davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Paypal Holdings, Inc (WA)

PayPal is refusing to close my open accounts. I have this odd feeling that we me being homeless that certain accounts that I lost access to as a result of my telephone number with XXXX  not being able to be recovered or ported resulted in my inability to recover these accounts due to XXXX. 

All attempts to engage corporate to close any accounts in my name have been met with shenanigans as well as acts of avoiding contact. They fail to establish a good time to reach me and instead engage in acts that mirror someone doing the least amount of work to contact me while leaving my accounts in play. 

I want all accounts in my name closed. They are requiring an excessive amount of information in order to close the account and are in my opinion abusive.
Consumer complaint received 2021-08-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: SYNCHRONY FINANCIAL (CA)

I paypal credit on my account. 

I used paypal credit to purchase business courses to help learn new skills and make ends meet for my family as I had my XXXX child XX/XX/XXXX. 

When the pandemic hit, we went through hardship and my wife and I were on unemployment. We were receiving money from unemployment. This was used to survive during XXXX. So we could not pay as we would have wanted to. Due to the pandemic and unemployment, my wife and I were scrambling to make ends meet so we were not able to pay on time from XX/XX/XXXX to XX/XX/XXXX. 

XXXX and XXXX starts it in XXXX but XXXX in XXXX. 

So Paypal closed the account without letting me know. I've had a long history with paypal and used their services throughout the years. 

My wife and I have started our own businesses to try and make ends meet. The reason there was a gap in paying for 3-4 months was because survival was our focus. I had a brand new baby and my priority instead of paying the credit back was to provide for him and my wife. 

In order for me to continue to do business and expand, I would need credit cards but because of the late payments and closure of the account, I am not able to open or qualify for business credit cards. I have the funds to pay it off now but wanted help. what would be the amount i would need to pay if they accept so that they could remove all the late payments on my reports?
Consumer complaint received 2021-08-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (FL)

i was billed for something i was told i was denied for, called the company sycrne care credit they dont even have a bill from the XXXX  office and the XXXX  office has no knowledge of this but they are listed as the provider that day
Consumer complaint received 2021-08-24
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. (IL)

According to 15 U.S.C 1681 states that CRAs are required to report only accurate credit reports and exercise the consumer 's right to privacy. 15 U.S.C 1681 subsection ( A ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

These consumer reporting agencies are in violation, of which, 15 U.S.C. 1692g ( a ) - Notice of Debt { Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing }. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.

I contacted them multiple times but I never received any response yet, which violated my rights on 15 U.S.C 1681N and 1681O for their willful and negligent non-compliance.
Consumer complaint received 2021-08-19
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. (SC)

This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ;
Consumer complaint received 2022-10-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (ID)

I have a loan through the XXXX XXXX consolidation loan process. I have over the years attempted to get my promissory note, correct payment balances etc. I was sold to XXXX by the federal government when they abandoned the XXXX  program and then was sold to navient in 2017. Navient says that XXXX did not provide a promissory note or payment history. 

In XXXX I attempted to direct consolidate with the federal government through a company called aidadvantage. They sent me a denial letter stating that I was not qualified due to the type of loan I have. I recently learned that even though they denied me the direct consolidation with the government they took over my accounts. ( i believe navient and XXXX are one and the same just sister companies ) When I talk to Navient they say I need to talk to XXXX ( even though i am still paying Navient ) When I talk to XXXXe they state they have no account but see that its with some other company called XXXX. I would like to make a formal complaint against all three companies ( probably just the same company ) about why I was not notified of any of these changes. Lastly XXXX says I am not a customer of theirs. 

I will fight for some type of understanding with XXXX but in the meantime this can not continue.
Consumer complaint received 2019-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (NJ)

I am in the beginning of restructuring debt, with a debt management company. 
I have several accounts with American Express which are to be put into the payment program. However, one of the requirements of the program is to provide the full account numbers. One account with American  Express, was closed in XX/XX/2017. Although I have continued payments to this account, the refuse to send out a new card. This card would contain my full account number, which the debt management company would use to put the account into the plan. My statements, do not contain the full account number ( only last 6 of account are provided. The debt management company can not include my account in the program, unless they can meet the requirement from American Express to provide a full account number. 

I have contacted American Express and they provided a tracking number for my request XXXX, but supported the initial response, which was refusal of providing my account number and refusing to send out a new card. 

