davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-02
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (NV)

I am writing to file a formal complaint regarding my Apple Card issued by Goldman Sachs. My account has been placed under review, leading to significant frustration and confusion due to the lack of clear communication and resolution from both Apple and Goldman Sachs.

The issue began when I placed an order directly with Apple, using an Apple gift card for part of the payment and my Apple Card for the remaining {$230.00}. Due to a technical error on Apples end, the gift card did not process correctly, prompting me to re-attempt the charge. This action led to my Apple Card being blocked. 

I have reached out multiple times to resolve this issue, speaking with customer service representatives who often provide inconsistent information. I was assured via an Apple XXXX chat that the issue was resolved via chat on XX/XX/year>, only to find that my card remains blocked. Despite having an excellent payment history and only using this card for Apple purchases, I have not received any notifications regarding the restrictions on my account.

Moreover, I have called nearly a dozen times, and each time I am transferred back to Apple Card support or disconnected without resolution. Apple has indicated they would work on my behalf, but the lack of coordination between Apple and Goldman Sachs has left me without a functioning card and no clear path to resolve this.

I am a responsible customer who has consistently made timely payments. This situation is unacceptable, and I request your assistance in resolving this matter promptly. I would appreciate any intervention you can provide to ensure my account is unblocked and that I receive proper communication regarding my account status. 

Thank you for your attention to this matter.
Consumer complaint received 2018-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/XXXX, I collided with a taxi in XXXX while driving a XXXX rental car with American Express Premium Rental Car Insurance Protection. When I turned the car in, XXXX charged me an additional XXXX in XXXX pounds for damage estimate on my American Express Blue card. I filed an Amex insurance  claim over the phone one hour after the fender-bender. I completed all of the paperwork required. Amex then said they would handle the claim and contact XXXX. XXXX has never responded to Amex 's request for paperwork. I called Amex periodically over the months and was told there was nothing that could be done until XXXX XXXX attorney in XXXX  responded. I was told that it often took longer than 60 days to resolve a claim.

In mid-XX/XX/XXXX this year, I called and asked for a supervisor. XXXX told me I should not have paid the estimated damages because XXXX has no incentive to respond. XXXX said I had filed everything correctly and they had all the paperwork. She asked if I had disputed the amount. I said no, because I believe the insurance would cover the charges. XXXX said it was too late to dispute, but she would have the Amex claims adjuster contact me in two business days with a resolution. She said Amex could credit my account despite the 60-day window for disputes having closed.

I never heard from Amex. I called Amex insurance again this morning XX/XX/XXXX and was told I should have filed a dispute and that it was still possible to do so. I was transferred to Disputes, who said it was impossible as 60 days had passed and that the insurance division was separate from the dispute division and they were wrong. He tried to transfer me back to the insurance division but the call was dropped.

How do I get reimbursement for what I paid for the damage estimate and fees? Amex Insurance told me it takes more than 60 days to resolve ; Amex Disputes says the window closed at 60 days. The contract states the insurance is provided by AMEX Assurance Company, XXXX, A under Policy XXXX.

In short, American Express is giving me the round-around and I would like to have this resolved, please.
Consumer complaint received 2018-07-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On XX/XX/2018 I found inaccurate information on my credit reports and sent disputes to all 3 credit bureaus ( XXXX, Equifax and XXXX ) by certified mail. I also included copies of my drivers license, Social Security card and proof of my address. I received the certified copies back dated XX/XX/2018. I understand its Federal Law that the credit bureaus have 30 days to verify the disputes and answer back to me. XXXX is the only company who has responded and removed the disputed items I asked to be disputed. As of today XX/XX/18 XXXX  and Equifax both refuse to follow the law and answer my disputes. I will include all information and copies of certified receipts.
Consumer complaint received 2018-07-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (KY)

This morning, XX/XX/XXXX, shortly before XXXX XXXX. on my home computer, I authorized a wire transfer in the amount of {$10000.00} to my mother 's bank in XXXX. My mother is an American citizen who resides abroad, having moved to XXXX after retirement in XXXX ( these funds are in fact her monthly retirement income, and I provide her local banking to get her access to these retirement funds. ) Several hours later I received a phone call from Chase that was not clear and disconnected, and an email cancelling the transfer. When I contacted the bank via telephone, I was advised that I needed to go into a branch to show two forms of ID, which I promptly did, and was then allowed to resend the international wire transfer. In verifying the account information I noticed that the banker had left off a digit from the IBAN code, and she advised that she would shred that application which she did not process or authorize. She then reentered the information, which I then verified as correct, including the swift code and IBAN code, which I had received from the international bank this  past XXXX, and confirmed with the recipient that nothing had changed since that time. I then signed the paperwork, and authorized the transfer. The bank processed the transfer providing me with a disclosure and receipt. I then left the bank, returned to my office at which time I received an email alert that this transfer was cancelled too. I called the number indicated on the cancellation notice, and was advised that the internal review process had rejected the transfer, and that there was absolutely nothing I could do about it, and that there was no one within the internal review area with whom I could talk to to see what I could do to get this money transferred. I then called CFPB, and was directed to this forum, and started filling out this information. I then received another email, some forty minutes after the cancellation notice was emailed, advising that my wire transfer was sent. I called and spoke with XXXX who answered the phone for Chase on this most recent call, and she confirmed that the second cancellation was of the transfer that I never authorized, and which should never have needed cancellation, since I received no paperwork that it had even been attempted. This was a nightmare, and horrible customer service, aggravating and frustrating beyond measure.
Consumer complaint received 2018-07-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (AZ)

XXXX forgave a debt that was a mistake that went to collections. 

