davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Skrill USA, Inc. (AZ)

Ticket # XXXX I attempted to make a large deposit into my Skrill account using my debit card today, which I took the time to verify for higher limits the day before. Skrill then restricted my account asking for selfie photos holding both sides of my ID. I immediately submitted the documents and they were approved about XXXX hours later and my account was back to normal. 

After working out the issue with my bank, I was finally able to successfully add to my Skrill balance using the same card. When I attempted to withdraw the balance to another bank, Skrill restricted my account again. This time, there is no request for specific documentation or any path to resolution. When I called support, representative XXXX was very unhelpful and refused to transfer me to a supervisor. 

I now have over {$4300.00} locked up in my Skrill balance with no assistance from support or clarity on when I will get access to transfer my funds, even though Ive been fully verified since I opened the account AND supplied additional documentation for the SAME transaction amount just this morning. 

Every time I try to use Skrill, I run into some kind of block or issue like this. Just a few days before this, I had to submit another report due to Skrill cutting my deposit limits from {$5000.00} to {$50.00} for no reason. Skrill needs to remove this block from my account IMMEDIATELY and give me access to my funds RIGHT AWAY, as I am a fully verified customer being very patient trying to make this service work over and over again.
Consumer complaint received 2019-07-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: MoneyLion Inc. (CA)

Signed up XX/XX/2019 for MoneyLion after seeing Pave the Wave bonus ( XXXX XXXX XXXX  ). 

Opted into promotion and set up direct deposit during XXXX. Received direct deposits XX/XX/2019 for {$3500.00}, XX/XX/2019 for {$3100.00}, XX/XX/2019 for {$3100.00}, XX/XX/2019 for {$3100.00}. This meets the offer 's qualifying Terms and Conditions " To be eligible to receive matching contributions, participants must be in good standing with MoneyLion and must maintain direct deposits of at least {$500.00} per deposit ( after tax withholding ) ( Minimum Deposit ) into their MoneyLion Checking Accounts at all times after opt-in and through the date of the matching contributions, as described below. '' Timing of Matching Contributions states they are to be awarded 90 days after initial deposit ( XX/XX/2019 ). Called customer service on XX/XX/2019 and again on XX/XX/2019. Latest call informed me that because there were intermediate deposits of small amounts ( {$0.00} and {$0.00} on XX/XX/2019, {$0.00} and {$0.00} on XX/XX/2019 ) I was disqualified.
Consumer complaint received 2019-07-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (GA)

I am following up on case XXXX. While the issue was once resolved, it has now resurfaced. Please read below. 

I refinanced my mortgage through XXXX XXXX. I closed on refinancing on XX/XX/2019. I was directed by XXXX XXXX  to make my monthly payment to XX/XX/XXXXXXXX XXXX, their loan servicer. I made a monthly payment as well as two payments toward the principal. In total, I paid XX/XX/XXXXXXXX XXXX {$3500.00} between XX/XX/XXXX and XX/XX/2019. Of the {$3500.00}, {$1200.00} was interest, {$480.00} was escrow, and the rest went towards my principal balance Sometime in late XX/XX/XXXX, XXXX XXXX  sold my loan to Suntrust. 

On XX/XX/2019, I filed a complaint against SunTrust through CFPB. The case number was XXXX. After several weeks of waiting, the issue was finally resolved in my favor with the {$1200.00} applied as of XX/XX/XXXX and my payment due XX/XX/XXXX applied as of XX/XX/2019. At this point, I thought the issue was resolved. 

On XX/XX/2019, I received three letters in the mail from SunTrust stating that the {$1200.00} of missing payment was transmitted to Suntrust from XXXX XXXX XXXX  ( XX/XX/XXXX ) on XX/XX/2019 and that the order of payments had been adjusted to ensure the proper allocation towards principal and interest. 

On XX/XX/2019, I received an email from SunTrust saying the check for {$1200.00} had bounced. I called the SunTrust Mortgage customer service number and was told a stop payment had been placed on the aforementioned check. As of XX/XX/XXXX, my mortgage principal balance does not reflect the {$1200.00} paid to XXXX  XXXX XXXX in XX/XX/XXXXof 2019. It also does not reflect the {$2200.00} I paid to SunTrust on XX/XX/2019. I spoke with XXXX XXXX in the Mortgage Payment Solution department who said she would ensure the XX/XX/XXXX payment was reapplied in the interim to ensure my account was not in default. 

