davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-01
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: BARCLAYS BANK DELAWARE (TN)

On XX/XX/XXXX we purchased a service for pest control. But the company XXXX failed to contain the pest. We contacted XXXX several times over a three months period To have this issue resolved. But the company failed to show up in our house and complete the job. In addition to that XXXX also placed Unauthorized charge on XX/XX/XXXX. Before the first payment expired. We called XXXX And told them we did not recognize the transactions and we demanded A refund. XXXX was unwilling to refund the money or complete the job. As a result we disputed both transactions with Barclays. Also Barclays refused to credit the account and concluded that the merchant did not violate their agreement. While the fact is they have violated the agreement and also committed a fraud. Then we filed a complaint with the XXXX XXXX XXXX XXXX. After that XXXX refunded both the transaction back to the card. On the other hand Barclays refused to return the Money back to the original payment method or to send us a check. Then we filed a complaint with consumer financial protection bureau CFPB Against Barclays and demanded they return the money back to us. But instead of sending the money back to the original method of payment or sending a check to the address we provided they only responded with a letter That explains they have refunded the money. On the ground we have not received Our Money like they claimed on the letter. In XX/XX/XXXX I made Barclays aware Of the interest rate that They will incur Because of holding my money from most important life situations that I was facing. And by holding my dearly needed Money from use Barclays agreed to pay the interest rate of 9,900,000 %. Now I will like to collect all of my money with the interest rate Accumulated since the date of the closure of the account. Which is XX/XX/XXXX. If I do not receive my money within a reasonable time frame the consequences will be further more costly.
Consumer complaint received 2024-09-18
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

on or about XX/XX/year> in receivred a credit card that i applied for and i had it in my wallet i didnt activate it then i was taken to the hospital and then was taken to XXXX not until i was release i relized that i didnt have my wallet and what was in it. i went onto my email and it said that a charge was denied from this credit card so i called the card and was told that i activated the card and had charges on it. i told the company that i was in hospital and idk what they are doing about it.
Consumer complaint received 2022-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hi I am reaching out today XXXX, because of a deposit of a postal money order I made on XX/XX/XXXX. I deposited XXXX $ worth or money orders into my checking account. The money was to pay my rent which is due XXXX. The deposit was held for 7 business days due to an exception hold. I am not a new customer. I am in dire need of the funds or I will be evicted from my apartment. I spoke with representative XXXX in the deposit apartment at XXXX PT and informed him of my situation. His snark attitude threw me for a loop. He explained he can not help me with the hold. I asked nicely to speak with a supervisor with which I was met with disdain and an uncooperative attitude. I was told I would not be able to speak with a supervisor as they would reiterate what he said. XXXX cut me off while I was talking and was being rude. I threatened to call CFPB which motivated XXXX to get his supervisor on the line. I then spoke with XXXX, who is the floor supervisor. She advised me that due to being a XXXX, my postal money order was unable to be verified and the hold would remain for 7 business days. If I dont pay my rent by the XXXX I will be evicted and homeless. 

Is there anyway I can have access to my funds by the XXXX to pay rent? 

Thank you
Consumer complaint received 2022-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX & Account # XXXX, has violated my rights.

15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-10-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/22, I became aware of three fraudulent withdrawals from my checking account totaling {$11000.00}. The withdrawals took place on XX/XX/22 and XX/XX/22. I immediately froze my account ( I was in XXXX for medical treatment ) and filed an unauthorized ACH Return Form as directed by the BofA representative ( XXXX ). After hours of unsuccessful attempts by phone to resolve the problem ( previous number, and XXXX, XXXX, and XXXX ( XXXX XXXX who never returned several voice mail requests ) ), I halted my medical treatment and flew back to the US with the idea that I needed to address this problem with someone " in person ''. Once in the US, I was not referred to anyone, being told that there was no one at any branch who could help me and was given one of the above numbers and told to call and play the same " waste of time '' game. I am of the opinion that Bank of America has instituted a " policy '' which makes it all but impossible to satisfactorily resolve the loss of my money.
Consumer complaint received 2023-10-17
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Foursight Holding LLC (NM)

The following letter was sent to the company and Via Email on XX/XX/2023 and was responded to and told they cant help via email i already called and and tried to talk to XXXX and was treated very rudely and unprofessionally and told there was nothing he could do to help. 

