davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

** Filing this complaint on behalf of XXXX XXXX XXXX who is the account holder and for which I am an authorized signer on the account ** I am filing a consumer complaint against BANK OF AMERICA XXXX, located in XXXX XXXX XXXX XXXX, XXXX, NC ( XXXX ) For further reference : The claim original number is XXXX and I also submitted a claim of my own, asking for reconsideration of the case- Number XXXX I was debited USD XXXX and USD XXXX respectively on my business account and informed me it was " XXXX XXXX XXXX XXXX " XXXX a customer I sold consulting services to, on the following dates, paid via BofA internal transfer to my company account - XXXX XXXX XXXXXXXX The invoices were XXXX XXXX : XX/XX/2021, Invoice No. XXXX, amount USD XXXX XX/XX/2021, XXXX XXXX. XXXX, amount USD XXXX Both invoice payments were made the same day in the account via BofA internal transfer from the buyer 's account ( his name shows up in the statement ) 10 days later, on XX/XX/2021, two debits show up on my account for the same amounts so I called the bank to get further information. When calling the online fraud investigation hotline ( XXXX ) I was informed that the customer ( XXXX XXXX XXXX XXXX ) had claimed the transactions as fraudulent on XX/XX/2021. 

It is very implausible for such transactions to be fraudulent, since before being authorized, they have to go through Two-Factor authentication with the account holder 's registered cellphone, calling the bank for manual phone authorization to release the transfer, email alerts and/or other things as his username and password being compromised, which sounds very implausible without any cooperation from the claimant/account holder. 

In short, I suspect a chargeback fraud scheme was enacted upon me by the customer/account holder and the bank helped the perpetrator by authorizing an illegitimate chargeback. 

Furthermore, I wasn't provided any kind of details on what factors did they take into account when making the decision to debit my account ( chargeback ) and, most importantly, the debits were never put on temporary hold before making them definite, which did not allow me any time to defend myself/state my case with the Bank. 

Look forward to solving this matter by reinstating the money ( {$6500.00} ) back into my account in the name of XXXX XXXX XXXX, regards
Consumer complaint received 2021-10-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: DISCOVER BANK (CT)

On XX/XX/XXXX I deposited my unemployment back pay check into my bank account. It was immediately placed on an extended hold because of the amount which which was understandable, and the XXXX the check was to be made available. Im attempting to fulfill my financial obligations and request a wire transfer, this is completed and I go about my business with no issues. I call in to verify the wire because for some reason when it comes to wires XXXX  seems to lose verification information and to clarify this means when Im supposed to give my additional information to verify my transfer Ill have multiple calls from reps asking me to verify my documents as if Ive never sent them to begin with. Im making several calls to discover to not only alert them that Im making payments but I also had a lengthy call about increase my spending limit. This is all COMPLETED, and I proceed to send money when I receive a text while on the phone with discover that my account is being frozen for fraud and suspicious behavior. I call immediately and am told the wire and everything else would be locked because my received word that the check was in bad face from the company that sent the check. Makes absolutely no sense and I find myself no funds, no access to funds and a family that is lacking groceries and other necessities because of a severe lack of communication. I upload on the XXXX my drivers license, the teller check receipt. Im told in 2 days Ill receive a word back, every call since has been different information regarding expected times and expectations. Im told the only way they can verify is if they speak to the bank that wrote the check. Hold times are egregiously long, but they cant spend enough time on the phone waiting. My money and my life are on pause because my bank doesnt have the time to spend waiting on extended hold times? Is there some unspoken time limit to assist and why do I find myself begging and pleading for help and anyone to assist. Im polite when Im on the phone, Im understanding, Im Cooperative and I understand that there are security measures but when I have so much at stake is waiting 20 minutes on the phone to much to ask? I have initiated every call from the XXXX to current day and when you hear the automated voice from the banksay theres extended wait times and I have to be on the phone as well to confirm information and Im waiting on the phone as well, is 20 minutes of someone, anyones time to much?
Consumer complaint received 2022-07-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (FL)

