davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

For informational purposes, this is a joint account of individuals XXXX XXXX and XXXX XXXX, a married couple. 

Chase Bank authorized XXXX fraudulent transactions. Here below the events dated : On XX/XX/2024 - Debit card was reported Lost/Stolen to Chase Customer Service New card/number issued and mailed by Chase On XX/XX/2024 Package was reported by USPS as available for pickup ( Tracking Number : XXXX ) at XXXX XXXX XXXX XXXX XXXX XXXXXXXX On XX/XX/2024 XXXX went to the USPS Office and the package was not available for pickup On XX/XX/2024 A claim was open with USPS ( Service Request Number : XXXX ) regarding lost mail On XX/XX/2024 XXXX XXXX went to the Chase Bank XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX and reported the new card/number was lost Chase issued a replacement card with the same number * ( This was their mistake and the root cause of the fraudulent unauthorized transactions ) On XX/XX/2024 The replacement card was received On XX/XX/2024 XXXX XXXX received a text about a suspicious fraudulent transaction On XX/XX/2024 Transaction was reported as fraudulent On XX/XX/2024 XXXX XXXX and XXXX XXXX called Chase claims department to report XXXX unauthorized fraudulent transactions made on XX/XX/2024, for the amounts {$100.00} and {$190.00} at XXXX # XXXX and XXXX # XXXX in XXXX and XXXX XXXX  On XX/XX/2024, XXXX XXXX and XXXX XXXX received a notification from Chase Bank indicating that their investigation concluded the transactions were not fraudulent and were authorized.
Consumer complaint received 2024-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

On the evening of XX/XX/year> I sent a personal check ( {$31000.00} ) via XXXX to my XXXX. On the morning of XX/XX/year> I noticed in my USAA checking account the check had been cashed by an unknown person ( on XX/XX/year> ). I called USAA immediately and reported the fraud. I also have went to the local police to file a police report which they determined the check had been lifted from the mail and " washed ''. I have contacted USAA three times today to expedite the fraud case, but they still do not have the case assigned. I understand that time is of the essence and I requested my case get escalated given the large amount. I don't feel that they are doing everything possible to reach out to the other bank and freeze/recall the funds. This money is my life savings and I need immediate intervention.
Consumer complaint received 2024-10-02
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (IL)

XXXX XXXX sold me a phone I could not use under false pretenses in XXXX. The account later went to collections for {$1200.00}. The collection agency was XXXX XXXX  XXXX. Last year I contacted XXXX XXXX for a settlement. On XX/XX/XXXX I paid them {$600.00}. I have the bank statement to back it up. XXXX XXXX took the account back on XX/XX/XXXX and sent it to Jefferson Capital Systems. I attempted to resolve with Jefferson and no luck. I disputed through the credit bureau and no luck. My debt was paid thru a settlement offer and now my credit is being negatively impacted because of. I am currently waiting for XXXX to mail me the settlement paperwork payoff
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (GA)

Chase credit card - a XXXX chase card. I was having a hard time paying it after the interest free period was off they referred me to a debt relief program. I entered into an agreement with them, making payments and boom my account is now reported 60 days late. When I call to get a statement I can no longer receive them because the accounts closed and it will not show up on my online account because the account is closed. I am also not getting consistent information, the reps say the account is 40 days past due despite my on time automatic payment with the debt management company that chase referred me to. This company also allowed a third party to open this card that provided my wrong personal information this is fraud. I can not access my account due to this. Wrong email wrong address. It was a company that posed itself as a financial relief program
Consumer complaint received 2024-10-05
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (ME)