Subject : Request for Early Termination of Auto Loan Due to XXXX XXXXXXXX Dear Sir/Madam, I hope this letter finds you well. I am writing to request your assistance with the early termination of my auto loan under my name, which I have with Four sight Capital. The reason for this request is a significant change in my circumstances. I am an active member of the United States XXXX XXXX, and I have recently received orders for XXXX XXXXXXXX to fulfill my duties. 

My XXXX is expected to last for an extended period, making it impossible for me to keep the vehicle financed under your company during this time. Unfortunately, due to the unique nature of my assignment, I am unable to bring the vehicle with me XXXX I understand that this is an unusual situation, and I would appreciate your understanding and cooperation in helping me resolve this matter. 

In light of the above, I kindly request the following : 1. Early Termination : I am requesting the early termination of my auto loan with Four Sight. I understand that there may be fees associated with this process, and I am willing to cover any reasonable costs so long as pre agreed upon.

2. Non-reporting to Credit Bureaus : Given my commitment to serving our country and the unexpected circumstances leading to this request, I kindly ask that my early termination and the associated financial arrangements not be reported to the credit bureaus. It is crucial for me to maintain my credit score as I will need it for various financial transactions during and after my XXXX to include my security clearance. 

3. Confirmation of Termination : I kindly request a written confirmation of the loan termination, including any final details and the acknowledgment of the non-reporting of this event to credit bureaus. 

I understand that my request might entail some work on your end, and I genuinely appreciate your assistance in accommodating my situation. I assure you that I am committed to fulfilling my obligations and responsibilities regarding this matter, including any financial arrangements that may be required. 

Please let me know if there are any forms or documents I need to complete to facilitate this process. You can reach me at XXXX for any further clarification or to discuss this matter in detail. 

I understand that your company has policies and procedures to follow, and I kindly request your understanding and cooperation during this challenging time in my life. Your assistance in resolving this matter promptly will be greatly appreciated. 

Thank you for your prompt attention to this request, and I look forward to your positive response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-11
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Advantage LNS Inc. (TX)

First and most importantly, NCAC never provided me notice of my rights to dispute the debt if I believed I did not owe it, that I could dispute the debt within 30 days of receiving their notice, etc. I have support to prove this. All that was listed was more and more ways to pay them. 

on XX/XX/2023 I was contacted by National Credit Audit Corp regarding rental debt in the amount of {$1900.00}. The charges alleged were primarily from electricity usage which I was not given proper support that I owed the debt, nor bills, meter number. This is not in adherence to Texas XXXX XXXX which regulates how these charges must be billed and what needs to be provided to tenants. They were also charges for lease contract specific items and I requested a copy of the contract to review but it was never provided. They did agree to remove a charge which was made in error, further proving they negligence in properly billing. Just because you put someones name on paper and add charges doesnt make them legitimate. They never provided any support.
Consumer complaint received 2022-10-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NY)

PHH Mortgage ServicesXXXX XXXX XXXX XXXX XXXX To whom it may concern, upon running title on XXXX XXXX XXXX XXXX XXXX XXXX XXXX it has been brought to my attention that XXXX XXXX XXXX PHH Mortgage Services has never had ownership or assignment of the current Mortgage or Note on this property in XXXX XXXXXXXX XXXX and has been collecting and servicing this loan. I also have ownership on this property, XXXX XXXX Attached is XXXX XXXX legal guardians ' authorization, title search, court ordered guardianship for children and authorization for me to discuss this issue with your legal department ASAP. XXXX XXXX. 
PHH / XXXX XXXX said in first complaint they did not have these items as well as numerous attempts to send these documents to them have been ignored. Trying to sell this mortgage, note could be considered fraud in concealment. Hopefully they can address this issue now.
Consumer complaint received 2022-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY (SC)

I received an offer to open an account with TD bank and opened the account in XXXX of XXXX. In order for the account to not incur fees I needed to maintain a minimum of XXXX between checking and savings. I met this requirement with my initial deposit and was also informed even though it would take a few days for funds to show no account fees would be charged the first 40 days after account opened. 

