davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-21
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/year>, my fianc referred me to open a Marriott XXXX XXXX credit card with Chase Bank. He had a promotional offer of receiving XXXX bonus points on his Marriott account if I was approved, and I'd receive XXXX bonus points upon spending {$3000.00} in XXXX  months. Fast forward to now after the first monthly cycle, and spending over {$6000.00} ( we are getting married soon ), Chase Bank decided to reward my Marriott account XXXX free nights, each worth XXXX points, which was not what I expected and wanted when opening this card. They misled me with the offer saying " you've been referred, receive XXXX points after spending {$3000.00} in the first XXXX  months '', and now they're claiming the offer was XXXX free nights worth XXXX points. Even their current offer is bonus POINTS not nights. I've contacted Marriott first, which couldn't help and said it's under Chase 's control. I spoke with Chase bank and spoke to a manager, who said she was the highest level to speak to in regards to a problem like this, yet she was still no help and refused to resolve anything for me.
Consumer complaint received 2024-10-21
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK (CA)

Hello. 

Discover sends us an exuberant amount of junk mail/solicitations via USPS. 

We reached out to Discover via email ( XXXX ) requesting they remove our address from their mailing lists. They replied, but would not remove our address. 

We dont do business with Discover, dont wish to do business with Discover, and didnt request to receive mail from discover, and yet Discover is making it difficult to remove our address from their mailing lists. Please remove. 

Thank you.
Consumer complaint received 2024-10-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (AR)

I did a debit to debit transfer on XX/XX/year>, it is now XX/XX/XXXX and I still do not have my funds.I have contacted my card company and they searched for all incoming transfers and they saw none for the amount o was suppose to receive from Moneygram.When I check on my list of transfers, it still says processing even though debit to debit transfer I usually get in minutes.
Consumer complaint received 2024-10-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NY)

I have a Venmo account and they are withholding my direct deposit pay and continually refuse to help and continue to hang up on me. The last supervisor I spoke with was supposedly named XXXX. She was condescending, interrupting and rude and hung up on me as did the 3 before her
Consumer complaint received 2024-10-19
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: Payfare International Inc. (VA)

On XX/XX/year>, I discovered unauthorized transactions on my XXXX  Dasher card, totaling {$69.00}. I immediately canceled my card to prevent further misuse and contacted XXXX customer service to report the issue and request a refund. I followed their protocol by promptly responding to all emails they sent as well as sending pictures for proof, but I was given multiple, conflicting confirmation numbers ( Calling multiple times for days from XXXX XXXX XXXX XXXX XXXX XXXX  which made the process confusing and difficult to follow. 

Despite my compliance, XXXX has exceeded the required 10-day period for resolving unauthorized transactions and has still not refunded my money. Additionally, my experience with their customer service was both frustrating and unprofessional. During one call, a representative hung up on me while I was explaining my issue, and I received inconsistent information that left me uncertain about the status of my claim. 

As a XXXX who relies on this income, the delays and poor handling of my case have caused financial hardship. I am seeking assistance to ensure XXXX investigates the unauthorized transactions properly, refunds the money owed to me, and addresses the unprofessional behavior I encountered from their customer service team.
Consumer complaint received 2024-10-13
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 (MN)

Downloaded an app that had a trial. They wouldnt let me cancel and charged me XXXX. The app was also useless, none of the advertised features worked. Disputed with Apple Card and they denied the dispute.
Consumer complaint received 2024-10-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (WI)

I didn't have a bank account of my own and had XXXX  XXXX XXXX XXXX weeks worth of payments into my son 's account. Chase Bank closed the account without notifying my son and locked his money as well as mine. They refused to allow me to go to a local bank and show them my ID and open my own account or release the funds. They claimed they couldn't verify my identity and made me go get a contract cellphone to be able to verify my identity through credit reporting and XXXX. I did all of this and my identity was verified through XXXX and then they said they can't verify my identity that way over two months later. XXXX  told me to have them return the funds to them and they would put them in my newly opened bank account and they refuse to do that as well.
Consumer complaint received 2024-10-18
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: DISCOVER BANK (GA)

On XX/XX/year>, a charge was made for {$280.00} to an apartment complex in error by me. I mistakenly thought that it was a XXXX  apartment complex. The same day I went in person to the office and spoke to a manager requesting a return of the refundable deposit amount of {$200.00}, not the non-refundable application fee of {$83.00}. The manager stated that she would have to contact the corporate office. When I did not hear from her after several days, I submitted a dispute with Discover. I received a temporary credit of {$200.00} from Discover and the investigation started. Approximately, two weeks later, Discover reversed the temporary credit and closed the dispute when the merchant submitted a copy of their check issued to me for {$200.00}. I received the check, and it was deposited to my account with XXXX XXXX. A few days later, XXXX notified me that the check " bounced '' and the {$200.00} was taken from my account. I contacted Discover notifying them of this development and that the dispute was not resolved due the actions taken by the merchant not acting in good faith, stopping the check. Discover refused to contact the merchant and told me that I would have to pursue resolution myself. I am now stuck having to pay Discover the {$200.00} disputed charge which was never resolved.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ID Analytics, Inc. (NM)

