davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: SUNTRUST BANKS, INC. (NC)

I attempted to open a business checking account today ( XX/XX/XXXX ) as I have just recently launched my own company. To my surprise, and sadness in what should have been a very happy day, I was turned away from XXXX XXXX due to a prior reporting by SunTrust. I was not turned away due to poor credit, or bounced checks, or not providing the necessary business paperwork ... but due to an odd decision on top of an odd decision made by SunTrust. XXXX provided an adverse action notice on the new account due to SunTrust reporting fraud on a previous checking account that I had with them ( ending in XXXX ). This was a shock as SunTrust, in XX/XX/XXXX, closed the account abruptly with no information. At the time I was frustrated, and after talking and escalating many times with SunTrust I learned that the account was closed due to me opening " too many disputes '' and due to their internal regulations/tolerance to have the account. As much of a pain as it was to have a checking account closed with no notice, and as questionable a practice as it now seems in hindsight, I shrugged it off at the time and went to another banking institution. Now, years later, this odd decision which was originally a question mark is now haunting me again in the form of not letting me establish new banking relationships. As a consumer I would expect a bank, and still do with my current financial institution, to act as an intermediary when it comes to a dispute with a merchant. If there are questionable charges or a merchant is uncooperative, I ( as do many other consumers I presume ) seek aid from the financial institution who facilitated the transaction via the dispute process. How should this lead to ramifications to the consumer in the form of an abruptly closed account or adverse consumer reporting on an account with a {$0.00} balance? It should n't. 

Further, I have researched with XXXX ' consumer reporting agencies and XXXX XXXX XXXX does not have record of this " fraudulent '' account. I am still awaiting feedback from XXXX ' other provider, XXXX XXXX XXXX. 

Lastly, I have attempted to resolve directly with SunTrust to no avail. When the account was closed in XX/XX/XXXX I was a confused consumer that had minimal harm from the ordeal - now I am a baffled consumer that is being held back from finalizing a business start up. The case number with SunTrust is XXXX. SunTrust 's customer care and credit reporting departments evidently have no knowledge of this adverse reporting and have no abilities/desires to correct the issue.
Consumer complaint received 2016-09-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (HI)

I have attended XXXX XXXX XXXX XXXX XXXX in the past. The department of Education has sent me a notice stating that I may be eligible for discharge of loans. I really need help with this situation because I have loans that I have accumulated and feel that I am stuck because I have huge debt that I have accumulated and never received a degree to apply for a job. Could you please contact me so I can try to resolve this issue.
Consumer complaint received 2018-01-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY (NV)

I was in a car accident on XXXX XXXX. 2017. The women who hit us, car insurance is XXXX XXXX, out of California. My car loan was with Wells Fargo Dealer Services. My car was totaled. The process of getting the loan pay off was delayed, according to XXXX XXXX by Wells Fargo. While I was waiting for the payoff, Wells Fargo added car payments, late fees, and other fees. When I checked with XXXX XXXX on the process, they told me it had been delayed, because Wells Fargo had not sent them the information they needed to complete the process. I called Wells Fargo, who told me they had just received the information from XXXX XXXX and was processing their request. When XXXX XXXX received the information, they submitted a payment. I had gap insurance, so after the insurance made their payment, the gap insurance made theres. About a week later I received a bill from Wells Fargo Dealer Services, telling me that I still owed them and that because I was late paying them they added on late fees and if I didnt pay they will send the bill to charge off. I contacted them and spoke with the office of vice president and explained what happen and that this bill should be paid in full. They contacted me back and stated the bill was correct and if I did not pay it in full they will send it to charge off. 
Well, they did send it to charge off and then I received another letter from them asking me for the debt, after the charge it off. The people I was trying to work with to resolve this matter, is the same people calling me after the charge off. When people constantly call you and harass you, you remember them. This loan should have been paid in full. When I contacted the gap insurance, they told me, they do not cover any additional fees added by Wells Fargo. This is just not fair and I would appreciate you looking into this matter for me. 
I have included the letters they sent me before and after the charge off.
Consumer complaint received 2018-01-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

