davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (IL)

On XX/XX/XXXX. XX/XX/XXXX, and XX/XX/XXXX, I purchased shoes and bags from two international sellers worth a total of {$490.00}. The sellers had different names and accounts at PayPal but it appears now as though it may be the same seller targeting US buyers. Upon receiving the items, I realized the items were not as described. The shoes I ordered were size XXXX and yet received size XXXX. The bag came without the link. I immediately reached out to sellers upon receipt of the items to notify them of the discrepancy. They both immediately apologized and offered to give me a discount on another item and I refused. I am not sure what a discount on another item would do for me if I have shoes sitting in my house that don't fit. They are useless to me and so is the bag. I insisted on returning the items back for a full refund of my money. The seller ( s ) completely ignored me and cut off communications with me after lengthy back and forth. 

On XX/XX/XXXX and XXXX, I filed complaints with PayPal and was asked to submit documentation which I did, including pictures of items I was supposed to receive versus what I got. I also provided an estimate of shipping costs of over {$800.00} by XXXX and almost {$600.00} by USPS if I were to pay the return shipping to get the items back to the seller because I really wanted them gone. It made no sense for me to take such financial liability for the sellers fault. It would be different if the items I got were what I ordered and I decided to send them back. This was not the case. After multiple phone calls with PayPal to inquire into status of my complaints, the customer service agents assured me that they will contact the seller and request return shipping label for me so that I can send the items back because I shouldn't have to be responsible for the sellers ' mistake. Yet, instead of that, PayPal denied my claims after that. 

On XX/XX/XXXX, I called PayPal and was advised that the claims will be appealed and they were reopened. Then PayPal again denied them. And when I called today to figure out what's going on, I was advised that " PayPal can not make the sellers send return shipping label if they don't want to ''. This made absolutely no sense that the buyer should pay several hundreds of dollars to ship items back to XXXX that were different from what they purchased. PayPal gets a cut of the business but leaves the buyers stranded. Perhaps, the XXXX sellers know the prohibitive cost of shipping the items back and also know that PayPal will not hold them accountable. So, it appears the US is a dumping ground? And why would PayPal facilitate that?
Consumer complaint received 2024-10-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (IL)

I have been making monthly payments to XXXX  on my private student loans since XXXX  and the principal balance has barely decreased. Ive also never been offered any type of repayment options for my loans. Ive submitted the documentation for a co-signer release, as one of my co-signers is no longer living. However, XXXX  never responded to my request. All of my loans have high interest rates : 11.5 %, 13.25 %, 14.25 % and with having 10 years of payment history my loans shouldve been paid off already but I still have a {$4800.00} balance on my loans. I have paid more than the original loans were in interest alone and still have the principal balance.
Consumer complaint received 2024-10-24
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: GOLDMAN SACHS BANK USA (TX)

Complaint Regarding Disputed Transaction and Billing Practices Goldman Sachs Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding Goldman Sachs Bank USA ( Goldman ) in connection to its handling of a dispute related to my Apple Card account. This issue is particularly concerning given the Bureau 's recent order issued on XX/XX/XXXX, against Goldman for violations related to the Truth in Lending Act and Regulation Z. 

In my case, I have encountered similar problems. I am disputing a transaction with XXXX  ( Transaction Date : XX/XX/XXXX ; Disputed Amount : {$260.00} ; Dispute Case Number : XXXX ). Despite multiple attempts to resolve the matter with Goldman Sachs, I have been re-billed three times for the disputed transaction without any evidence provided to justify these charges. 

Goldman has failed to conduct a reasonable investigation, and I have not received the required resolution letters or any substantial response within the legally mandated timeframes. This echoes the Bureaus findings regarding Goldmans failure to handle disputes and its delay in resolving transaction disputes, as outlined in your recent announcement. It appears that Goldman is still engaging in unfair practices by holding me liable for this disputed amount without properly investigating or resolving the issue, which directly contradicts their legal obligations under the Truth in Lending Act and the Consumer Financial Protection Act of XXXX. 