Attached is the statement from American Express, which I hope would help you in a response to my problem.
Consumer complaint received 2022-10-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd (NY)

Dear Sir/Madam, On XXXX XX/XX/2022 I made a money transfer to the company Wise, which operates with XXXX XXXX , in the USA, to be sent to a foreign bank at the value of US {$45000.00}. 
This money was expected to be deposited into my own bank account at home. I have used Wise for over several years and never had any problem until this incident. I was contacted by email asking for an explanation on the money what I did and given the lack of contact from Wise for over two days, I requested the money be refunded. Wise, informed me that started the refund on XXXX XXXX and needed 2-5 working days to deposit it back into my account. This never happened. I contacted my bank XXXX XXXX, which informed me that the money was never paid back, they asked for a tracking number/ swift number from Wise, which refused to provide it. Since then, I have been calling and writing to Wise customer service every day ( I have the documentation ). After asking for my banking statement and ensuring that I did not receive the money, they informed me that a " second transfer was made '' on XXXX XXXX and I should again wait for 2-5 working days. 
Every day, I contact them, I receive the same explanation : " We do not know why the refund hasn't reached you. We are escalating it with the team and will get back to you when we hear something back. We are sorry for the inconvenience. '' I explained to them that this goes beyond inconvenience and the I needed the money back immediately into my account, to no avail. 
I am afraid of reports which indicate that they have done it to others. 
I really ask for your assistance with this serious and urgent matter and your kind advice. 
Thank you. 
Sincerely.
Consumer complaint received 2022-02-02
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Consumer complaint received 2021-11-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: Coinbase, Inc. (KY)

I'm wondering if this is a legal practice. The company Coinbase has a debit card that they say they issue rewards for your purchases. This is not entirely true. I have multiple purchases from weeks ago that I have not been issued the rewards. I've contacted Coinbase several times and never get anything other than the standard auto response saying it takes up to 5 days and if it takes longer to contact them, but when you do they send you the same response. Recently they've stopped sending the auto response to me which I'm not happy about. It's obvious they could care less about scamming their customers. Can a company say they will give you rewards for using their product but they don't have to? It's very frustrating. I've reached out on twitter as well since they obviously have zero concern from their so called customer service department ; no response. I have no doubt I'm not the only person experiencing these issues but there's no place im aware of to be able to speak on or address the subject. If they would at the least say they're aware of the issue I'd have some kind of peace of mind but they think ignoring their customers and giving them no guidance or feedback with their auto response system is ethically okay. I have no clue who to turn to. Please help if you can. Thank you for your time and concern.
Consumer complaint received 2022-10-24
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. (MD)

XX/XX/XXXX I mailed off correspondence to Equifax. According to USPS tracking records they received my notice XX/XX/XXXX which they have ignored me and my request again. There is an address on my report that does not belong. When I XXXX  the address they're reporting it shows that it is some random apartment building in XXXX in XXXX XXXX XXXX but on my report there is no apartment number? Also, I have disputed with them in the past about these accounts being erroneous but I received no response! They have not responded to my mails that I have sent certified and are willfully disregarding my rights as a consumer and in doing so breaking the law! This is unacceptable and should not be happening. I have records from every time I have communicated with them and have provided them my actual address to contact me and they have yet to do that. I never gave them my permission to report these accounts so they need to delete them and send me a copy of my updated report, that's what it says on your CFPB.gov website! I'll provide a copy of the letter that I sent them to you and show my demands.
Consumer complaint received 2021-08-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Chime Financial Inc (OH)

At the end of XXXX and beginning of XXXX, I loaded money onto my chime card to pay bills and go on a summer vacation. The same day as my flight and my last deposit I got an email saying my accounts where closed because I violated deposit policy. I had a spending, saving, and credit builder account. I was under the impression that the more I used my credit builder account the more my credit would improve. So I made many/ if not all transactions with this card. I got mixed messages from chime saying I would be refunded then I would not. Most recently they are saying they are only refunding a fraction of my total balances. Theyve asked me to verify the funds I deposited and I did. But Everytime they email me its a different agent who repeats themselves. I need help. I do not want or will never do business with chime again, I just want my ALL funds back!!!! I am a XXXX  parent XXXX XXXXXXXX  and they should be ashamed taking people money like this. Where is the justice in these big companies taking advantage of low income people?
Consumer complaint received 2021-08-18
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: SYNCHRONY FINANCIAL (MS)

Since returning the cellphone to the company XXXX, we have contacted Synchrony Bank over 12 times to discuss the dispute. The dispute has been closed and opened 3 times without us knowing. We contacting Synchrony bank again today to discuss the credit of {$640.00} for a phone that we returned to XXXX in XXXX, and we provided the tracking number XXXX to show that they received the phone on XX/XX/2021 at XXXX XXXX and signed for by XXXX. Although we have provided accurate and effective documentation to prove that we didn't keep the phone, Synchrony bank has failed to give the {$640.00} back XXXX and they have continued to charge interest for the {$640.00} XXXX. After trying to explain to XXXX, a customer service manager, today that we have been illegally charged interest and denied a refund of an item that we have proven to be returned to the merchant months ago, she did nothing but be rude, disrespectful, and argumentative ( by telling me that she will start a new dispute and it will take up to 3 months to resolve ). I requested a superior above XXXX because we have already did this 3 times and placed over 12 phone calls, and XXXX told me that a superior above her might call me within 2 weeks if they feel like it's something to further discuss with me. I told XXXX that I feel the need for a superior above her to get involved because I'm the customer that has placed over 12 calls, waited on 3 closed and open disputes, and been charged interest illegally, and still haven't received a refund or any kind of resolution. XXXX continued to be rude, disrespectful, and argumentative, so I have decided to seek help outside of Synchrony Bank with this matter.
Consumer complaint received 2021-08-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NE)

