davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (MA)

The following are interactions with the Coinbase cryptocurrency exchange : XX/XX/XXXX bought XXXX XXXX coin for {$700.00} XX/XX/XXXX bought XXXX XXXX coin for {$4800.00} XX/XX/XXXX bought XXXX Bitcoin for {$26000.00}. 
XX/XX/XXXX attempted to transfer the Bitcoin out of Coinbase, and the transfer was automatically cancelled. 
XX/XX/XXXX again attempted to transfer Bitcoin out of Coinbase and the transfer was again automatically cancelled. 
In each case an email was sent to me indicating that the withdrawal had been cancelled because I was " currently unable to send Bitcoin. Please contact support ''. Using their contact form I related my problem to customer support. 
XX/XX/XXXX I received an email from support ( case # XXXX ) confirming receipt of my note and indicating that my case was being transferred " to a specialist who will be able to further help with this issue ... ''. 
XX/XX/XXXX after not hearing from Coinbase support for 3 days I used the complaint form accessible through their website to initiate a complaint. 
XX/XX/XXXX I received a computer generated form by email which confirmed receipt of my complaint form and assigned a case number ( # XXXX ). It also stated that : I would " receive a response from the Customer Complaints Officer within 15 business days '' and that " If for any reason we require an extension, we will notify you as soon as possible '', and that " ... .our internal complaint process will need to be completed before any litigation process is initiated ''. 
XX/XX/XXXX I sent an email asking about progress. I received a response indicating that " We've passed all new information on to an account specialist who is reviewing your case-they 'll reach out to you here '', ( through this email thread ), " review generally takes 4-5 business days ''. 
XX/XX/XXXX I sent another email reiterating my request and indicating that had now been locked for five weeks without explanation, and that they had failed to meet the terms of their side of the complaint process. I received a the same response I had received on theXXXX. 
I have not been able to sell or transfer either asset in the account for over five weeks. 
No explanation has been provided for this state of affairs. At todays prices these assets are worth about {$70000.00}. Yesterday they were worth in excess of a XXXX dollars more. The inability to trade these coins is a financial liability which could potentially cost me much more than it did yesterday. 
Coinbase has not lived up to the responsibilities of their side of the complaint resolution process and at this point it seems as though only the intercession of a third party will overcome their inertia and get them moving toward resolution of this matter.
Consumer complaint received 2016-10-23
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENOVA INTERNATIONAL, INC. (TX)

As we previously advised you, you have failed to make payments required under your loan agreement or to contact us to take corrective action. As a result, your account number XXXX was sold to XXXX XXXX XXXX on XXXX/XXXX/2013. The outstanding balance was {$770.00}. 

This third-party debt buyer retains all legal rights to the amount owed. If you would like to make a payment, please contact XXXX XXXX XXXX at XXXX or XXXX
Consumer complaint received 2015-05-09
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP (VA)

I had a {$51.00} credit card statement balance, on or about XXXX I disputed a {$50.00} charge, on XXXX I received an email from US Bank stating they had received my dispute and would contact me in XXXX days ; I have still not received a reply. 

On XXXX XXXX, I paid the {$1.00} remaining balance on my credit card, as I am not required to pay the disputed amount during the dispute. 

I was charged a {$27.00} late fee for not paying the disputed amount, a {$2.00} finance charge and received my new statement stating I must pay all {$79.00} XXXX XXXX ). 

While I called customer service and they removed the fees, it seems that if I have an item in dispute, by charging me a late fee for not paying the item in dispute they are violating my rights under the Fair Credit Billing Act and they may be doing this to other customers as well who do not know their rights.
Consumer complaint received 2021-02-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Oliver Adjustment Co. (WI)

I received a notification today that a collection was added to my credit report in the amount of XXXX. I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my reports. That is a violation of my rights and I want this alleged debt removed from my credit reports immediately!
Consumer complaint received 2021-02-16
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. (NY)

