davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX I attempted to make a regular online payment on my CitiBank Credit card, due on XX/XX/XXXX. Unbeknowst to me the payment was set up from an account I dont usually use. I logged into my account on XX/XX/XXXX to confirm payment was posted and there was no notification of an issue with my payment. 

On the morning of XX/XX/XXXX I recieved an email indicating another payment method is required, which alerted me to my error. I resolved that my making a payment from my intended account the same day. When i examined the charges to my inactive bank account, it reflected that Citibank attempted three different times to obtain payment, without my knowledge or authorization, subjecting me to three different insufficient funds charges totally {$75.00}. When I called customer service, I was initially told, that is " what the system just does. '' I asked to speak with a person above them who them blamed my bank for running it 3 times. I asked for a copy of their ACH payment policy, which I was told I could find online. I could not. I asked to speak with the person above them, the call disconnected with no call back. 

I verified with my bank on today that Citibank did attempt to debit the account 3 total times on XX/XX/XXXX, XXXX and XXXX. I called Citibank back whereI was told there was " nothing anyone could do, its just that way. '' I asked to be escalated and again I was hung up on.
Consumer complaint received 2024-10-11
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MO)

XX/XX/year> XXXX XXXXXXXX : received email from USAA Federal Savings Bank, ( XXXX XXXX, Vice President, USAA Credit Card, USAA Federal Savings Bank ), concerning inactivity on my credit card account. To continue using the account, use the credit card. " If you want this account to remain open, please make a purchase before XX/XX/year>. '' XX/XX/year> XXXX XXXXXXXX : I attempted to purchase products on newegg.com and charge the credit card for the purchase, to 'make a purchase before XX/XX/year>. ' The purchase failed, due to payment declined by USAA Federal Savings Bank, Credit Card Services. 
XX/XX/year>XXXX XXXX XXXXXXXX : I called USAA Federal Savings Bank ( XXXX ) to attempt to resolve the issue. During the conversation with multiple bank representatives, I learned the bank ( USAA Federal Savings Bank ) had closed the credit card account in error ; other credit card accounts were also closed in error. I attempted to resolve the issue, reach a compromise, and have use of the credit card account ( now closed ) reopened and made available for use. I requested account reinstatement, due to the bank error.
Consumer complaint received 2024-10-21
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX we applied for a Business line of credit in person at the Wells Fargo Bank. After applying by giving our social Security numbers and our signatures, they sent us a adverse letter stating they couldnt give us the loan because our credit was reviewed by Wells Fargo and they stated our credit was denied because of what they had reviewed. 
According to TILA this is discrimination, and the laws are enforced by The FTC, and CFPB which enforces the ECOA. The Federal Reserve Office of the Comptroller and FDIC also has Fair Lending regulations and review banks practices, and Wells Fargo is clearly is in violation, which is subjected to fines, legal action from the regulatory bodies and lawsuits from the consumers, and i will be exercising those rights. 
We have declared that we are not minors, and that we have the capacity to contract. 

If Wells Fargo is denying us the credit then we would like to have our original application back with our wet signature. Which consumers have the right to ask for, according to Consumer Protection Laws, CCPA, and FTC. 
If they cant produce our original application that means they have securitized them and is trading them on the Stock Market and that is deemed securities fraud, and Trust fraud as we the beneficiaries did not get any benefit.

We can take it further and do an audit with a seven series Broker and get all the evidence to show that they are trading them.

We the consumers can not be denied credit by Banks or any financial institution, according to the Federal Reserve Board of Directors they are the only ones that can deny us credit.
Consumer complaint received 2024-10-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

As you can see my complain is very old regarding my account closing balance was not send to me till date as was promised After continuesly complaining i was issued a letter on your plateform to contact a particuler person and connect with him in person but that thing never worked out. 
I have already talked to bank directly but they are not giving satisfactory response.. 
I need the amount of XXXX $ now to be transfered to my external account. 
And not in form of cheque as they have already wasted more than 6 months
Consumer complaint received 2024-10-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (FL)

Im a long-time PayPal user who has never violated the Acceptable Use Policy. Despite this, on XX/XX/year> I received the horrible shock one afternoon of a You can no longer do business with PayPal email today. I know this was done in error as I never violated this policy mistake and needs to be corrected and restored to full functionality. 


