davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (CA)

Opened an account at Chase Bank on XX/XX/2019. Received a letter from chase XX/XX/2019 theyre closing the account. Attempted to get an answer, they just stated the information they received from credit reporting agency XXXX. I check XXXX  and there is nothing on my file.
Consumer complaint received 2020-12-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc (VA)

This is not a duplicate complaint, but I filed a complaint here, requesting to be contacted by PayPal Support. I have attempted multiple times to use their 'Message Us ' option provided on the website, but it does not allow me to ask a specific question, and so there is no way to leave a message there. I could not find an Email address to attempt contact that way. If I call the number provided, no human beings answer, and it is just an automated recording telling me there is nobody to help me, and then hanging up. 
From what I have gathered fro others, leaving a message on either XXXX, or XXXX, never gets a response. So, I am at a loss of how to contact PayPal Support, if there is any way to reach a live PayPal agent anymore.
Consumer complaint received 2020-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX  AND XXXX XXXX XXXX should not be reporting to Equifax ; XXXX and XXXX inquiries on my credit report. ( Please see page attached. ) I only gave permission for a soft pull, and I was assured by the agent, that only a soft pull would be submitted. Unfortunately, right after the soft pull was submitted the agent submitted a hard pull credit report request. Consequently, these multiple inquiries are now appearing on my credit report. I have attached ( XXXX ) emails for reference. The first email dated XX/XX/2020 clearly shows I only gave permission for a soft pull. The second email dated XX/XX/2020 is correspondence I received back wherein the agent acknowledged that a hard pull was submitted shortly after the soft pull was submitted. The agent stated in this email that it appears to me that my inquiry for the hard pull credit report had no impact on your scores. This statement is not true. Multiple inquiries, in fact, do harm your credit score and I request that these inquiries be removed from my credit report. I have contacted XXXX XXXX as well as the bureaus to have these inquires removed however, I have not been successful.
Consumer complaint received 2021-01-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (GA)

I sent {$300.00} to my son on XX/XX/2020 through Paypal. My sin never received the money in his account, but it was withdrawn from my bank. I sent another XXXX to him through another email that went through and he received. 

I have messaged, emailed and written 3 letters to Paypal. I have called Paypal but get a message saying they are too busy and it hangs up. Paypal will only tell me the money was sent, but not where it is. My son has checked both his Paypal and bank accounts and the money was never received by him. 

I am trying to get the money back, but Paypal has been less than helpful in resolving this issue.
Consumer complaint received 2020-06-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Dunlap Gardiner LLP (GA)

Dunlap Gardiner LLP has violated my rights as a federally protected consumer. Dunlap Gardiner is in violation of 15 usc 1692. I have outlined their violations in the attached documentation. I am. invoking my specified remedy as a federally protected consumer I am demanding a deletion /dismissal, and monetary compensation for each violation Pursuant to 15 USC 1692k. And garnished funds returned
Consumer complaint received 2020-06-14
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: EQUIFAX, INC. (TX)

My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and don't care who's credit or lives they impact.
Consumer complaint received 2020-06-13
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: WELLS FARGO & COMPANY (CA)

I received a letter from wells fargo bank, it was about wells fargo account by my name and my address on the letter, that account I did not open, it informs me about checks deposited to or cashed against the account suspected to be counterfeit. 
Wells fargo did identity deft, fraud, opened an account by my name, and deposited counterfeit ( fake ) check to that fake account. I called them immediately after I received the letter and told them that I did not do that, I asked the operator to tell me about this identity deft, fraud, and they told me that it was done online, I asked them to provide me about who did that or from which direction it is coming from, so I can do my part of security measures to avoid further happening or attempts of identity deft, fraud, by my name, they did not provide me anymore of how did that happened, this is a big concern for me, this can harm my financial status. I keep my documents in private, only I have access to them, nobody else has access to them, and my electronic information protected by a password.
Consumer complaint received 2020-08-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: N26 Inc. (TX)