As of XX/XX/2019, my mortgage balance is misstated as it does not contemplate the {$1200.00} I paid to XXXX in XX/XX/2019. The payment on made on XX/XX/2019 will need to be adjusted to account for the correct amount of principal and interest.
Consumer complaint received 2023-12-22
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I had a 7 month cd of 4.5 % maturing XX/XX/2023. Im a busy person so i wasnt able to interact with it around that date. Come to find out bank of america decided to auto renew that 7 mo cd at an artificially low non market rate of 0.03 % -- an insanely low interest rate and one i believe constitutes fraud. 

I believe the actions of bank of america are fraudulent. I believe they attempted to effectively steal from me. I want cfpb to find out how often this happens, find out how much boa makes from this fraudulent nonmarket rate renewal and fine them 10x the amount of their illgotten gains. Many people are not savvy enough to understand the theft taking place. Regulatory bodies need to look out for them.
Consumer complaint received 2023-12-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

Have a savings account with US Bank. It was just a couple XXXX dollars and it was closed about 5 months ago. 

I was told I would receive a check for the balance of the account but there appears to now be no communication or remittance of the balance. 

The account may remain closed, I am merely looking for the funds to be issued to the address on the account by check ASAP to formally complete this matter.
Consumer complaint received 2023-12-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mutual Management Services LLC (FL)

MUTUAL MANAGEMENT SERVICES is falsely reporting on my credit. I have never had any accounts with them. Per my research MUTUAL MANAGEMENT SERVICES is a debt collector. They are falsely reporting to my credit! 

I AM A VICTIM OF IDENTITY THEFT, I HAVE NEVER STAYED THERE ... I ATTACHED A COPY OF MY FTC REPORT IN THE LAST COMPLAINT AND YOU IGNORED IT! 
I WILL BE CONTACTING THE ATTORNEY GENERAL IF THIS ACCOUNT IS NOT DELETED! 

ACCT # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under 15 U.S. Code 1681d - Disclosure of investigative consumer reports ; you are in violation. I have attached the definition so you can see the violation! ( a ) Disclosure of fact of preparation A person may not procure or cause to be prepared an investigative consumer report on any consumer unless ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested
Consumer complaint received 2023-12-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO Bank, N.A. (TX)

RE : BMO checking account ending in XXXX I opened a checking account with BMO Bank online after receiving a promotional offer. The offer states a {$400.00} bonus for completing direct deposit within XXXX  days. My direct deposit was dividend/interest payment from a US Treasury Govt Bill which is considered a government benefit payment. However, no bonus has been deposited till today 's date. I've contacted BMO customer service regarding the concern and was told the direct deposit doesn't qualify. How does a government benefit not qualify when it states that exactly in BMO 's terms and conditions for the promotion ( attached ). I would like BMO to honor the promotion as stated. I've attached screenshots showing the US Treasury Bill as well as dividend payment received that was sent to my BMO checking account. If this isn't handled appropriately, I will be pursuing this further with the XXXX XXXX XXXX as well as the Consumer Protection Office of the Attorney General to file a grievance with them to investigate further. XXXX XXXX
Consumer complaint received 2023-12-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

The check was approved for deposit, I was advised to destroy the check and monies would be avail XXXX. Then I get an email saying After an in-depth review of the check deposit ( s ) you made on XXXX XXXX, 2023 into your account ending in XXXX, we believe there's an increased risk that the deposit may return based on confidential information that indicates the check may not be paid. To protect you from this potential risk, we've decided to delay the availability of all or part of {$1400.00} until XX/XX/XXXX. Which sounds like the same info. 
Then on XXXX I get an email from the security dept. We're restricting your Capital One 360 account ( s ) until we can verify your recent account activity. 
Based on the results of our review, your account ( s ) may be closed and your balanceplus all interest earnedwill be transferred to your externally linked checking account. If you don't have an externally linked checking account or if the account linked is no longer open, a check will be mailed within 7-10 business days to the address on file. I reply asking whats going on and never get a response.
Consumer complaint received 2023-12-20
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC (NC)

Destiny Mastercard issued by Concora Credit has charged off my credit card. I am aware that a charged off line of credit becomes a certificate of indebtness which means it is income and must be removed. The law says it is illegal to report transaction history, finable at {$1000.00} per violation. Destiny Mastercard/Concora Credit has reported since XX/XX/XXXXXXXX  which not only permits the {$1000.00} per violation but also pain and suffering damages. Furthermore, under the Fair Credit Reporting Act information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority. I also have the right to Opt Out under 16 CFR 313.7 deriving authority from 15 USC 6801. Also, under 16 CFR 433.2 ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. The account with Destiny Mastercard/Concora Credit was an open-ended credit line and the credit application became a security the moment my signature was obtained. Destiny Mastercard/Concora Credit is also in violation of the Securities Exchange Act of 1934 for the sale of my security on the secondary market.
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (MS)

Per the FCRA, I XXXX XXXX as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. Please update account to PAID AS AGREED. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation {$1000.00}, for every violation. 
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ). 
" There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX etc. are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company. 
Privacy Act of 1974 the Privacy Act of 1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies.

