davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-19
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: Consumer Financial Services Solutions, Inc. (NV)

I was referred to this program by my creditor, XXXX  XXXX XXXX, via Accredited Debt Relief under the guise of credit counseling. After acknowledging this was not then right solution for me, I cancelled within the three business days stated in the contract. I was told a manager would call me, but I only found automated voice messages in my inbox. I called, and a representative, XXXX, was very difficult in processing my cancellation. He tried multiple times for me to continue with the program despite my insisting. I even yelled stop twice from the top of my lungs, which made him go silent for 15-30 seconds until he finally realized I wouldnt budge. He also told me I would receive a confirmation email, which never happened. This was an extremely predatory experience, and I would have much rather have dealt with collections agency than this company.
Consumer complaint received 2023-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One credit card number XXXX on XXXX, XXXX and XXXX I made three separates online payments of {$3000.00} each using my business ' bank account XXXX XXXX XXXX XXXX XXXX Capital One chose to credit only two payment XXXX and XXXX XX/XX/XXXX, avoiding credited the payment made on XX/XX/XXXX I have addressed this issue directly to Capital One in several occasions and they continue the abuse. I have filed two complaints with CFPB and Capital One have made fun of it. 
Capital One answer is that XX/XX/XXXX and XX/XX/XXXX, credit was made for the payment and choose to ignore the payment dated XX/XX/XXXX. 
Since then, I have made interest payment, as my {$3000.00} was not credited. 
I am attaching as evidence a copy of Electronic Fund Transfer Report from XX/XX/XXXX, to XX/XX/XXXX from XXXX XXXXXXXX XXXX 
I am requesting CFPB to open an investigation and sanction Capital One for abuse of client. 
I am requesting that Capital One credit my account with the {$3000.00} payment that I made on XX/XX/XXXX and reimbursement me for the interest payment they made doing the client abuse.
Consumer complaint received 2018-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (CA)

I attended XXXX in XXXX XXXX that was on XXXX XXXX. The school guaranteed employment placement assistance as part of their package. The school was accused of fraud and closed. I did not receive the services I paid for. I struggled to find employment and was unable to pay my student loans. I am currently not employed. When I went to apply for credit I found that they are not only incorrectly reporting my accounts but they have duplicated them.I have 3 student loans. I have 3 accounts showing XXXX balance and paid. I also have 3 accounts showing as being in collections. None of the accounts are accurate. I never heard from them so I called them last year and in XXXX of this year I began to make monthly payments to them. I have been making payments since then every single month.
Consumer complaint received 2023-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (FL)

In late XX/XX/2022 I completed the requirements to achieve " Titanium Status '' through my American Express XXXX card and XXXX XXXX  Account ( XXXX ). When achieving XXXX XXXX the member is entitled to a selection of rewards that includes a free night and some other options which are of objectively lower value. The member is unable to select the benefit until receiving a notice from XXXX. I checked for this notice as well as inside the app daily from the time I completed the requirements but no selection was possible. In XXXX I received a notice from XXXX informing me that I have selected " 5 suite nights ''. This is a worthless benefit of no value to titanium members because titanium members are always entitled to free upgrades to a suite when available. When I complained numerous times about this no action was taken to correct the problem. 

To be clear I did not make or approve any " automatic selection '' I did not receive any notice to make a selection and when I checked the XXXX website and the XXXX  app daily no opportunity to select an award was available. 

This card carries an extremely high annual fee of {$650.00} and is not acceptable to allow XXXX to cheat the card holders out of the rightfully earned benefits. 

I also have a friend holding the same card who received the exact same treatment from XXXX XXXX and Amex. This is a fraudulent bait and switch on the benefits.
Consumer complaint received 2023-04-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

n accordance with the Fair Credit Reporting act XXXX Accounts Listed below, has violated my rights. 

