davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-06
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 (VA)

On XX/XX/2019 I was financing XXXX XXXX with an advertised 0 % rate financing with Carecredit. I was not aware that I was opening a credit card, I believe that I was enrolling in a 0 % interest payment plan as it was advertised and as the paperwork seemed to convey. 

Less than a year later, suddenly with only about {$700.00} remaining on my loan, I was charged {$700.00} in interest. 

I called Carecredit after I XXXX my issue, and saw that this is not the first time CareCredit ran this scam. In fact, CFPB fined the company FOR THE EXACT SAME PRACTICE previously. 

How can they still be in business to rip off more consumers? Clearly the previous fines and refunds weren't enough to deter this behavior. 

Further, upon further reading their own document outlines the promotional 0 % rates are for 6,12, 18, or 24 months. However my rate was revoked after 8 months, an act done on their behalf because my payments would have had a zero balance at the time of the rate expiration. 

From the document : " This notice is to let you know about some promotional financing plans that may be available for you when you use your card for future purchases. This is only a summary of key terms. At times, we may offer you other promotional financing plans for certain purchases. Details of available promotions will be provided to you at the time of your transactions. Not all plans or all plan periods will be available at every retailer. For purposes of this notification, your Purchase Annual Percentage Rate ( " APR '' ) is 26.99 %. See the Interest Charge Calculation section of this billing statement to determine if this APR is variable. If a ( v ) is shown next to your APR, this APR will vary with the market based on the prime rate. Subject to credit approval. Regular account terms apply to non-promotional purchases and, after promotion ends, to promotional purchase. 
No Interest if Paid Within Promotional Period ( These can be advertised as Deferred Interest promotions ) Under this promotion, no Interest Charges will be assessed if the promotional purchase balance is paid in full within the promotional period. If the promotional purchase balance is not paid in full by the end of the promotional period, interest will be imposed from the date of purchase at the Purchase APR stated above. Minimum or fixed monthly payments are required. This promotion may be offered for periods of 6, 12, 18, or 24 months. 
Please keep ''
Consumer complaint received 2021-12-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2021, JP MORGAN CHASE Bank processed a dispute of a debit charge from my account in the amount of {$2900.00} to XXXX. They reversed the payment and handed me a temporary credit. I immediately called to tell them that this was not a fraudulent charge that it was my mortgage payment and it should be processed. On XX/XX/2021 JP MORGAN CHASE canceled the claim and removed the temporary credit of {$2900.00} from my account but they didnt send it back to XXXX. It is now XX/XX/2021 and my money is still to be received by my mortgage institution, TDECU, or back into my checking account. I have called JP MORGAN CHASE multiple times and its always the same excuse that it was 45 days and now that the 45 days are up that I have to wait for XXXX. This was not a credit card charge this was a debit card charge - that money is mine and JP MORGAN CHASE has been keeping it since XX/XX/2021.
Consumer complaint received 2019-02-01
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: JPMORGAN CHASE & CO. (IL)

I have filed a previous complaint against Chase bank regarding account ending in XXXX. My identity was stolen and there was a chase bank card opened under my name. I sent in my police report with all the information. Chase bank proceeded to tell me that they are finding the account valid due to payments coming out of my checking account. They have 4 different checking accounts listed making payments. 2 which are on my police report as fraudulent and 2 which I have never heard of. They stated that there were payments made out of XXXX XXXX  ( which are on my report as fraudulent ), and the signature on the bottom of the check does not even match mine, a bank named XXXX which I have never owned and XXXX XXXX  which I have never had an account with. I asked for proof of these accounts and if they showed my name. You can see from the copies I have attached that the name on XXXX does not belong to me nor is it the same business name or address with XXXX   number. I have also requested that the charges on the card be investigated and they have refused to fulfill my request. This account was not opened by myself. My identity and all personal information was stolen to open this and other accounts as they have seen on my police report. I want the charges reviewd and I want to know how you can hold someone responsible when the payments are not even coming out of an account that belongs to me. This needs to be addressed immediately
Consumer complaint received 2020-06-22
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: CAPITAL ONE FINANCIAL CORPORATION (IN)

Case # : XXXX Merchant : XXXX XXXX XXXX XXXX ( XXXX ) Date of Transaction : XX/XX/2020 Amount : {$820.00} I was notified on XX/XX/2020 by the airline that the flights were cancelled, and no alternatives were available ( see enclosed email ). On XX/XX/2020 I emailed the merchant as their phone line and online chat features said that due to COVID they could only assist with new bookings. In it I informed them that the airline had cancelled the flight and asked for a refund. 

