davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (CO)

This is a follow-up to complaint, XXXX. It appears that not only did the company have a severe security breach but when I filed the first complaint they did not update my information from the complaint form and used an address that I have not lived at in almost 5 years, so they further caused harm to my personal security by sending personal information to an old address. I never knew that they had replied to my complaint because they did not send the information to my correct address that was provided in the complaint and there was no notification sent via email that they had replied. 
In their reply they say they have offered 2 years of credit monitoring. First off, they have not supplied the information on the credit monitoring and in this world of criminal activity 2 years is not enough time to supply credit monitoring. So they have lied to a Federal regulatory agency. If they sent it to my old address then that is yet another form of negligence on their part. They should supply a lifetime of credit monitoring. 
Second, they say they are required to keep the account information. That is true, but they are not required to keep former customer data on easily accessible servers like they did. I asked for a complete and full understanding of what was done and what was done to protect my information and they did not supply that. I would prefer not to have to sue to get this information. As I noted they say they have supplied credit monitoring but have not actually supplied this information to a correct address. 
Since my complaint went to them and I provided a correct address they should have updated their records and not be sending personal information to an old and incorrect address. They either received the mail back notifying them of the incorrect address or did not send it in a way that would get that information. Again complete negligence on the part of the company. I hereby request all information that they allegedly replied with in their response be sent to the correct address and they completely update their records and remove all old incorrect addresses so they can not make this mistake again. I shouldn't be required to live at XXXX address for a lifetime just in case a company is incompetent and allows bad actors to access my information. In fact there should be a far bigger penalty to any organization that is negligent with a customer 's information.
Consumer complaint received 2024-02-27
Product: Credit 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: CITIBANK, N.A. (NJ)

On XX/XX/2024 I tried to make a purchase on a merchant website with my citi Costco credit card, I made the purchase on the website and my card got charged XXXX mins later I received an email saying my order could not be processed and it got cancelled, the email says I will receive my ful refund since they cancelled my order, however after waiting several days I never received my refund, so I reached out to my credit card provider Costco Anywhere Visa Card by Citi I requested them to file a dispute to see why I havent received my refund since the company cancelled my order & said my refund was issued. After sever days of the dispute being open Costco Anywhere Visa Card by Citi keep asking me for documents which I promptly keep providing that clearly shows the merchant is the one who canceled my order & never delivered anything to me. Yet Costco Anywhere Visa Card by Citi went ahead and close this dispute based on false documents provided by the merchant, the merchant told Costco Anywhere Visa Card by Citi that Im the one who requested to cancel the order & they dont accept cancellation which is completely false information. This cancellation was done by the merchant which all my evidence provided clearly shows that the merchant canceled my order and should provide me my full refund!
Consumer complaint received 2024-02-27
Product: Credit 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. (NY)

Hello. I want to open a dispute for the {$1500.00} charge from XXXX XXXX on XX/XX/23. 
On XX/XX/23 I booked a ticket on this website XXXX for {$1000.00}. Im attaching a copy of the email confirmation showing this final total. 
A few minutes later I called in to get my airline confirmation code, and I was told this : outgoing flight has been confirmed but returning flight not. So I asked them to cancel and refund in full and they told me they cant. And they gave me 2 options. 1 : they can give me a refund for return flight only and only for {$190.00}, or I can pay them another {$500.00} and they will confirm my return flight. I pleated and begged and cried to them not to do this, I told them that I want to cancel and be refunded in full, but they did not allow and forced me and charged me {$1500.00}. 
I also told them at the time that I CAN GET this same ticked on other sites for {$1300.00} and Im willing to okay up to that amount but not {$1500.00}, and again no luck with them. 
Therefore, I want to dispute this charge, really I wanted to dispute the full {$500.00}, but Im ready to dispute just {$200.00} to reach a total of {$1300.00} ( the real ticket amount- see attached ). 
Please call or email me with any questions. 
XXXX XXXX XXXX chase Is not accepting this dispute and is siding with the merchant that called and threatened me as well.
Consumer complaint received 2024-02-28
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (OR)

