davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (CA)

To whom it may concern, I have been fighting PayPal for a week regarding them restricting my funds and not allowing me to transfer my money to my bank account. I have logged over 15 hours on calls and emails, getting hung up on, and ive been given inconsistent messaging as to when I can transfer my money. The reps I spoke to said that it is PayPals security review algorithm and they will not and can not give me a time to release my money. They refuse to give a time frame. Their suggested solution to a problem they have caused was to refund customers and request a different payment method. Im disgusted they would suggest I put my customers through this.

I have endured endless security checks through their two factor authentication, provided every bit of documentation they asked for, unnecessarily changed my password 20 times b
ecause their website kept redirecting me or stating it notices unusual activity.

The unusual activity is that PayPal yet again is holding money hostage and refuses to release my hard earned funds. I was told the problem I reported last week was resolved and was a verified member. And now I cant transfer the {$11000.00} in my account. This is a significant amount we need for our family. 

I have submitted two Complaints to XXXX  as Im tired of having to fight PayPal to release my money. This company clearly has no moral compass as it has no problem collecting fees but makes it impossible for a customer to get their money. 

This is nothing short of them refusing to my MY money, and acting like they are a bank when theyre only a payment processor. They are affecting peoples lives. They refuse to help me, stating they cant help, which means my money could be held indefinitely.

What theyre doing is illegal. I desperately Request PayPal resolves this and distrubutes the balance to my account ending in XXXX. 

My husband and I are also XXXX XXXX military, and it is clear this company has no integrity. Please help me. As paying customers for PayPals service, we deserve to be treated with respect and they need to be held accountable. They are not meeting the obligations of their policies, not disclosing their security checks or alerting customers, and not providing documentation of the security issues or status of account. They are actively withholding information on my money. 

I have attached proof that the items I sold were delivered, as well as proof of the balance and conversations.
Consumer complaint received 2021-07-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (CT)

My account with Coinbase ( coinbase.com ) was hacked and {$2500.00} was withdrawn from my account. Someone hacked into the account, and withdrew transactions from XXXX and checking accounts which were connected to Coinbase. This happened on XX/XX/XXXX and is due to Coinbase 's inadequate safeguards.

I raised a complaint ( Help Ticket ) with Coinbase and they said that they would investigate and get back to me in 4-5 days. Since then I have sent them numerous emails as followups ( they have no phone number to call ) and they will not return any of my emails. I have meanwhile asked XXXX and my bank to help as well.
Consumer complaint received 2021-07-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO. (CA)

I leased the car for 3 years from XXXX to XXXX. I didn't put many miles on it and I purchased the car with an auto loan from Chase ( my bank ). Chase paid XXXX XXXX on XX/XX/XXXX for residual value XXXX + tax total XXXX XXXX 
Some times last year XXXX in summer I paid off the loan. ( for some reason it disappeared from my online banking after I started to call on almost weekly bases Chase Auto Finance Title ). They sent me 2 letters with the lien satisfied but it is not enough to get a title from DMV. They need the Bill of Sale, and the Federal Odometer Disclosure plus an additional XXXX $ in taxes which in their data base is missing because Chase didn't report the sale I guess. 
Anyways, I called XXXX finance and they said the Title was sent to Chase Auto Finance on XX/XX/XXXX. A CSR from Chase confirms that the Title has been received by Chase in XX/XX/XXXX. They also opened a ticket with my case XXXX and since than I keep on calling they say in 2 days a manager will call me and nothing. The completion date of the ticket supposed to be XX/XX/XXXX but until today XX/XX/XXXX Chase didn't do anything. All they need to do is to send the title to me and also all the documentation regarding the sales tax and the odometer disclosure. I'm not sure what is the legal way to deal with this issue anymore. Please help. I'll attach the documents I have in hand for you to review them.
Consumer complaint received 2021-07-17
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Comerica (LA)

I call direct express at the I Customer service on XX/XX/XXXX between XXXX or XXXX XXXX  to block XXXX again. The customer service said she would look at it. She said she couldn't do a block on XXXX. I said XXXX was block before with no problems. While we were talking she was blocking my card and sending me another card without letting me know. I call to talk with two supervisor and they said that social security would have to send my info to them. At this bank has a rule to send a code before talking to me. This lady even send a code to my cell phone or to my email. This was all done without my knowledge. This happen to me before. The frost time it 10 times to get the right person to look in the matter. The second time I call 6 times and no problem solve. I can't do no more than I can because of health. This people told me not to yell I said if it was your money, wouldn't you be upset. The two supervisor I talk to were XXXX and XXXX. This is a very bad bank when a customer service do things without telling me. I want something done on this matter. I am a XXXX old lady living in XXXX trying to survive and keep safe. No I don't drink never don't drugs, don't smoke or gamble. I am a true XXXX lady live in XXXX for 9 years until I ask for help. Now I after deal with this kind bank that let their worker take what money I. Really this bad.
Consumer complaint received 2023-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The account " XXXX '' XXXX is a fraudulent account so I disputed it with the bureaus Transunion and XXXX multiple times. 

