davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (NY)

I sent my landlord a rent check for the month of XXXX which was cashed at the end of XXXX but not by my landlord. when I went to my bank branch, they told me that the check was cashed without endorsing and apparently there was no stamp or mark of deposit. however, the funds were withdrawn from my account and the picture of the check was placed on my thread of transactions. I filed a claim with my back in XX/XX/XXXX and to this date all they have been able to tell me is that the check was deposited into an account from XXXX XXXX XXXX but they have yet to give me a credit for my funds which was for {$1700.00}. I had to return to the bank in XXXX, due to the bank missing to have me sign an affidavit that I would have never known if I had not called for a progress check. On XX/XX/XXXX I had to go to the bank because they closed my account without letting me know. I received a call on XX/XX/XXXX informing me of this due to the fraud that happened. Today I called again the back to see what is happening and again was given the run around by the assistant manager which had no information to give me and said would follow up with me after I asked to speak to bank manager about me getting my funds credited to me. I have not been able to pay this rent to my landlord which is now causing me to get evicted from my apartment. I am actually shocked that a big financial institution like TD bank paid out such a big amount without even confirming if the person cashing the check is the payee not even that they paid out the funds on a check that was not even endorsed and can't even give any information when it is my money to begin with which is unfair for me as the client. Please assist
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2016-12-13
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SOUTHPOINT FINANCIAL SERVICES, INC. (TX)

In response to a letter mailed to my house advertising a program for veterans that lowered the interest rate on our home 's mortgage, my husband and I decided to refinance with Southpoint Financial Services. XXXX of their selling points is that customers get to lower their interest rate and skip two months of mortgage payments. The process began in XXXX 2016. All forms had been submitted and papers signed in late XXXX 2016. I was in regular contact with Southpoint 's representative via email and phone calls during this time period. I wanted to make sure we understood the process and were doing our part to complete this transaction. Part of my questions pertained to when our next mortgage payment would be due and if we needed to keep paying the bank that owned our mortgage at the time, as I did not want to get behind on any mortgage payments. Part of my questioning included the benefit of getting to skip XXXX mortgage payments. I was in contact with the agent on XXXX XXXX, 2016, to confirm that all paperwork would be signed that evening with a notary from a title company working with Southpoint. However, due to an error on the paperwork produced by the agent I was working with, the first mortgage payment was due XXXX XXXX, 2016. We had made our XXXX 2016 payment ( which was refunded to us by the former bank ). But we did not get to skip another payment. We were counting on that money to take care of a medical procedure for our son. The XXXX XXXX, 2016, payment date was included in the paperwork we signed. However, the notary from the title company skimmed over all paperwork and did not point that out to us. Plus, the paperwork was sloppily prepared with the wrong payment date in the first place. We received our first mortgage payment notice on XXXX XXXX, 2016. It stated that our first payment to the new lender was due XXXX XXXX, 2016, and we would be behind on our mortgage and owe a late fee if the mortgage payment were not made before XXXX XXXX, 2016. Of course we were blindsided by this news. I made numerous phone calls trying to explain the situation to bank and that we had not expected to have to make this payment since XXXX of the selling points of refinancing was getting to skip XXXX mortgage payments. I also made several phone calls to Southpoint, speaking to the agent I had worked with for two months and his supervisor. I explained the situation in detail to them as well. While they admitted that they had made an error in their paperwork, they stated that there was nothing they could do to remedy their mistake.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-08-01
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (CO)

The government paid the full year of rent to these people due to COVID-19 pandemic assistance and they then served me paperwork to have my family evicted right after because they were planning on having that apartment updated even before we moved in. But the corporate office gave us a deal for that apartment instead. I went to the court house and signed papers to move out and not owe any money for anything pertaining to this property. And if they had any problems they were to contact my insurance company that they have us all get. The head office in California sent me a letter of recommendation letting people know that I did lived there and owe no money, along with XXXX XXXX XXXX house, and the XXXX XXXX XXXX. This all took place in XX/XX/2021. All documents are in the XXXX XXXX
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (NY)

I have contacted Discover about my credit report because a balance is still reporting as a CHARGE OFF. Discover has have failed to send me 1099 debt cancellation form which proves that they reported these balances as a loss to the irs but they are STILL reporting a balance.
Consumer complaint received 2024-10-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (SC)

I placed an order, through PayPal, on XX/XX/XXXX. Prior to placing the order, I communicated with the merchant to ensure I would receive the correct item as they had previously sent me the incorrect product twice. Due to the two prior defective shipments, I had to utilize expedited shipping to receive the merchandise in time for my event. Their dispute process merchant agreed to shoulder my shipping costs due to the repeated errors on their part. 

I received the item, but it was not as described. I ordered a XXXX XXXX XXXX  and received a XXXX XXXX XXXX. I submitted a request for full refund, also through PayPal, on XX/XX/XXXXXXXX XXXX 

I returned the product to the merchant via UPS on XX/XX/XXXX via the merchants QR code, scanned at the carrier facility. I received a drop off receipt. Tracking details indicate that the item was received at the merchants US warehouse on XX/XX/XXXXXXXX 

I have provided proof of shipping and delivery to PayPal Customer Service on three dates : XX/XX/XXXXXXXX XXXX XXXX XXXX and XXXX XXXXXX/XX/XXXX. As of today, PayPal is requesting tracking details again. 