I was out of the country and I saw that my credit card account closed. Someone XXXX closed my account due to much fraud in a short amount of time. Which is true, Ive lost my card a couple times and I lost my wallet before I left the country. This individual completely destroyed my credit, now I am completely unable to apply for anymore credit cards due to discrimination. This employee XXXX is somehow unable to verify me or my account when I call. So he wants me to call another number to have me transferred to him or go into a brand. On top of that I have 0 liability for fraud charges. When I called to report the fraud that happened I was explicitly told I am not responsible. Somehow this guy XXXX things I benefited from a charge and now my closed account has a balance of {$1500.00}. Now my credit card report says I used more than 30 % of my balance. So they ruined my credit even more. I am unable to talk to anything at chase, they wont help me. I want absolutely no contact with this person. As I am frustrated. This is my first credit card. I am XXXX trying to build my credit and I got completed screwed and am being treated like XXXX by chase bank. This is unacceptable and illegal. I am not liable for fraud charges from a stolen card.
Consumer complaint received 2024-02-28
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: TransferWise Ltd ()

Hi I was running my bank account on wise for 2 year and then I got suddenly an email that my account got deactivated.i talk to customer support and and also made a complain about it .a I asked them to refund my amount available in account and they did it but sent me half amount. wise refund me only the amount which was available at that time my account but not a pending transaction which was hold by wise of XXXX USD and when I saw this transaction is not being made than I putted a cancellation request.i talked to customer support and they told me that they have started processing cancellation request and when I received my refund from wise which was available in my account but not that XXXX, I talked to customer support again and they told me that they refunded XXXX back to my deactivated account and asked me to provide any other bank details to refund that amount in it .I did same but now it has been almost 2 months still I didn't receive the amount.and today I got an email in response of a complain I do made with wise .they said they can't reopen my account and also they have sent back me my amount and also offerd XXXX GBP compensation for late refund. 


1.But my complaint is where is my XXXX dollars now and when I will receive them as wise giving me no response about any time 2. also how could they close my account without telling me even a single reason 3.why is offering me only XXXX GBP for the late refund compensation They should also make compensation for my XXXX USD toooo late refund to my account And also should send me my XXXX dollars plus XXXX GBP for previous refund and XXXX GBP for this XXXX dollars too late send compensation. 

I would like CFPB to investigate my matters at urjeeeeent
Consumer complaint received 2024-02-28
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: I.C. System, Inc. (OH)

I noticed I had a collection debt for a XXXX medical bill, so I called XXXX XXXX XXXXXXXX to dispute and was told by a representative they were not in charge of the collection anymore because of the age of the report, and provided me with a phone number to call a separate business to dispute. I then called the provided number with the intention to set up a payment plan to pay off a debt in order to improve my credit. I have reason to believe I was guided and directed by said person through a fraudulent process with intent to confuse and manipulate me for personal gain/conduct a scam. I have proof identifying the collection agency number I called, as being an anonymous VOIP number, as well as documented proof of attempted transactions to my bank account.
Consumer complaint received 2024-02-28
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

I have a balance of {$67.00} with Amazon Credit Card handled by Synchrony Bank. 
In the XX/XX/2024 Statement I reviewed today This company is fined me with a Late Fee of {$29.00} as XX/XX/2024. I called Synchrony Bank. I spoke with their Customer Service to have remove the Late Fee because I didn't receive the XXXX Monthly Statement on time, I ended up talking to Account manager XXXX with employee Number XXXX XXXXXXXX, She denied me to remove the Late Fee, even with the explanation given Saying perhaps the email I sent went to my Spam Folder, I couldn't see the Monthly Statement Reason Enough I couldn't make the payment on Time and Requested her to have the monthly Statement be sent by regular mail. Synchrony employee tried to keep me enroll it in the electronic statement, I refused her offering, I told her I had in the past some issues in the past with another creditor with the e-statement. 
So since The Account manager XXXX Denied me to remove the late fee of {$29.00} I advised her I would escalate this issue with her corporate Company and the federal Agency to let them know in what way This Financial Company operates charging late fees even if consumers are not aware of the monthly statement received by email.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XX/XX/XXXX Last 4 of SSN : XXXX Date : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Formal Dispute Immediate Removal of Inaccurate Late Payments ( XX/XX/XXXX, XX/XX/XXXX ) on Account # XXXX Due to FCRA Violations and Breach of Arbitration Agreement by Furnisher ( XXXXXXXX XXXX XXXX XXXX. ) Dear TransUnion XXXX XXXX, This letter serves as a formal dispute regarding the inaccurate reporting of late payments for XX/XX/XXXX and XX/XX/XXXX on my account ( # XXXX ) with XXXX XXXX XXXX. XXXX XXXX XXXX  has violated the Fair Credit Reporting Act ( FCRA ) as well as breached its own arbitration agreement by reporting these late payments without resolving the matter through arbitration, as required by our contract. 