Today XX/XX/XXXX, around XXXX I was shopping with my N26 credit card which a product of XXXX XXXX and was shortly advised my card was declined. I proceeded to contact the bank via email, chat as well as over the phone. All communication platforms I was being hung up on over the phone, chats were ended and I was on hold and then told " we can not assist you at this time, and have no information for you. '' the total amount in this account is {$2700.00} XXXX. I do receive small deposits into this account. I learned later that my telephone number was blocked and general message populated which stated " We can not assist you, wait for us to contact you '' and the line disconnected again. I did do some research Online with this bank and found out under their XXXX accounts that there are hundreds of the exact consumer complaints of their accounts being frozen and never seeing their money again.
Consumer complaint received 2021-01-05
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. (TX)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-08-28
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. (AZ)

XXXX XXXX 's is reporting a charged off account on my credit report for an authorized user account. I was not liable for this account and I demand it gets removed. I have sent credit bureau dispute letters and they are still reporting it on XXXX XXXX and Equifax. XXXX has corrected it. Thank you, XXXX.
Consumer complaint received 2020-08-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NV)

I have a PayPal account and on XX/XX/XXXX my son had his backpay for unemployment deposited into my PayPal. XXXX PayPal accepted this deposit then limit my account so I could not touch this money nor could my son who is also on my PayPal account. They sent me a thing to fill out asking how I got the money what did I sell to get the money they wanted receipts and so on my iD I provided them with what I was able to my ID so on I didn't have a receipt because I didn't sell anything I explained to them it was back pay for unemployment. Well they decided that I could no longer do business with them but I could not close my account and that I would not have access to my funds for 180 days in case if charge backs well I don't sell anything with my PayPal so there is no way of charge backs. This money we waited on for months about to lose everything. And once the money came we couldn't touch it. If it was AGANIST there user aggrement then why did they accept the deposit.
Consumer complaint received 2020-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Neon Newco Corporation (CA)

On XX/XX/XXXX I opened mail received from Netspend Corporation ( All-Access by XXXX ) that I never heard of or had prior business with. Inside was an actual Debit card from their corp. and it included deposit/debit/credit policies asking me to activate their CARD. There is NO live body to speak to in order to obtain information, cancel all contact, and/or ensure they will not attempt to contact me again. Nobody answers phone no. provided. The ph. no. is only a recorded message asking a person to input CARD NUMBER! I will NOT! I don't know who these people are! Total SCAM Possible! duh!!! This Organization, Corporation, whatever they actually are should not be allowed to do this. If they wish to " market, advertise, solicit '' people they should do so with complete and honest TRANSPARENCY. I called the number provided and could not leave a message. The PHONE RECORDING only asked CALLER to provided the CARD NUMBER if they wish to Opt Out?!!! No way! Then they have my card, name, addr, phone, etc. and I do NOT know WHO They Are! The mailer correspondence provided a email address but again in order to cancel they ( whoever THEY are?? ) want the card number that also includes MY NAME!!! Absolutely NOT! This should be an illegal act if it isn't already. This is NOT Safe! I do not want this or any relationship with this company and now you couldn't pay me to associate with them. I'm passing this info around social media so I  do hope someone at YOUR Firm takes corrective action immediately.
Consumer complaint received 2020-08-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC. (FL)

On XX/XX/2020, I received a text notification from my Robinhood app stating that a bank account was added to my account. Since I didn't add it, I emailed robinhood support to notify them. About an hour later, I received a series of messages notifying me that my stocks were being cashed out! I emailed Robin hood again to let them know that my account was hacked. In total, I've lost close to {$1000.00}. I have not been able to sign into my account since it was compromised. Since Robinhood do not have a phone number for customer service, I've emailed them XX/XX/XXXX, XXXX, and XXXX. They have yet to respond to this matter.
Consumer complaint received 2020-08-28
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: JPMORGAN CHASE & CO. (NJ)

I purchased a trip and paid in full with XXXX  on XX/XX/XXXX for {$5300.00} for a trip to XXXX using my Chase visa card, which I paid in full when I received my statement. I went on the trip without any problems. However, this was also when the entire country went into lockdown due to the pandemic for Covid-19. XXXX unbeknownst to me also closed down. On XX/XX/XXXX, I was charged on another credit card I left for incidentals at the resort for {$3100.00} with no authorization. I tried unsuccessfully to dispute this charge but was told I need to dispute it with my original credit card. The resort also had closed down 3 days after we left due to the pandemic. I tried unsuccessfully to reach them for weeks. Months later I was able to contact someonet through friends my daughter met at the resort who put me in touch with a manager and I was informed that XXXX had closed operations and had not paid the resort for my trip and that is why they had charged my credit card. I have now paid for this trip twice. XXXX has not delivered the services I paid for and Chase has closed my dispute in their favor without providing any proof whatsoever that they have provided proof of services rendered. 