I primarily use my PayPal for helping and supporting friends and family. In addition, my PayPal was recently authenticated and connected to a XXXX XXXX account where I received one ( 1 ) income withdrawal from XXXX XXXX. The XXXX XXXX account was not mine and was connected in error. It may appear as 1 person has 2 accounts. Everything I do on PayPal is completely legitimate. 
Now this was not meant to violate the AUP. To be honest, I have no idea what could have triggered this mistake. I reviewed it in close detail. I have since removed the paypal from the XXXX XXXX account.
Consumer complaint received 2024-10-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: FC HoldCo LLC (FL)

I currently have a loan agreement with flagship credit acceptance. I am behind on payments, after attempts to contact me this company is calling friends and family. I did not consent to them calling anybody not on the loan agreement or given as a reference.
Consumer complaint received 2024-10-15
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: ADP Inc. (AZ)

On XX/XX/XXXX I called wisely which is issued by XXXX XXXX XXXX to file a dispute because over XXXX thousands dollars was transferred from my pay card to someones XXXX XXXX without my permission they opened the dispute and said I would receive a letter to sign to receive the credit while they investigate time frame was 7 to 10 business days. I waited never received the letter I called them Friday XX/XX/year> they said sorry the dispute was closed XX/XX/XXXX when I asked why would you guys make me wait this long without telling me they said resolution was given 24hrs after I filed the dispute when I asked to speak to supervisor the supervisor told me that yes the process was done incorrectly they dont know why it was not investigated thoroughly because the time frame is not 24hrs however I have to send a letter to have it reopened then they proceeded to tell me the back office will call me within 24 to 48 hrs but I never received a call. They arent following the dispute policy they have in place and no one looked into my dispute its now been 13 business days and I still have no help
Consumer complaint received 2024-10-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. ()

I disputed a charge where items were not received from a supplier. The supplier provided a statement that the items were delivered with a tracking number. I submitted emails to Chase from the supplier where they agreed to refund my transaction as the item was not received. Chase refuses to reopen or appeal the dispute with the proof I provided.
Consumer complaint received 2024-10-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MO)

I had a fraudulent transaction on my PayPal account. They refuse to cancel it. I stopped payment at my bank, but PayPal is now sending me collection calls instead of taking the $ back from the scammer. This was supposed to be for a vendor spot at an event. When I called the venue there is no event and the FBI has been involved. PayPal refuses to cancel this transaction, even though I tried to cancel it within minutes. This scammer is still on XXXX scamming people because PayPal is being complicit in the theft. The amount is {$140.00}.
Consumer complaint received 2024-10-14
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (MD)

See complaint XXXX I formally request a copy of the XX/XX/year> letter supposedly sent to my current and only address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have requested this important letter and I have not received it. At this point I do not believe the letter was ever sent to me. In the CBNA response they do not deny the letter exists, however they did try to send me a summary ( smoke and mirrors ), to stop my continued request ; this is not good enough. I will not stop asking until I get a copy of the original letter, as I am entitled. 

I formally request a copy of the XX/XX/year> letter be attached to CBNAs response to this complaint. As well I request that a copy of my statement with the closing date of XX/XX/year>, be attached as well. 

At this point, I have no means of knowing month to month how much is debited from my account because CBNA refuses to send me a monthly billing statement ; list of what my interest is charged on this debt ; what my balance is each month. It is quite obvious that I am intentionally left in the dark about this account, as I will never know what is going to be debited and I am unable to file a Federal complaint and be able to justify my problem. I have never known corruption this vast.

