davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC. (AL)

I was given a simple interest loan. I was never explained the way the loan would work. I have tried to keep up the loan and interest just keeps piling up. I have recently tried to pay the loan for the amount of the original contract and was denied. I will end up paying over XXXX for a XXXX car. Not only that but I tried to pay a large sum on the account and was told I can only pay so much per 30 days. That is going to cost me more interest and I am just done. This is robbery and should Not Be allowed
Consumer complaint received 2024-10-23
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc (OH)

I opened a line of credit with Credit Fresh because I was having difficulties keeping up with smaller bills and basic needs after making payments. I received deposits a few times and then requested less and less as time went on but I was not aware that my payments were not being added to my principal balance. My payment history is also nowhere to be found on any part of my account. As the company mentioned when I filed my complaint with the XXXX XXXX XXXXXXXX XXXX As the average principal balance on your account fell into a bracket of $ XXXX {$1500.00}, you were charged {$85.00} in Billing Cycle Charges, which is an accurate charge that was disclosed to you on the Agreement document that you have signed. '' My payments were no less than $ XXXX {$99.00} which means they knowingly applied about {$15.00} to my principal balance and yes, though I signed an agreement, I had NO idea until I saw my remaining balance was almost next to nothing. I have paid about {$1200.00} and some change, and have about XXXX payments left, I borrowed a total of {$1500.00}.
Consumer complaint received 2024-10-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY (TX)

I received a letter from Wells Fargo about a loan modification I did years ago. I did receive a check with the letter but I remember when the loan modification process was going on, I told them the numbers did not add up and I was overcharged for the loan modification but there was nothing I could do about it if I wanted to keep my house at the time. I have sold the house and have gotten rid of the paperwork that I questioned, but Wells Fargo owes me far more than {$2400.00} for a {$15000.00} mistake they made but will not give me any other information and at this point, they will not return my calls.
Consumer complaint received 2024-10-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (NH)

I iopened a online acct with citibank to have check cleared funds despursted to citibank my acct I ope ed now I get a letter in mail 3wks later saying citibanks not opening me acct I ja e no access to the account and they have my {$600.00} in the account refuse to release it to me it s my $
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Advanced Resolution Services Inc. (AR)

To ARS & XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX File # XXXX You are required by law to report accurate information ... the information you are reporting has the wrong addresses, therefore it is inaccurate. I understand that under 15USC 1681i ( a ) ( XXXX ) ( a ) you are required to complete the reinvestigation within 30 days of receiving this notice. 

Reference # XXXX, Wrong Address, Delete & Remove Reference # XXXX, Wrong Address, Delete & Remove Reference # XXXX, Wrong Address, Delete & Remove The information listed above is inaccurate and does not reflect my true credit file, in accordance with 15 USC 1681i ( 1 ) ( a ). I am requesting that you immediately remove those files The addresses you have on these reference are not my address, my address is XXXX XXXX XXXX, XXXX XXXX AR XXXX ( ONLY )
Consumer complaint received 2024-10-21
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: Amscot Corporation (FL)

On XX/XX/year>, I visited Amscot- The XXXX XXXX  located at XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, to purchase a money order for {$900.00}. My partner and I needed these money orders to cover the first months rent and deposit for our new apartment. 

When we arrived, my partner went first. He asked for a money order for {$900.00} and paid in cash that he had taken from his wallet. The representative at the counter processed his request without asking for any additional documentation or personal information. 

I followed immediately after to purchase the same amount, {$900.00}, but I planned to use my debit card for payment. When I handed the representative my debit card, I was told that Amscot does not accept debit cards for money orders. In response, I went to the on-site ATM, withdrew the cash, and returned to the counter with the exact amount in hand. 

At this point, the representative asked me to provide my ID and required me to fill out a form requesting personal information, including my Social Security number, home address, and employment details. I was taken aback by this, especially since my partnerwho made the same transaction just moments earlierwas not asked for any of this information. 

I believe I was treated unfairly and subjected to discrimination during this interaction. My partner and I requested identical services, yet the requirements placed on me were entirely different. This inconsistency was not explained, leaving me feeling humiliated and unjustly singled out. 

I hope to raise awareness about my experience and prevent others from going through a similar ordeal. This incident reflects a troubling lack of fairness, professionalism, and transparency in the way customers are treated at this location.
Consumer complaint received 2024-10-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: HUNTINGTON NATIONAL BANK, THE (FL)

On XX/XX/year> a call was made to Huntington National Bank to make a payment after receiving notice from them a payment was not received. Spoke with a customer service rep name XXXX and made her aware that the State of XXXX  was under a State of Emergency by the Federal government due to XXXX XXXX and payments may be delayed by their consumers in XXXX. Nevertheless, inform her was unable to make payment online and need to make a payment for the month of XXXX. XXXX the rep said she needed to transfer me to the right department. Call dropped or termed. Return call to Huntington Nat'l and spoke with a second rep name XXXX. Preceded to repeat the awareness given to XXXX and again inform XXXX I needed to make a payment for the month of XXXX and transfer to department that handles natural disaster to defer a payment for the month of XXXX. XXXX informed me she would refer me to FEMA on that. XXXX also informs me I was not eligible for any defer of payment due to my eligibility is not until XXXX. I told her upon contract I was given XXXX opportunities to defer payment and don't know why I would not be eligible. XXXX also informs she need to get me over to collections. Why don't know for I am not pass due on any charges? During our conversation XXXX insisted on overtalking me on my concerns to give me Huntington protocols and policies. I then request to speak with supervisor, XXXX placed me on hold and call me a XXXX under her breath before transfer of the call. Received a supervisor on the line name XXXX and preceded to tell her my experience on the phone with XXXX. She apologizes for XXXX calling me a XXXX and preceded to tell me the name of the correct department that handle disaster. Upon awaiting the transfer, the call was dropped or termed, Frustrated with the process never call Huntington back
Consumer complaint received 2024-10-25
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: BARCLAYS BANK DELAWARE (FL)

i have inquiries from these company, these inquiries not is mine, not recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  de XXXX XXXX
Consumer complaint received 2024-10-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (CA)

I had initiated a transfer {$1000.00} on my Wells Fargo app on XX/XX/year> from my external checking account at XXXX. Wells Fargo deducted the funds from my checking account at XXXX on XXXX XXXX XXXX. It is XX/XX/XXXX and the funds haven't been credited to my checking account. Well Fargo has basically siphoned of {$1000.00} of my funds. 

I raised my concern with Wells Fargo in the morning on XX/XX/XXXX. I was told that I need to check with XXXX about the status of the funds. I called XXXX and they told me that the funds were auto deducted from the account and the transaction has been completed at their end. Further, since it is a direct withdrawal, XXXX doesn't have the details of the account number it was applied to in XXXX. 

I called Wells Fargo for a second time and despite me telling them what XXXX told me they were unable to help. The agent put me on hold to investigate and then disconnected the line. 

After a few hours I contacted Wells Fargo again and spoke with XXXX who again was of no help even after I provided the conformation #. He then transferred me to XXXX who kept insisting that XXXX is responsible and not Wells Fargo. I explained to her the same thing again and tried to impress upon her that the transaction was initiated at Wells Fargo and Wells Fargo had autodetected the funds and XXXX has sent the funds on XX/XX/XXXX. She asked me to file a dispute with XXXX and I told her that I have already reached out to them and would appreciate it if Well Fargo tracked the funds and deposited them into my account. Eventually, I tried a XXXX call with XXXX and Wells Fargo but unfortunately XXXX disconnected the call. 

I called again and this time I was on the call with XXXX who has been of no help and kept making excuses about the bank holiday etc. In my opinion, Wells Fargo needs to rectify the problem by depositing the {$1000.00}. Further they need to reimburse me for my time and the float they have earned for the extended period they have kept my funds.
Consumer complaint received 2024-10-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frost-Arnett Company (OK)

They called me and they were looking for a XXXX. I told them that wasn't me and to stop calling. They continued to call me. On XX/XX/year> I told them to take me off the list again after they confirmed I was not the person they were trying to contact.
Consumer complaint received 2023-03-22
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: Westlake Services, LLC (NY)

Dear Sir/Madam, I am writing to file a complaint against Westlake Financial Services for their failure to provide me with a lien release letter for my auto loan. Despite paying off my auto loan in 2017, I never received a release letter from Westlake. When I contacted them at the time, they were unable to provide one. Unfortunately, this oversight has now come back to haunt me as I recently attempted to transfer my car title and discovered that Westlake had not released their lien on the vehicle. 

Despite numerous attempts to contact their customer service and title department, I have been unable to obtain the necessary lien release letter. 