To summarize my situation : I disputed the charge after XXXX failed to provide a return solution for an item that exceeded USPS weight limits ( over XXXX pounds ), and I was left without a valid shipping option. 
Despite escalating the issue to Goldman, I have been re-billed multiple times, and no evidence or investigation results have been provided by Goldman Sachs. 
Goldmans failure to appropriately handle this dispute and their disregard for legal obligations under Regulation Z mirrors the issues highlighted in your XX/XX/XXXX order. 
I respectfully request that the CFPB investigate Goldman Sachs 's handling of my case and take appropriate action to ensure compliance with the law. Additionally, I request that a permanent credit be issued for the disputed amount, as Goldmans handling of the situation has been both unreasonable and non-compliant. 

Thank you for your attention to this matter. I look forward to a resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am writing to formally bring to your attention that I have been a victim of identity theft, resulting in multiple fraudulent entries on my credit report. This unauthorized account and 3 inquiries were added without my knowledge or consent and require immediate resolution. 

Account - XXXX XXXX XXXXXXXX Inquiries - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> An official identity theft report has already been filed with the Federal Trade Commission ( FTC ), and I am requesting the prompt removal of these fraudulent items to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2024-10-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I deposited a check on XX/XX/year> through USAA 's mobile banking app and USAA put a hold on 50 % of the funds until XX/XX/year>. That's a week long hold. When I called USAA to ask them to release the hold, they said " the system '' wouldn't allow it and no one within the USAA banking system has the authority to release the hold. I asked them why they had put my funds on hold, and they said " the system '' has identified some irregularities. When I asked what the irregularities were, the customer service rep could not name what irregularities " the system '' had identified within my checking account, but rather read a script that gave a generic definition of irregularities. In other words, I asked specifically what triggered this hold and the representative gave me a word salad in response. I asked to speak to a supervisor and the supervisor pretty much did the same. The two people that I spoke to at USAA could not identify what transaction ( s ) triggered the one week long funds hold, but had supreme confidence that " the system '' was correct. They also both repeated several times that no one at USAA had any authority to override the system. I have lived through two major hurricanes over the last month. I lived through two long Florida states of emergency. I went a week without power. All the gas stations within a 10 mile radius of my residence ran out of gas for about a week. The unidentified " irregularities '' that USAA 's " system '' has flagged in my checking account are no doubt related to the extraordinary natural disasters that we just went through. I have been a USAA banking customer for 30 years and I can not remember any of my deposits ever being put on hold for a week. All of the sudden, USAA 's " system '' has identified a problem with my checking account. USAA 's " system '' and lack of customer support has had a negative knock on effect upon me. I have been forced to delay paying my creditors and it's damaged my credit score.
Consumer complaint received 2024-10-25
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Synovus Bank (PA)

I made a payment of {$300.00} on XX/XX/year> and it posted that same day. I noticed my credit limit was still at {$0.00} on XX/XX/year> ( my credit limit was {$300.00} ). I called and was told that since I used a new bank account the payment would post in one week on XX/XX/year>. 

XX/XX/year> still noticed my available credit is still {$0.00}. Called and was told that it would be credited to my account in 9 days after the posting date. Plus I havent been able to use the app for over 1 week since the initial payment was posted on XX/XX/year>. I have also been charged {$8.00} per month to use the card which I am aware of. 

It appears to me that XXXX XXXX XXXX XXXX  issued by Synovus Bank is reducing the number of days I can use the credit card in bad faith while charging me a monthly usage fee and holding my payment for 9 days. Plus preventing me from using the app to view transactions and make payments is downright unethical. 

They have since closed my account at my request and removed the monthly usage charge. However I just paid my annual fee in XX/XX/year> and asked for a partial refund of that since my request to close the account was due to their error and unethical practices. They refused.
Consumer complaint received 2024-10-25
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Portfolio Recovery called me after not calling me since XXXX. They called my father in Florida today and said " this is an attorney XXXX XXXX at XXXX and she will be filing legal action if she doesn't get a call NOW! 
I just received all 3 of credit reports, all I have is 2 from XXXX that I now found the proof that I paid the bill in XXXX and a judgement from somewhere I have no clue of what it is. 
A ladt named XXXX, called me 2 days ago, she stated she was from Portfolio Recovery and I told her I don't discuss on the phone and to send me anything she has in writing. Now they went and did a search and called my XXXX XXXX XXXX dad in Florida threatening me. They know full well that I have a new cell number bc she called me on it and I just put it on XXXX 3 days before the call came in. 
I have no idea what this debt is either because I have no information on any debt, except the XXXX which Idk how to send the proof.
Consumer complaint received 2024-10-25
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings (CA)

I paid {$250.00} in application and deposit fees to a property management company, XXXX XXXX XXXX XXXX, for an apartment rental at XXXX XXXX XXXX XXXX XXXX XXXX The application fee was {$52.00} and a refundible hold deposit of {$200.00}. I canceled my application the next day, after I found out that company had multiple law suits against them, and requested my deposit fee be returned. They said they would process it within 2 weeks. After a month of not recieving the money I requested that my bank investigate and I was given a temporary credit to my account. After they looked into the matter for me my bank told me they could not hold the money as it was a legal matter that I would have to persue. This was likely because they charged the non-refundible fee and refundible fee together in one transaction. The dates are as follows : Paid date - XX/XX/XXXX, credit to me XX/XX/XXXX, fees returned to property management XX/XX/XXXX. 
On XX/XX/XXXX I received a bill from XXXX claiming I owed a moveout balance of {$250.00}. All I did was fill out an application and attempt to get my refundible fee back. This company called and emailed me regularly from the end of XXXXXXXX XXXX XXXX XXXX I told them multiple times they had the money I supposedly owed. They threatened to make reports to keep me from renting anywhere and send this fraudulent debt to collections. 
At the end of XX/XX/XXXX I got a letter from IQ Data International Inc. claiming that I owed XXXX XXXX XXXX XXXX. I called and told them I did not owe them and in fact they owe me for my hold deposit. I provided them my proof of payment via the email they provided and they still reported it to the credit agencies. I have also opened disputes with XXXX and requested a fraud alert. XXXX is refusing to remove the item from my credit even with proof of payment. This can't possibly be legal. The original parties involved are reporting fraudulent information but I can't get this removed from my report.
Consumer complaint received 2024-10-24
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: ENCORE CAPITAL GROUP INC. (AR)

I contacted midland Credit Management on XX/XX/XXXX After receiving a letter of writ of Garnishment a default judgement from the XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX  ) against my wages from XXXX XXXX in XXXX XXXX XXXX. I contacted them again XX/XX/XXXX to attempt to mediate and settle the FRADULENT Debt and informed them if they continued the Garnish and attempt to collect the fraudulent debt I would be taking Legal Action against them. I am looking for Compensation for Damages & an IMMEDIATE END to the Garnishment. 

The original creditor was XXXX XXXX XXXX  on a XXXXXXXX XXXX XXXX for XXXX $ which i NEVER used and asked them to close. They have been trying to collect a balance since and I have repeatedly told them and midland credit management that this debt was fraudulent. I made contacted with numerous employees who boasted about their " WIN '' on a default judgement and that they did not have to PROVE anything. that if I could prove the debt was fraudulent they'd stop the judgement. Their corrupt and deceptive trade practices needs to dealt with immediately. I reached out to the XXXX Attorney Generals Office and have consulted several lawyers.
Consumer complaint received 2024-10-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX I tried to sent a wire transfer for {$10000.00} from my chase business account ( XXXX XXXXXXXX XXXX  ) to my Savings account at XXXX XXXX  when i was tying the account information instead of a XXXX y typed a XXXX, so i sent the wire transfer to a wrong account number. 

WIRE INFORMATION : " ONLINE DOMESTIC WIRE TRANSFER VIA : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XXXX XXXX : XXXX XXXX : XXXX XX/XX/03 '' I contacted chase multiple times and explained what happened and ask for a wire recall, i received a case number XXXX, on XX/XX/XXXX XXXX XXXX  answered : " UNABLE TO COMPLY DID NOT RECEIVE DEBIT AUTHORIZATION '' I called XXXX XXXX and they told me that the money didn't go trough because no one has an account with that account number, I called back chase on XX/XX/XXXX to see what happened and the man who assist me told me that i have to send them a secure message saying : " I WANT TO CANCEL THE RECALL AND DO THE AMENDMENT WITH THE CORRECT ACCOUNT NUMBER XXXX '' I called today XX/XX/XXXX to XXXX XXXX  to see if they can transfer the money to my XXXX savings account with the correct information and they are now asking for a " HOLD HARMLESS LETTER '' I called chase to ask them to send the letter and now chase is telling me that they can not send the letter because its not a fraud or scam wire transfer. 