Incorrect credit reporting information and denial of consumer credit type of transaction and misuse of credit and lied to me and said I must give my social to receive services and thats not true see privacy act 1974 also collections department disregard UCC 3-603. Due diligence not done credit report is not equitable and fair. Not able to obtain credit for automobile despite being XXXX XXXX. How does that credit work again? Are we not entitled obtain loans because was denied credit due to billing errors and payments refused by credit union and dont bother referring me back to NCUA
Consumer complaint received 2024-10-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (NJ)

I placed an order from a merchant and it says on USPSXXXX that it was delivered but it wasnt. I never received the item, never signed for the item, there is not even any proof it was delivered to my address, yet I am being held responsbile. I have filed a claim on USPSXXXX but discover card will not reopen the dispute.
Consumer complaint received 2023-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (CA)

I deposited a check using the Chase mobile app on XX/XX/2023 for the amount of {$4100.00}. My account was restricted on XX/XX/XXXX, and later was closed. The reason given for the restriction was that the check was issued to multiple people and required additional review. I've called multiple times over the time period between then and now, and have been given multiple methods of verifying the issuance of the check by Chase, but none of them are feasible. The first method was to provide phone numbers for all parties involved in the check, which I did, but Chase informed me that they would be unable to use the provided phone numbers as they did not exist within their internal validation system. The second method was to request that the check be recalled by the writer of the check and to request them for a new one. This was extremely misleading and a waste of time for all parties involved, as Chase misadvised me to actions that were impossible for all involved parties. The issuer of the check and their bank informed me that they were unable to do so as Chase already cashed the check and was holding the funds. In summation, over the past few months, Chase has lied to me, wasted my time, held my funds, and closed my account without giving notice.
Consumer complaint received 2024-10-16
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: CITIBANK, N.A. (CA)

Using my BestBuy Credit Card I made a repair appointment with Best Buy at XXXX XX/XX/year>... .I then canceled the appointment 1 hour later on the same day at XXXX XX/XX/year>. 

I have written confirmation of the cancellation from the merchant. 

No service was provided. I received no benefit. 

BestBuy + BestBuy Credit card are not removing the charges of {$52.00} Even if per BestBuy Credit Card 's own letter ( attached ) the charges are supposed to be removed while in dispute ... these charges have yet to be removed from my account. 

BestBuy/BestBuy Credit card seem to be in cahoots and acting as the same entity.
Consumer complaint received 2023-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2024-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current (OH)

Current XXXX  XXXX XXXX XXXX FDIC refused to send my accumulated funds back to social security administration via XXXX  or direct deposit or to reported addresses XX/XX/year> after " identity verification '' I already provided. I reported identity theft in XX/XX/year>. I've had extended extreme difficulty accessing my account every since.
Consumer complaint received 2024-10-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Co-signer
Company: Navient Solutions, LLC. (CA)

I have always struggled to be able to pay my student loan payment every month and on time. Between the poor payment history ruining my grandfather 's ( cosigner ) previously great credit and Navient beginning to call us each 3-8+ times a day every single day from the first day after the payment due date until the full payment was made ( which meant often we would get nonstop calls for over a month or two straight! ), my grandparents were severely distressed all the time. My grandfather called Navient to see what needed to be done to have him removed as the cosigner on my loan and they told him that if the loan payment was made on time every month for 12 consecutive months that we could have him removed as the cosigner, so my grandparents, who were already retired and on a fixed income, set up autopay and began paying my loan on XX/XX/XXXX. They even paid it for an extra 5 months, a total of {$3800.00}, to ensure there was sufficient enough good payment history for him to be removed. When they called Navient to have him removed I forget the exact claims Navient made, but I believe it was that my loan type was not eligible to have the cosigner removed at all, ever. I began attempting to pay the loan myself again and still struggled to pay it every month and on time, and forbearances were very difficult to get, at most once or twice a year, and when I did get them they were never for more than 1-3 months, so the nonstop harassment calls from Navient continued and my grandparents credit suffered more as well. In early XXXX I wasn't in a position to be able to pay my loan so my grandparents began paying it for what was supposed to be a few months, just long enough for me to get back on my feet. Unfortunately I was laid off from my job at the end of XX/XX/XXXX, and between being in the height of the pandemic and having children at home with no reliable childcare I had to transition to becoming a stay at home mom, which meant my grandparents had to continue paying my loan and have done so every month since XX/XX/XXXX, totaling {$14000.00} that my grandfather would not have been responsible for if Navient would have been true to their word and released him as the cosigner.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAVALRY INVESTMENTS, LLC (MI)