Previous to all of this Fareboom ( the merchant ) sent an email on XX/XX/XXXX stating that a cancelled flight would result in a full refund ( also see attached ). 
It wasnt until after I submitted my dispute on XX/XX/2020, 10 days after my flight was cancelled ( and well past the 7 days that the DOT says refunds due to cancellation must be processed ) that I got any correspondence from XXXX. It was a generic email trying to get me to take a travel waiver, which at this point I think we all agree I was entitled to a full refund so a moot point. 

As it stands, my trip is still in a pending status and I have no tickets due to the flight being cancelled and I also have no vouchers to use. I also have attached a chat transcript where they admit I am due a refund but are holding it hostage for a {$100.00} per passenger fee because I disputed the charge due to them fraudulently trying to keep my funds and ignoring any requests to handle it before it was brought to CapitalOne. 

Disputing this charge with CapitalOne has resulted in no satisfaction. Despite now having nothing for the almost {$1000.00} I was charged. No tickets, no vouchers, and a merchant 100 % unwilling to assist. If that isn't a charge worth disputing, I don't know what is.
Consumer complaint received 2020-12-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (FL)

I set up a Coinbase account a little over a year ago and was locked out of my account with around {$50000.00} and an open trade position on XX/XX/2020, which is a month and a half ago as of writing this complaint. 

When I first noticed the issue, I tried calling Coinbase customer support and found that it was a recording that tells you to submit a request through their website as there was nobody to speak with. I submitted a request through the website on the same day ( XX/XX/2020 ). The only message I got back was an automated email saying their team was working on the issue. After several days of hearing nothing back, I tried responding to the email and received another automated email saying the case was closed and if I had further questions to submit another request through their website. There was no explanation and no access to my money. 

I submitted another request and had the same experience. Since the date my access to my money was cut off I have submitted around 15 requests, tried contacting numerous times on XXXX, XXXX, XXXX, etc. and all of my attempts to contact them have been ignored. I did some research online and I was shocked to find thousands of other people who are experiencing the same thing as I am, as well as they have received XXXX requests in 6 months from FBI, ICE and other agencies according to XXXX XXXX and many other reliable online sources. This is a link to one of many articles that I found https : XXXX This is literally the worst customer service experience I've ever had with any company. This money was my life saving and I have had to pay my bills with credit cards as I have no access to my money. This has put me in a very difficult situation financially. It's almost XXXX and I have a wife and XXXX children.
Consumer complaint received 2020-06-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (TX)

On XX/XX/2020 four accounts for Radius Global Solutions appeared on my XXXX  credit profile that appears to be duplicated with no account numbers. The amounts in question are for {$1500.00}, {$1500.00}, {$110.00}, and {$110.00} l have no knowledge of these debts and want them removed from my credit profile by this company immediately.
Consumer complaint received 2023-03-28
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: Experian Information Solutions Inc. (GA)

I have filed 3 separate disputes with XXXX, Experian, and XXXX in order to have inaccurate information removed from my credit file. The first dispute was filed on XXXX XXXX. XXXX, but I have not received a response from the credit bureaus. I'm hoping that CFPB can help me with this issue.
Consumer complaint received 2023-03-28
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. (GA)

I have filed 3 separate disputes with Equifax, XXXX, and XXXX in order to have inaccurate information removed from my credit file. The first dispute was filed on XXXX XXXX. XXXX, but I have not received a response from the credit bureaus. I'm hoping that CFPB can help me with this issue.
Consumer complaint received 2022-01-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc ()