( XXXX ) XXXX-XXXX XXXX XXXX is the name of the agency. I called them & said progressive forgave expunged erased the debt. That company already had 1/2 of the debt erased. 

But they would not allow me to discuss the debt saying they could not verify who I am.

I gave them about 5 addresses I have had. They still would not verify my identity, they claimed. I said I have a XXXX XXXX report of every address since XX/XX/1985 I had & I was willing to read it to them ... but they basically said we can't verify it's you. I think it's strange. 

XXXX says they lost the policy and some CSRs look for it but some say just pay. 

XXXX initially said that the debt was expunged. The collection agency was polite but it was like talking to the gestapo anyway by saying I am not me.
Consumer complaint received 2018-07-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I made several complaints with the CFPB last year. I spoke with XXXX XXXX regarding the promissory note being forged. XXXX XXXX spoke to me prior to her attorney at XXXX XXXX responding to my complaint with the CFPB. She told me it would be recorded and once I told her I was recording it she told me she couldn't speak with me.Though I can't make another complaint about the forged signature on my promissory note, I am going to take all the paperwork Bank of America sent me last year along with the promissory note XXXX XXXX provided and have a forensic document examiner compare my signatures. So if I'm correct, and I know I am, I am going nationwide with it. I only live 3.5 hours away from a XXXX XXXX news station that's willing to listen and look at paperwork. When you need an attorney to respond to a complaint and we spoke prior, you know there's an issue. I still have the phone with the recording. I will have every person collecting all their documents that they never received from Countrywide Bank. I am also providing documents on my applications for a HELOC, which Bank of America serviced and a refinance in which Bank of America provided the information to Countrywide Bank that I had {$23000.00} in a savings account for account number XXXX on XX/XX/XXXX and on refinance account number XXXX with Countrywide Bank on XX/XX/XXXX. Bank of America says they don't show any account for my money, and I want my {$23000.00} plus interest. You can still say your only the loan servicer but I have so many documents to prove my point. On the Final Hud-1 statement that I have for XXXX does not match the Final Hud-1 account number ending in XXXX. Where did the money go? Is that why you sold the servicing rights. As for these loans they weren't made by Countrywide Bank they were made by Countrywide Home Loans, XXXX XXXX. I have a couple of statements still and the first statement says Countrywide Bank ( HFS ) which means Held For Sale. I tried to be nice and deal with you last year, but now I'm fed up and was tired of the lies and the runaround last year from Bank of America. Unfortunately, the CFPB makes it hard to go back on old loans, and I know they accept your answer and close it. Believe me this won't be closed until I'm done. You know I believe you were part of the Countrywide Bank " Hussle. '' Maybe if I get enough people to get their paperwork the FBI Crime Fraud Unit might be  interested again.
Consumer complaint received 2020-06-15
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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

CAPITAL ONE AUTO XXXX has a charge off on my credit report that was paid in full through " gap '' insurance. 
this account has been reporting delinquent to my credit sine novermeber 2018. 
capital representative confrimed to me over a recoreded line. that they did in fact receive all the documents and payouts to settle this account in XXXX i was not aware of this until recently. ive previously disputed this account with all three credit reporting agenices. XXXX XXXX and XXXX reported this account as been certified to there agency. which i know NOT to be true. XXXX, XXXX  and XXXX has not or ever contact me to validate the accuracy of this account. they never contacted me to verfiy this account. i was never asked or given my premission to have said account reported to my credit profile. there was never even proof that i was ever offically notified of this account being placed on my credit, late, charged off or the methed they was to certify that this account and or where they got the certification that his account was in deed my and 100 % accurate.
Consumer complaint received 2020-06-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Receivable Solutions, Inc. (SC)

Beginning in XX/XX/2020 I began working to correct issues related to my credit report that contained medical collections. These medical collections were supposed to be covered my insurance but for some reason they werent processed incorrectly and not in a timely fashion and when I found out the items had been sent to collections agencies. I reached out to Receivable Solutions INC to make arrangements to clear the debts and was told that they did not have any items in their office for me, I asked the agency to remove the items that they were reporting. Nothing has been removed as of yet, I have also sent certified letters requesting that those items be removed and have not received any response.
Consumer complaint received 2020-06-15
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (SC)