1st I explained that my name was wrong on the accounts and when I explain to them and sent my correct name all they did was correct the name on the accounts and didnt take them off of my credit report if its the wrong name how can it be mine? Secondly the dates on my report say accounts were open coincide when I was XXXX I was XXXX XXXX XXXXo XXXX then two XXXX to XXXX. I have accounts opened in XXXX XXXX I am trying to sue these companies. Thirdly, I havent talked to anybody from these collectioncompanies and they are steady updating a date so they can reset seven years 10 years whatever that does but I havent spoken to anyone all I have done was disputed through the three credit bureaus, and they will not correct my credit report. If any accounts were open between the years of XXXX to XXXX with my correct name address and signature my signature then thats what I want to see but other than that it would be seven years from them dates right now they are trying to say that they contacted me and started my dates over to get another 7 to 10 years to have me with bad credit so its a lot of things going on with this complaint, but Im not getting any results
Consumer complaint received 2024-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/year>, my son XXXX XXXX fell victim to fraudulent activities. He was contacted by an individual via email regarding a job opportunity. As a XXXX XXXX XXXX was looking for a job to help with his school expenses, so he accepted the offer, believing it to be legitimate. The individual then deposited two fraudulent checks, each amounting to {$490.00}, totaling {$990.00}, into XXXX XXXX Chase Bank account. When XXXX informed me about the job offer, I immediately advised him to contact Chase Bank for assistance, as I suspected fraudulent activity. I also instructed him to inform the individual that he no longer wished to pursue the job. Subsequently, the individual instructed XXXX to send back {$500.00} using XXXX XXXX. Unfortunately, due to XXXXXXXX XXXX lack of awareness, he complied. Upon discovering this, I intervened and prevented any further transfers. XXXX then contacted Chase Bank to report the fraudulent activity. A claim was initiated, and the account ending in was subsequently closed. Furthermore, both checks were returned as Chase was unable to locate the account, confirming my suspicion of their fraudulent nature. Assuming that the matter was resolved, I attempted to open a new account for my other son on XX/XX/year>, only to discover an outstanding balance. Upon contacting Chase Bank, I encountered unhelpful and dismissive representatives. No one seemed to grasp the severity of my situation, and one representative even abruptly ended the call. I felt distressed and deeply disappointed by the treatment I received. After enduring two hours of frustrating phone calls, I was finally able to reopen the claim, only to receive another notification that the claim was denied and that the owed amount would be deducted from my current account. This is unacceptable. My son has been unjustly victimized by fraud. I urgently seek your assistance in resolving this distressing matter. Sincerely, XXXX XXXX
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX OF  XXXX XXXX XXXX OF  XXXX XXXX XXXX POSTAL SERVICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-15
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (VA)

This relates to a previous complaint but is independent of the previous complaint ( XXXX ). 

In response to a previous complaint, I was provided a letter ( dated XXXX XXXX XXXXXX/XX/XXXX ) and a point of contact with Bloomingdales/Citibank , N.A. : XXXX XXXX XXXX. In an effort to resolve my CFPB issue with Citibank, I sent them another letter on XXXX XXXX XXXXXX/XX/XXXX outlining the issues experienced, requesting the date I purportedly opted into paperless statements, and seeking redress in the form of removal of negative credit reporting. Having not heard back from Citibank ( a reoccurring themeXXXX ), I called XXXX XXXX on XXXX XX/XX/XXXX ; XXXX XXXX called me back on XXXX XX/XX/XXXX and advised she did not receive my letter and that no credits would be issued on the account. 

I realized today I misread XXXX XXXX 's letter of XXXX XXXX and believed they were crediting my account {$95.00}, not that she was iterating no additional credits beyond what had already been credited in the amount of {$95.00} would be granted. As such, my most recent payment of {$120.00} did not bring the account current. Therefore, additional fees and charges were assessed. 

The basis for my complaint is I believe Citibank , N.A . is purposefully ignoring correspondence from its cardmembers and charging exorbitant fees as a business practice. 

I have made numerous efforts to resolve the delinquencies on my account arising from account statements I never received. As I stated in my XXXX XX/XX/XXXX letter, " fees and interest would not have continued to accrue and the negative reporting would not have occurred if Bloomingdales/Citibank , N.A. provided the requested information in response to my XX/XX/XXXX, letter. '' The XXXX XXXX letter is attached. [ Please note, the requested statements were received after the letter was mailed, so I now am able to crosswalk the account statements, as attached. ] My credit score was over 800 when this XXXX  began, and it has fallen to the 600s due to the negative credit reports. I have sought and continue to seek a fair resolution to what originated as a simple issue. I have operated in good faith. Citibank 's charges are not fair or reasonable considering they have blown off all attempts to resolve the issue ( short of payment ) since XX/XX/XXXX. As such, I conclude they purposefully are not acting in good faith, ignoring my letters in order to enrich themselves through the assessment of unreasonable fees.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (PA)

Please note the attached documents and correct the erroneous reporting on the GENESIS Financial Account. Please see the attached complaint letter, email communication and call log screenshot. GENESIS reported me as 30 days late in error. First of all I was only 21 days late at the time of the reporting. Secondly they sent my final bill to the wrong address even thoug I corrected the address twice.