This has caused me significant inconvenience and frustration, as I am unable to complete the necessary title transfer for my vehicle. I believe that Westlake 's failure to provide me with the lien release letter is a violation of my consumer rights and has caused me undue stress and financial burden. 

I request that Westlake provide me with the lien release letter as soon as possible so that I can complete the title transfer process. 

Thank you for your attention to this matter. 

Sincerely,
Consumer complaint received 2024-10-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (CA)

On XX/XX/XXXX, I was scammed by an impersonator claiming to be a SoFI fraud agent. It was actually an account takeover fraud. The criminal transferred {$5800.00} to a XXXX XXXX XXXX account that they set up. 
Speaking with a SoFi agent they were dealing with multiple takeovers that week and were working on fixing the issue. 
They money was put back into my account on XX/XX/XXXX but they did not lift the restriction of the account meaning no transfers of my {$5800.00} will be allowed. I was told they are waiting to set up brand new account numbers since the original numbers have been compromised. 
Each time I call SoFi bank, they tell me someone will call when the investigation is completed. I press the issue the investigation is complete because SoFi put the funds back into my account. It's like each one speak to reads from a script and tells me there is no one they can transfer to that has further information like how long this process can take or if they can just send me a check for the {$5800.00}. They all say the investigation team will need to call me but I can't be transferred to them to speak to. 
This is by far the worst handling of fraud I've ever experienced. No way should anyone put their money in trust to SoFi bank.
Consumer complaint received 2024-10-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MI)

After I filed this claim I received a partial history PDF from XXXX. I have been a PAYPAL client since XXXX I have attached the evidence that many payments to me were NEVER " COMPLETED '', and show that they REMAINED " PENDING. '' The CFPB closed my case without any resolution, beside the PAYPAL company providing me with an " INCOMPLETE '' ACCOUNTING '' of ALL TRANSACTIONS. The report that I received only CONFIRMS MY MISSING PAYMENTS. There are more, dating back further on my XXXX XXXX accounting of PAYMENTS SENT TO PAYPAL. These are proof of my " MISSING PAYMENTS. '' SOME of them are documented here. HOW CAN I RECEIVE THOSE FUNDS NOW THAT WE HAVE FOUND THEM? ALSO, WHEN CAN I EXPECT THE REMAINING MISSING PAGES OF MY ACCOUNT HISTORY? 
Weve received your complaint. 
Well send you updates about your complaint along the way, but you can track the status of your complaint at any time on your Consumer Portal. 
COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Money transfer, virtual currency, or money service
Consumer complaint received 2024-10-14
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NC)

Comenity Bank a wholly owned company of Bread Financial charged a late fee of {$37.00} in XX/XX/XXXX because I made two ( 2 ) payments on XX/XX/XXXX for the month of XXXX and XXXX for the minimum amount due and did not realize the minimum was increased for XXXX which was printed on the XX/XX/XXXX statement after I made the two ( 2 ) payments for XXXX and XXXX. I contacted comenity ie Bread Financial and requested waiver of the late fee, at which time I was advised on {$15.00} could be removed based on my outstanding payment history. I brought to their attention the CFPB rule that went into effect in XX/XX/XXXX that requires credit card lender with more than XXXX XXXX consumers to lower their late fees from an average of {$32.00} to {$8.00}, and the client services agent advised she was aware of the rule but theyre still working on implementation and adherence to the CFPB Rule implemented over six ( 6 ) months ago. Comenity/Bread Financial serves over XXXX XXXX consumers and should be compliant with the ruling of the CFPB within a reasonable amount of time versus charging consumers a late fee that equates to the consumers minimum payment amount due for the associated month. This is not only deceptive but also abusive. I have worked for the financial industry almost 15 years and anytime there is a CFPB rule change, we immediately jump to action to ensure were in adherence and mitigate borrower harm but a lender that serves over XXXX XXXX consumers and many retail stores seems unable to execute in the same manner.
Consumer complaint received 2024-10-14
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: GOLDMAN SACHS BANK USA (TN)