On XXXX XXXX I finally spoke to multiple individuals requesting COVID-19 mortgage relief while we try to bring our income level back to pre-COVID-19. 
I requested that XXXX be rolled into the 180-day request. However, Dovenmuehle has just sent a letter via the consumer complaint site stating that XXXX is considered delinquent and will only provide me with 90 days of relief. I am enclosing their letters and the VA guidelines that Dovenmuehle is required to adhere. 
Therefore, my request is that Dovenmuehle correct the paperwork to reflect XX/XX/2020 in the calculations for the next 180 days.
Consumer complaint received 2018-07-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Io, Inc. (CA)

On XX/XX/XXXX a medical account was sent to collections and I had just recently seen that this was something new to my knowledge. I have served in the XXXX XXXX XXXX  fromXX/XX/XXXX-XX/XX/XXXX and had XXXX XXXX that covered my expenses and fees. This is something that I have tried to work out with this company prior. It has been years since and have not received any positive changes towards this account.
Consumer complaint received 2020-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OH)

I received a text from USAA concerning fraud on my debit card. A couple of charges were for XXXX and of course I did not authorize any charges of XXXX. USAA never informed me they turned off my card even when I was on the phone with them. Great customer service. Now I am having any charges and automatic payments failing. I called them and keep having to push several buttons and end up in the wrong departments. The people running USAA claim they are for veterans. I see no indication of this and they are a bunch of idiots.
Consumer complaint received 2019-03-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: The J. G. Wentworth Company (NJ)

I took out a mortgage with J.G. Wentworth. I wont get int the numerous issues I had getting them to provide timely information, but on the day of signing, they provided me documentation with incorrect amount listed to go into escrow. The amount listed was short {$300.00}. They drew up new documents and I signed them one week later. 

Three weeks later, I receive my statement for my first payment. I reviewed the numbers and the amounts are broken out accurately on statement. I send them the payment the next day. 

The following day I receive notice that my account has been sold to XXXX XXXX. I called J.G. Wentworth and they assured me the payment sent to them would be forwarded to XXXX. It was. However, the information sent to XXXX did not include the updated escrow amounts and thus, just over {$300.00} was not included in the escrow payment, but rather applied to the principal. That is twice that J.G. Wentworth has mad errors in regards to my mortgage that if I had not found could have left me in serious financial trouble down the road. This is simply unacceptable. 

Please note, I have contacted XXXX and have straitened this issue out with them. XXXX was very helpful in resolving this issue. However, the next customer of J.G. Wentworth may not be so fortunate. 

One point of interest to me is that J.G. Wentworth & XXXX have the same mailing address for their loan payments. My guess is they are one and the same company, or at least subsidiaries or otherwise connected. 

Thank you for your time.
Consumer complaint received 2020-06-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (GA)

In XXXX of 2020, I replied to a listing on XXXX for a studio apartment in XXXX, XXXX. After discussing the plans with the " owner '' he explained that there would be a third party service involved to secure the transaction and provided me ID to insure transparency. I was provided legible documents such as : an invoice, rental agreement, and insurance policy. All documents were claimed to be approved by valid representatives of XXXX, a company by XXXX. The owner explained since he lived in XXXX that XXXX will lead me to the next steps to receive the rental package XXXX keys, documents, etc. ) After receiving emails from the third-party company XXXX, I submitted a payment of {$2000.00} through XXXX. XXXX XXXX & Last XXXX XXXX After receiving the confirmation of payment, I was told I would receive tracking on the rental package. I was soon told that the terms and conditions changed recently for United States rentals and I needed to submit a payment of {$1000.00} through XXXX as a safety deposit. I was told that this would be returned to me after the XXXX inspection period. I have not heard from the owner company and have not be able ti contact them. The rental package never arrived, nor did I receive tracking or a refund.
Consumer complaint received 2020-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX. Inquiries : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX/XXXX, XXXX XXXX, XXXX XXXX   XXXX.
Consumer complaint received 2020-06-16
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (WI)

On XX/XX/XXXX  synchrony bank closed my account. I did have some adverse things going on due to covid 19. but when I logged into my account I discovered that my account was closed.They claimed my score was at XXXX on XX/XX/20 when in fact it was XXXX. I decided to pay off my card on XX/XX/XXXX so they would not make another penny of  interest on me.I also was paying my bill on time even with the covid 19 pandemic to no avail. Not right for synchrony bank to do this.
Consumer complaint received 2020-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXXXXXX XXXX U S DEPT OF EDXXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXXIXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  11 XXXXXXXX, 11 XXXX XXXX XXXX, 08 XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiries : XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-06-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: STATE FARM BANK, FSB (TN)

I have a {$710.00} amount that is showing up on my statement as past Unpaid amount. I have sent four emails with a request for an itemized statement for those charges. I have asked for the dates, amount and why to no avail. I keep getting short answers that does not answer my questions. Its like some one do not want to take the time to get me the info. If they cant provide me an itemized statement, they need to remove those charges. 

Sincerely XXXX XXXX
Consumer complaint received 2020-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (DC)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX  XXXX, XXXX XXXX XXXX, XXXX  XXXX  XXXX  XXXX, XXXX  XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX/XXXX, U S DEPT OF ED/XXXX/XXXX, XXXX, XXXX XXXX XXXX. Inquiries : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX  XXXX.