As a credit reporting agency, you are obligated under 15 U.S.C. 1681e ( b ) to ensure maximum accuracy when including information on consumer credit reports. In this case, the late payments in question were inaccurately reported due to XXXX XXXX XXXX violation of federal law and contract terms. By allowing these late payments to remain on my credit report, you are failing to meet your legal obligation to verify the accuracy of reported information. 

FCRA Violations Under 15 U.S.C. 1681s-2 ( b ), once I have disputed this information, you are required to investigate the accuracy of the reported data. XXXX XXXX XXXX, as the furnisher of this incorrect information, is in direct violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) for knowingly reporting inaccurate late payments. I have already notified XXXX XXXX XXXX  of these violations and their breach of our arbitration agreement, which is public information, yet the inaccurate information remains on my credit report, causing ongoing damage to my credit profile. 

Breach of Arbitration Agreement by XXXX XXXX XXXX  In addition to the FCRA violations, XXXX XXXX XXXX  has breached its arbitration agreement by reporting these disputed late payments without resolving the matter through arbitration, which is explicitly required by the terms of our agreement. This breach directly undermines the dispute resolution process agreed upon and further invalidates the accuracy of the late payment reports. 

By continuing to report these late payments, XXXX XXXX XXXX, TransUnion and XXXX are exposing yourselves to liability under the FCRA, and you are complicit in the ongoing harm caused by this inaccurate reporting.
Consumer complaint received 2024-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (TN)

On XX/XX/21 my phone and accounts were compromised by a scammer who withdrew the following from my bank account {$2400.00} {$2200.00} {$2100.00} {$2000.00} And transfered it all to XXXX XXXX unlinked my account and moved all of my money to other debt cards. I contacted my bank in the moment it was as happening and they said they could do nothing until the transactions cleared. I reached out to XXXX XXXX  as well in real time alerting them that someone was actively stealing money from my account, they did nothing as well and then denied my claim. 

I need help and protection from these crooked companies who refuse to be accountable for there services and institutions. Ive done everything the FDIC said I should do for my money to be insured yet, my bank is denying the refunds.
Consumer complaint received 2024-02-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Financial Assistance Inc (WA)

XXXX XXXXXXXX has specific laws governing debt collection practices, and if a collection agency is not allowed to collect debts in XXXX XXXX you can refer to the Fair Debt Collection Practices Act ( FDCPA ). The FDCPA is a federal law that outlines the rules and regulations that debt collectors must follow when collecting debts. Under the FDCPA, debt collectors are prohibited from engaging in abusive, deceptive, or unfair practices when attempting to collect a debt. If a collection agency is not allowed to collect debts in XXXX XXXXXXXX, they may be in violation of the FDCPA. You can file a complaint with the Consumer Financial Protection Bureau ( CFPB ) or seek legal action against the collection agency for violating the FDCPA. They are not authorized or licensed to collect in XXXX XXXX
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Reliant Capital Solutions, LLC (IL)