I exchanged virtual currency for USD using Coinbase 's service. I requested a withdrawal of {$230.00} on XXXX XXXX, 2017. They debited my exchange account and told me the wire would arrive in my bank within ten business days. It has now been a month and I still have not received my funds. I have opened multiple support tickets with Coinbase but they have been completely ignored.
Consumer complaint received 2018-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (CO)

My college loans have been duplicated on my credit report, all three major reporting agencies have the same wrong data. I have spent over 20 hours on the phone with Discover Student loans in the past two weeks. The lack of customer service is simply appalling. I have talked with 5 different supervisors. All state the error is on Discovers end. My balance to the loans is currently XXXX. In XX/XX/XXXX Discover is stating they issued new identification numbers to their loans for ease of access to the consumer. With whatever changes they made they are now showing my total balance due on credit agencies to XXXX. XXXX. When contacting discover they first blamed XXXX for duplicating the information to all three reporting agencies. I had an open dispute with all three agencies, to which a representative from each agency stated to have discover contact them directly with the loan balance. 
Here comes my frustration. 3 separate Supervisors, XXXX, XXXX, and XXXX all stated it is not in their prerogative to initiate a contact with the agencies including my open dispute case number. This would be as simple to send the updated information to the agencies, but from what I can tell they are too busy covering their tracks rather than owning up to the discrepancy. They have stated they have sent the information to all three agencies, but to date all agencies state they have not received anything from discover. 
I call Discover to talk to someone above a supervisor and they said that would be redundant. Redundant to fix a clerical issue of almost 100k?! I am in the process of procuring a mortgage, this incorrect information has dropped my credit 100 points. Discover has sent myself updated loan information that is correct, and states they have contacted the credit agencies but offer no proof of such contact. I am in desperate need of assistance and am contacting you folks before I contact an attorney to see what rights I have as a consumer to take action against Discover. I understand accidents happen but I am appalled that with a company who purchased my loans from XXXX, I am stuck doing business with what feels like a criminal organization. Please advise of steps I may take.
Consumer complaint received 2018-01-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (DC)

In XX/XX/XXXX, after ten years paying XXXX XXXX account # XXXX, XXXX XXXX sold my mortgage loan services to Green Tree. I pay my mortgages by check mailed from XXXX XXXX 's main XXXX XXXX on XXXX XXXX in XXXX XXXX on the XX/XX/XXXX. The first seven XX/XX/XXXX payments went to GreenTree account # XXXX. The last five XX/XX/XXXX payments went to Ditech account # XXXX. GreenTree 's XX/XX/XXXX updated statement represented a 'principal balance ' of {$47000.00}. I made all $ 2000 monthly payments since XX/XX/XXXX in time through XX/XX/XXXX. Accordingly, Ditech 's XX/XX/XXXX 's statement showed a 'principal balance ' of just over {$24000.00}. XX/XX/XXXX statement 's declining 'principal balance ' reflected just over {$22000.00}. I appeal to CFPB here because Ditech 's subsequent three XX/XX/XXXX monthly statements for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX reflected the same 'principal balance ' amount of just over {$22000.00}. Furthermore, Ditech 's XX/XX/XXXX counts my XX/XX/XXXX payment in a " Total Paid Year to Date '' amount of exactly {$24000.00} or 12 times {$2000.00}. My primary appeal to CFPB believes I have paid off the mortgage for XXXX XXXX XXXX XXXX, XXXX XXXX, although Ditech disagrees. 

My secondary CFPB appeal here questions first GreenTree 's and now Ditech 's increasing, instead of decreasing, monthly statements ' 'amount due ' amounts. XXXX XXXX  's monthly 'amount due ' amounts annually decreased from $ XXXX in XX/XX/XXXX to $ XXXX in XX/XX/XXXX when GreenTree became my mortgage service provider, decreasing because I always paid {$2000.00} each month on a fixed rate mortgage pegged at 4.875 %. In less than four years GreenTree and Ditech increased the monthly 'amount due ' amount to {$1900.00} due by JXX/XX/XXXX. In XX/XX/XXXX, the year GreenTree became my mortgage service provider, Vermont 's attorney general had GreenTree restore Vermont citizens ' money paid to GreenTree for GreenTree 's fraudulent mortgage services. XXXX 's first Attorney General, XXXX XXXX, first won election in XX/XX/XXXX. GreenTree 's Vermont legal outcome, GreenTree and Ditech 's annually increasing 'amount due ' amounts, my own XX/XX/XXXX $ 22,000+ 'principal balance ', and XX/XX/XXXX statement 's {$24000.00} 'total paid year to date ' amount, all let me wonder if I my mortgage payoff completion passed with XX/XX/XXXX 's pay receipt. If so then Ditech owes me at least {$2000.00} instead of me owing Ditech {$6900.00} more. 