These bureaus claim they have verified the information is accurate, however one can see by looking at the reports this is not true as the " date opened '' information is conflicting. 

The " high balance '' is also conflicting The " date of last activity '' is also conflicting, so there is no way possible both bureaus verified the information as accurate. 

See a recent copy of my credit report reflecting these inaccuracies attached. 

To add insult to injury, I have submitted a copy of my identity theft report ( attached ) to these bureaus twice and they still report the erroneous fraudulent information.
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U S C 1681 Section 602 A States I have right to privacy.

15 U S C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U S C 1681c ( a ) ( 5 ) Section States no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information other than records of convictions of crimes which antedates the report by more than 7 years.
Consumer complaint received 2023-04-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. Transunion must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report. 

XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX  Balance XXXX {$81.00}
Consumer complaint received 2022-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In Accordance with the Fair Credit Reporting act XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2021-07-17
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: GOLDMAN SACHS BANK USA (AK)

XX/XX/2020 I ordered a wireless adapter from XXXX The vendor for the adapter was shady about shipping notifications and I have a huge email chain with them trying to cancel my order or locate the device they claim to have shipped to me. I never received the device I ordered. After several months of trying to work with the vendor I opened a dispute with Goldman Sachs for my Apple Card which I used to make the purchase. 

I have opened multiple disputes with GS citing never receiving my item and the company claiming I DID receive it. I did not. 

The last dispute that I can find record of was on XX/XX/2020. This dispute was also denied. I have disputed multiple times and gotten nowhere with GS. 

The vendors name on my transaction history is XXXX  My transaction : XXXX XXXX XX/XX/2020 2020
Consumer complaint received 2022-04-19
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: I.C. System, Inc. (NC)

I received a call from IC SYSTEMS and they asked for my social security number.I asked who I was talking to before I gave that information and they got load told me they would take me to court and garnish my wages and get a judgement.they would not give any other information untill I gave my social security number and I refused untill I knew who I was talking to.very rude.the number they called from was XXXX called back and again they were load and rude and hung up on me.I have no idea what they are calling about because I wouldnt give my social security number.
Consumer complaint received 2021-07-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (FL)

I filed a fraud claim on XX/XX/XXXX. On XX/XX/XXXX, I had forgotten and left my phone at a restaurant. Once I realized the phone was missing, I returned to the restaurant. Spoke with the manager, who advised no cell phone had been turned in that day. Therefor, my phone was stolen at the restaurant. I called the police, who said they would file a report, but without any suspect information, it could not be further investigated. Eventually, I was able to use my iPad at home and use the Find my iPhone feature to locate my phones location. So I showed up at the home where my phone was located and was able to get my phone back. The problem was, I had no passcodes on my phone and no FaceID enabled for personal reasons. This gave the thief access to all my stored passwords and the ability to add their biometric data like FaceID, which they used to get into my bank account and send a {$500.00} unauthorized XXXX transaction. When I discovered the unauthorized transaction, I filed the claim. I was told my claim is not covered under the Zero Liability Policy as Wells Fargo concluded this transaction was authorized. That is NOT the case. On XXXX, I sent a fax with an explanation of what happened in further detail along with my police report from XX/XX/XXXX. Wells Fargo sent a letter back to me stating they are continuing to deny my claim. I called their claims center as I wanted reasoning to why my claim was still denied. The Wells Fargo representative, XXXX, advised there was nothing that could be done and hung up on me when I requested a manager. I called back and spoke with a manager, XXXX, who stated the claim is still denied due to biometric data being used to log into my Wells Fargo app. This was explained in my original claim and in my fax : the thief added their biometric data into my phone. The manager then proceeded to victim blame me and say I was at fault for not having passcodes on my phone and that there was nothing he could do to get my money back. I have submitted a full explanation of the incident that explains every reason they gave me to deny my claim, as well as a police report from the incident. This is more than enough documentation to approve my claim and yet Wells Fargo refuses.
Consumer complaint received 2021-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CT)

