davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (IL)

1. We opened a mortgage in XXXX. 

2. Between then and XXXX, we made escrow payments totaling {$4600.00}. 

3. We asked Ditech to close the escrow account in XXXX. 

4. They closed the account in XXXX and refunded us {$1500.00}. This means they still owe us {$3000.00}. 


5. On XXXX XXXX, we sent the following letter : Hi, Thank you for closing out my escrow account. 

In reviewing the documents associated with my escrow account close-out, I believe that you refunded me too little money. You refunded me {$1500.00}. My calculations in the attached spreadsheet show that I contributed {$4600.00} to this account. Please promptly refund me the difference of {$3000.00}. 

Thanks, XXXX 6. They wrote back a letter which I have attached below. The letter says " Enclosed, for your records and review, is a copy of the HUD-1 Settlement Statement.  Please be aware that this statement does not reflect taxes being paid during the origination of this loan. '' 7. Ditech 's second sentence is factually incorrect. The first line on Page 4 of 4 in the HUD settlement shows that we paid {$6800.00} for " 2016 2ND INSTALLMENT TAXES XXXX to XXXX XXXX FOR 2016 TAXES '' at the closing. XXXX XXXX XXXX XXXX XXXX paid our property taxes and refunded us XXXX on XXXX XXXX. This refund posted to our account on XXXX XXXX, see attached. )
Consumer complaint received 2018-01-11
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. (TX)

My name is XXXX XXXX last 4 of my SSN are XXXX date of birth XX/XX/XXXX. I have no idea what these judgments are and have requested verification and validation of debt, but still have not got a response nor have been provided proof of this. Please consider this a direct dispute and the information being reported is wholly inaccurate. XXXX needs to get proof this is my judgment or remove from my credit
Consumer complaint received 2018-01-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (AK)

I wired {$3000.00} usd on XX/XX/XXXXto my gdax account. Everything I read on coinbase.com and gdax.com said that wire transfers were credited same day. There was no indication there would be a delay in processing at this time. This was misleading. I do n't remember exactly when but a few days after my wire XXXX says there may be delays in wire processing ( even now XX/XX/XXXX Coinbase.com says they have cleared the back log although they clearly have not ) XX/XX/XXXX Case # XXXX I submit a request to support, I receive a generic computer generated response. This is acceptable for the first 3 days in my opinion. Its been 3 weeks almost to the day, my money has not been credited to my gdax.com account and I have not received any other responses. I am extremely upset about not receiving a response from a real person who could lend some information and help me. This is unacceptable from any business, especially a money transmitter. 

Summary NO Customer Care at all You are rolling the dice with coinbase/gdax hoping that everything goes right I would not recommend this XXXX XXXX or exchange to anyone right now ( browse the XXXX /coinbase, I am far from the only person with this experience )
Consumer complaint received 2018-01-11
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. (OH)

I Called XXXX XXXX today X/XX/2017 in regards to an account balance showing my my credit reports, there was no account listed in their system for me. The reporting address for the alleged debt is XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-01-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (CA)

Unauthorized Charges made to my account : DATE NAME PHONE # XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX CA {$68.00} XXXX/XXXX/XXXX XXXX XXXX DE {$41.00} XXXX XXXX/XXXX/XXXX XXXX  XXXX CA {$68.00} XXXX XXXX/XXXX/XXXX XXXX XXXX WY {$41.00} XXXX XXXX/XXXX/XXXX BCELBCUSTLN XXXX CA {$68.00} XXXX XXXX/XXXX/XXXX XXXX XXXX CA {$68.00} XXXX XXXX/XXXX/XXXX XXXX XXXX AK {$41.00} RECEIVED CHECK FROM CITI BANK XXXX/XXXX/XXXX {$170.00} FOR AN UNAUTHORIZED CHARGES MADE TO OUR MY ACCOUNT. 
XXXX XXXX/XXXX/XXXX XXXX XXXX CA {$89.00} XXXX XXXX/XXXX/XXXX XXXX XXXX CA {$44.00} XXXX XXXX/XXXX/XXXX XXXX XXXX FL {$86.00} XXXX XXXX/XXXX/XXXX XXXX XXXXXXXX {$79.00} CONTACT WITH ONE STATED THAT THE UNAUTHORIZED CHARGES COULD NOT BE REMOVED BUT THEY COULD BE CANCELLED? NO CALL WAS MADE TO AUTHORIZE THESE CHARGES, THEY JUST APPEAR ON OUR STATEMENT. 
WE ARE AT A LOST TO REMEDY THESE CHARGES BEING MADE TO MY CREDIT CARD ACCOUNT.
Consumer complaint received 2018-01-11
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (TX)