Their dispute process offered a full refund of {$120.00} ( including expedited shipping fees ), but requested that I send the merchandise to a different, international address AFTER the returned product was already in the merchants possession. 

PayPal is now giving me the run around and only applied a partial refund to my account. This transaction is part of a credit agreement with PayPal and activity is reported to Credit Reporting Bureaus. The agreement is for four ( 4 ) payments of {$32.00} USD. I paid 1of 4 on XX/XX/XXXX. Currently, PayPal has applied credit for 50 percent of the transaction, or two additional payments. As it stands, I will have to make an additional, future payment and I will not receive a refund of amounts already submitted if PayPal does not apply the full refund. I would like a full refund of all charges immediately to bring this matter to full resolution and receive a refund of the amounts I paid on XXXX XXXX
Consumer complaint received 2024-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CULLEN/FROST BANKERS, INC. (MD)

Because of federal regulating of XXXX  XXXX I begin moving XXXX family members to another state. 
The state change occurred around XX/XX/XXXX to XXXX at XXXX. 
During XXXX years, I lost bank summary statements
Consumer complaint received 2024-10-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: AmeriHome Mortgage Company, LLC (WI)

I paid off my mortgage on XXXX, then on XXXX {$84.00} was taken out of my escrow money to pay mortgage insurance disbursement. When I questioned this they said it is paid in arrears, but wouldn't that be included in the payoff amount then. It just doesn't make sense and this company has been shady and difficult all along which is why I've gotten out at my first opportunity. Also it will take 35-45 days for me to receive my escrow refund, but they will not pay me any interest on my money they are holding. I didn't think they could keep my money without paying interest? I just don't trust anything with this company. Thank you.
Consumer complaint received 2024-10-24
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ONLINE Information Services, Inc. (TX)

I contacted Online Information Services on XX/XX/year>, at approximately XXXX XXXX. I recently learned of a debt on my credit report. My divorce was final 3 months ago, and this collection from Online Information Services is for electricity used by my ex-husband, after I left the home. The debt is {$610.00}, but they are asking for {$950.00} siting fees. I agreed to pay their over {$300.00} in fees, and asked for a letter of deletion to remove the collection from my credit report. I was trying to offer them copies of the legal documentation that states, the house belongs to my ex-husband, however under Texas law, you can not terminate utilities while you are separated, and the utilities were in my name. All you can do legally is ask the spouse to put them in their own name. My ex-husband didn't do that until the utility company shut it off for nonpayment, apparently. 

I'm absolutely willing to pay the debt, but need it deleted from my report. My initial interaction was with a gentleman named XXXX, who was very friendly, and transferred me to his XXXX, XXXX. XXXX was rude, unprofessional, unwilling to discuss this with me, and laughed at me for trying to resolve this.
Consumer complaint received 2024-10-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates (SC)

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  Subject : Debt Validation and Cease and Desist To, Whom It May Concern, I am writing in response to a recent debt collection notice from your office regarding account number XXXX. To ensure that I am communicating with the correct party, I request that you provide documentation validating the debt in question. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I formally request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the amount you are claiming is owed, including documentation of any contract or agreement related to this debt.

3. Records of all assignments showing the transfer of the debt from the original creditor to your agency.

4. Proof that the original creditor securitized the debt.

5. Documentation of any assignments from the original creditor to a secured trust and back to the original creditor.

Please cease all collection activities until you provide the requested validation of this debt. Additionally, I ask that you refrain from accessing my credit report or reporting any information to the credit bureaus regarding this debt, as I dispute its validity. Should you have already reported this debt, I request that the dispute be noted on my credit report.

Please also clarify your permissible purpose for accessing my credit information, as I contest your right to do so.

Furthermore, I dispute the validity of this debt and request that any future collection agencies you may transfer this debt to be made aware of this dispute. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-17
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CO)

I sent a request for mediation which was received by Wells Fargo on XX/XX/year>. I was told the process would take 30-60 days. On XX/XX/year>, I received an email from Wells Fargo stating that they had received my request and that I would be contacted in 30-60 days. I contacted them stating that it had already been over 60 days and would like to move forward and have my concerns addressed. Over the last 5 weeks, Wells Fargo has stalled and delayed to the point where there still has not been any progress to address my concerns and a date for mediation has not been scheduled. There has been very little communication or accountability from Wells Fargo and they do not seems to be concerned about providing any customer service to those who were cheated and frauded by their unethical business practices.
Consumer complaint received 2024-10-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (GA)

To Whom It May Concern, I am writing to report an issue with a recent purchase I made on XXXX. I ordered a bike that did not arrive on the expected delivery date. After waiting for over XXXXwo weeks without delivery, I decided to cancel my order. Although the shipper claimed they attempted to deliver the bike and that I refused the delivery, I did not receive any communication or calls from them. 

