davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

Capital One Credit card scam. 
I had Capital One - VISA credit card, for about 10 years, with the same address and phone number, I accumulated over XXXX XXXX credit rewards and I indicated last year to the customer service representative that I am interested in redeeming them but the Epidemic changed the plan. 
To my surprise my card was declined in earlyXX/XX/2021, and when I called the capital one I was told that there was fraud involved - they did not elaborate what - and that the account was restricted, and when I asked about the rewards they said that they are off limit until the fraud - investigation - is complete, when asked how to lift the restrictions I was asked to send my driver license 2 faces, social security card and proof of residence. suspicious of these demands I decilned and offered to take these documents to one of there Local Branches and show it to a customer service person, but they declined, to tell the truth credit card companies are the target of hackers all the time and i do not trust them with these Documents. 
they still send me e-mails and bills to my address, and today I called and asked to fix the matter but i went no where, and when i demanded that my cash reward be mailed to me in a check they declined too. 
Now I do not care about the card - I have others - but I firmly believe that they created all this problems to scam their customers out of their Sky miles and cash rewards because what will prevent them from just simply give me a credit with my rewards there has to be a law against their unreasonable requests of sensitive Documents and denial of the rewards that the customer is entitled to receive and if they did this to me i think they do it to others
Consumer complaint received 2022-06-14
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: U.S. BANCORP (MN)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.
Consumer complaint received 2021-05-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

I bought a product that I never received, the seller said he never received the money, my bank verified he actually received the payment. I tried to open a claim with my bank chase and literally they said nothing they can do!
Consumer complaint received 2021-05-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (OR)

Hello, on XX/XX/22 I made a crypto currency transaction to a Coinbase merchant and the Coinbase merchant has turned out to be a fraudulent entity. I have submitted a ticket with Coinbase, attempted to call them and reached out to them on XXXX and XXXX and have receive no response from them at all indicating they are looking into the issue or have any intention or investigating the matter. 

The fraudulent company that received the payment is XXXX  : XXXX and they are unreachable as well since the payment to them. 

The transaction was for XXXX Ethereum which at the time was about {$20000.00} in cryptocurrency. 

I am seeking Coinbase to reimburse me for the amount of Cryptocurrency lost due to the fact that the fraudulent website was a Coinbase merchant and had they not been an authorized Coinbase merchant. There has to be responsibility on Coinbase for authorizing the fraudulent website to become a Coinbase merchant and further allowing the illusion of a legitimate website/organization.

The official manufacturer website for the product I thought I was buying has the fraudulent website listed as know scam on their website which I found after the attempt purchase. XXXX : XXXX ( red text section near the bottom has XXXX XXXX XXXX listed as a scam ) The Coinbase reference number is below as well as the transaction details Coinbase Commerce Reference # XXXX The XXXX Ethereum is a very large amount of money for myself and I desperately need to recover the funds, any assistant would be appreciated as Coinbase has been unreachable to this point. 

Please let me know if there are any questions or if anything else is needed from my end.
Consumer complaint received 2020-10-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY (FL)

I have closed my business due to COVID-19. My TD Bank Business Checking account balance is at {$0.00}. They are refusing to close the account unless I show up in person in the middle of a global pandemic! Do they not watch the news? 

I have started a new job and am on a 90 day probation period and can not risk taking a day off to go to the bank to deal with this. 

I just want the account closed - it has a {$0.00} balance! 

From : Customer Service Subject : RE : SB Account Inquiry Date : XX/XX/2020 Sent : XX/XX/2020 XXXX Thank you for contacting us in regard to closing your business account. 

We regret that we are not able to close a business account through secure message. Business accounts must be closed in person by visiting your local TD Bank during lobby business hours. 

We apologize if this is an inconvenience. 

If you have any further questions, please contact us via secured message or call XXXX and enter your account information when prompted, or enter 0 and select Business to speak with a TD Bank Small Business Banking Specialist, 24 hours a day, 7 days a week. 

Regards, XXXX TD Bank On-Line E-mail Specialist
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I currently have 2 closed credit card accounts with XXXX XXXX XXXX XXXX that have been closed since XXXX. However. Both accounts are still reporting new late payments monthly to all 3 credit reporting agencies ( transunion, XXXX, XXXX ). Not only are they reporting new monthly late payments on closed accounts but they are not reporting correct and complete information to all 3 CRAs. For example. There are multiple open dates, last active dates, last date of payments ect showing for each CRA. I will attatch a screenshot from Identity Iq showing late payments from XXXX as well as alll of the inconsistencies between the bureaus thats being reported. As well as an invoice for each violation and innacurate and/or inconsistent item furnished on each CRA. Ihave reached out to XXXX XXXX Multiple times about having the accounts removed as well as all 3 credit reporting agencies.
Consumer complaint received 2020-10-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc. (MS)

On XXXX the first I contacted franklin collection agency to settle my collection when I contacted them they stated that the account was pending to post to my credit report they also stated that if I settled the account for 70 percent of what i owed which was XXXX that said that they would not report the collect to the credit reporting agency
Consumer complaint received 2021-05-20
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)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2020-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