I would like my credit card charges reversed for these charges in dispute. I have provided the emails from the resort, my original payment, payment in full to Chase, and the second charge to my account from the resort because XXXX  to did not pay them.
Consumer complaint received 2017-06-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (IA)

AFNI INC d id not notify me of this debt at any time. The debt appeared on my credit report as being or an amount due to   XXXX   I have contacted  XXXX  who advised me that they do not have any record of any past due unpaid debt with  XXXX . They were able to access my records and they advised that my  XXXX  service was part of a service they provided to me as a package bundled with  XXXX  internet service and as such my contract was with  XXXX  and all billing was done through  XXXX .   I have contacted  XXXX  who have advised that they have no record of me currently having any unpaid past due debt. I previously had an unpaid balance due from when the  XXXX / XXXX  bundle was provided that had been passed to another collection agency and that was paid in full in  2016.
Consumer complaint received 2019-09-17
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: JPMORGAN CHASE & CO. (NY)

XXXX XXXX CEO of Chase Bank has been notified that Chase Band and three of its reps with phone numbers ID, then personal IDS have notified the XXXX XXXX Police Department, XXXX XXXX, NY XXXX, information available only to me or my Doctor under HIPPA Law. The rep was identified and the phone number was identified as belonging to the fraud department and ID theft I have been pursuing for one year. 

It contained information that does not appear in my HIPPA file and has been verified that Chase Bank was the caller, identified positively and broke the HIPPA Laws in entirety. The police asked questions loudly on my porch and lawn, was 10 and 1/2 hours  after an email was rectified and not only filed a false police report but a federal report all felonies. 

Two days later, Chase Bank as reported to XXXX XXXX, CEO of  Chase bank that another employee reported false information to a federal agency whose help I depend on and reported to XXXX false information as real from a HIPPA file which it doesnt contain. One day later, a thrive false report was submitted to Adult Protection Services, another federal agency which was not in my HIPPA report, lies and made up causing to federal workers to  show up on my doorstep with false HIPPA information, illegal to read, illegal to report as fact, lies. These are all Federal charges with multiple felonies, Extremely high fines and federal sentences for XXXX XXXX CEO of Chase Bank for obtaining, reading, co-operating with the calls of filling a false police report on federal matter, co-operating with the same penalties and lies to XXXX and co-operation with filing a false report to a federal agency, XXXX. XXXX XXXX, CEO of Chase Bank also filed a false report, has possession of my HIPPA files and has lied to another Federal Agency, Adult Protection Agency which are lies because I have been fighting Chase and five other banks that my ID was stolen, denying all as fraud and constantly across five banks and three reporting agencies has been held down and suppress even though I supplied where to find him, where his buiness and everything I uncovered which has been ignored or worse not acted upon by all 11 agencies, bands, credit card fraud, ATM cash fraud, police report filed, FTC filed, Consumer Reports filed and nothing has been done. XXXX XXXX was my tax attorney, his words, tax preparer who filed my 2018 tax claims in XXXX of 2018, charging my cards with fees, payments, fines, fees for XXXX   Advisors, two locations he managers, still is preparing taxes.
Consumer complaint received 2016-09-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (NY)

I have tried repeatedly to obtain a mortgage modification from Ocwen, my mortgage servicing company. They have never offered any reduction in principal, have done their appraisal on the wrong house, and have denied me with no reason given. This is a short version of the ongoing ordeal. Giving up on a modification, I have been trying to do a Deed in Lieu for the last 9 months, with them dangling the promise of a relocation fee. They have delayed and goven me erroneous info over and over again, and have already forced me to reapply once because time had expired, even though the delay was due to actions on their part. Now a further reapply is about to occur, again because of erroneous info provided by them. It is maddening to deal with this company. I am certainly at fault for being behind in my payments on my mortgage, but it is them who have caused me to be so far behind with fees and charges and months and months and months of applying and being rejected for program after program, often with no reason given, and based on erroneous info provided by them. I have no idea if they are proceeding with foreclosure or not. I just want to resolve this issue. It is driving me crazy dealing with these incompetent, inconsistent people. One person tells me one thing and another tells me something else. Please help me if you can and tell me what I can do to deal with Ocwen and resolve the status of my home. This is certainly a short version of what has gone on over the last 3 years. 