I am facing a distressing situation of identity theft with unauthorized accounts, notably a charge-off linked to XXXX on my XXXX credit report. I want to emphasize my lack of involvement in any transactions with this company. Despite persistent efforts, no conclusive evidence validating this account has been provided. Furthermore, XXXX appears to disregard my concerns despite disputes and a detailed police report. The XXXX XXXX XXXX exacerbates the situation, resulting in more fraudulent accounts opened in my name. Additionally, Reliant Capital Solution pursues a debt related to the XXXX account , which I do not owe. I have attached requested documents, including a police report and FTC report highlighting fraudulent accounts, after initially providing them.
Consumer complaint received 2024-03-06
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: MoneyLion Inc. (NY)

XXXX approved for {$130.00} however XXXX only allow to take it out in increments with an {$8.00} fee attached to each withdrawal meaning I have to withdraw 2 times to get the {$130.00} XXXX approved for which I turn i have To pay cash out fees for each transaction totaling up to nearly XXXX dollars just to take out {$130.00} making my repayment amount to the company {$150.00} not to mention they encourage you to tip so u can get higher approval amounts it just seems like a scam. If XXXX allow to take the {$130.00} XXXX approved for why do i have To withdraw it in XXXX separate transactions with fees associated with each withdrawal
Consumer complaint received 2024-03-06
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (AR)

XX/XX/2023 I called and asked why all my loans were not there. I still had two loans with XXXX and the rest consolidated with Mohela. I was told the ones at XXXX was a spousal and they couldnt be moved even though my husbands loans were paid off. I said ok, I still need to lower my payments because I pay XXXX, XXXX, and XXXX a month in student loans. We worked on the phone and they said they could lower my payments to XXXX. I said ok. Then they put me on administrative holds. They took one payment out of my account, Then I noticed my bill went to XXXX, I called and said that was not the payment that was given to me and then they put my account on administrative hold again. They still have not confirmed my employment. I have turned in all my papers with student gov. I keep getting the run around and it has been stressful. I have XXXX  XXXX XXXX XXXX and my XXXX XXXX XXXX XXXX XXXX due to bullying. I will pay my loans, but I would like a payment I can afford. For over 10 years all that has happened is my payments go up due to interest. I worked the XXXX during XXXX  and continuing to serve in a XXXX XXXX. Mohela is doing borrowers wrong and causing mental health on the American Citizens.
Consumer complaint received 2024-03-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

Please see attached XXXX pages of evidence and documentation to Bank of America in regards to XXXX Bank of America submitted XXXX pages of evidence and spoke to several supervisors in the fraud /billing disputes departments about evidence to include a stolen UPS XXXX number and my XXXX Account was hacked and compromised on XX/XX/2023. 

XXXX Dispute turned into a billing dispute/denied provisional credit {$4600.00} -Submitted evidence from phone records, reporting the incident unauthorized transaction to XXXX and BOA in which XXXX blatantly refused to investigate or refund the unauthorized transaction before hacker uploaded stolen tUPS tracking # which later shows delivered to XXXX XXXX who is not me. XXXX and BOA refused to investigate XXXX tracking # and BOA refusing to take action against XXXX by refunding the disputed amount {$4600.00} Spoke to several supervisors at BOA XXXX and XXXX XXXX under my claim # Spoke to XXXX XXXX and was promised a refund, customer service several times see phone records when I called in. 





XXXX BOA # Billing/Fraud dispute department XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Texas, XXXX
Consumer complaint received 2024-03-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc (CA)

I transferred funds via ACH from my XXXX XXXX  account to my Chime account. They told me that Chime had my account frozen pending verification so I verified my account with Chime and they accepted it and return the funds back to XXXX on XX/XX/2024 on XX/XX/2024 XXXX XXXX  close my account as planned but before they did, they sent the funds back to Chime There were two transfers for {$2900.00} and {$2900.00}. This money was deducted from my XXXX XXXX account. The trace ID number for this transfer is XXXX. Chime is claiming to have no record of this. This also happened back on XX/XX/XXXX for a total of 52 transactions of mounting to a little over {$2500.00}. They claimed that the funds were sent back unpaid which is untrue because youre not able to even initiate an ACH transfer on Chime or through XXXX unless the funds are there and they have the funds and they have them pending with a postdate and then they just disappeared.