Name of Account Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (NC)

After being a loyal customer of XXXXXXXX XXXX and a XXXX XXXX American Express Credit Card holder, I had to close both relationships due to a terrible experience with XXXX 's property at XXXX XXXX XXXX. I received an email confirmation stating that both had been closed accordingly. Then standing transactions began to post to the account again. When I called back in I was informed that the " partner '' had reopened my account. The Amex agent couldn't tell me who or why so I have to assume that partner equates to XXXX XXXX. I requested that the account be closed again and demanded an explanation of how this could have happened as this doesn't seem legal. I was told by Amex that they would submit my case for investigation and I would hear back. They sent me a message to a secure location that is no longer active since my account is closed. I haven't received any calls or emails with an update on the situation. 

Neither of these companies seem to care about how they conduct business.
Consumer complaint received 2018-06-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

We have unathorized chargebacks for the amounts of {$1000.00}, {$1900.00} and {$900.00} done to our PayPal Account Transaction IDs : XXXX XXXX XXXX We received these amounts from XXXX XXXX as a payment for renting our house. After the guest left and we payed back the security deposit, we received an email from Paypal that these transactions were unauthorized and charged them back. Paypal did not provide any evidence, justification or dispute letter to justify their one sided decision. They did not request our response to any dispute about these payments and simply withdrew the money. 

We tried to call and email multiple times and sent email to paypal XXXX with evidence of a rental agreement with the amounts that proves that these payments were correct. We did not receive any reply or response. When calling paypal customer service we got different answers from agents. One agent said was that the funds will be refunded, but we never got them back. Then we called again and another agent said that the case is closed. 

Despite the fact that we provided evidence of the rental agreement, payment that were issued, photos of the person staying in our house, details of the deposit refund and more, we have not received back the amounts, nor we got any response or explanation of the chargeback except for the initial " unauthorized transaction '' notification. Paypal has no right to chargeback money without requesting a response from the account holder and then ignoring our emails, or provide wrong and contradictory explanations on the phone. 

There must be a clear procedure of discussing payment disputes, if there were such, with the person who received the payments. The " unauthorized transaction '' decision that was done without requesting any response or give us a chance to contest it is outrageous and illegal. We can prove that the funds were received according to an agreement and we demand to be refunded immediately.
Consumer complaint received 2018-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (AR)

I have disputed XXXX bill in the past and a new debt collector reporting under XXXX has put this debt that does not belong to me back on my credit report. Under the fair credit reporting act this is unlawful and Equifax should not be reporting this on my file. It should be removed immediately or I will have to take steps to litigate any and all monetary damages incurred for damage to my credit.
Consumer complaint received 2018-06-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TCF NATIONAL BANK (GA)

As of XX/XX/XXXX, my car loan with XXXX XXXX XXXX   XXXX XXXX has been paid in full. I requested a copy of my title, from the XXXX XXXX XXXX XXXX XXXX Title Department, and although they have the correct address on file, and I have been receiving correspondence from them at the correct address for nearly 3 years, they have the incorrect address on file. When I asked them to update it in the system so that : ( 1 ) The title can go to the correct address.

( 2 ) You already have the correct information in your system, and have been sending correspondence to the correct address for nearly 3 years. 
The customer service representative repeatedly made excuses, and tried to send me to other departments to resolve the address change issue. I had already reached out to XXXX XXXX XXXX 's customer service, multiple times over the course of days and all of the customer service representatives prompted me to reach out to the Title Department. The XXXX XXXX XXXX Title Department representative continued to be combative, argumentative, and rude and downright refused to make the change. When I also refused to continue to be sent to another department, she again changed her story and said the DMV would have to change the address, then she changed her story and said although the address on the title is incorrect, XXXX XXXX will indeed provide the title to the current address when it is sent out on XX/XX/XXXX. I asked her to provide that information in writing so I can notify my car insurance & attorney and she also refused. She then created yet ANOTHER story saying " The DMV will have to update it ''. Well the DMV has had the correct address on file for the past 2 1/2 years with no problem so why is it not reflecting on the title? She then placed me on hold claiming to have talked to her supervisor and " there is nothing they can do ''. If I did not pay for my loan, there would be something you can do? If I missed a payment, there is something you can do. Why not now that the loan is paid in full? I did my part. I paid my car loan in full, and all that I am asking is for them to update the address on file, just as I did nearly 3 years ago. With the XXXX XXXX Title Department 's office hours differing from that of customer service, and their refusal to do anything to help customers, it is certainly no surprise I am having to deal with this. It is unnecessary and a horrible display of customer care.
Consumer complaint received 2018-06-18
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: CITIBANK, N.A. (MI)