On XX/XX/20 an unauthorized purchase was made to my credit card. Upon seeing the charge I made a call to Citi Bank to tell them it was not my charge They cancelled the card ending in XXXX and issued a new card ending in XXXX. They allowed the charge again on the new card and kept allowing charges. 
The company that made the charges XXXX XXXX XXXX XXXX. The thief had my social security number probably due to the XXXX  breach. So Citi Bank determined I must have made the charge. I requested the product description and they refused to provide it, supposedly for privacy purposes. I did not make the purchases and both Citi Bank and the XXXX company refused to find the thief. 
charges XX/XX/20 {$60.00} XX/XX/20 {$180.00} XX/XX/20 XXXX new card XX/XX/20 {$180.00} XX/XX/20 {$12.00} XX/XX/20 {$160.00} XX/XX/20 {$20.00}. 
I filled out every form they sent both in e-mail and USPS. They still made me pay me all the charges. I finally closed the acct. I want my money returned to me and the thief found. I have also spent tons of time and expense returning the forms and many phone calls. 
Transaction Details Transaction Date : XX/XX/20 Transaction Amount : {$180.00} Merchant/Description : XXXX XXXX Dispute Details Dispute Date : XX/XX/20 Dispute Amount : {$180.00} Dispute ID : XXXX
Consumer complaint received 2015-09-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (CA)

Experian has fraudulent information listed on my credit file from XXXX XXXX XXXX XXXX Numerous attempts to dispute this Inaccurate and Unverifiable information have been made with no remedy. Supporting documentation will be sent via U.S. Mail
Consumer complaint received 2021-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (AZ)

In XX/XX/2020, AMAZON featured a new XXXX laptop for purchase through a third party marketplace seller. But its seller sent me a " refurbished '' unit worth hundreds less instead. I complained to AMAZON and it suppressed my feedback. It also gave no support in return process. SO it was returned on XXXX to AMAZON 's warehouse and USPS said it was delivered. But Amazon refused to communicate again. Instead, it deferred my refund requests ; {$1400.00} charge was disputed at CHASE VISA. At CHASE, its Disputes area reversed charge, anonymously slanted communications to exclude key facts, and pretended Return Policy controlled transaction from getgo. CHASE came back AMAZON 's false inference that my original order for NEW was fulfilled. Instead of acknowledging my feedback to contrary, it anonymously rambled off AMAZON ' order record, tracking record, delivery record, etc, while falsely asserting its order fulfillment evidence justified the charge for alternative item ; hence, I was found responsible for charge on review. So I tried CHASE executive branch for review, but got nothing in terms of a reply except COVID 's got us down, see you later. By focusing on false inferences created at AMAZON in Dispute area, CHASE de-emphasized my timeline of events and completely glossed over the fact that AMAZON never disputed a wrong item was sent to begin with. CHASE behaved as if order was fulfilled, so full charge was warranted. If you send the wrong item a full refund is immediately due. It sketched over my return to shipping address given and delivery status for XXXX XXXX XXXX XXXX XXXX XXXX. Instead of advocating for me in AMAZON 's fraudulent activity that my card is supposed to protect against, CHASE skirted my attempts to reach out to its executive team and clarify what the facts are here.
Consumer complaint received 2021-02-15
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. (KY)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, KY XXXX US DEPT ED XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} US DEPT ED XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} US DEPT ED XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} US DEPT ED XXXX Date Opened XXXX XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Medical XXXX Date Opened : XX/XX/XXXX Balance : {$26.00} XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

PLEASE CORRECT MY NAME AND ALL ALIAS NAMES AND PREVIOUS ADRESSES THEY ARE WRONG I NEVER USED THEM AND NEVER LIVED AT THOSE PLACES I EXPECT THE COMPNAY TO DO THEIR JOB THIS IS THE 2ND TIME TRYING TO FIX THIS ISSUE SEE LETTER ATTACHED
Consumer complaint received 2021-02-16
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. (FL)

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. PUBLIC RECORDS : BANKRUPTCY CHAPTER XXXX DISCHARGE
Consumer complaint received 2017-01-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (IL)

Previously disputed bankruptcies being reported o my credit report. Experian sent me results that the items were factual. I then resubmitted a dispute due to there are multiple spelligs of my name and multiple social security numbers that do not belong to me on my report. In the latest dispute Experian refuses to reinvestigate my claim of the bankruptcies not belonging to me bankruptcy case # XXXX XXXX XXXX These are not my cases
Consumer complaint received 2021-02-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PNC Bank N.A. (PA)