Hello Good Day Ma'am / Sir, Me and my client were using Paypal as our payment transaction and he sent me {$2.00} yesterday XXXX XXXX, 2022, he sent me his payment twice so the total I received was {$4.00}.. But Paypal hold the money and asked me to update the shipping details and I did that and they advised me to wait for 3 days .. And today I received an email from Paypal and they told me " you can no longer do business with Paypal XXXX.. I'm asking myself why? I do verified my email and my contact number and I also did submit my valid ID and Paypal hold my funds for 180 days .. Why Paypal did this to me, I didn't do anything wrong or against there term and conditions, Hoping to resolved this issue as soon as possible and I can continue using Paypal as my Online payment transaction. Please me.. Thank you very much.
Consumer complaint received 2020-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I did not open a credit card with CapitalOne, I have had identity theft. I have tried to call them numerous times to discuss and submit police and FTC reports but they refuse. They refuse because I can not verify the account because it's not mine. So they refuse to speak to me, but yet hold try to hold me liable. They say its my account but wont tell me anything. IT IS NOT MY ACCOUNT SO THEY SHOULD CLOSE IT
Consumer complaint received 2020-06-22
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 — Problem with personal statement of dispute
Company: Prosper Marketplace, Inc. (IL)

( XX/XX/2020 ) My loans was cancelled and account suspended for 90 days because : " Your loan request has been cancelled for the following reason ( s ) : Unable to verify identity, employment, credit history, income or other information on the application. '' ( email from Prosper ) I applied for a loan on XX/XX/2020 on the Proper Website. In their loan documentation, they stated they would call if further information or clarification was required. They did not contact me before suspending / cancelling the loan. I called this morning ( XX/XX/2020 ) to find out what was missing or going on. ( XXXX XXXX  ) The recording I heard about my account, before talking to someone, said the loan was incomplete. I talked to agent # 1, who could really do nothing or tell me what was missing, I asked for a manager but that department was closed for another 15 min. This person also told me that my credit report from " XXXX ''  may not have matched what I wrote in the application but when I checked everything matches, maybe how I named my employer is different than the report. That in my mind could have been solved in a 30 second phone call. This agent # 1 put me on hold to then disconnect my call ( XXXX ). 
Called back the same number and had to explain the entire situation again to agent # 2, who couldn't do anything and passed me off to the " Prosper Advocate '' group, which was now open. Talked to agent # 3 and once again could not tell me anything on why, what information was needed or what happened. Instead the answer was : " we can have a different department email you '', but no one from this department takes phone calls. I even asked for someone else that could help on the phone to get this solved quickly, but the answer was that there is no one else that I could be transferred to. 

So now I can't do anything for 90 days to correct the whatever information didn't match, or to even find out what is actually wrong. Their contract said that they would contact me if any issue was encountered during the verification process, but I received no phone calls nor emails. 
My credit score is going to take a hit because of the hard inquiry, and I have worked hard to recover the score after a bad divorce where I was stuck with all of the marital debt. I have no one to contact because I have to wait for THEM to email to me, if they even bother. 

The time frame from the submittal of the loan request and suspension was less than 24 hours with no information, requests or phone calls. At no point does it say I was denied or the loan was cancelled for reasons of credit or credit history.
Consumer complaint received 2023-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

Capital one took my security deposit to open my credit card and then closed my account and wont return my deposit. I never got to use the account at all. They closed the account before I even received the card. They told me they didnt know when I would receive a refund, or if I would.
Consumer complaint received 2021-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Capital Accounts, LLC (KY)

Capital Accounts , LLC has reported to identical amounts owed to XXXX XXXX ( duplicate entries ) of about {$1700.00} each. I was never billed by the dentist, never received a statement, even though I paid thousands of dollars to the dentist and when I asked for a validation letter from Capital Accounts , LLC months ago, I never received anything. I advised Capital Accounts, that I dispute the amounts and the duplicate entries and that if they did not correct both the debt reporting and elimination of the duplicate entries that I would file this complaint. No response.
Consumer complaint received 2020-08-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC (CO)