In XX/XX/2020 I missed my payment by a few days and was assessed a {$25.00} late fee. My family is struggling due to XXXX but I was able to catch up and make the payment a few days later. I even made a larger payment to try and bring my balance down. When I requested the fee be waived I was told no as Ive had one other fee waiver. Please help me during this time where {$25.00} means a lot to the average American family.
Consumer complaint received 2021-05-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: PNC Bank N.A. (NJ)

I wired the money ( USD XXXX ) to my International account ( XXXX, XXXX ) through their Correspondent bank XXXX XXXX on XX/XX/XXXX. After many follow ups, I understood that XXXX has returned the fund to PNC through XXXX XXXX on XX/XX/XXXX. The reference details were provided to PNC operations team in the week of XX/XX/XXXX. As of today XX/XX/XXXX, PNC claims that they have not heard from the beneficiary bank ( XXXX  ). 

My USD XXXX is out of my account for almost a month and not sure when its going to be either refunded to my account or delivered to my beneficiary account.
Consumer complaint received 2020-10-09
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (CT)

BB & T mortgage lender was to withdraw or receive the monthly payments automatically from my bank account and on the month of XXXX BB & T was unable or unwilling to withdraw the amount to cover the monthly payment, never contacted me to inform of what was happening and reported to the major credit agencies the mortgage was late 30 days, where they received the total payment for the month of XX/XX/XXXX before the 30 days were late. I have tried to speak with the lender including sent letters to BB & T and report the inaccuracy to the credit agencies to remove the late payment, BB & T just reports that they are reporting the late payment as accurate without any other explanation. BB & T as a company should be treating its customers with more respect especially the ones that have been with them since XXXX without any late payments or any problems. Will never use them again and will make sure all my customers and clients know how they treat theirs.
Consumer complaint received 2020-10-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (VA)

We received a letter from Convergent dated XX/XX/2020 attempting to collect {$1100.00} for an apparent XXXX balance. We have not had a XXXX account in years and had a {$0.00} balance when we stopped using them.
Consumer complaint received 2020-10-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PENTAGON FEDERAL CREDIT UNION (CA)

I have closed the loan on XX/XX/XXXX and the credit union took out our monthly payment on the XXXX of XXXX. I have contacted them by phone on the XXXX of XXXX and they told I should receive the the refund within a couple of days. I also sent at least 3 emails to the mortgage to department and I have never had any responses. So I called the office again on XX/XX/XXXX and I spoke to a women in a different department. She was able to contact the correct department and they told her the payoff funds showed up on the XX/XX/XXXX. As of today I haven't received my refund.
Consumer complaint received 2021-05-20
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 (NJ)

After receiving an email advertising apple XXXX XXXX cases at half price from a company by the name of XXXX, I placed an order for 4 cases on XX/XX/XXXX ( 1 for each member of my family ) using my Apple Card. Total price was only {$120.00} The company, XXXX, never sent me the cases. Further their website was shutdown and there are numerous comments online about the company being fraudulent - portraying itself as being part of xfinity but never shipping anything to anyone and not actually being part of XXXX. 

I have since tried to dispute this charge with my Apple Card by Goldman Sachs. Despite submitting the only info I have multiple times and pointing out that the XXXX  website was shutdown and that the company was a fraud, Goldman Sachs has opened a dispute, credited the charge and then reversed the credit in the favor of the vendor 3 times. On XX/XX/XXXX, they finally sent me an email letting me know that the dispute had been decided in my favor but they had already reversed the credit. When I initially called to ask and them to credit the charge, the agent apologized that it had not happened and told me that she was escalating the issue to her supervisor and that it would be taken care of right away. I called again this past Sunday and the same thing happened - Apology, filing a report, it will be adjusted and you'll get a call from a supervisor, very sorry. 

Yesterday, I once again called and the agent told me that the email stating that the dispute was resolved in my favor was in fact an error and that we could once again start over and contest the charge ... I can't make this stuff up
Consumer complaint received 2020-10-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There is a XXXX  account reporting on my TransUnion and XXXX   consumer reports that is not mine. I was not liable on this account and was only an authorized user. I've sent multiple letters to dispute this item directly with XXXX, TransUnion, and XXXX  and they have failed to remove it from my credit reports.
Consumer complaint received 2020-10-09
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (CA)

This complaint is regarding an egregious situation that is occurring to my wife and I by GM Financial with regards to a XXXX XXXX XXXX and a sequence of events that occurred during our lease return process. 

I have mailed, by certified mail with return receipt request a very detailed summary of the events that occurred. I am attaching my correspondence from XX/XX/XXXX for your reference, along with the supporting certified mail documentation that proves this letter was received by GM Financial. 

In summary, I visited my mortgage lender to take advantage of the current historic low interest rates and reduce my current mortgage from XXXX XXXX to XXXX XXXX, a move that represents a substantial savings to my family both in the current monthly payment and the long term finance cost for my mortgage. I was rejected for this mortgage, as GM Financial is reporting several late payments and a past due status on my returned lease. I left his office thoroughly embarrassed and extremely upset. 