I was charged a fee the first month the account was opened. I called and agent reversed the fee. I asked her to check account to make sure I was meeting all requirements and she said I was and couldnt determine why I was charged a fee. 

I told her there could be a broader issue and fees are incorrectly being charged to more than just my account. Its unlikely this is a one off. But she assured me it was and I should t be charged a fee again. I am reaching out to the cfpb because I was charged a fee again despite meeting all requirements to be a no fee account and I do believe this fee is incorrectly being charged to multiple accounts and TD is only crediting customers that call.
Consumer complaint received 2022-10-01
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I am a wildfire victim of the Paradise Campfire in 2018. 
I received my XXXX lawsuit settlement check XX/XX/XXXX and used XXXX, XXXX, XXXX aka XXXXXXXX XXXX XXXXXXXX XXXX. They used a company name XXXX to cut the checks, whose bank is XXXX XXXX, per the attorneys letter to me. 
My bank is Chase, which is where we deposited the check. They put a restriction on my entire checking account, because they had to verify the check I pushed and said I understand verifying the check, but why restrict my account? They said that is just their process. Which other victims has XXXX issues regarding this. 
Chase says they can not verify with XXXX in their system, and that they wont take an incoming call from XXXX because it could be anyone calling in as XXXX they said. So I had multiple people from Chase try calling the bank the check funds are coming from ( XXXX ), they were able to verify them just fine, but at that time XXXX said they needed a verified list of checks cut from XXXX. So I called XXXX and let them know if they can just do that, then Chase could verify with XXXX. A week later of nothing being able to be done, XXXX called me on XX/XX/XXXX Thursday morning, saying they received what they needed from XXXX and to have Chase call to verify. So I did just that, but this time the lady, and her supervisor told me now they can not call XXXX to verify, after I had multiple people do it in the week from Chase and they had no issue. And again they will not take a call from anyone or let me 3 way call to clear it up. 
The Attorneys also got paid $ XXXX from me alone, and have not helped me at all with this issue. 

At this time due to the 10 day hold that now I was told cleared, my funds are now being held in XXXX account, so how did they in fact receive funds from a bank or trust they could not verify? And they told me they are closing my account by XX/XX/XXXX. I am going to get an attorney and sue Chase at this point for damages, because my credit is now affected by not being able to pay on time, they withheld our normal paychecks, power can be shut off if not paid and everything else.
Consumer complaint received 2022-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (WA)

My father passed away XXXX of this year in XXXX and left me an inheritance. I currently reside in XXXX XXXX. We ( me and my XXXX other siblings ) decided to sell gold he had through an auction house called XXXX XXXX XXXX, or XXXX XXXX, which is based in XXXX XXXXXXXX XXXX  The auction sent me a written check in the amount of {$180000.00}. 

I went into a Chase bank branch on XXXX to deposit this check. I opened a new account at this time. I provided proper identification and got a receipt from the deposit showing the date the funds would be available for use was XXXX. Early morning of XXXX the funds showed up in my checking account as " available for use ''. 

I then tried to pay off some bills using my debit card but it was declined and I was told to contact Chase bank. When I called them they informed me my account was under suspension and I needed to provide them with a verified phone number from the company who issued the check. I provided two phone numbers but was told neither of them were on their verified phone number list so they couldn't help me. I asked what my next step is but was told unless I provided a phone number they would not unsuspend my account and it will be closed. 

I decided to go into a branch and speak to someone in person. I was told pretty much the same thing. The banker told me to try and contact the auction house to attempt to find another phone number, have them try to recall the funds, or the CEO of that company would have to come into the bank with me ( which is unreasonable ). 

I called the auction company and spoke with Vice president, XXXX XXXX, and he said since the funds actually left their account on XXXX he is unsure how to help me. He said in the 48 years he has been in business this has never happened before. He also confirmed the two phone numbers I had for him are the only numbers associated with the auction company. 