Greetings, my name is XXXX XXXX XXXX XXXX, I have a problem with my coinbase account, on XX/XX/XXXX someone hacked into my account, sold all my cryptocurrency and withdraw that money, after many conversations with the identity department, cripto and funds department ( coinbase ) i havent been able to locate the money, on XX/XX/XXXX they told me ( over the phone ) that it was sent to a debit card ending in XXXX, several transactions, under my name and with my billing address, which card is not mine, coinbase is not providing me with any tool or efficient help to solve this case, they are telling me that for security reasons they can not give me any extra information about the instrument to which the hacker sent the money, calling that person hacker because without my credentials logged into my account, which is not logical because every time i log in coinbase sends me a text message and the same to sell and withdraw money as a two step verification process, which never hapenned, all in all, what i want is coinbase to be responsible for these acts against my interest in their platform, i feel completely unsupported by them because they are not providing me with any useful information, not even in my account statement, in this one they just show that this person sold the criptos but nothing more, during the call of the 21st with them they told me that on XX/XX/XXXX the debit card mentioned before was added and removed within minutes. The amount substracted in XXXX dollars was around XXXX XXXX ( it was all in cryptocurrencies ). Case number provided by XXXX email associated to this account : XXXX After talking for several hours with their departments they told me that their legal team was going to reach out to me because they were able to see that i have a case, their legal team sent me an email, XX/XX/XXXX, saying that they hope that i had all the help that i needed and that they were closing my case, which help should come from them, i really feel that they are mocking of me and can not understand how such a renown company can treat their clients in this way. I request for your help, This are my savings. 
Here i attach my coinbase account statement and their last email, which has a different case number that the one they gave me over the phone ( the one i wrote on above paragraph ) Thank you for your support, i look forward for you answer.
Consumer complaint received 2021-10-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Pressler & Pressler, LLP (NJ)

I have a bankruptcy that was discharged in XXXX. I purchased a house after the bankruptcy. When I tried to refinance my home I found out that XXXX XXXX with Pressler & Pressler put a lien ( XXXX ) on my home for a debt for a XXXX XXXX  XXXX  dated XX/XX/XXXX. This debt was included in my bankruptcy. 

In the letter, I gave them this information and request for them to remove the lien. 

I sent the same notice 4 times on the following dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-01-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

BoA makes it VERY difficult to make a reg E claim. Criminal!! Im a bank expert and know it shouldnt be this hard. 
They sent me an email, likely fraudulent transaction. It was. So go to mobile banking, low tran business acct. Clearly fraud. 
Tried to dispute via mobile. 
Had to go to internet banking. 
Enter last 6 DC - done Enter TIN - done Then 6 digit code via text - done Then new passcode - done And repeat. And repeat. Stuck in a loop. 
Had to call. Extended hold time. Turns out internet banking uses debit card and since debit card has a hold, you can not dispute on internet banking. 
Frustratingly on hold, message keeps saying you could dispute on mobile or internet banking. Infuriating. 
After 32 minutes hold- spend 15 minutes on a call to dispute an obviously fraudulent set of transactions ; a process that should be done via text or in mobile banking in a minute. 
Seems to me that BofA makes it confusing and difficult on purpose.
Consumer complaint received 2021-09-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BROKER SOLUTIONS, INC. (CA)

I applied for a mortgage with new American funding. 

I was given a quote for the mortgage based on my down payment and purchase price. When the appraisal for the home came in lower than the purchase price new American said it would cost me an additional XXXX in cost. 

I expressed that it did not make sense for me to pay that cost since I did not want to be in this loan for the long term. Verbally I was given cost based off the new Loan to value. 

I agreed that instead of paying almost XXXX in cost for a 2.75 rate that I would take a 3 rate and have no cost. I emailed them that I did not receive updated disclosures. They timing was tight as we were already closing 7 days late from this hold up and the seller was wanting to back out. They never provided updated disclosures and snuck the fee in anyways at closing. 

I emailed for them to correct it or make it right with me. The agent I worked with acknowledge that isnt what we discussed verbally but she isnt the one that prepares the paperwork and since its signed she couldnt do anything. She escalated to her managers. Ive followed up servers times and theres been no resolution or response from management. 

