being a year i asked for a credit increase got denied after a third time i was told that because i had a secured credit card i wasnt able to get a credit increase.The high interest fees and they telling me 2 times to wait another year when they never were really gon na give me an increase just to keep squeezing money out of me thru their interest and fees.Now i finally got fed up and asked for account to be closed and my {$800.00} reimbursed and it has taken them more than 60 days to date to do so.I was informed that on this past Saturday XX/XX/2022 that the refund of my money was approved now i have to wait another 10 to 14 business days to get my funds when i have already waited over 60 days because the first time i called to finally close it they didnt do it because their excuse was, well we usually wait up to 21 days because customers change their mind ... ... theres got to be some type of regulation on the abuse these banks do on hard working people
Consumer complaint received 2017-08-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: SUNTRUST BANKS, INC. (TN)

I was out of the country and booked a reservation through a travel agency named XXXX. The actual hotel name was XXXX XXXX. THE reservation was the same day I arrived. The reservation was made at XXXX in the afternoon. I entered my personal info name address and bank card info. I then thought the reservation was final .XXXX then sent me a email about 20 minutes later stating that they needed a photo picture of the front and back of my debit card and license to verify my information for there fraud department. The email also stated that if I had n't provided the information within 12 hours my reservation would be cancelled. I bank with suntrust and have recently had several fraud charges on my account including someome using my banking routing and account number to open a whole account with my information. I THEN called XXXX XXXX for more information before sending them my info. I called several times and was told to leave a message and never received a call back. About three hours later I then decided to make a reservation with the actual hotel to be safe then sorry. I also asked XXXX first to confirm that did not have the other reservation. I then made the reservation with the actual hotel for $ XXXX.Around XXXX XXXX that same day after I was checked in my room. XXXX XXXX charged my card for {$490.00}. I never received a call back from XXXX XXXX and I never sent them the information they asked for. I disputed the charge with my bank and they denied the claim.
Consumer complaint received 2023-01-02
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. (AR)

In accordance with the Fair Credit Reporting act. The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Company XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IL)

Scammed to send money through XXXX app for {$200.00} with fraudulent images of transactions for XXXX XXXX sale. I received no benefit from the transaction and no product was exchanged. Have filed an FBI report, XXXX report and contacted my financial institution.
Consumer complaint received 2023-01-02
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: EQUIFAX, INC. (PA)

To whom this may concern, my name is XXXX XXXX XXXX, and I have recently discovered that I've become a victim of Identity Theft. I am writing this personal statement on my behalf of myself. My information was utilized to apply and or obtain financial goods and or services without my knowledge or consent. I am requesting that the following information be removed from my accounts immediately. The account information is listed in this report and below : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-02
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: EQUIFAX, INC. (CT)

This is my ANOTHER endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX, CT XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX XXXX CT XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX.
Consumer complaint received 2023-01-02
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. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX