davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I opened a checking account more than XXXX month ago. I have not received my physical debit card yet!!!! XXXX XXXX  was presumed lost. I had to file for another XXXX. I was told that the XXXX XXXX was mailed to the WRONG ADDRESS ( altho i have checked few times with customer service and no one said that they had the wrong address for me ). Hence, i filed for a XXXX  card and today I receive the old card!!!! The XXXX  who got deactivated. I am frustrated since I am having conflicting information and honestly this is unacceptable. It is the XXXX  time i face this issue with a bank " being deprived of my card for more than a month ''. This is unaccepte and says a lot about the bank!!!!
Consumer complaint received 2024-07-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp. (IL)

Subject : Immediate Removal from Consumer Credit Report Dear Absolute Resolutions Investments , LLC, I am filing this complaint via the Consumer Financial Protection Bureau ( CFPB ) to formally demand the immediate removal of the collection entry from my consumer credit report. There are significant unresolved issues that necessitate this action : 1. Discrepancy in Debt Amount : ARI reported a debt amount of {$1200.00}, which does not align with the {$1200.00} balance shown in my XXXX XXXX statements. This {$0.00} discrepancy suggests a reporting error and raises concerns about the accuracy of the debt. 

2. Compliance with Federal Regulations : The collection entry appears to violate : 12 CFR 1006.34 : Requiring accurate and complete disclosures related to debt validation and reporting.

15 USC 1692g ( b ) : Requiring validation of the debt before continuing collection activities.

15 USC 1681s-2 ( a ) : Ensuring accurate information is reported to credit agencies. 
Immediate Action Required : Due to these unresolved discrepancies and compliance issues, I insist that ARI remove the collection entry from my consumer credit report immediately. Failure to rectify these issues promptly constitutes a violation of my consumer rights. 

Conclusion : This dispute constitutes a legitimate request for removal based on unresolved discrepancies and non-compliance with federal regulations. I expect immediate action to address and correct these issues. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-24
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (WA)

Dupe payment of over {$800.00}. Citi failed to process the update and I had credit union stop payment and confirmed with Citi. Their system completely mismanaged everything, with a different story each time I called. Then they closed the account for returned payment, causing derogatory credit, when no payments were missed. They refused to clarify the error and reopen the account. Many other credit facilities were closed when this one was opened, but I will take legal action wrt the credit reporting.
Consumer complaint received 2024-07-24
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (FL)

I bought and funded a Vanilla Visa Gift Card for {$500.00} at the end of XX/XX/year>. When I tried to use it for a small amount I was told the account was XXXX. I called number on back of card, they said a purchase of {$460.00} was made to XXXX. I didn't make this. I filed a claim. XXXX was XXXX with {$32.00} balance remaining. Called back several times then in late XXXX was told {$500.00} would be put into a card and expect it in XXXX days. It never came. Called in XXXX and was told I never signed the claim, had them XXXX  claim, meanwhile I found the claim and requests to complete it by e-signing it in an XXXX XXXX XXXX I signed and submitted received a receipt. Called back in XXXX and was told claim was denied and to look for {$32.00} on a new Vanilla Card in my XXXX which I received and spent. They aren't returning the {$460.00} nor explaining how XXXX got it without the XXXX  or XXXX XXXX I set up. Someone has my {$460.00}. Vanilla should be able to tell me who and how. XXXX spent it and received something. All I'm getting is " Claim Denied ''.
Consumer complaint received 2024-07-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: C2 Financial Corporation (CA)

I asked XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX  ) for a loan estimate. She refused to provide a loan estimate " unless I have all your documents and full documentation for an application. '' I have received loan estimates from other companies, and per the CFPB website, I don't need to provide additional documentation for a loan estimate. https : XXXX
Consumer complaint received 2024-07-24
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 (AZ)

I created a PayPal account around last year ending, I didn't use the PayPal for a while here is the PayPal main XXXX. so today I decided to make use of the PayPal account, received XXXX $ and decided to link my bank to account, after linking and confirming my bank account successfully, my account was limited, after providing all the information required, my drivers license and personal data, I got another limitation, I was asked to confirm the bank again, which I did, and also reupload my ID, which I also did, but this time when I uploaded the ID, it didn't take 1 second I got a mail saying we are unable to continue processing payments for this account. This is very bad and sad considering I've uploaded all my personal data on this platform. I'll like if my account can be restored to full functionality
Consumer complaint received 2024-07-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION (IA)

I have attached the complaint I submitted on XX/XX/XXXX and Iowa XXXX XXXX XXXX XXXX. I have highlighted in the response the inaccurate, and at this point it is fraudulent activity that XXXX engaged in between XXXX date regarding the servicing of XXXX private student loans. As you can see, XXXX issued me a 1099C in XXXX, in the attached document they state they have the right to do this because the " last payment '' on loan 's referred to as sequence XXXX ( disbursed XX/XX/XXXX ) and sequence XXXX ( disbursed XX/XX/XXXX ) were out of statue in XXXX. They state that the last payment on BOTH of these accounts was XX/XX/XXXX. However, the information attached- which was pulled from Iowa Student Loan 's website CLEARLY shows that the last payment on loan sequence XXXX ( disbursed XX/XX/XXXX ) was on XXXX XXXX ( NOT XXXX, XXXX, XXXX as XXXX XXXX states in her response. ) She continues by utilizing this " last payment date of XXXX '' as the reason Iowa Student Loan was in " compliance '' with issuing me a XXXX XXXX. As you can see in the document I provided showing the accounting history on the sequence XXXX loan ( disbursed XX/XX/XXXX ) - payment WAS received and credited toward the balance on XX/XX/XXXX. This account did not meet the " rules '' of 10 years without a payment ( statue of limitations ) XXXX XXXX outlined in her explanation to my prior compliant to the CFPB- that would not have been met until XX/XX/XXXX per their own record pulled from their website and attached to this complaint. This amount should NOT be included in the XXXX XXXX as it does not meet the " rules '' XXXX XXXX and Iowa Student Loan state as " in compliance '' with the law. This is fraudulent practice that I will seek legal representation to rectify through the court system and IRS if it is not corrected with the IRS by Iowa Student Loan immediately.
Consumer complaint received 2024-07-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc. (FL)

I contacted the collection agency regarding debt reported to the major credit bureaus, I have requested multiple times to validate the debt ( provide how the amount was calculated, copies of paperwork showing I agreed to pay the amount, and provide license to collect debt in my state ) and they have yet to provide what I am requesting.
Consumer complaint received 2024-07-24
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Atlanticus Services Corporation (GA)

I want you to know that I understand my financial obligation, and if it werent for an unexpected death and a major XXXX from very close relatives affecting my household and income, I would have been able to continue making on time payments. I had to request personal unpaid time off from work for a mental break. I made a mistake in failing behind, but since then, I have been able to return back to work full-time. I can now officially pick up where I started and continue on a clean slate. 

Im planning to apply for a mortgage loan, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments and update my account on all 3 credit bureaus.
Consumer complaint received 2024-07-24
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I am writing to file a complaint against Bank of America because they made a arbitrary and unjustified decision to reduce my credit limit with no basis in fact for the change. I sent a letter to Bank of America on XX/XX/XXXX. asking them to restore my credit limit or provide additional information explaining the decision. Because of the potential for this change to have a substantially negative impact on my access to credit I am not willing to wait for Bank of America to respond. 

I received a letter dated XX/XX/year>, that lists three reasons that Bank of America elected to decrease my credit limit : Current or past delinquency on one or more of your accounts with us and/or our affiliates Recent trend in balance on one or more of your accounts, with us and our affiliates, compared to past balance Strength of payment on one or more of your accounts with us and/or our affiliates. 

As the letter advised, I immediately reviewed my credit report from XXXX XXXX. Based on the report as of XX/XX/year>, no evidence supports any reasons for reducing my credit limit. There is no indication of any late payments on the credit report, no irregular or rapid increase or decrease in my balance owed, and my payments have been consistent and automatic for many years. When my promotional rate on a portion of my balance recently expired, I ensured that my automated payments increased to cover the new minimums. 

The only recent change that occurred in my relationship with Bank of America or their affiliates was the expiration of my promotional balance transfer rate on a portion of my balance. The expiry is likely the real reason my credit limit decreased. There is no evidence on my credit report supporting the reasons given. As mentioned above, I needed to adjust my payments, and I did so before the XX/XX/XXXX due date, which was more than XXXX days after the date of the XX/XX/XXXX letter informing me of the decision to lower my credit limit. 

Because the decision to lower my credit limit will harm my ability to obtain credit and be used as a basis to either increase my interest rate or further decrease my credit limit. The justifications listed in the XX/XX/XXXX letter do not stand up to even the most cursory inspection of my credit report from XXXX XXXX or any of the other XXXX credit reporting agencies. 

This decision to reduce my credit limit is arbitrary and an attempt to manipulate my financial reputation. At worst, it is a cynical attempt to undo the promotional balance transfer rates Bank of America has previously offered. 

I have attached my most current credit reports and the letter I sent to Bank of America.
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 — Investigation took more than 30 days
Company: CBC Companies, Inc. (PR)

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX XXXX  LETTER NOTICE Dear XXXX : I am disputing the above-referenced debt. 

Please verify this debt as required by the Fair Debt Collection Practices Act. 
This is a formal request for them to reinvestigate. You are reporting incomplete and incorrect information. I am shocked and outraged that you have failed to maintain reasonable prosecutions in your trades and have published information in my completely incorrect report. 

The federal fair credit law requires credit bureaus to report only XXXX  % accurate information on credit reports. They must take the necessary steps to ensure that the information reported is completely correct and accurate. 

The following information should be reinvestigated. I respectfully request that you provide me with proof that this account belongs to me, specifically, a copy of the contract, or any other instrument that contains my signature. If you do not comply with this, this account must be immediately removed from my credit report as soon as possible. 

ACCOUNT : XXXX ( XXXX ) # XXXX ACCOUNT : XXXX XXXX  # XXXX Since XX/XX/XXXX, I have requested several disputes regarding these accounts and to date, they have been violating my rights, they do not respond to my disputes, they do not present evidence of their validity and they continue to report information from accounts that do not belong to me.
Consumer complaint received 2024-07-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (FL)

Subject : Complaint Against Venmo for Unresolved Transaction Dispute and Refund To Whom It May Concern : I am writing to formally file a complaint against Venmo regarding an unresolved transaction dispute and refund. Below are the details of my issue : XXXX. Financial Institution : Venmo XXXX. Transaction Date : XX/XX/year> XXXX. Incident Description : On XX/XX/year>, I sent money through Venmo to an individual who scammed me. I promptly requested an investigation and disputed the transaction. Venmo acknowledged the dispute and informed me on XX/XX/year>, that a refund had been approved and would be processed within XXXX to XXXX business days. 
Despite this assurance, I did not receive the refund within the stated timeframe. After multiple follow-ups, Venmo later communicated that they were expediting the investigation. Eventually, I received an email from Venmo instructing me to contact my credit card company/bank for further assistance, stating that the refund should be handled by them. 
XXXX. Communication Attempts : I have contacted Venmo more than XXXX times regarding this issue by phone, each time seeking clarification and resolution. I also reached out to my credit card company/bank, as instructed by Venmo, but they confirmed that they never received any refund or related communication from Venmo. 
XXXX. Resolution Sought : I am seeking the immediate processing of the refund owed to me, as initially promised by Venmo. Additionally, I request an explanation for the delays and miscommunication that have occurred throughout this process. 

This issue has caused significant frustration and inconvenience. I trust that the CFPB will assist in ensuring that Venmo honors their commitment and provides the refund I am entitled to. 

Thank you for your attention to this matter.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Systems International, Inc. (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions. Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presum that no proof of the alleget debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2023-10-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NY)

I applied on StudentAid.gov in XX/XX/XXXX for the XXXX application. I kept checking Mohela 's page but it just said " processing ''. When I called on XX/XX/XXXX the woman I spoke with told me there was an issue with the application so she started a new application with me and then filled out the request to pause upcoming payments until the SAVE application had been processed. That call was almost two hours before I was able to speak to her. On XX/XX/XXXX I called Mohela again because I received a letter stating I owed {$400.00} on XX/XX/XXXX. After XXXX hours and XXXX minutes on hold I spoke with a trainee who told me the SAVE application still hadn't been processed and a forbearance application was never processed either. She told me she couldn't help me and wanted to put me back in the queue to wait to talk to someone who could. I requested a supervisor, after 35 minutes she said she couldn't get a supervisor. After a lot of back and forth between us she found a customer advocate who processed the forbearance. As of today, XXXX, I still have not received anything about my SAVE application. It's very distressing and frightening to work with Mohela. I wish I had a different loan servicer. My XXXX has been so high for the last few months because of them. Please help. No one else will.
Consumer complaint received 2024-07-24
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE (TX)

To whome it may concern, I entered in a Consumer Credit Transaction with Barclays in which i gave them access to my open-end credit and received no equal value. 
Application XXXX Per 15 U.S. Code 1691A - IT IS UNLAWFUL FOR ANY CREDITOR TO DISCRIMINATE AGAINST ANY APPLICANT, WITH RESPECT TO ANY ASPECT OF A CREDIT TRANSACTION.

Denying me access to my securities is securities fraud which has a statute of limitation of 5years in Texas . 
Regardless of their reasoning for the denial I have a right to credit under the Equal Credit Opportunity Act and the Consumer Credit Act which are both being violated. 
Your prompt attention to this matter is greatly appreciated.
Consumer complaint received 2024-07-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (NY)

I opened my new Citibank checking account on XXXX XXXX online. My boss XXXX me money, I XXXX  some money to my santander bank account and sent money back to my Citibank account. Used the card once to buy food. My boss gives me a check on ( XXXX ) Friday. I upload it on the app via mobile deposit. All Monday ( XX/XX/XXXX ) I attempted to get online my account while I was at work. I get home from work after XXXX call Citibank and they tell me my account is locked. I have to call fraud department. Tuesday XX/XX/XXXX I call the fraud department. They tell me they are closing my account because something was fraud with the check. I asked they what was fraud about the check. I was told They cant give further details but they closing my account and I will get a check in 30- 60 days. I explained I opened this account to hold money to move. I need this money I have to be out this apartment by XX/XX/XXXX! I can send proof. I then get told go to the branch. I go to the branch near my job and the manager on XXXX XXXX XXXX ny tells me that they have my account locked to the point my money is locked so he cant even give me a check of the money I do have in the account. I asked my boss to send me a screenshot of Citibank taking the money out of the account. If Citibank denied the check, Wheres the money? Why wasnt the money refunded? I have uploaded another check from my boss in my XXXX account and there was nothing wrong with it. So I need my money and I need answers because Citibank isnt giving me any!
Consumer complaint received 2024-07-23
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (MO)

XXXX. I submitted an application for American Express Credit Card on XX/XX/year>. 
XXXX. My application was denied on XX/XX/year>, which constitutes Adverse action against a consumer is against the law according to the Equal Credit Opportunity Act, which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1602k. 
XXXX. I Then reached out to Investor Relations via email on XX/XX/year>, no response. 
XXXX. I checked my Consumer Report to of which my credit has been accessed to which I received no benefit, which is in violation of 15 U.S. Code 1042, U.S.C 1681m, and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not granted.
Consumer complaint received 2024-07-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I filed a claim with Bank of America as someone has withdrawn a large amount from my savings account without my consent. They came to a resolution and withdrew the credit to my account. They are not able to provide information as how the back office came to this conclusion. I demand that this is further looked into and investigated properly, as this is a violation of my financial welfare as this is a company that I had trusted with my life savings.
Consumer complaint received 2024-07-23
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (KY)

This debt is in error or fraudulent. I spoke with XXXX supervisor ID # XXXX on XX/XX/year> and verified that XXXX received the equipment required to return. He also accepted a final payment and closed this account during our conversation. These additional charges are unfounded.