15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. 
313.1 Purpose and scope.

( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15. 
433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
Consumer complaint received 2023-12-18
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (IL)

Received a nice American express Gift card from my employer for my XXXX XXXX anniversary. 
They know we like to travel so it was interned to be used for our next vacation. 

I have tried to use it at XXXX when that didn't work I tried to get an XXXX  gift card from them. 
I also tried XXXX, XXXX and it doesn't work. 

I have checked it's activated and I have tried to make purchases less then the available balance. Again the only solution from American express is to try to use it somewhere else instead of where I want to use it.
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-19
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NV)

I opened a Citibank Costco Visa card in XXXX XXXX and have used it for about {$9000.00} in charges, which I pay off in full every month. I get a daily email showing my act. balance. 
I went to use it on XXXX XXXX at Costco to make a {$430.00} purchase and it was declined so I used my XXXX XXXX XXXX to pay and called Citibank when I got home.I talked to 2 people who couldn't answer why until I finally talked to a Level 2 Account Manager by the name of XXXX. She was concerned that I paid off my amount every month and couldn't see any reason it was closed. She thought it was a system error and would get back to me, which she did.She said I had 4 payments on XXXX XXXX and XXXX that didn't go through. I was never notified by email, my account or by text that this happened nor did I get a late or returned payment fee. I use my XXXX checking to make payments and one did go through on XXXX XXXX. She said it was an automatic act. closure and I asked why I was never notified or if a human even reviews it. I asked for an email stating this and she said she couldn't do that. I said I have excellent credit, over XXXX and pay my balance every month and have XXXX in reward dollars. She said she was sorry and my act would be renewed. I got an emailed XX/XX/XXXX saying my act was reopened. I went to use my card at Costco today and it was denied. I called and talked to an Act. Manager named XXXX and he said my account was closed today and I wouldn't get any reward dollars I earned and it was for the same reasons as before. 
This is VERY unfair and I wonder since I pay off my account every month they don't make any money so they ripped me off for {$170.00} and closed it. I have contacted Costco and they are doing an investigation also. 
I have documentation to prove my end of this but it will be hard to attach, I don't know how. I can mail it to you.
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

On XXXX, XX/XX/XXXX, I made a cash deposit of {$1000.00} to Chase Bank. I also cancelled a transfer to XXXX XXXX XXXX from that account as it was no longer needed. To have additional security on my account, I locked both my Chase Credit and Chase Checking account. At XXXX, I called Chase customer service as I noticed that I was charged a service fee of {$12.00} in XXXX and XXXX. I was hoping to get clarity on the situation and hopefully a reversal, unfortunately that was not the case. 
At XXXX, I called a service representative in which I was told they would transfer me to customer service. Upon doing so the customer service representative stated that she noticed that I had an account with Chase Checking which was closed in XX/XX/XXXX. I explained to her that it was a new account and I attempted to transfer funds to an existing account to the Chase account. I also expressed that the account was abruptly closed and I received no insight on the matter then. She then stated she would transfer me to another department to help with the service fee issue but instead, I was hung up on after being on hold for an extended period of time. 
I called another customer service representative at XXXX regarding the issue but I was told that I should call customer service Monday as they are closed. I then tried to access my Online Chase Banking account but to no avail as I was met with this message, We locked your account due to unusual activity. 
Call us to unlock it. If you're a commercial client, reach out to your servicing team. 
Please note that you will not be able to access your account information, documents or statements online or on the mobile app until we unlock your account. I called another customer representative to see what was going on and I was informed that Chase no longer wants to continue a relationship with me and that my funds are to the discretion of the bank teller. As my Chase credit card account is connected to my Chase online banking, I called their customer service number to inquire about what can be done with that account. I was informed once again that I can not be provided with a reason why my Chase checking account was closed and that my funds are at the discretion of the bank teller. When I then asked to close my Chase credit account as I feel there is no security with them, the representative stated I can close it on the phone and then hung up on me again.