My issue goes back to XXXX of XXXX I had over draft protection on my account. I went over that amount. When looking for a house and running my credit, I found out that I owed that to PNC bank. I immediately called and paid off the debt. 6-8 month later, it was still on my credit. I filed a complaint with you since the bank itself is useless and has a dead address via a XXXX XXXX XXXX They responded pretty fast. Turns out that the customer service person that I talked to never processed my payment. The VP of one of the departments called and informed me if the issue. She took my payment right then and there. I received a letter stating that my account was paid in full as of XXXX of XXXX and that the matter would be put to rest. I have that letter. I recently ran my credit and that " ding '' is still on my credit. It's saying that it was charged off. How can it be charged off when I paid it off and i have proof on PNC letter head that it was paid off?
Consumer complaint received 2021-02-16
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. (MD)

I need to keep my contact information private with CFPB. 



I have relocated to NY but was informed since the store is a nationwide chain store it can be accepted any state. 

This is only a few of the documents IN ALL OUR MILITARY MOVES, WE NEVER EXPERIENCED BEHAVIOR LIKE THIS AT ANY STORE MUCH LESS A NATIONAL CHAIN THAT IS SUPPOSED TO BE UNIFORM NO MATTER WHERE YOU ARE & TRANSPARENT. THIS IS WHY WE CHOSE THEM. THEY ALSO PROFESS TO BE BIG SUPPORTERS OF OUR US ARMED FORCES AND VETERANS ALIKE. WE DID NOT EXPERIENCE THIS. 

HOW WOULD YOU FEEL IF BELOW HAPPENED TO YOU? 


Heres how Home Depot violated their own mission statement : They sent the wrong products to me repeatedly with little to no remorse Refused to honor what they originally promised Their unwillingness to resolve the problem Their credit card took my dispute and found in my favor THEN when I closed the account, THE CREDIT CARD REOPENED MY CARD & put the charges back on. 
Their attempt at a bait and switch by trying to give me a lesser quality/priced product They would move me from employee to employee, passing the buck Person charged to fix their admitted mistake ignores me that why were here Their measurements after going to the house were still wrong They sent damaged products repeatedly Finalized dispute in XX/XX/XXXX in my favor with XXXX balance ( see statements ) HOWEVER, my XXXX statement shows that the disputed amount of $ XXXX was credited back to my card without me knowing and without my permission and without any explanation as to why they apparently had reversed the FINALIZED disputed decision. Once a dispute is finalized the credit card said repeatedly it final? 
To date I am still missing corrected products about $ XXXX worth ( store wouldnt honor or wont go through with me exact amount ) Management telling me that if I asked for ONLY the items I bought but were given incorrectly in one room then they said they refused to take care of the other rooms They picked up products I didnt order and products that came wrong/broken and promised to refund but never did This has been such a long, arduous ordeal so please excuse any repeats in journaling of most of the events. 

HD mission statement : When customers shop with The XXXX XXXX, theyinviteus into their homes and businesses. We are grateful for theirtrustand understand the responsibility that comes with it. That's whywe are committed to doing things better every day- building a great place to work for our more than XXXX associates, constantly improving the sustainability of our products and operations, and giving back to the communities we're proud to call our own. The Home Depot has been empowering doers since XXXX. It is our hope that we will continue to empower our customers, business and planet for many years to come
Consumer complaint received 2021-02-14
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. (CA)

XXXX paid off my XXXX XXXX XXXX. 
XXXX XXXX XXXX still shows open account in Equifax XXXX Disputed with Equifax. Equifax rejected my dispute said it was accurate. 
XXXX disputed with Equifax XXXX Sent Equifax copy of XXXX XXXX records showing account paid off, sent copy of letter from XXXX XXXX saying all is clear, sent copy of County Recorder record showing documents recorded. 
XXXX Equifax closed dispute. No change on my credit report. Unable to open XXXX  with explanation of dispute resolution. The Equifax XXXX  won't open because apparently it is corrupted with virus. I have made several calls to Equifax during this time but phone people are very nice but very limited. 
XXXX XXXX XXXX months after payoff ; account still shows open, can't read the dispute resolution because it won't open I ask if they could put up a new explanation free of virus and they said they can't, can't accomplish anything on the phone, can't make another dispute because their process has me blocked from making another dispute. This is not hurting my credit because i have an XXXX but it certainly exposes the frailties of their system. I know in a large operation you can't be perfect, but the true up process needs to work. All I want it to make my account accurate.
Consumer complaint received 2021-02-13
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (CO)