Thank You XXXX XXXX XXXX
Consumer complaint received 2020-10-28
Product: Credit card or prepaid 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: SYNCHRONY FINANCIAL (NY)

Yesterday, XX/XX/XXXX a charge appears for {$280.00} yet I made no purchase yesterday. So I call them and as they are explaining to me what happened they hung up on me. I call back and speak to a XXXX who says they can't get details about the charge so I say why did the earlier rep have ability to access it. So I ask for a supervisor and none is available. So they waste an hour of my time and I have no more info. What a XXXX company.
Consumer complaint received 2020-01-14
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LoanCare, LLC (FL)

XXXX/LoanCare sent a mortgage statement including an unpaid fee of {$XXXX}. I contacted them and talked to XXXX ( XXXX ), who clarified that the unpaid fee is related to a property inspection performed by the former loan servicing company XXXX. 

They said that the inspection was executed to know if anyone lives in my property, which I think is an absurd excuse since I have been paying my mortgage every month since XX/XX/2007. In more than 30 years I had dozen of mortgages and I have never been contacted to perform such inspection by any financial institutions or loan servicing companies. 

I live in a Condo unit and no one can access or visit my apartment unless Im there and authorized it. I never received such a request. If there is a fake inspection report, I would like to view it to find out how they got in without my authorization.
Consumer complaint received 2016-07-27
Product: Credit card — 
Issue: Late fee — 
Company: TD BANK US HOLDING COMPANY (VA)

Recently, Target replaced my existing credit cards with new cards. Upon receipt of the new cards, I registered them in accordance with Target 's instructions. When I attempted to use the referenced card at our local Target, it was rejected. 

I contacted Target and was informed that my account was " Past-Due ''. I travel frequently, unable to receive mail, and must manage my Target Account online. According to the Target Website, my account was always current and " Auto-Pay '' was active. 

I called " XXXX '' at Target and she updated my Target Online Account, which now shows XXXX " Late-Payment-Fees '' of {$27.00} and {$37.00} on XXXX XXXX and XXXX XXXX XXXX, respectively. 

As I never received a paper bill and the Target Website always showed that my account was current and " Auto-Pay '' active, I dispute the " Late-Payment-Fees '' reflected on the attached printout and request that they be credited to my Target Account. I have always dealt with Target in Good-Faith and request that Target do the same. 

Your assistance in this matter is appreciated.
Consumer complaint received 2016-07-07
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP (AR)

I am a USBank Depositor ( DDA ) and hold a USBank issued credit card. I was in their branch located at XXXX XXXX, XXXX XXXX, AR to make a DDA deposit when I was advised that I had been pre-approved for a balance transfer option with 12 months of 0 % interest with no fee. All they needed was my annual income. I was advised ( TWICE ) the credit inquiry was a soft pull and I assumed this to be true considering I have a USBank credit card. After spending time in their office, providing my income and employment information, the pre-approval was declined and I subsequently have a hard pull inquiry on my XXXX. The teller and/or " personal banker '' had little or no knowledge about their credit card products or how they worked. It appeared they were simply trying to get me to apply. I would not have applied unless I was truly approved. In fact, I asked about the credit limit and was advised that this could not be confirmed without a softpull! The softpull was truly a hard pull and a decline due to my credit card usage. ( I knew I had balances, assumed USBank did, too and this is exactly the reason I was interested in the balance transfer! ). USBank has caused my credit score to DECREASE due to their fraudulent sales and marketing.
Consumer complaint received 2016-07-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

collection agency. I called the collection agency and was told that an account was opened with them and i borrowed money from them which i know nothing about. I want the XXXX agencies to remove that report on my record and also for the collection agency to not contact me for a debt i know nothing about. 

Thanks