All my life I have been extremely responsible with my credit obligations and I have never missed not one payment. I've always enjoyed XXXX credit scores and the easy access to favorable financing terms this credit score provides. Now, I am facing the possibility of losing out on a savings of tens of thousands of dollars due to this egregious error by GM Financial. 

As you can see in my correspondence, GM Financial fumbled on three seperate occasion the pre lease return Vehicle Inspection appointment that caused my wife to miss several days of work so that she could be home for this appointment. The inspector was a no call, no show on two separate occasions, and because of this, after much back and forth XXXX whom was presented as the supervisor of the department granted a credit of {$390.00} to cover the disposition fee. I urge you to read the letter from XX/XX/XXXX to understand the context of this situation and how exactly GM financial fumbled the lease return experience. 

Well, now it seems that this was never documented, ( everything else is documented but conveniently the disposition fee credit is not ). I implore GM Financial to simply LISTEN TO THE RECORDINGS to corroborate my version of the story. They clearly state that calls are being recorded, this is a great time to reach into the recording vault. My detailed notes referenced in the XX/XX/XXXX Correspondence will make it very easy for you to locate the specific call. 

I have also on numerous occasions informed GM Financial of this, in writing, by phone, etc. I truly thought this was resolved with my XX/XX/XXXX letter but now they are destroying my wife and my credit history that is impeccable for 30+ years. We will not tolerate this any longer and want to make very clear should we miss out on the significant savings of refinancing our home mortgage we will pursue a claim for these damages. Easily, valued at XXXX dollars over the life of a 30 year mortgage.
Consumer complaint received 2021-05-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc. (CA)

On XX/XX/2020 I entered into an installment agreement with American First Finance when I had work done on my vehicle at XXXX XXXX XXXX XXXX XXXX. The amount to be financed was {$2300.00}. The application, contracts, disclosures, etc. was filled out and signed online. I was approved and my payment amount was XXXX every 2 weeks. The interest rate was 90 days interest free and if the balance was not paid in the 90 day interest free period, the entire loan amount was subject to a 36 % interest rate. I set up the payment for autopay through my bank and have made 19 on time payments totaling {$2500.00}. I logged into my account on XX/XX/XXXX to check my balance and it was still {$2000.00}. I called and spoke with a gentleman regarding the balance and he informed me that because the balance wasn't paid in full before the 90 day interest free period I am being charged 137 % interest and I still have over 14 months or 28 more payments until the loan would be paid off. By an approximate calculation the total amount I am expected to pay is over {$6000.00} for a {$2300.00} loan at 36 % interest. It doesn't add up or make sense. I believe that this a predatory lending and unethical business practice. I am continuing to make on time payments as agreed until the situation is resolved.
Consumer complaint received 2020-10-09
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: The Receivable Management Services LLC (TX)

I have attempted to reach out to this company via mail and no response. After careful review of my credit report I see that this company is reporting A debt owed of XXXX for XXXX  XXXX I currently have XXXX XXXX and my insurance is active and valid. I have reached out to XXXX  myself and was informed they can not or do not send an active policy to collections. They assured me my poliy is in great standing and my monthly payment of XXXX for my XXXX  XXXX XXXX does not match the balance reported of XXXX. This seems to be some sort of error or misinformation. I was told by XXXX since they have no records of such reports I would need to dispute with credit b. I have submitted disputes there and nothing has been updated. This company is reporting false information on my report which is illegal. Im not sure how they recieved my information if XXXX  is saying they have not reported such information. And again the balance this company is reporting isn't an amount that I would owe because my payments are much higher then this for two cars that I have currentln with this company. I was able to view the last four of the account number on my report and it does not match the last four digits of my actual account number. Whcih confirms this information is indeed incprrect.
Consumer complaint received 2023-09-14
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE (CA)

I was purchasing an airline ticket with Jet Blue on XX/XX/2023 and a pop up came in to apply for credit card and would be a bonus of XXXX point/miles if you comply with the requirements. 
I applied for a credit card and to my surprise I was not approved on the spot as usually. 
My credit score is excellent XXXX or more and I have decent income and great credit report. 
I received a letter in about a week they asked for additional information such us ID, SS Card bill statements or bank statements. I supplied this document and sent to them the next day. After a week came by I did not hear anything called them to make sure they received my mail. She confirmed receiving it and some one from a security department verified my identity and told me Im all set. I received an other letter a week after. They asked me again to be verified. I called the number on the letter. Security department verified me again even though I was previously verified. At the end of the call she told me congratulation you are approved for XXXX and your card will be send to your house in 7-10 business days. Waiting for the card and never came. Called again on XX/XX/XXXX spoke with customer service she transferred me again to their security department to be verified for the 3rd time and further assist. I was shocked when she told me that my application was still in referral status even though I was told that should receive my card. I was very upset and frustrated with everything I had to go through. I told her to withdraw my application and I will complain to Consumer Financial Bureau.