Had a {$500.00} credit limit on my Walmart Credit Card ( store card ) paid at least the minimum each month for over a year. Paid off the card last month ( along with 3 others ) to a XXXX balance. Working on paying down all my debt to improve my debt to credit ratio. When I paid off the card they lowered my credit limit to {$100.00} dollars. Thereby hurting me in the debt to credit ratio. My spouse also has a Walmart card that has a {$1000.00} limit. We were going to pay that off this month but am afraid they will do the same thing to that card. Hurting us in the debt to credit ratio ( again ) We DID NOT ask for a credit increase. They just took it upon themselves to check my credit ( yet hurting me again ) and made the decision based on my lack of knowledge. 

I would understand cutting my limit if I had a history of late or missing payments but I do n't. I am a faithful Walmart shopper who easily spends over {$1500.00} a month ( XXXX yearly ) not to mention all the money I spend at XXXX 's every month. They purposely waited till it was paid off and they had their money to do this! They could have done this with the balance on there and sent us a letter stating that they are reducing the credit limit to {$100.00} dollars and suspending the account until it is below the limit. Then they could have given us a 6 month grandfather period to bring it under the limit before charging over-limit fees. But no, they wo n't do that because they know the chances of the customer paying it off drops to XXXX! Instead, we wait till the good customers that are responsible pay off their card and do it to them!
Consumer complaint received 2018-01-11
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. (FL)

I show XXXX inquires on my equifax report that should not be and was not performed by me, I have requested by certified letter XX/XX/XXXX with copy of companies that they do not belong to me, they have refused to remove off report. 
XXXX- XX/XX/XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX
Consumer complaint received 2018-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (MO)

After seven years of providing full-time care for my mom, she was placed in a XXXX  XXXX under fraudulent guardianship that court and medical records documentation provide conclusive evidence of benefit exploitation by the XXXX  XXXX as well as other parties involved. The XXXX XXXX negligence and subsequent greed resulted in my mom being XXXX that cost her XXXX in XX/XX/XXXX. 

As I hadnt worked since XX/XX/XXXX to provide full-time care to my mom, I wasnt able to work even part-time due to health concerns that resulted from very sporadic symptoms of XXXX that were not detected early on. 

What Id earned from when I was employed went toward expenses that my mom and I had split evenly. 

The incidents surrounding the guardianship were such that I was emotionally shaken as I did not know that guardianship fraud even existed until after it happened. I was literally traumatized without recognizing it at the time as a local hospital suddenly took my mom into their custody without my knowledge or consent ( POA was superseded by them ) and without explanation as to why or proper cause. Her medical records who two false diagnoses, one that was used to get her into hospital custody, the other to keep her there... her recent medical tests prove both diagnoses as false. 

I contacted Citi Cards shortly after my mom was placed in the XXXX XXXX to let them know that I was not able to make my designated payments and why. 

They offered to close my account and lower my payments to {$76.00} per month that I was able to pay without issue at the time as I was receiving regular financial assistance by my moms brother who I didnt realize until decades later finagled my grandfather/their father into literally handing over the majority of his estate to my uncle, resulting in my mom getting the least of the XXXX children ( her other brother got an entire bank account and sent her an undisclosed percentage of savings bonds from that account seven years after my grandfathers XXXX ). 

When my uncle, without explanation decreased the payments via savings bonds from bi-monthly to tri-monthly, I was only receiving $ XXXX/mo. and still reporting detailed accounts of the guardianship to both state and federal factions pertinent to it.

When I called Citi Cards and explained that my financial hardship difficulties, without telling me they put my account into collections status, first raising the payments to $ XXXX/mo. then more recently to $ XXXX/mo. without my knowing that the account had been put into collections and ruining my previously clean credit rating.
Consumer complaint received 2017-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (WV)

On XX/XX/XXXX I paid my Chase credit card bull in full. On XX/XX/XXXX an interest charge of {$52.00} was added to my XXXX balance account. I 've contacted Chase and they claim it is an interest charge on the balance due. My card was paid in full and I had a XXXX balance.
Consumer complaint received 2018-01-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Perfection Collection (LA)

I do not recognize this account, and have submitted over and over for proof that I indeed consented to this account. Not once, has anyone taken into consideration what I am saying and have verified indeed that this is wrongfully reported onto my consumer report. I would like to be provided proof I consented to this account via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no irrefutable evidence, proof that I in fact was the one seeking to obtain a line of credit and the creditor had a permissible purpose to in fact and legally obtain my credit file information after a positive identity verification, immediately of any or one, I would like it removed immediately.
Consumer complaint received 2018-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