The card you send me is incorrect I didn't Unemployment benefits So I don't need it close Day account because I didn't apply for So I think this a fraud By somebody else Usin my name and so security account Oldest is a fraud on my name
Consumer complaint received 2022-10-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RELIANCE FIRST CAPITAL LLC (NC)

After refinancing with Reliance First Capital my monthly mortgage was XXXX. Then it changed after 6 months to XXXX I was told my escrow was too low. I was told in XX/XX/XXXX the pymt will go back to XXXX. I changed my home insurance XXXX XXXX to all state it saved me XXXX same amt of coverage. My yearly pymt went XXXX XXXX. XXXX. XX/XX/XXXX Now a couple of months after that I received a letter stating I have to have PMI insurance which was never added til now. My mortgage statement is requiring I pay XXXX Can you please advice me if reliance is ripping me off? 
Also not long ago I was looking into refinancing I realized the rates were too high so I declined. I received a call XXXX XXXX XXXX who did my refinance at Reliance first Capital he said & I quote I was watching you credit inquiring are you looking to refinance I said no I am not. We ended the call right after. is that legal? 
Signed XXXX XXXX
Consumer complaint received 2015-06-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MD)

This information just showed up on my credit report within the last month. I think there are a collection agency for a credit card from XXXX XXXX. I had a credit card with the company that was opened in XXXX and paid off and closed around XXXX. I had a great payment history with XXXX XXXX. As I stated in other statements that on my credit report this creditor always showed paid as agreed. Now I believe around XXXX XXXX I checked my credit reports and XXXX XXXX is showing up negative. I reached out to several Customer Service Representative and there were not friendly. If someone could please help me with this problem I would be thankful.
Consumer complaint received 2021-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

Account was charged off several years ago however continue to update as past due. I have disputed. Attached documents shows last delinquency first reported as XX/XX/21 falsely damaging my overall payment history.
Consumer complaint received 2021-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CFS Holdings, Inc (PA)

When I tried to contact the company, they stated that they no longer have the debt and they couldnt verify it. They stated they have no paper work on the alleged debt. I called and wrote multiple times to no avail.
Consumer complaint received 2016-09-14
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (CA)

I opened an online bank account with www.pnc.com a couple of months ago. It was suppose to be a free online checking account. I found that they charge me {$25.00} for 'service fee '. They refuse to refund this money.
Consumer complaint received 2016-11-09
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: PNC Bank N.A. (NY)

I financed a car through PNC bank. I was required to open a PNC bank account when opening the loan account and keep a minimal balance there to cover the loan payments. As a responsible consumer I also singed up for automatic transfers from the bank account to the loan account on the payment date. 
After the first month, I noticed that there were XXXX transfers out of the bank account. This also caused me bank fees for the overdraft. I contacted PNC bank to complain. I was advised that I probably made the payment twice. I said that this was not correct, as I had only scheduled it once. They said that they would reverse the extra payment and fees. 
The next month, PNC again withdrew the payment twice. This time they also charged me a {$30.00} fee on the loan ( I assume because of the reversal ). 
I contacted PNC again. This time they told me that PNC automatically withdraws money from my bank account. I told them that without my permission it is fraudulent to do so. They said that it was in the contract. I said that they never advised me about the automatic transfer ( without my permission ) the first month and had they done so, I would have cancelled the auto pay that I set up. In addition, right after receiving the car, I had contacted PNC for a copy of the contract as I wanted to make sure I had the full copy, and there was no mention of an autopay in the contract that they mailed me. 
PNC said that they would look into it and reverse the charges. I have not heard back since. In addition, in order to reach them, I have had to call many times, send many email, and they rarely reply. What they are doing is Fraud and illegal.