On XX/XX/XXXX my Chase card ending in XXXX was refunded {$1600.00} from a hospital vendor for a XXXX co-payment I made in XXXX on the same account with an earlier card that had since expired, and been replaced with this different-numbered card. 
On XX/XX/XXXX I called Chase and asked when the transaction would post to my account. The representative told me XXXX various timelines : immediately, within XXXX XXXX, or within XXXX business day. I asked this representative where the money was held before it posted. He did not provide that info. 
Approximately a week later I called Chase again and explained that the vendor had confirmed the payment was in Chase 's possession. The representative said that the vendor was " probably lying. '' I asked to be escalated to supervisors. The supervisor told me that refunds can take up to XXXX XXXX XXXX to post to my account. I asked why it had not posted yet, given that logic. She suggested it was a delay on the vendor 's processing, and that I should contact the vendor to request they claw back their money from Chase and pay me directly. 
On XX/XX/XXXX I called the vendor and requested they claw back their money and pay me directly. The hospital agreed to investigate their payment options. An hour after this phone call to the vendor, the payment posted to my Chase credit card account. 
On XX/XX/XXXX the vendor confirmed that since Chase had posted the transaction, they could not recover their money. 
On XX/XX/XXXX I called Chase and requested they send me the refund. Chase representative said that it could only be applied to future card balances. I explained that I would not spend any more money on the Chase card in question because of their behavior, and wanted the refund issued ASAP. The representative agreed to issue the refund within " XXXX XXXX. '' On XX/XX/XXXX I called Chase customer service, asked to speak to a supervisor and asked why I had not received the refund in the stated time frame. I explained that I had caught Chase in XXXX lies over this refund, and that I would accept the payment that day electronically. The supervisor agreed to investigate my concern on the call, and found that I had indeed requested the refund as I stated on XX/XX/XXXX in their records, but that the correct timeline was XXXX business days. I explained that I have asked throughout for written confirmation of my request, and that I did not believe Chase would return my money in a timely manner. The representative said that I should trust that they would issue me a refund by the XXXX business day and that my online account would reflect a XXXX balance. 
After the XXXX XXXX XXXX passed on XX/XX/XXXX, I do not see a XXXX balance on my Chase online account, no notice has been sent of a pending refund payment, and I have had no contact from Chase nor have I received a paper check, so I am using this complaint process to attempt to recover my money from Chase.
Consumer complaint received 2024-10-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc. (FL)

I am filing this complaint regarding the unlawful withholding of funds by Remitly and their lack of transparency, poor communication, and failure to provide an explanation or resolution. 

Details of the Issue : I attempted to transfer {$990.00} through Remitly from the account of XXXX XXXX XXXX to a beneficiary in XXXX, XXXX XXXX. The transaction was canceled by Remitly without explanation, and the account was subsequently suspended. Despite this, Remitly has withheld the funds and suggested that will hold for it over 10 days, leaving them in a pending status. 

XXXX XXXX has made several attempts to contact Remitlys customer service via phone, email, and chat and they XXXX himself XXXX XXXX also via whatsapp and his email, but no resolution has been offered. The only response received has been a generic acknowledgment that his emails were received, without any further action or explanation. A representative named XXXX advised XXXX XXXX to create a new account after couple attemting to sent the funds to XXXX occurred. But the same issue occurred with the second account, with the transaction being canceled again and the funds still withheld from XXXX XXXX XXXX bank account. 

This situation has caused significant distress, as XXXX XXXX, the intended recipient, is XXXX citizen, XXXX XXXX XXXX, legally XXXX, and relies on the funds for essential medications. Remitly 's continued withholding of these funds is unlawful under consumer protection laws and regulations, including the Electronic Fund Transfer Act ( XXXX ) and Consumer Financial Protection Bureau ( CFPB ) guidelines, which mandate transparency and fairness in financial transactions. 

Remitly has failed to provide any clear communication, has not returned the funds, and has taken no action to resolve this issue despite repeated efforts to contact them. 

XXXX Requested : I am requesting that Remitly immediately release the funds to the intended recipient or return them to XXXX XXXX account. Additionally, I request that they provide a clear and transparent explanation for the account suspension and cancellation of the transaction.
Consumer complaint received 2024-10-05
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (CA)

On XX/XX/year>, I made a large payment to pay off the statement balance of my account. This payment was made XXXX days before the payment due date. On XX/XX/year>, the payment cleared my checking account ; however, my credit card account did not reflect the change in my available credit limit. I called the company and was told the billing cycle has to end before the balance is cleared for use. I asked where in the credit card agreement does it say that and was told it doesnt. I asked to speak to a supervisor and was hung up on. I called back and the agent told me the credit line would be available in XXXX to XXXX more days. I hung up and tried to use the card on Thursday, XX/XX/XXXX. It was declined again. I then tried to use the card on XX/XX/XXXX and it was approved but my credit limit was still only a third of my line of credit, {$3100.00}, when it should have been all but about {$250.00} available to use on the card. I called back today, XX/XX/XXXX, was told I had to wait until XX/XX/XXXX for my billing cycle to end before all funds would be available to use. I asked again to speak to a supervisor and was hung up on again.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Systems,Inc. (TX)