I signed up for an Apple credit card via their refer a friend offer. I clicked the refer a friend link and was supposed to receive daily {$75.00} cash reward after my first purchase. The terms state that the award will show up after your first purchase. The terms do not specify a long-term waiting multiple billing cycles for the award to show up. I contacted Apple at least four times and spoke to at least eight representatives who kept transferring me laterally, because no one seemed to even be able to verify that I qualify for the reward Some indicated that it might take up to two billing cycles, but refused to send me those terms in an email. Apple/Goldman Sachs allegedly opened a case, but did not ever get back to me. I have wasted so much time on this. From what Ive read on XXXX forums, the {$75.00} was supposed to show up pretty quickly. Im fairly certain that the people Ive spoken to are lying to me or just deferring me to other people because they can not solve the issue on their own. This seems like a very fraudulent offer/advertisemnt.
Consumer complaint received 2024-10-09
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: GOLDMAN SACHS BANK USA (PA)

This is regarding a transaction disputed initiated for the transaction on XX/XX/year> in the amount of {$230.00} ( Dispute case number : XXXX ) I had sought credit card issuers customer service to request chargeback for the defective merchandise that the merchant has refused to refund. I had provided the card issuer all necessary supporting documents and information indicating that the merchant has not clearly and adequately stated their no return accepted return policy at the time of purchase. Return policy printed in the receipt post purchase is not valid and violation of state regulations concerning consumer rights. I request that the credit card issuer to reopen the chargeback and review the dispute and investigate if the merchant has complied with the state law.
Consumer complaint received 2024-10-08
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: AMERICAN EXPRESS COMPANY (MI)

On XX/XX/year>2024 I made a dispute with American Express for a transaction from XXXX XXXX, 2024 with XXXX XXXXXXXX XXXX XXXX. This dispute was a second attempt after the initial dispute was closed. The disputed amount was XXXX. ( a portion of the original amount ). American Express should have communicated information during the XXXX period of time. Each time i called to follow up they indicated that XXXX XXXX XXXX  XXXX had not reached out and I had to wait the XXXX period for them to close the case officially. I made multiple phone calls to the dispute team requesting any follow-up information to which they indicated that their " back office dispute team '' is still working on it. Still, I indicated that XXXX XXXX XXXX XXXXXXXX have not responded to their inquiry. At no point did anyone mention an insurance claim, however today i recived notice that my dispute was closed and an insurance claim was deined. I did not make an insurance claim, i was not trying to make an insurance claim. My dispute was in regard to XXXX XXXX and the lack of evidence and response to their claim of damages. XXXXXXXX XXXX XXXX XXXX  has not responded to me in over 1 year. They claim over XXXX $ in damages. With no evidence or communication regarding the matter. American Express asked for a detailed estimate from a repair shop to which they did not receive. I
Consumer complaint received 2024-10-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

portfolio recovery refuses to provide a paid debt letter after being paid the full collection the amount was {$2900.00} and they stated I should pay {$2000.00} and they would properly recorded with the credit agencies- to date they show a balance of {$840.00} though the debt was paid for {$2000.00} so it should be a XXXX balance. 
upon calling the XXXXXXXX XXXX XXXXXXXX advised they own the debt but portfolio recovery is reporting it as their debt on my credit - XXXX olcese rep states she can't do anything about it because i filed a dispute which I did not. portfolio recovery or weber olcese filed an internal dispute and refuse to provide me with a receipt and a paid debt letter for my mortgage company.
Consumer complaint received 2024-09-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALLY FINANCIAL INC. (KS)

XXXX XXXX XXXX has harassed me over me account that they purchased originally from some company I have never opened a credit card with and have no knowledge of the account with The XXXX XXXX XXXX ( XXXX ) account ending in XXXX from Ally bank. 
I have told them I was a victim of identity theft and fraud and this account was a result of identity theft due to the 2017 XXXX data breach and have provided them with ample evidence and proof in regards to the matter that I have suffered from identity theft. In which I am working with the XXXX XXXX XXXX provided by XXXX to help with this matter as well. I have disputed this matter several times with them and have even requested all the documents and evidence be provided to me under the Notice to Furnish with XXXX XXXX never responding or providing me with any sort of documentation as I have requested. I disputed this matter and they claim to have never received any disputes however it shows on my credit report that I they have received the dispute. Yet they fail to provide me with any sort of documentation proving that it was my signatures or anything else in regards to this account. Im completely fed up with playing this game with this company and I see why theyve been sued so many times.
Consumer complaint received 2024-09-30
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Westcreek Financial (NJ)

I entered into a 120 day loan and when I gave the information to process they have never did it and the next day when I called they refused to assist me and said the full balancer was owed and I was warned that they indulge in deceptive practices and they are doing things illegal.