Again zero proof that I ever gave XXXX XXXX authorization to pull my credit. All they keep coming back with is canned generalized statements like " Our prior responses thoroughly and accurately addressed your concerns relating to our credit inquire. '' Really? Over and over I 've requested proof of consent into pulling my credit inquire, but to date XXXX XXXX  has been unable to provide any consent from me and therefore is in violation of my rights as a consumer. If XXXX  does not provide the necessary proof of my credit inquire authorization and refuses to remove the hard inquire from my credit reports then i will escalate this matter to my states DA 's consumer complaint dept. 
FYI - Ripoff Report Submitted : Thu, XXXX XXXX, 2014 Updated : Thu, XXXX XXXX, 2014 Reported By : XXXX New York " XXXX XXXX joins a long list of double-tongued lending shysters who say one thing and do another. 

A prime example is when they intentionally ding a prospective customer 's FICO score with a HARD INQUIRY, even when they are asked NOT to do so in advance. 

The truth be told, they hide behind a so-called legal right to shake down anyone in whom they choose, just because the potential customer asked what the ballpark parameters for pre-qualifying would be. ''
Consumer complaint received 2018-01-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (VA)

Several months ago, I called Navient to update the bank account on file for my automatic payments. I 'm in a program, where I pay a lower amount with automatic withdrawals. I also changed the payment date for that month. The rep that I spoke with did not update the bank account on file. Once I realized what happend, I was over a month behind or more. When I called Navient, the only help I was offered to stay in the payment program is to set up new payment dates, update the bank account on file. Which I did. I was told, that I can do a forbearance once the program expires in several months on the past due balance. I was also told the collection calls to me and my co-signer ( My Mom ) would stop. Several weeks to a month later, Navient began calling my Mom at work several times a day, making false statements that my payments are not going through, they are declined due to a wrong credit card number ( I do n't pay with credit cards ). They are demanding that she makes my student loan payment. 

I called Navient back. The rep I spoke with was very rude. She advised, that she will not stop the phone calls to me, or my Mother at work. I explained that I am in a repayment program, with future payments scheduled. She said, she will not stop the calls to Mom at work ( that 's a violation of the fair debt collection act ). My Mom, keeps getting phone calls each day, despite me having payments set up. Navient is also discussing other loans, without her name on the loans with my Mom, discussing my overall balance, amount owed and etc. Also, after 3-4 years of making payments, my balance has n't even went down on my loans, it has instead increased.
Consumer complaint received 2022-10-04
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. (FL)

TO WHOM IT MAY CONCERNED THESE LENDERS PULLED MY CREDIT WITHOUT MY CONSENT OR PRIOR AUTHORIZATION. I CALLED THE THREE CREDIT AGENCIES AND COMPLAINED ABOUT THE ERRORS ON MY CREDIT REPORT AND DEMANDED TO HAVE THEM REMOVED. THEY IGNORED MY CALLS AND DID NOT REMOVE THE UNAUTHORIZED INQUIRIES. 
THE FOLLOWING ARE THE UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022.
Consumer complaint received 2018-01-10
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)

I am cosigner for a checking account for my nephew who is a college student. 
His account went into negative on XX/XX/XXXX. 
From then until XX/XX/XXXX, PNC has charged the account 25 times with {$36.00} penalties, plus several overdraft fees of {$7.00} each. 
There are several ACH XXXX XXXX Payments & reversal in between. All the penalties are associated with these XXXX payments/reversals. Throughout this period the account is negative as there are no deposits until they withdrew money from my personal checking account for {$1200.00} which is linked I believe to my nephew/my cosign account. 

What concerned me PNC is involved in fradulent activity in dealing with my nephew ( college student ) account. Why it waited 3 weeks before with drawing money from my account, when they could do it 3 weeks earlier. In the mean time they applied penalties of {$950.00} to this college student account. I am concerned that if I had higher balance in my personal account, PNC would have continued their fradulent penalty activity several more days/weeks. Fortunately my balance in my personal account at that debit time was {$1200.00}. 

I have brought this to PNC 's attention overphone and inperson, as well as speaking with their consumer complaints department. All their answers are basically putting the blame on the customer. I understand the customer is responsible, but PNC used it as an excuse to continue charging the college student many continuous penalties ( 25 times in two weeks! ). Also concerned is the other party XXXX business practice in this case. All the transaction involve in this case XXXX payments. If there are rejection of payments on a regular basis, how XXXX is able to submit many of these transactions for several more weeks daily. 

