davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (TN)

I initiated a {$200000.00} wire transfer depositing USD into my Coinbase account on XX/XX/12. The funds left my bank account and have still not appeared in my Coinbase account. Its states on the Coinbase site that domestic wire transfers will fun either same day, or in a worst case, the next day.

I have also not spoken to a single person at Coinbase despite formally filing complaint case # XXXX. I have not received any information as to where that money is, over a week after the money was wired to Coinbase. This is unacceptable and must be resolved.
Consumer complaint received 2022-10-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

DEPOSITED A CHECK XX/XX/2022 FOR {$19000.00} AT CHASE BANK IN XXXX CA. THE CHECK WAS MADE OUT TO A PERSON NOT ON MY ACCOUNT BUT THAT PERSON INCLUDING MYSELF PROVIDED BANK WITH NECESSARY VERIFICATION TO DEPOSIT INTO MY ACCOUNT AS SHE SIGNED OVER CHECK TO ME. THE CHECK CLEARED BUT THE BANK WAS CONCERNED AND REPORTED MY DAUGHTER TO ADULT PROTECTION SERVICES AND SAID THE FUNDS WOULD CLEAR ONCE THEY CHECKED THAT THERE WAS NOT ELDER ABUSE AND CLOSED INVESTIGATION. ON OR AROUND XXXX, FIRST WEEK OF XX/XX/2022 AND THE BANK IS STILL NOT RELEASING FUNDS AND STATED THAT THEY CAN NOT TELL ME WHY THE FUNDS ARE NOT BEING RELEASED EVEN THOUGH THEYCLOSED MY ACCOUNT IMMEDIATELY AFTER DEPOSIT.
Consumer complaint received 2016-06-28
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pinnacle Credit Services, LLC (TX)

I have submitted Request for Verification of this debt via Certified Mail Return Receipt, which was signed by XXXX XXXX on XXXX/XXXX/2016, I have not received any correspondence from as of this date, I do not recognize this debt and am trying to fix errors on my credit report.
Consumer complaint received 2016-08-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Pinnacle Credit Services, LLC (CA)

I paid the debt with a settle offer. Please help me remove it from my credit report because I am trying to purchase a home and this is slowing the process. Thank you for your help.
Consumer complaint received 2021-11-22
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. (MI)

I have a few accounts in question that I've been trying to get to the bottom of please see the dates and accounts I have requested a response for : XXXX XX/XX/2021 and XX/XX/2021 ( no response ) XXXX XXXX XX/XX/2021 and XX/XX/2021 ( no repsonse )
Consumer complaint received 2016-12-13
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: FIRST AMERICAN FINANCIAL CORPORATION (NJ)

I cosigned my brother in law 's home loan in early 2007. later that same year, on XXXX 2007, he refinanced the loan with XXXX XXXX XXXX in order to remove my name from his mortgage. He Signed and Closed the Loan, as sole borrower, on XXXX XXXX, 2007. The title company was First American Title Insurance .when this new refinance Loan was " filed '' with the XXXX Clerk XXXX XXXX XXXX XXXX, A different loan closing document was used. this different document had my name added and my signature forged. furthermore, a notary falsely stated that " i appeared before her '' to sign said document. what is even more troubling is that the pen inked handwriting and signature matches the notary or whoever created the forged document. The very reason for the refinance loan was to remove me as a borrower. this type of blatant forgery and falsification is unacceptable from any financial entity, let alone a XXXX Bank. The only way i found this out was because my brother in law is losing the property on foreclosure, and i now have lawyers serving me court papers as if i am still involved in said loan/property.
Consumer complaint received 2021-03-18
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: Incomm Holdings Inc. (KS)

I received a My Vanilla prepaid debit card in the mail that I did not order. It was in my name and to my address but I did not order it. I have already reported this to My Vanilla. They have cancelled the card and started a case, # XXXX.
Consumer complaint received 2022-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (GA)

In XXXX I called about a card. I gave information liked I am using the card for building houses. I will only be using the card for building houses and nothing else. After this I received a personal gold card. I then called Amex about this and was giving the run around until I finally went online and applied for the business cards myself. After the getting the cards I called about my buying power. Every time I was told there is no preset limit but yet when I want to spend XXXX for building materials. Then in XXXX I was told I had XXXX on XXXX XXXX  credit card and XXXX on XXXX XXXX XXXX XXXX. Today when I need to spend money on building materials and to my acknowledgement I no longer have the XXXX on XXXX XXXX and after multiple calls nothing can be changed,.
Consumer complaint received 2016-04-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (MD)

I was granted a school loan and XXXX but was having difficulties finding a job related to my profession. I did n't have job stability and was barely able to keep up with everyday bills. I 'm at a stable financial position where I can now start paying back what was loaned
Consumer complaint received 2021-03-18
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: EQUIFAX, INC. (VA)

I have sent the Department of Education a letter of equity of interest stating that I am willing to oblige paying the amount the Department of education claims that I owe. The original lender of the loan was XXXX XXXX  and after trying to contact them I was immediately rerouted to the Department of Education. The first letter I sent was forwarded to a different address in which I received no correspondence whatsoever. After doing some research I found two addresses to the Department of Education. One in XXXX PA and the other in XXXX KY. It has been more than 30 days and I have not received any correspondence.
Consumer complaint received 2016-09-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MA)

I have been making payments for my parent plus loan via Navient and utilizing my electronic bank payments to do so. It seems that my payments have been received, but distributed to payments upon my brother 's loan and my loan resulting in multiple late fees and issues with both loans. Upon calling Navient customer service to discuss this issue, I was informed that they would not speak to me about my loan because the loan was a parent plus loan and that they would then have to speak to my father. I explained that my name is too on the loan, as it was a loan taken out in my name for me to go to school with no such success to dispute this issue.
Consumer complaint received 2023-03-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (MI)

They charged me a lot of fees they should not have. At the end of the loan they sent me like XXXX different checks for {$2.00} {$5.00} {$6.00} I called to complain they even put it on my credit report when they shouldn't have. I had nothing but problems with them. They made me buy the gap insurance and I was never reimbursed for it.
Consumer complaint received 2022-01-04
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: Resurgent Capital Services L.P. (DE)

The following account is showing on my credit bureau. I have no knowledge of this account. I have been a victim of name fraud- there have been multiple accounts and claims made in my name. This company has not provided me with any information, or a copy of the application to have this added to the police report. I did not open an account with this company in XXXX as it is reporting on the bureaus. I have now been denied a student loan due to this fictitious information. I had disputed the information with the bureaus and was told it meets fcra requirements even though no documentation has been provided. I have attached the police report referenced above. 
Account name RESURGENT/LVNV FUNDING Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$4.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$4900.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance - Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX XXXX
Consumer complaint received 2018-05-29
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: Experian Information Solutions Inc. (FL)

XXXX closed the account around XX/XX/XXXX and charged me several ETF fees for lines that I never signed a contract for. I've contacted XXXX, they say contact the collection agency. I am not interested in dealing with a belligerent collection agency. 

I've disputed the results with all 3 agencies. Experian is just closing the dispute with no additional information. They are now refusing to open a dispute despite never providing me any information on this account. I'm waiting on responses from XXXX and XXXX. 

Experian dispute report # XXXX. 

Here is what is wrong : The amount is incorrect by a significant amount, at least {$1000.00}. 
The account reports opened in XXXX. I have not had an account with XXXX since XXXX of XXXX. 
It somehow reports that payments were due and have been missed. Again, I have not had any account since XXXX. 
I don't even know if this is related to my actual XXXX account or if it is somehow someone else 's account. Nobody will tell me anything.
Consumer complaint received 2016-07-14
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had two different answers from two associates. I have one response from XXXX XXXX ( file # XXXX ) and another response from XXXX XXXX ( complaint number XXXX ) they both have a unanswered response to my complaint and now I have attached their responses. Right now, I am not understanding both of your views.
Consumer complaint received 2021-03-17
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC. (FL)

I entered into a 48 month lease with Ally Bank 6 months ago. I am now selling the vehicle to a 3rd party consumer. I am not buying the vehicle myself or trading into a dealership, I am selling it private party. Ally Bank says I am responsible for the sales tax, which is not correct. The person buying the vehicle is responsible for the sales tax. I had this problem with XXXX and had to have the CFPB step in to get it rectified.
Consumer complaint received 2021-03-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (TX)

My account was closed on XX/XX/21 for what they said was a suspicious XXXX payment credited to my account. I have been on the phone everyday with them since for hours trying to get this all sorted out and chatting in. They say i wont get my money until may and they wont give me any funds. This is absolutely ridiculous. How am i supposed to live without my money? This is criminal. I need my funds released to me
Consumer complaint received 2022-01-04
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: Experian Information Solutions Inc. (MD)

Experian is reporting incorrect unverified incorrect Bankruptcies on my credit report i have requested several investigations into my correcting my report but the issue still hasn't been investigated or corrected and was claimed to be verified through XXXX i recently obtained a copy of my XXXX report which show no Bankruptcy being reported so i am requesting and investigation to correct the issue
Consumer complaint received 2020-04-20
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. (TN)

Re : Verification dispute of XXXX XXXX XXXX XXXX/XXXX  accounts with same account number ( XXXX ), same past due amount ( {$180.00} ) and same creditor address ( XXXX XXXX XXXX XXXX, XXXX ) Dear Representative : I am writing to dispute Equifaxs claim of verification for the trade lines referenced above. I have disputed this account formation as being merged and therefore inaccurate but Equifax has come back stating these were verified. How is this possible? 

It is abundantly clear that these two trade lines are merged. It is impossible that two separate trade lines will have exact same account numbers, exact same past due amount and the exact same creditor address. That in itself should have been more than enough to alert Equifax that the information reported was inaccurate and warranted deletion. My previous CFPB compliant is attached. By continuing to report these inaccurate trade lines Equifax has caused undue damage to my credit worthiness and as a result I have been denied credit or have had credit extended at higher rates that I otherwise would have qualified for had the two trade lines above been properly addressed by Equifax. 

Per the Fair Credit Reporting Act ( FCRA ) : I have the right to dispute incomplete or inaccurate information CRAs ( Equifax ) must correct or delete inaccurate, incomplete, or unverifiable information within 30 days CRAs ( Equifax ) may not report outdated negative information I may seek damages from CRAs ( Equifax ) and credit reporting data furnishers ( XXXX  ) for FCRA violations I contend that Equifax did not perform due care in its investigation of the two trade lines and rubber stamped them as accurate. I am sure this occurred as a result of Equifax being understaffed due to Covid-19. This is evident by Equifaxs drastic cutting of phone support ; however this does not preclude Equifax from meeting FCRA requirements. In addition if the information from these two trade lines were being correctly reported the XXXX XXXX / XXXX trade line would not appear on my credit report at all. This is due to FCRA statute of limitations. This trade line has already been rightfully removed from my XXXX  and XXXX  reports for this very reason. 

This is a clear case of Equifax being in violation of the FCRA. I strongly urge Equifax to immediately remove these two trade lines or I will be left with no choice but to file suit with the intent of reaching class action status. The only acceptable resolution to this matter is for Equifax to delete these two trade lines immediately. 

While I prefer not to litigate, I will utilize the courts and publicity to enforce my rights under the FCRA and seek monetary damages. 


I look forward to swift resolution of this matter.
Consumer complaint received 2016-07-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (CA)

I was charged XXXX 90 days lates in XXXX and XXXX of 2013. I was enrolled at XXXX University in Oregon but i was not using financial aid so i did not do a FAFSA. Years later when i finally checked my credit, I found the late charges and I disputed them. Navient told me that they needed proof of enrollment so i sent them my class list and fee schedule for that semester. They informed me that was n't good enough and requested additional info. I feel like they are just making it hard for me to remove those late payments so they can keep their rates higher. This is double jeopardy. I would like for them to remove both late payments from all XXXX credit reporting agencies. 

thank you
Consumer complaint received 2022-01-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (GA)

CAINE & Weiner at XXXX XXXX XXXX XXXX XXXX CA XXXX has been sending me collection notices in the amount of {$910.00} the collected has been reported as past due. I do not know this company. I have never done business with this company. This company does not have a contract bearing my signature.
Consumer complaint received 2022-01-04
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XX/XX/21 I opened a savings account in a branch so I could better manage my money. I was told I wouldnt be charged any fees on the account if I didnt transfer money from the account more than the allowed times per month. 

In XXXX, I noticed a fee was charged for {$8.00} and had no idea why. I reached out to BofA and was told to message them on XXXX and asked for the fee to be waived and how I could avoid the fee in the future. 

I was called by XXXX, ID # DYYJC today and he was rude and combative from the beginning. I let him know I was never given any information pertaining to the fee that was charged and he said there may have been a promotional period on the account to prevent the fee. I advised I never got any emails, letters or papers from the branch I opened the account in and that Im a college student taking care of my mother who just recovered from XXXX XXXX. He still refused to waive the fee and told me Im liable even though Ive never had a fee waived prior in reference to this account. This is the first time Ive requested this fee to be waived and its robbery for BofA to tell me Im liable for a fee I had no idea about. We are in the middle of a pandemic and the {$8.00} fee is enough for food and gas, yet BofA decides to nickel and dime me with no reasonable explanation. Had they waived the fee and told me how to prevent it, I wouldve been satisfied. However, they did nothing of the sort.
Consumer complaint received 2021-03-16
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: BARCLAYS BANK DELAWARE (NC)

I notify my cc company and the company that the charge came from on XX/XX/XXXX about a charge that appear on my statement for XXXX both company reviewed the case and the charges were reviewed and finally they both removed the charges. My XXXX statement showed that I had received a credit for XXXX and that left me with a XXXX  bal. On XX/XX/XXXX I purchased Airlines tickets and on that very day the XXXX charged reappeared on my cc balance alone with the tickets and. I contracted the cc company about the charges reappearing back on my balance that was remover in XXXX and after talking with 3 assoc I was told that the charges could not be removed again.
Consumer complaint received 2022-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MA)

XXXX XXXXXXXX-2022 I attempted to place a credit freeze with Experian. They were unable to honor the security freeze. They want me to mail copies of a governmental issued ID and utility bill, bank or insurance statement and the original info I submitted. My other option was to request a " credit lock '' for a fee. 

It was difficult to find the credit freeze option. It has the appearance of making it difficult for someone to obtain the protection without having to pay Experian. 

Note : XXXX and XXXX were able to process my freeze request immediately.
Consumer complaint received 2016-07-29
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I made a {$2000.00} deposit to one of my Bank of America checking accounts on XXXX XXXX, 2016. I then had to transfer the money to another checking account to cover a payment and on XXXX XXXX, 2016 I mistakenly transferred the {$2000.00} to my credit card account ( giving me a negative balance on my credit card of {$1100.00} ). The mistake was very easy to make as the XXXX checking accounts and credit card account show up in the mobile app as though they were all similar accounts. When I realized the mistake I made, on XXXX XXXX, 2016 I pulled the {$1100.00} negative balance back out of my credit card account and transferred it to my checking account. Bank of America charged me {$61.00} to pull my own money out of my credit card account and pass it to my checking account, claiming that it was a " cash advance '' from my credit card. However, I was not using my credit card to finance anything, I was simply pulling my own money back out of my credit card account and transferring it to my checking account. After the transaction I had a {$0.00} balance on my credit card and did not take a cash advance. I called Bank of America and tried to get my {$61.00} refunded. After an hour on the phone with them they refused to give me my money back.