My current home mortgage is thorough XXXX sub handled by MyLoanCare. I am currently trying to finish a refinance of my mortgage. All I need it the payoff amount fax or sent to the title company. I have tried for 3 weeks to email and fill out the requests on the MyLoanCare website and I have not received any information or acknowledgement of my request. I have tried to call and there is ZERO ability to talk to a real person. I have tried to call XXXX and they just transfer me to the same automated phone system for MyLoancare and you can not talk to anybody. This should be criminal! They are holding my mortgage hostage while I have to pay a higher interest rate!
Consumer complaint received 2020-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IN)

on XX/XX/2019 my cell phone was misplaced. Two and a half months later I found it. I contacted my carrier and told them that I found another carrier ( cost was 1/3 of XXXX ) and wanted to switch. They immediately locked my phone and refused to free it for several months. I finally gave up and paid the ransom of {$140.00}, then switched to XXXX XXXX and received a new phone and phone number. I called the bank ( USAA which claim to cater to service members and vets ) and gave them my new number and told her that they could send the code to that new phone number. She replied that oh no they could not do that. Only to the number on record. As long as I had been a customer at USAA I was also unable to receive emails from them even though they had my correct address. So I was still not able to receive, thus respond with any codes thus not able to access MY account. I filed a complaint with the XXXX  which went nowhere. After not accepting their responses which basically changed nothing, the XXXX said that they had responded to my complaint, so case closed. Meanwhile, it has been almost ten months and I stilll can not see my data. What would you do if your bank suddenly allowed you no access to you account activity or account balance?
Consumer complaint received 2020-09-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (OR)

On XX/XX/XXXX and XX/XX/XXXX, one unauthorized transaction occurred on each day. The first unauthorized transaction had a sum of {$500.00} and the second transaction had a sum of {$300.00}. Both transactions were accomplished through XXXX to a completely random email. I called the very same day to dispute the transactions with my bank ( Wells Fargo ). They told me they will file a claim and the issue should be resolved within 10 days ( Both transactions at the time were pending ). I called the next day to have my account number and online banking account replaced to prevent any more possible unauthorized transactions. I also mentioned to the specialist to make note my email that is tied to my online banking account has been under multiple attempts to sign in from other people besides me ( I have the XXXX alerts ). The specialist said this would benefit my case as this can mean my account was hacked. After 14 days when I first made the claim ( today ), I called to see what was going on with the claim. That is when they told me my claim was denied for I made both transactions and I was trying to trick the system. The account that received the amount is now unregistered with XXXX which makes it even more suspicious that it was not me who approved the transfer.
Consumer complaint received 2020-09-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (VA)

I have an FHA mortgage with Wells Fargo and was granted COVID 19 forbearance effective XX/XX/2020. I called WF on XXXX and asked about repayment options. After 2 hours, 3 reps, much confusion and 1 rep hanging up on me, I was told that I was not current on payments when COVID began, so they could not offer me ANY options for repayment. I was given a different number to call to " try to straighten out my account ''. Frustrated I decided to call in couple days. I have since verified that I made all payments and that WF took the payment out of my checking account. I have documented with checking account statements and cancelled checks. 

On XXXX, I received a notice by mail stating that I am currently in foreclosure and that WF is " actively pursuing foreclosure '' ( to this point I have not received any notice that I have any late payments much less at risk of foreclosure ) .The same letter stated that although they received my payments that they could not be applied to my account.I called the number listed on the letter and an hour later was able to speak with someone in the escalation department who says that they will research it, but that he can't stop the foreclosure process.
Consumer complaint received 2020-06-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westcreek Financial (IL)

I reviewed my account through the company web portal for customers. I learned that my payoff amount was XXXX on XX/XX/XXXX. I EXCITEDLY, whipped out my debit card for payoff amount. The ledger showed that I was paid off. The company the next day takes an additional amount of XXXX on XX/XX/XXXX. I made an inquiry about this amount, after being antagonized by the supervisor ( the csr did a warm transfer stating what my problem was ) XXXX said that my payment was scheduled to be withdrawn from my account prior to the payoff, and the payoff amount was added to regular payment. 

There is no stipulation suggested or any other practices explained that this is the practice. Which I find to be unethical. YOU can not state my amount is to payoff is XXXX XX/XX/XXXX. legally take more money after the ledger suggest I'm paid off. I have paid over XXXX on a loan that should have only cost me XXXX. So why be concerned if I've already overpaid. Because this practice is unethical and I want my XXXX.
Consumer complaint received 2020-06-22
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: Experian Information Solutions Inc. (FL)

I DON`T RECOGNIZE THESE ACCOUNTS AND INQUIRIES, I HAVE NEVER APPLIED FOR THESE DEBT, WITH THESE COMPANIES I HAVE NO CONTRACTS OR AGREEMENTS WITH MY SIGNATURE.