I feel new American prolong my process and backed me into a corner. I had to sign or I wouldnt have a place for my family and I to go.
Consumer complaint received 2024-10-27
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC (OH)

On the XXXXXXXX XXXX I believe I received a call from a number I didn't know I called it to see who it is and what it's about and the lady was rude and was telling me they are charging me with fraud and I have to pay XXXX because they are tracking me down. I asked her if she can can provide me with proof because I don't know what going on because she wouldn't tell me where she was from all she mentioned was speedy Cash and they are from somewhere in Georgia I believe she said. She's looking for me well I was trying to explain about my health problems and I'm going thought a big money hardship but she didn't care. All I was asking for was some kind of proof it is mine. They even said they will come to my work and my house... She wanted my SSN, birth date that's ok but I need to know your not trying to scam me.

Thank you for your time she just really stressed me out really bad. The lady I talked to said she was hired to find me but I'm not sure what that means.
Consumer complaint received 2024-12-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SERVICEMAC, LLC (FL)

I was informed a few months ago that my mortgage has been transferred from XXXX XXXX XXXX limited to XXXX, information I requested to be emailed severally over the last couple of weeks without any action. I noticed there are a couple of things that changed, the address and the account number on the mortgage statement. XXXX major issue that I noticed since XXXXXXXX XXXX  that never happened with the original servicer is the application of mortgage payments to my account. 

In the past, XXXX will adjust late fees automatically once it noticed that payments were postmarked prior to the grace period. This XXXX did not do it, instead it wanted to charge this late fees even after I informed this institution of the precedents on this account, and the normal operational norms within the mortgage industry about postdated payments. I was informed that late fee would be waived as a one time courtesy for XXXXXXXX XXXX that if I want to avoid late fees in the future, I have to use it's platform to make payment as opposed to my other financial institution. 

In this month of XXXXXXXX XXXX I had to make double payments since I was informed that this institution did not receive the mortgage on the XXXX of XXXX grace period date. On the seventeenth of XXXX, at about XXXX, a period that the post office is yet to open, I suddenly found out that both payments have been cashed by XXXX XXXX XXXX is clearly violating its clients if not the law. On XX/XX/year>, I was told to write to an address I was provided by XXXX of the customer service representative of XXXX for a refund only to be told when I called back for confirmation of receipt that it was a wrong email address. I resent the said letter and proof of payment the same day, and today, the XXXX of XXXX, no one is able to confirm receipt. I was told by XXXX representatives that it would take XXXX days to receive a refund on the XXXX of XXXXXXXX XXXX, and today, I was told XXXX. Most mortgage companies do not wait for you to make any requests for refunds with proof as demanded buy this institution, they just refund those overpayments. 

Kindly assist in reviewing XXXX 's business practices, and why it suddenly changed its policy, yet continue to use the XXXX XXXX XXXX name. I am yet to receive information from XXXX to ensure the legitimacy of the account transfer from XXXX XXXX and the policy guiding the change on the late payments application on mortgages received prior the expiration of grace periods or stamped envelopes showing date payments were mailed as requested. 

Regards, XXXX XXXX
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done online without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.
Consumer complaint received 2024-12-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP (MD)

To whom it may concern, I am writing to seek help for unreasonable actions of U.S. Bank on my accounts.

I had a previous complaint of they closed my credit card accounts without notice and justified reasons, and now I am even more astonished to see how they are running with miscommunication and inefficiency at all between checking and credit card departments. 

As mentioned in complaint XXXX, they closed my credit card accounts due to a few payment reversal in XXXX and they think there are risks on my account. So now I have done what I promised in the last complaint that I linked my US bank checking account to my salary, so that I can make payment directly from US bank checking account, I assume payments within the same bank should be no problem. 

From my US bank checking account XXXX, I initiated a payment of {$490.00}, the remaining balance ) to my credit card XXXX on XX/XX/XXXX, and I saw the payment was made on XX/XX/XXXX, reflecting in my credit card account. 

But on XX/XX/XXXX, the payment was reversal again! And they charged me {$30.00} returned payment fee. 

I was astonished to see that, as this is a payment within the same bank!!!! 

I called US bank credit card department, they told me they saw the reason for the payment reversal is stopped payment but they could not see why. They transferred me to checking account department, and they told me they could not see any payment information in their system!!!! What a miscommunication in the same bank.

They communicated for a while and still could not figure out why the payment was unsuccessful, with sufficient funds in it, and just can not solve it, with 1-hour call. And then the call got silent and cut, noboday called me to follow-up anymore.