I have complained to XXXX multiple times about a recurring charge of {$380.00} from XXXX on my account. The have sent me two new cards and reversed the charges but can not seem to be able or unwilling to stop the recurrent fraudulent charges. I have spent hours of my time resolving this monthly and wasted time on the phone with XXXX as well. 


XX/XX/XXXX {$650.00} XX/XX/XXXX {$360.00} XX/XX/XXXX {$240.00} XX/XX/XXXX {$380.00}
Consumer complaint received 2018-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NC)

I paid my XXXX XXXXXXXX ( XXXX XXXX ) credit card bill on XX/XX/2018 via XXXX XXXX  XXXX online billpay. The amount of the payment was {$4400.00} and XXXX XXXX XXXXXXXX debited my checking account for that amount. When I got my next statement from XXXX XXXX it showed no payment on XX/XX/XXXX and a late fee. When I contacted XXXX XXXX XXXXXXXX they confirmed they had sent the payment electronically and did a conference call with me and XXXX XXXX to provide them with proof ( including Electronic File Trace Number ) of the payment. The XXXX XXXX customer service associate was not helpful in resolving the matter and we asked to speak with her supervisor. When her supervisor came on the line ( after we were on hold for several minutes ) she spoke very briefly and then hung up on us. XXXX XXXXXXXX XXXX faxed proof of the Electronic Payment to the number provided by the customer service associate. I also sent this documentation to them via secure online messaging on the XXXX XXXX website. I received a letter from them this week that they didn't have all of the information they needed and announced " our investigation has concluded. '' I sent another letter to them today.
Consumer complaint received 2018-06-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

Carrington Mortgage Services , LLC Re Account # XXXX ( Part of 1st Letter sent Carrington ) Back around XX/XX/XXXX. 
Have many a few calls to your customer service # and they have been No help explaining Per your statements it appears you have charged us in XX/XX/XXXX, {$870.00} for a Property Registration Billed. Please why have we never been charged anything like this since the loan originated in XXXX? Why is that XXXX County Assessors office have a record of it. If not them Why was it not filed with the Clerk of the Court, I saw no record there either? This a fee appears only to be charge for Vacant Land ' -- -Then in their response of XX/XX/XXXX [ Based on County Records the property was vacant XX/XX/XXXX thru XX/XX/XXXX ] but then charge us in excess of 5 years later. I contacted the XXXX Property Assessors Office again and they stated they have no record of this or any fee received. He did stated is that was true they 1st remove my Homestead Exemption which they did not I have all those reports to prove that. I also contacted Clerk of the Court again and still no records. I also contacted local utility and though they can see I have continues service if I was the individual I need to come in main office to get those.
Consumer complaint received 2023-04-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (WA)

Approximately {$95000.00} was embezzled/ stolen out of our three corporate bank accounts and Cash App is refusing to assist despite sending documentation and certified letter. Despite numerous calls, they simply tell us it's not their problem, and at one point, even hung up on me while I was asking for a resolution. 