Good morning, I am reaching out to the CFPB due to an issue I am having with Chase Bank. Back on XX/XX/2021 I applied and was approved for a Amazon Prime Rewards Visa Signature Card. Since that time I have used the card as a normally would and made a my first statements payment in a timely manner for more than the minimum amount requested. A day after making my payment I received a letter from Chase Bank stating that they will be closing my account involuntarily due to Reputational Risk to the company. In the letter it does not explain what I have done to have them come to this conclusion nor does it explain what exactly they are referring to when they say Reputational Risk. Ive had other credit cards in the past and have worked with different financial institutions, not once have I ever had issues with them such as this. I reached out to chase requesting an explanation as to how they came to this conclusion and if I could receive a copy of the review they state they conducted on my account. I spoke with their live rep over the phone who informed me that they are unable to provide me information and that I would have to reach out to Chase Bank via the secure messaging center they have built in their client login on their website. Upon doing so, I received a response 24 hours later stating that they can not provide me an answer until 10-14 days from now. That response was sent yesterday and I replied stating, that due to the pending cancellation of the account on XX/XX/2021, I can not afford to delay communications or actions to prevent the account from being closed. I explained the window to prevent cancellation gets smaller every day, they replied back this morning stating they can not provide me further information until 10-14 days from now. As a consumer, Chase Bank appears to be stalling for time and waiting for the account to close without being able to provide an adequate answer. What I fear is that if the account is closed they will tell me there is nothing they can do to reopen it, which is why I want take action now while its still open and there is still time. If this account closes it will affect my credit report showing a closed credit card, and lower my overall available credit across all my accounts. Thank you, I hope to hear back.
Consumer complaint received 2021-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

I attempted to sign up for online access to credit information with the credit bureau Equifax. Even though I entered all information correctly, Equifax denied access and stated that " for verification, I would need a verification code by mail '' to access my information. I requested and received this code on XX/XX/2021, then entered it online and successfully set up an online username and password. I received confirmation about the successful set up of the online account. However, due to some technical issue or Equifax 's extreme incompetence - or both - when I enter the information, I get a screen that states " Please try again later ''. This has been going on consistently for over two months. Equifax stated that if any issues occur, I can contact their customer service at XXXX. I sent three e-mails without response. Finally, on XX/XX/2021 I sent a paper letter to Equifax by mail, demanding a solution. This was also not answered. End result - I have a valid username and password but no access and no explanation or help of any kind.
Consumer complaint received 2021-07-10
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. (CA)

Per tracking, its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC XXXX XXXX  reporting a higher balance and the credit limit is $ XXXX but reports I owe $ XXXX I dont know this company. I dont owe these companies
Consumer complaint received 2022-04-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TN)

On XX/XX/XXXX I tried to transfer {$220.00} from my Venmo account to my bank account. Venmo used a secondary card for that transaction instead of my primary card that I use daily. The transfer is lost in the cloud somewhere. First I was told wait 3-5 days to see if it fixes itself. Acceptable. Only it didn't. When I called back, I was hung up on. I called again and was refunded the fee but told nothing could be done about the bulk of the money or the transfer. I emailed support and was told to wait another 8-10 days for another email with further instructions. At this point I'm assuming my money is just gone. A financial institution with no answers or resolutions. Scary. A class action lawsuit is sounding like the solution after reviewing their XXXX and the comments from 100 's of other customers experiencing the same thing.
Consumer complaint received 2022-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX  XXXX, has violated my rights. 
XXXX XXXX  XXXX, has violated my rights XXXX XXXX XXXX, has violated my rights XXXX XXXX, has violated my rights XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights XXXX  XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (NJ)

What does it take to send a wire with Chase? 

- five tries, four of which were rejected with no reason given or anyone connecting to try to clear the issue - Two hours across 6 phone calls to customer service, fraud detection,... 
- Two dropped calls while being transferred from onXXXX group to another - Being told threXXXX times by customer service, after extensive verification, that a wire would proceed ... only to have it rejected- a secure message through the system to complain about the issue, only to receive an acknowledgement 24 hrs later that the message would get prompt attention. Three days later, I am still waiting - After executive escalation, a call from a very polite young man who essentially then did nothing .... lots of style, no substance Chase needs to fix its customer service. Some specific suggestions - If there is a problem, call, text or email to resolve ... dont just reject. I appreciate its to Chases benefit to hold onto my money but it is poor customer service- If someone in customer service tells you a problem is fixed, then the systems should be such that it is fixed - There needs to be a real time connection between customer service and the back office so that customer service can fix an issue on the spot, not leave a note on the file which the back office then ignores - Make sure your executive escalation people actually have the power to fix things... not just politely tell you how sorry they are then nothing happens