Looks like PNC is trying to make money on innocent, vulnerable college kids through fradulent business practices. Looks like they have started this practice in XX/XX/XXXX. Earlier, I did n't see this activity. Something changed at PNC. 

Hope some one at federal government addresses this fradulent activity from PNC.
Consumer complaint received 2019-10-21
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)

I am so angry and frustrated with Equifax and the different credit card companies. They have been working on my investigation for over a month, with no resolution. I have sent my police report and my FTC report that I filed along with my identification and they are not removing these accounts from my credit profile. They do not have any evidence against me, and are continuing to report these accounts. I have spent so much time so much energy, and I am so stressed from this situation. They are not helping whatsoever, and I am getting anxiety from talking to so many different customer service reps, who one promises to remove the accounts, to another one who says we never received the report, to another one who said they did receive my reports. They were all done and uploaded online and have record. Please help in resolving this matter, I need these accounts to be removed from my credit report immediately. I am not able to rent any other house, or buy car. Please help.

The companies I am reporting are 1. EQUIFAX 2. XXXX XXXX ( 6 different accounts in which 2 accounts have been removed 4 accounts are still reporting ) 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX Please help in resolving this matter, I have reported my identity theft from way back in XX/XX/XXXX. These companies have not been removed from my credit report, they are giving me very bad customer service, and Equifax is by far the worst credit bureau to deal with.
Consumer complaint received 2022-02-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Alorica Inc. (VA)

My first loan with XXXX XXXX XXXX was in 2008 out of XXXX XXXX XXXXXXXX XXXX, Wa. The establishment forced me to record my bank account information incase the allotment ( funds taken directly from my check ) ever failed. I am understanding that if XXXX XXXX loans did the same thing and had to pay, why shouldn't XXXX XXXX XXXX have too. Also, XXXX sold all of our loans to XXXX. What is next in the process.
Consumer complaint received 2017-09-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (FL)

To whom it may concern, On XXXX XXXX, I sent XXXX XXXX ( {$1400.00} ) from coinbase to another company called XXXX. Due to the fee added, coinbase took XXXX XXXX ( {$1400.00} ) from my account. According to coinbase, the transaction was completed but the bitcoin was never received by the other company. I contacted coinbase support on XXXX XXXX and XXXX additional times on XXXX XXXX and XXXX. Coinbase has never responded to my inquiry. Please find attached a screenshot of the XXXX address from XXXX and Coinbase. I would like to know why the vendor ( XXXX ) never received my bitcoin and what actually happened to my money ( {$1400.00} ) which was taken from my account. Please help me as it is a lot of money to lose. 

Thank you!
Consumer complaint received 2018-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

On XX/XX/XXXX I mailed a certified letter to the credit bureau disputing errors and unknown accounts that appeared on my credit file. I have waited well over 30 days for my results as informed by The Federal Reporting Act., However i never received any results or validation of these accounts. At the moment the credit bureau is in violation of the law section 601 ( a ).
Consumer complaint received 2018-01-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. (FL)

I sent a bank wire on XXXX XXXX in the amount of {$22000.00} to Coinbase. After several days I contacted them through their website ( recommended by Coinbase for complaints ) I have yet to receive my money credited to my account nor have the sent my funds back to me. It is now XXXX XXXX. 

My bank XXXX XXXX bank contacted their bank, XXXX XXXX Bank and their wire dept. and their wire/operations dept. confirmed that the {$22000.00} was posted to their ( Coinbase ) account on XXXX XXXX. That being said, wheres my money? 

As of XXXX XXXX my bank issued a wire reversal and reached out to Coinbase two different times with no response.
Consumer complaint received 2018-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

i recieved a notice from XXXX dated XXXX/XXXX/XXXX, on XXXX/XXXX/XXXX, thanking me for opening a credit card with XXXX, in the name of XXXXXXXXXXXX. I did not open a credit card with XXXX through XXXX XXXX XXXX. I notified XXXX on XXXX/XXXX/XXXX that this was fraud. I filed a police report on XXXX/XXXX/XXXX with the XXXX XXXX Police Department. On XXXX/XXXX/XXXX, I recieed a letter from XXXX about the fraud report. I filled it out and returned to them. On XXXX/XXXX/XXXX. I recieved a bill from XXXX XXXX XXXXr where someone rented a card in my name. I notified them that this was not me. I filled out an affidavit and had it notarized and returned to them with a copy of the police report. XXXX XXXX XXXX called me on XXXX/XXXX/XXXX, concerning damage to this same vehicle. I sent them a copy of police report and affidavit. I also sent a letter to Equifax, stating this was fraud and to remove from my credit report. They have not did this.