The company continues to harass us that our mortgage payment is past due. They also responded to a previous complaint on XX/XX/21 that our issue has been resolved, but it has not! ( see attached ). We have been dealing with their extremely poor customer service departments/escalation departments/management, and extremely poor follow-up for over 2 months now- and the issues still exist! They have never called us back like they stated they would and they continue to provide erroneous information to the credit reporting agencies and the organizations investigating these issues.
Consumer complaint received 2021-08-18
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 recently filed a report with XXXX, XXXX, and Equifax of inaccurate items being reported on my credit reports. NONE OF THE THREE BUREAUS REMOVED THE INACCURCIES. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of these debts on my credit reports. This is defamation of character and misrepresentation of my credit worthiness. I recently applied for a loan and was denied due to inaccurate information being reported on my credit reports. i am exercising my right as a consumer who is a victim of identity theft. i ask that these accounts be deleted within 15 days of these receipt otherwise i will be forced to file a litigation explicitly stating your company 's negligence to abide by The Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Consumer complaint received 2022-12-29
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: TransferWise Ltd ()

Hello my name is XXXX XXXX right now I am working with a XXXX XXXX in XXXX my salary is XXXX XXXX I have uploaded all bank statements of my XXXX XXXX  but wise rejected all now i am going to upload my compnay certificate which i working there i request to wise team please open my account
Consumer complaint received 2021-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

On XX/XX/2021 I paid a collection account in full with XXXX XXXX , XXXX. I have proof of payment.

I filed a dispute with Equifax twice ; as of today I filed another one so 3 in a row. They are stating the balance and info is correct that they reached out to the creditor. I reached out to the creditor and they told me the account is paid in full and is no longer in their system. 

XXXX  and XXXX  have already removed the collection from my credit. Equifax is giving me a hard time and not removing it or correcting the balance info. So I am having to take this into further action.
Consumer complaint received 2020-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (NY)

American Express ( Platinum Card ) claims to offer " Car Rental Loss and Damage Insurance is  underwritten by AMEX XXXX XXXX ''. 

According to Amex : " This product provides secondary coverage. This means it pays eligible benefits not paid by any primary insurance that you have ... For full Terms and Conditions, see americanexpress.com/CRLDIterms. '' https : //www.americanexpress.com/us/credit-cards/features-benefits/platinum/terms.html Note that the link on the Amex 's own page to the " full Terms and Conditions '' leads nowhere and therefore important features of the insurance are not available to consumers. 

I rented a car using this card, had minor damage, submitted a claim and as a New York insured driver they sent me the following statement " ... New York Auto Policies should provide coverage under the Auto Liability section of your policy and no deductible would apply ... Given this, we are closing our file. " Very importantly, Amex sent me this notice before any contact that I or they had with my insurance company and without reviewing my insurance policy in any way. According to their own notice to me, the only basis of their decision is that I am a New York insured driver. This means that their advertising is false. They do not provide " secondary '' coverage to New York drivers. They provide no coverage at all to New York drivers. 

Note that on their website they specifically state that " This benefit is not available to residents of XXXX XXXX, XXXX XXXX of XXXX, XXXX XXXX, XXXX and the US Minor Outlying Islands. '' But they fail to state that it is also not available in any form whatsoever to insured drivers in New York.
Consumer complaint received 2019-01-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kansas Counselors, Inc. (KS)

I found over 10 accounts on my credit from Kansas Counselors inc-I sent in a request by fax and mail for validation of these 10 debts-which are marked as closed medical accounts. I heard nothing back from them. I supplied them with my new address and contact information and still got nothing back. I submitted a dispute with the credit reporting companies because I think that these debts are linked to Identity thief that occurred in XX/XX/XXXX-XX/XX/XXXX from and ex-employee. Kansas Counselors remove all of the accounts except 3 of them. 
I have requested 3 times for proof of this debt and they refuse to provide it and keep responding to the credit reporting companies that these accounts are valid. And now they are reporting the accounts as brand new accounts with no last day of active on it, which the credit reporting companies tell me that will cause the accounts to say on the credit longer then the 7 year marker.