A collection account from National credit system reported inaccurate information. According to Law FRCA Section B, it is illegal to report information on my credit report with out my permission. I demand to see verifiable proof of ( an original consumer contract with my signature on it ) that you have a file for the account. The account with XXXX XXXXXXXX XXXX was dismissed. See attached, and remove Immediately. This is inaccurate and I did not give permission to report this alleged account.
Consumer complaint received 2024-10-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Valor Intelligent Processing, LLC (TX)

I started receiving text from a collection agency, XXXXXXXX XXXX XXXX  on behalf of XXXX XXXX XXXX XXXX. When I tried to log onto their site, I received a " no account found '' message, so I assumed I received these texts in error. After receiving additional texts, I reached out to XXXX and learned that I have a {$130.00} bill for a XXXX XXXX in XXXX. This is my daughter 's vehicle which has a XXXX XXXX that is linked for automatic withdrawal from my bank account. The original bill was {$43.00} before they added all the late fees and turned me over to collections. I never received a bill from XXXX XXXX XXXXXXXX XXXX and it should have been withdrawn from the XXXX XXXX I told them I didn't know if or why it wasn't automatically paid, and I would be fine with paying the original charge ( which I never received a bill for ) but I believe this is a scam used to add on late fees in order to collect additional money from unsuspecting customers and I do not feel like I should have to pay all the late fees. I have a great credit score, because I always pay my bills when I receive one. Thank you for your consideration.
Consumer complaint received 2024-09-29
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Cedars Business Services, LLC (GA)

I am a victim of identity theft. There is a false address on my credit report that I have never lived in. Someone has also got a loan in my name through Cedar Business Services. I filed a police report. I tried to dispute through XXXX, but Cedar Business falsely verified my information leading me to believe someone has my Identity information as I have lost my wallet in the past with Identification pictures, and social security card. I am faithful in paying my bills on time, and this false loan taken in my name has deeply strained as I can't make any moves until its taken care of.
Consumer complaint received 2024-10-02
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: ROBINHOOD MARKETS INC. (IL)

Summary of My Issue for CFPB Complaint : On XX/XX/year>, I discovered that my Robinhood Gold Credit Card account had been closed without prior notice. When attempting to make a purchase, my transaction was declined. Upon contacting Robinhoods supportwhich only communicates via text messageI was informed that my account had been closed on XX/XX/year>. The reason given was transactions flagged for abuse of the Robinhood Gold Card rewards program, stating that my account was used for business-type transactions, which are prohibited.

I use the card as my personal credit card. Since my employer does not provide corporate cards, I occasionally use my personal card for work-related expenses and then submit receipts for reimbursement. I was unaware that this violated the cardholder agreement, and I was not given any prior warning or opportunity to rectify the situation.

I have always paid my bill in full every month and have never accrued interest or fees. Despite this, Robinhood has revoked my rewards points and cashback : I am unable to withdraw approximately {$170.00} in cashback that I had already earned.

They have not applied cashback on about {$22000.00} worth of purchases made before the account closure.

When I reached out to Robinhoods support to resolve the issue and requested to speak with someone over the phone, they declined, stating that they do not offer phone support. All I received were generic, boilerplate text messages, and they refused to provide further assistance or escalate my concerns effectively.

I find this situation extremely frustrating and believe I have been treated unfairly. I feel that Robinhood has : Closed my account without adequate notice or a clear explanation.

Withheld earned rewards and cashback without justification.

Provided inadequate customer support by limiting communication to text messages and not allowing for a meaningful dialogue to resolve the issue.

Desired Resolution : Reinstatement of my credit card account.

Restoration of my earned rewards points and cashback.

Clear communication regarding the specific violations and guidance on how to comply with the cardholder agreement in the future.

Improved customer support channels, including the option to speak with a representative over the phone.