During this time, I contacted XXXX to inform them of my decision to cancel. XXXX confirmed the shipper 's claim, despite my clear communication that I had not received the bike. Due to the extended delay, I purchased a different bike. 

Now, the charge for the undelivered bike remains on my credit card account. I filed a dispute with my credit card company, but they informed me that the payment has already been processed, and I am still responsible for the charge. Additionally, XXXX has stated that because I initiated a dispute, I am unable to utilize their A-Z Guarantee for this transaction. 

I would appreciate your assistance in resolving this matter, as I believe I should not be held accountable for a product I never received.
Consumer complaint received 2024-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (VA)

15 USC 1681 and 12 CFR 1002 You can't be denied credit due to credit score or credit history or income. Anyone adverse actions in a consumer credit transaction is Illegal. Also 15 USC 1611 state that i can access my unlimited credit.
Consumer complaint received 2024-10-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL (NY)

Hi good morning my name is XXXX XXXX I already file XXXX claims with you guys about a debt that they are charging me for stuff i didnt received but i havent heard back from your guys about the decision that was made pertaining to my complaint and my next court date in coming up on XX/XX/XXXX the last XXXX of my social is XXXX I really hope you guys can split justice so i can rectify things with these people please get back to me so I can know wats the next step if i should get a lawyer or something thank you and have a nice day.
Consumer complaint received 2024-10-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Ria Envia, LLC (GA)

I have opened an account with XXXX to transfer money from my checking account in XXXX to my savings account in XXXX. Both accounts are solely owned by me. They allowed to complete my XXXX transfer, after that they have restricted my account. When I reached out to them, they closed my account without giving any reason. I feel very insulted on how they treated me. As a law abiding individual, I never violated anything. I feel very humiliated on how they treat me. Without asking for any verification, restricting or closing accounts is very unfair. I request them to accept their mistake and reinstate my account. 

I received a response from XXXX on XX/XX/year> without giving any information on why account was closed. I say again that I would like to understand what regulations were voilated in traferring from my own account in XXXX to my own account in XXXX. They are unfairly closing out the accounts based on some race or other kind of discrimination. Below is the response from XXXX on this matter.
Consumer complaint received 2024-10-22
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (IN)

My wife and I both opened United XXXX cards, managed by Chase. We were induced to sign up for these cards by an offer on United 's website during the flight booking checkout process. We were promised XXXX bonus miles once we have spent {$3000.00} in the first three months of having the card. 

Chase refuses to honor this promise. I have shown Chase confirmation from United that this is the offer we signed up for, and we have shown Chase a page on United 's website that advertises this offer. Still, they refuse to honor it. 

This is the final step before I file suit in small claims court. I have already rejected the arbitrartion provision in Chase 's contract. I plan to pursue treble damages under the consumer fraud statute. 

You can see the offer below. The card that we both signed up for is the second from the left XXXX XXXX XXXX XXXX I have attached a chat transcript from United confirming that this is the offer we signed up for.
Consumer complaint received 2024-10-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (NY)

Paypal appears to have shuttered my savings account without notice and has provided no information as to how to access my Paypal Savings balance. I am trying to determine how to appeal the closure and restore my access so that I can access and retrieve my funds.
Consumer complaint received 2024-10-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NV)

I am formally expressing my profound frustration and concern regarding my ongoing issue with J.P. Morgan Chase Bank. I have been inexplicably unable to access the funds deposited by the Internal Revenue Service ( IRS ) into my account, and this situation has escalated into an exceptionally distressing ordeal.

Over the past several weeks, I have contacted the bank on multiple occasions, only to receive conflicting information. Some representatives have informed me that my account has been closed, while others have assured me that it remains active. This inconsistency has left me uncertain of the status of my account, despite diligently following all the recommended steps. Regrettably, despite each time I contact customer service, I am advised to wait XXXX hours or XXXX business days for a resolution, only to find that nothing has transpired. Furthermore, I am currently experiencing financial hardship as I am undergoing XXXX treatment. Every dollar is indispensable for my medical care and daily living expenses, and this delay in accessing my funds is causing significant strain on my well-being. 
In the past, I sought assistance at a local branch and was provided with guidance by XXXX at the XXXX XXXX XXXX and XXXX location in XXXX XXXX, where I provided the necessary documents and was advised to wait while the review was complete before contacting the department handling this matter. The contact information for this department is XXXX ( XXXX ) XXXX, option XXXX. XXXX demonstrated exceptional professionalism, providing me with a business card, but unfortunately, my issue remains unresolved. 
I am compelled to escalate this matter to my attorney and request contact information to your legal department. Providing this information is crucial, as I understand that some departments do not directly engage with customers without it. My attorney has advised me that they will pursue the necessary legal avenues to obtain it. 
Kindly guide me to someone who can assist me in resolving this matter. 
Sincerely, XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX ATM card # XXXX
Consumer complaint received 2024-08-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC (MS)

sent a cease and desist dispute letter on XX/XX/29 asking for validity of alleged debt ACCORDING TO 15 USC 1692C YOU HAVE VIOLATED MY RIGHTS BY INLAWFUL COMMUNICATIONS PLEASE REMOVE THIS COLLECTION OFF OF MY CREDIT REPORT