Now I realize, the reason US bank used to close my bank reversal payment and risk is entirely NOT because of me. Although I have done what I can do to make payments on time : with long-standing checking account with biggest banks in the nation, or switching to US bank checking account, the same bank, it will not work. The issue should be within the US bank.

As a honest person, I use my credit cards, and make online payments 100 % on time, with all my efforts, I can not do anything else to help with why payment to their bank always reversal. It is out of my control.

With this nightmare experience, I realized I could do anything more to help, the reason is the US bank miscommunication between departments and misbehavior. Payments to all my other credit cards with other banks, there were never a problem, only these with US bank.

So, I think those payment reversal are entirely the US banks responsibility, and this reason leads to they close of all my credit card accounts with them. So, they have to recover all my credit card accounts, and all the cashbacks and rewards I have earned in my accounts, as requested in complaint XXXX. 

Below, I attached last complaint for reference.
Consumer complaint received 2022-11-30
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: JPMORGAN CHASE & CO. (CO)

XX/XX/XXXX : Ordered an item from Amazon using Chase Amazon XXXX credit card, order # XXXX. Amount charged to card {$110.00}. 

XX/XX/XXXX : Amazon reported " delivered to a safe place ''. We could not find it ; none of our neighbors could find it. A day or XXXX later a refund was requested from Chase. The credit card was credited {$110.00} XX/XX/XXXX or XX/XX/XXXX : A neighbor brought the unopened package to our doorstep. 
XX/XX/XXXX or XX/XX/XXXX : I emailed Amazon and advised them that I had the package. I authorized them to charge my credit card {$110.00}. 

XX/XX/XXXX : For various reasons I decided to have the item returned. Amazon accepted my request. 
XX/XX/XXXX : I took the unopened package to XXXX XXXX Department XXXX. Please see attached confirmation from XXXX XXXX Department XXXX. 

I am attaching credit card transaction records, return approval etc... ( a total of XXXX pages which seem self explanatory ). 

Bottom Line as I see things : There were XXXX charges for {$110.00} and XXXX credit for {$110.00}. Amazon acknowledged return of the package. Chase has received all of the above information as has Amazon. I am owed {$110.00}.
Consumer complaint received 2022-05-02
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Convergent Resources, Inc. (CA)

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right privacy. 

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666 B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-02
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: Experian Information Solutions Inc. (MA)

There are too many inaccuracies in my report and i have filed disputes with EXPERIAN on the dates below EXPERIAN. 
- XXXX XXXX XX/XX/2022 It is over 90 Days i still do not have a response or report of investigation, that is if they did any. It is obvious that i am taken for granted and they are taking advantage of the situation and they are depriving me of my right to dispute. The report has caused me great distress and XXXX. 
According to the FRCA Law, Section 611 ( a ) ( 1 ) ( A ) of FRCA that clearly states that a failure to investigate and report any disputed inaccuracies or error within 30days it gives a reason to immediately remove those items from my credit report. it has been over 90days, so they should be deleted immediately.
Consumer complaint received 2022-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (OK)

In XX/XX/2021 I made a purchase at Sam 's Club in XXXX  XXXX. While checking out, I was told if I opened a Sam 's Club XXXX, I would receive a {$100.00} credit. It would be issued immediately making my current purchase free. I said no but succumbed to their pressure tactics and applied for the credit card. I was issu {$18.00} to complete the {$100.00} credit that was to be applied to my card. When I called Synchrony Bank told me that the credit was to be issued {$29.00} now and the remaining {$71.00} in 4 months. I told them that was not was Sam 's told me. They said that is what I agreed to. I had agreed to no such thing and as a matter of fact the only thing I signed was for the credit card purchase of {$82.00}. I called no less than 6 times to get this fixed, to no avail. I then spoke to the XXXX of my local Sam 's club where this all took place and he said there was no such agreement. That I should have received the entire credit at one time. When I asked if he would contact Synchrony Bank with me and explain this to them. He said he was not able to do that. I have paid nothing on this credit card as nothing is due. However, my current balance is {$220.00} due to late fees and interest charges. Synchrony Banks calls me no less than8 times per day since this has all began. I have blocked their number but get voicemails daily. I have saved all voicemails.