Original XXXX Revised XXXX  forged checks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/Personal XXXXXXXX XXXX XXXX XXXX {$2900.00} XXXX XXXX XXXX {$2500.00} {$5400.00} XXXXBusiness XXXX XXXX {$7300.00} XXXX {$4700.00} XXXX {$4500.00} XXXX {$4500.00} XXXX {$430.00} XXXX {$430.00} XXXX {$6900.00} XXXX {$230.00} XXXX {$700.00} XXXX {$1800.00} {$31000.00} XXXX # XXXX XXXX {$3500.00} XXXX {$6400.00} XXXX {$560.00} XXXX {$9800.00} {$20000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4200.00} XXXX {$6800.00} XXXX {$6700.00} XXXX {$2700.00} XXXX {$740.00} XXXX {$6600.00} XXXX {$11000.00} {$39000.00} Attaching a copy of the spreadsheet, admittance of guilt texts and XXXX XXXX XXXX 's report. Also attached a copy of the certified letter we sent.
Consumer complaint received 2018-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

After receiving Transunion response to my investigation request, claiming that my inquires are " a matter of factual record, '' I called the companies that made the inquires and they told me there was nothing they could do and I would need to open an investigation with you directly. 

Upon getting this very frustrating answer, I did some investigating of my own. What I discovered is that the only permissible purposes for pulling someones credit are : A firm offer of credit Insurance Employment Court Order Since none of the reasons listed above apply to my situation, I am demanding a re-investigation by Transunion ( as is my right according to the FCRA ) and that the inquires listed below be removed from my credit report.

* I have sent 5 letters to Transunion which were received on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX pertaining to these Hard Inquiries removal.

XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX
Consumer complaint received 2018-06-17
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: DISCOVER BANK (KS)

This is the second complaint that I have needed to file with the Consumer Protection Financial Bureau against Discover in the last two months regarding a disputed transaction against XXXX. 

The products I purchased from this company made my dog sick. I am holding on to the products for FDA inspection. I have already filed the FDA report as well as one with my state attorney general. Therefore, I can not return the product, but I certainly should not be expected to pay for them. XXXX leads customers to believe that they purchase XXXX XXXX supplements directly from them -- they do not according to XXXX, which can be verified if Discover speaks directly to the company. So they mislead customers in to believing the products are not counterfeit, expired, or tainted when they have no way to confirm that they are not, because they buy the products from an unauthorized third party. XXXX XXXX never sells to online pharmacies ; they only sell directly to licensed veterinarians. 

If Discover fails to remove this charge permanently from this credit card, we will never make a purchase with them again. If these items would have been purchased with our XXXX XXXX or XXXX XXXX card, we would not be having these problems. I've had disputes with both of these credit card companies in the past, and they have always promptly and permanently removed the charges. 

Finally, when I re-disputed the charge with Discover for the second time, the rep I spoke with stated they were able to put it back into dispute status because XXXX didn't supply enough supporting documentation to show the charge was actually valid. Disover records conversations, so what she stated to be can be validated if the bureau requests the recording. Despite this, Discover took it out of dispute status anyhow and expected that we pay it. If this was the case, that XXXX didn't supply enough supporting documentation to validate the charge, they NEVER should have taken the charge out of dispute status. And I certainly don't believe XXXX supplied Discover with any additional supporting documentation this time around to validate they should be charging us for these items. Rather, I believe they took it out of dispute status just like they did before.
Consumer complaint received 2018-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

XXXX reported a collections notice on my credit reports within the last few days in the amount of $ XXXX. I do/did not have an account at XXXX and I consider this entry erroneous and fraudulent.
Consumer complaint received 2024-08-09
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: Experian Information Solutions Inc. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-06-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (MD)

I am refinancing my house for which I have about 30 percent equity. I visited the Navy Federal Credit Union 's web site to check their rates, but it only lists the lowest rate for conventional loans without the number of months and points. From there, their web site directed me to a loan product at a reasonable interest rate and one point. So I applied, paid a fee, and was assigned a processing agent. When I got the documents, however, it had a large {$7000.00} pre-paid mortgage insurance and a monthly PMI payment of {$250.00}. I had to stop their digital approval process and tried to contact the processing agent by telephone and email. She has not returned me voice mail or email. Closer look at the paper work it appears the web site steered me towards an FHA loan. The processing agent should have seen that with 30 percent equity or LTV ratio, I didn't need that product and its a bit disingenuous that she didn't contact me to confirm that's what I really wanted.