I called Chase again and asked to speak to a supervisor or someone higher up. She told me the same thing, that they need a verified phone number or my money will be in limbo indefinitely. She informed me that the suspension actually started on XXXX and that my account will be permanently closed on XXXX and the funds will remain suspended until I am able to prove the legitimacy of the check through a company phone number. I asked if it was possible for them to call the auctions bank and verify these funds were meant to be sent to me. I was told they can't do that. When I asked why she refused to give me a reason and continued to tell me I needed to provide a verified phone number. 

They are effectively tying my hands behind my back and telling me to figure it out while keeping my money from me. The check has cleared, I see it in my account, and they are withholding it from me and not doing anything to help me solve this. 

Attached document has what I have found that proves the legitimacy of XXXX XXXX XXXX. When I offered these up to Chase they refused.
Consumer complaint received 2022-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

On XX/XX/2022 my USAA checking account was hacked 3 times. XXXX. {$500.00} Debit card purchase of crypto currency from XXXX. XXXX. {$500.00} ACH withdrawal XXXX XXXX. XXXX. {$1100.00} ACH withdrawal to purchase crypto currency from XXXX. 
I did not authorize any of these transactions and I was not notified that they were taking place. 
USAA has reimbursed the XXXX withdrawal but they will not reimburse the debit card hack of {$500.00} or the ACH hack of {$1100.00}. 
USAA claims that they notified me by text that the transactions were taking place. I do not have any text dated XX/XX/2022 from them regarding these transactions. 
USAA claims they researched my claim and they concluded that I had authorized these transactions. I did not. A sophisticated hacker used my identity.
Consumer complaint received 2022-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the fair Credit Reporting Act. This creditor has violated my rights under 15 USC 1681 section 602. states i have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not funish an account without my written instructions under 15 USC1666b a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for an purpose.
Consumer complaint received 2022-10-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc (TX)

VENMO has not provided the services advertised regarding cash app money transfers. Everyday I call VENMO to question why my transaction has not posted according to their disclosed time frame of instant transfer and up to three days for standard transfer. It appears they have issues regarding what is considered normal customary transactions vs questionable transactions??? The problem now is they have again blocked my account from allowing instant transfers. I tried to do an instant transfer to my bank, as I have done many times over the past year, and discovered instant transfers were disabled. It was their recommendation to test a standard transfer and once complete, it was possible instant transfers might start working again. The standard transfer was successful and only took one day for the transaction to be completed. Knowing I had to get the remaining money from my VENMO account transferred to my checking account to cover an upcoming mortgage payment, I submitted a standard transfer which was disclosed to occur within three days. A week later the funds did not transfer. They are being withheld by VENMO for no reason, especially having same type transfers occur in the past, for much larger amounts. All VENMO can say is " we are sorry for the inconvenience ''. This issue caused my mortgage payment to be returned because funds initiated for transfer over a eek ago did not process because VENMO blocked the transaction. I have called them everyday and still nothing they can say or do to tell my why they did not transfer the funds??? This has caused an extreme financial hardship because I have been charged a late fee for my mortgage payment and a 30 day late payment reported to the credit bureau. If VENMO would have completed the transfer as disclosed, I would not be having this issue.
Consumer complaint received 2022-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (CA)

In accordance with the fair Credit Reporting Act. This creditor has violated my rights under 15 USC 1681 section 602. states i have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not funish an account without my written instructions under 15 USC1666b a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for an purpose.
Consumer complaint received 2022-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Im accordance for federal credit report act this creditor has violated my rights under 15.usc1681 on Section602 states I have the right to privacy 15usc1681 Section604 Section2 it also says consumer report agency can not furnish an account without my instructions 15.usc1666b a creditor can not treat a payment of credit card account under an open and consumer as late of any purpose.
Consumer complaint received 2022-10-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Grain Technology, Inc. (TN)

I have sent requests in writing repeatedly for this company to remove the automatic payments. They send me an auto message that says they will get back to me within two business days. 
I never get a response. 
I have worked with my back and issued a stop payment. The company just changed the amount and sends it back. 
I get repeated emails saying my bank account is no longer associated then I get another right behind it saying its successfully added and they charge me again.