This CFPB appeal should also inform Ditech of XX/XX/XXXX payment 's possible late arrival if at all. My faith in transparency urges CFPB 's publishing with account numbers and the aforementioned DC address.
Consumer complaint received 2018-01-08
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: SYNCHRONY FINANCIAL (NY)

I have several hard inquiries that I never applied to. 
Here is the list of false hard inquiries : On XXXX : 1. XXXX : Inquiry from XX/XX/XXXX 2.XXXX : Inquiry from XX/XX/XXXX On XXXX : 1. XXXX XXXX XXXX XXXX XXXX : Inquiry from XX/XX/XXXX 2. XXXX XXXX XXXX : Inquiry From XX/XX/XXXX.
Consumer complaint received 2018-01-08
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. (NC)

I paid off the account in XXXX and when I received my most recent reports, they are now reporting me late in XXXX on a closed account! 

I have repeatedly asked them in writing to report accurately or remove the accounts but they just seem to ignore me and their responses on the credit report say " they verified that the account belongs to me & reported me 90 days late 3 months in XXXX ''. I never asked them to verify if it was my account, I asked them to remove the late payments in XXXX on an account that was PAID & CLOSED in XXXX!
Consumer complaint received 2018-01-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

We filed bankruptcy in 2010. We live in the effected area where Hurricane Harvey hit and flooded our neighborhood. We have our mortgage with Well 's Fargo Home Mortgage. We have been passed around so many times that I do n't have any names to give you on who said what. We decided to relocate and are in the process with an SBA loan. Our home owner 's insurance on the current flooded home, did not cover flooding, but did roof. We had hail damage and the roof leaked during Harvey, causing mold to grow on the ceiling. XXXX XXXX, home owner 's insurance, only paid {$6100.00} to fix the roof. This check was made out to us and Well 's Fargo. We followed their steps to send the check to them. We faxed them a letter, per Well 's Fargo, stating that we needed to know in writing if they were going to apply the monies to our outstanding balance or use it to fix the house. That was 2 weeks ago. We have heard nothing from them. All we need is a letter stating their intention towards the monies and they will not let us know. My husband called them last week and ended up in an argument with the person he spoke with.
Consumer complaint received 2018-01-08
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. (GA)

I contacted Equifax on XX/XX/XXXX and made them aware of inquiries on my credit report that I did not authorize and are a result of fraud. The inquiries and dates are as follows : XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX. I have an active fraud alert on my consumer report with Equifax and I extended it for another 90 days in attempt to prevent any further fraudulent activity. I also submitted a police report to accompany my claim, which I have included with this complaint. The report contains information that proves my personal information was compromised. I received correspondence from Equifax stating that the fraudulent inquiries still remain on my report. I am very upset that my personal information is being mishandled by Equifax and I should not be held accountable for a fraud related situation.
Consumer complaint received 2018-01-08
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. (CO)