I called back XXXX XXXX  explaining what chase told me and they keep asking for the letter, they have the money but they will not send it back if they dont receive the hold harmless letter. 

it has been 1 month and im really stressed, i just want my money back and it seems they are just back and forward with everything and dont want to help me
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

XXXX accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC (TN)

I have a unrecognized debt on my credit reports from " Credit Management Company ''. I have no idea who this company is and I never had any dealings with this company. This company is fraudulently reporting to the credit bureaus and damaging my credit score. They have reported to XXXX XXXX XXXX so far from what I seen by receiving credit alerts to my phone. 

XXXX file number XXXX XXXX XXXX file number : ( will login to retrieve it again )
Consumer complaint received 2024-10-24
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: GOLDMAN SACHS BANK USA (NJ)

This is in regards to an online scam I fell victim to from Purchaser XXXX for {$100.00}. I thought i was purchasing investment research, but it turned out to be a Stock picking scam.
Consumer complaint received 2024-10-24
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MS)

I went to an establishment on XX/XX/2024 and was charged {$620.00} when I shouldve only been charged {$410.00}. I brought this to the attention of the establishment and was told I would be refunded. I was then charged a second time on XX/XX/2024 for {$200.00}. I was refunded {$200.00} on XX/XX/XXXX. I am still needing a refund of an additional {$200.00} because in total I was overcharged {$410.00}. My credit card company repeatedly resolved the issue after I sent in documentation and they stated that the refund on {$200.00} was the resolution after i repeatedly informed them that is incorrect. I sent in documentation of receipts on XX/XX/2024 I was told on XX/XX/2024 that my documentation had been received and they are reviewing it. I called today on XX/XX/2024 because I received another email that my dispute was closed and I was informed by a XXXX that no documentation had been received.
Consumer complaint received 2024-10-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (IL)

I recently had a student loan transferred from XXXX XXXX XXXX, the original loan servicer with whom I had placed the application. The loan was transferred to Firstmark Services unilaterally, without my consent. I attempted to obtain information regarding this loan because I suspected that the terms on which it was being serviced differ from the terms on which I applied. I attempted to obtain this information via XXXX XXXX XXXX first but was unsuccessful, which I have since filed a complaint with the CFPB regarding. Nonetheless, the last thing XXXX told me was that I could obtain the documents that I am seeking from Firstmark Services. I called Firstmark Services ' customer service hotline and was informed by the agent that I could only receive Firstmark Services ' documentation of the purported loan terms, not the original documents created by XXXX at the time of the loan application and disbursement. These documents would be on Firstmark Services ' letterhead, they told me. I told them that this was inadequate, as it did not provide proof of the original loan terms, only purported terms. Nonetheless I agreed that they could send me their documents. The agent informed me that the documents were being sent and that I could check my email account for them. I did so, refreshing repeatedly while checking every inbox including the spam folder. I informed the agent that I did not receive the documents. She then pretended that she could not hear me and hung up. It has now been approximately 15 minutes since she hung up and I still have not received the documents. I then called back and a new agent answered. At my request, she put me on with a supervisor. The supervisor explained that the documents the original agent sent were not the documents that I had requested - instead, she had requested for me to be sent a payoff letter and account statement. The supervisor then indicated that I could in fact receive the documents I had requested in their original form on XXXX letterhead. She stated that she would put in a request to have those sent to me and I could expect them in 2-5 days. I stated that I would like that request to be made. Nonetheless, we have a situation where I had to escalate to a manager just to receive documents that I am clearly entitled to as a consumer. This is a pattern of behavior that I see with many companies where they create customer service barriers to discourage legitimate customer service requests. Accordingly, I still think this was an abusive practice and I would like to report it.