I have made every effort to resolve this issue directly with Robinhood but have been unsuccessful. I am seeking the CFPBs assistance in addressing this matter and finding a fair resolution. 

Thank you for your attention to this issue.
Consumer complaint received 2024-09-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Coinbase, Inc. ()

My funds were liquidated from Coinbase after a couple of years of building my portfolio. They locked my account then they swept all my money. I tried to contact them multiple times unfortunately they didnt respond. I got an email stating that my funds were moved to the XXXX XXXX XXXX, I submitted my claim and they said I must wait for a few days at the XXXX XXXX XXXX, after submitting supporting documents they said I must wait for 6-7 weeks.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Consumer complaint received 2024-10-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (VA)

On XXXX XX/XX/year> I received a call from XXXX, and they said they were from XXXX  XXXX XXXX and that they were calling because someone had used my information to make payments through XXXX. They said they had used an old address of mine and my current phone number. There had been two transactions, one for {$990.00} and one for {$1300.00}. The woman on the line gave me a case number XXXX and a confirmation number XXXX. She then transferred me to someone who worked on their XXXX team to help me reverse the charges. He got me to log into my bank and send XXXX payments to XXXX XXXX using the case number as the contact number so that XXXX would refund those payments to me. I thought I was requesting a refund, not sending money. The first went through as {$990.00}, but the second payment was above the limit so he had me put it through at {$950.00}. He kept pressuring me and I kept hesitating so he pushed harder and made me feel as though I would lose all of my money if I didn't do this immediately and follow his instructions exactly. I asked for his name and some form of identification, and he said that he was XXXX XXXX and that his ID was XXXX. He told me to look at the number on my screen and said that it was verifiable as the XXXX  XXXX XXXX help line, so I didn't need to worry. He said I wasn't seeing the return of the funds because we'd made an error in the memo, and so the third time he had me send {$50.00} and write void instead of cancel in the memo. I was pushing back on him a lot because all of the alarm bells were ringing in my head but he had me so scared that I was still going along with it. He transferred me to his manager, who tried to reassure me and then said that now we'd wrapped up the XXXX issue there were other accounts my phone number was tied to and he needed to help me protect those. He asked me to open my XXXX app  and that's when I realized exactly what was happening. I kept him on the line while googling the number and saw that it was a scam. 
I called XXXX immediately but could not get through, nor could I on any subsequent attempts. I called Chase bank next and they explained that I had authorized the transactions so they were not responsible and there was nothing they could do. I called again later after I read that banks had begun reimbursing victims of imposter scams through XXXX, and they said they hadn't heard that, and reminded me that they were not responsible as I had authorized the payments.
Consumer complaint received 2024-10-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC (VA)

I was granted a XXXX XXXX dismissal and I paid XXXX cash to settle ALL my accounts which every single one was XXXX put on all my credit reports except XXXX with XXXX ( calvary portfolio now for XXXX ). I have been XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX and can no longer do XXXX  after XXXX  years per my team XXXX XXXX. This XXXX  XXXX XXXX was the result of being left destitute after my marriage of XXXX  years, and I am slowly still rebuilding XXXX  years later. Please help me put this debt where it belongs which is within my XXXX  XXXX XXXX from XXXX of XXXX  as I have an outstanding credit record for decades before that marriage as I funded his dreams which I had to learn the hard way to NEVER do again : ( Thank you in advance for your kindness and help with this matter. XXXX bless you!
Consumer complaint received 2024-09-29
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings (LA)

I legally broke a lease with XXXX XXXX XXXX and paid the lease break fee and final rent and utilities prior to moving out. A mont after i moved out i received a bill for these same fees from the apartment complex. I made numerous attempts to contact the complex to get this rectified but was never able to get anyone to respond or help me. I the received a notice from IQ Data international for this same debt. I contacted them within the 30 days to dispute and submitted proof of payment via multiple emails they provided. They still sent me to collections after numerous attempts to contact them to clear this up. I have provided in the document below a full timeline of all efforts and communication as well as bank statements and even confirmation from the apartment complex via email of the payments. I am happy to provide any other data such as phone records, original documents, or anything else. I paid this debts in full before the due date and this should never have gone to collections and when i submitted this data to collections they should never have turned me into credit bureau.