My college loans have been duplicated on my credit report, all three major reporting agencies have the same wrong data. I have spent over 20 hours on the phone with XXXX XXXX loans in the past two weeks. The lack of customer service is simply appalling. I have talked with 5 different supervisors. All state the error is on XXXX end. My balance to the loans is currently XXXX. In XX/XX/XXXX XXXX is stating they issued new identification numbers to their loans for ease of access to the consumer. With whatever changes they made they are now showing my total balance due on credit agencies to XXXX. XXXX. When contacting discover they first blamed XXXX for duplicating the information to all three reporting agencies. I had an open dispute with all three agencies, to which a representative from each agency stated to have discover contact them directly with the loan balance. 
Here comes my frustration. 3 separate Supervisors, XXXX, XXXX, and XXXX all stated it is not in their prerogative to initiate a contact with the agencies including my open dispute case number. This would be as simple to send the updated information to the agencies, but from what I can tell they are too busy covering their tracks rather than owning up to the discrepancy. They have stated they have sent the information to all three agencies, but to date all agencies state they have not received anything from discover. 
I call XXXX to talk to someone above a supervisor and they said that would be redundant. Redundant to fix a clerical issue of almost 100k?! I am in the process of procuring a mortgage, this incorrect information has dropped my credit 100 points. XXXX has sent myself updated loan information that is correct, and states they have contacted the credit agencies but offer no proof of such contact. I am in desperate need of assistance and am contacting you folks before I contact an attorney to see what rights I have as a consumer to take action against XXXX. I understand accidents happen but I am appalled that with a company who purchased my loans from XXXX, I am stuck doing business with what feels like a criminal organization. Please advise of steps I may take.
Consumer complaint received 2017-09-13
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: CITIBANK, N.A. (VA)

XXXX of XXXX charged me for the service I do not need this XXXX XXXX, I fought it for 9 months, finally on Step 7, the XXXX wrote me a check of XXXX XXXX but actually by now citibank asked for more than XXXX XXXX this morning I called citibank, their dispuing department lady say I should pay the difference, which is very unfair. At the beginning of this dispute, I told Citibank already, the proof is in their computer records of my citicard history which showed I disputed 2 times already successfully in year XXXX and year XXXX, they did not show the proof of this to XXXX, which caused me 9 months fighting with XXXX, and got only {$120.00} reimbursement, which is not enough to pay Citibank.
Consumer complaint received 2018-01-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (TX)

On XXXX/XXXX/2018 I accidently sent {$610.00} from a Bitcoin cash wallet on Coinbase to a Bitcoin Wallet XXXX ) on XXXX. Here is the XXXX. I have tried reaching out to COinbase and XXXX for the last 4-5 days requesting that the funds be credited to the proper account. I have received no response from XXXX or Coinbase.
Consumer complaint received 2018-01-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (AZ)

On XXXX XXXX, 2017, I sent a wire to GDAX for {$5000.00} USD to be deposited into my GDAX wallet. They were not able to apply this wire to my account due to a name mismatch. Coinbase then emailed me saying to allow up to 7 business days for the funds to be returned and that if it took any longer than that to contact their wire support team through email. After seven business days I sent an email and received no response. Now its been ten business days since I originally tried to send the wire and I still have not received the funds.
Consumer complaint received 2018-01-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (PA)

XX/XX/17 I transferred {$21000.00} to Coinbase Inc to be deposited in my account. I received an automated response that it would be delayed by 2-4 days. My account has still not been credited for the amount after 12 business days. I submitted 2 support tickets, and reached out to other representatives and still have not heard anything back. 
Coinbase support ticket # XXXX
Consumer complaint received 2018-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: U.S. BANCORP (FL)

I mailed XXXX XXXX a check for {$240.00} that they received on XX/XX/XXXX. i asked that they apply the over payment of XXXX to a purchase that is going to start charging interest in XX/XX/XXXX which they they did not. when i called today i was told they will not apply my over payments to where i advise then i want them applied. I then told this same supervisor to close my account and she also refused to close my account. Why are they not required to apply my over payments where i want them applied so that they do n't earn more interest from me. This supervisor named XXXX reminds me of a XXXX XXXX XXXX XXXX and should be fired for her attitude. they are also not listing my interest rate on my statement For purchases
Consumer complaint received 2018-01-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. (CA)

Hi, I am submitting this request regarding Coinbase 's glitch on XX/XX/XXXX where I made a Market purchase for BCH in USD for a total cost of {$3200.00}. During go-live sale for BCH on XXXX the price was jumping all around, to a point where it climbed up to a price of {$9500.00} where Coinbase had to freeze the exchange because of how out of control it was. 

My market purchase of {$3200.00}, was split into 2 purchases, XXXX BCH for {$5700.00} and XXXX for {$5900.00}. This granted me a total of XXXX BCH, short of what I should of received. Other exchanges did not have highs in the past months over {$5700.00}. 

I have submitted a ticket to Coinbase but have not received any support or call back on this issue.
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. XXXX attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX OF XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$840.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$920.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.