I hereby waive any privacy concerns that may be listed in the documents and I request both documents be attached to CBNAs response to this complaint. It is quite obvious from the response to Complaint XXXX that CBNA will sell me any bill of goods to avoid my review of the full scope of the XX/XX/year> letter.
Consumer complaint received 2024-10-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (IA)

On XX/XX/year>, I made a purchase and it wasnt as described so I returned it and the company received it XX/XX/XXXX tracking # : XXXX. They admitted they got the item and I was waiting on a refund. I never got that refund so I opened a dispute on PayPal. PayPal denied my dispute because it said that the company said I sent the wrong item. I went back-and-forth and finally got XXXX XXXX to acknowledge that they had messed up and checked the wrong package. ( see my screenshot. ). I then contacted the executive office to reopen my dispute and they did yet they still denied it with all the proof uploaded. Now when you go into the dispute, it says I need to provide tracking information for the refund by XX/XX/XXXX but when you click into it, it says the dispute was already closed in the sellers favor. Ive had nothing but issues with PayPal.
Consumer complaint received 2024-10-23
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE (GA)

On XX/XX/year>, I purchased a {$130.00} Western Union money order at a XXXX XXXX in XXXX, Georgia. The money order was made payable to the U.S. State Department as a part of a replacement passport application. On XX/XX/year>, the U.S. State Department returned the unused money order and passport application due to an error. The money order was no longer needed and a refund request was completed on the Western Union website. On XX/XX/year>, I received an email stating that the refund request had been approved and that I needed to go to an agent location with the MTCN number and a government issued ID in order to receive the refund amount of {$110.00}. I physically went to three of the agent locations listed on Western Unions website and was told by a representative at each location that they did not process money order refunds. Western Unions customer service was contacted after the third location and explained the situation. That representative stated that they had a new refund process and that the only way to receive the cash refund was to go to an agent location. A fourth location was then provided by the representative. I called the location provided and was told by their manager that they also do not process money order refunds. Western Unions customer service was contacted for a second time and re-explained the situation. That representative stated that I should not tell the workers at the agent location that Im requesting a money order refund because they dont like to do them.
Consumer complaint received 2021-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

Hello I sent a letter regarding inaccurate and unknown things on my credit report to this day over 70 days ago on XX/XX/2021. I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Being it has been so long without a response I would like for the items to be removed from my credit report. These accounts are adversely affecting my credit report and costing me thousands of dollars in interest every day and it has been over 70 days so they should be deleted promptly. The accounts, credit reporting and items in question are inaccurate and incorrect and should not be on my credit report because they are not accurate and do not reflect the correct information.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. ()

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$31000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$4100.00} XXXX XXXX XXXX XXXX Balance Owed : {$4600.00} XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$31000.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$4600.00} XXXX  XXXX XXXX Balance Owed : {$100.00} XXXX XX/XX/year> XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$31000.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$4100.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX  XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (CO)

On XX/XX/XXXX, I submitted a dispute through the credit bureaus, in regards to bread financial that holds an account that I previously had with wayfair. In my dispute I stated that the account was paid in full. On XX/XX/XXXX, bread financial responded and said that the account was in fact not paid in full. This is not the case, this account was paid in full on XX/XX/year>. I have a XXXX dollar balance with a credit of XXXX dollars.That should be mailed back to me.Via check.
Consumer complaint received 2024-10-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

A bank account was fraudulently opened at Capital One in the name of our company. We first learned about the fraudulent account when our company received a statement for the account for the period XXXX XXXX XXXX XXXX XXXX The statement showed a {$5000.00} XXXX deposit from me, personally, which I never made, from a bank I have never heard of ( shown on the statement as XXXX  ). I immediately called Capital One to ask them to close the account, and to complain that the bank account was fraudulently opened, and that XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX  ) never authorized opening any such account, and that I not only wanted it closed but also wanted as much information about the account opening and the deposit as possible, to be able to investigate possible identity theft. The bank took my information, and said if I wanted to reach their fraud department I could only do so by fax and must include all my identification. I followed the instructions and faxed my ID and my questions to the fax number I was given. I repeated this entire exercise the next month when we received another statement, and again the month after, when we receive a third statement along with a notice that the account was overdrawn. I have not received any response from the bank to my questions. Each time I was told someone would get back to me, but no one ever did. After the third statement arrived with the notice the account was overdrawn, I was simply told not to worry, the matter was being looked into and the bank wouldn't be trying to recoup the money from our company. That was not a response but an excuse for not responding. I WANT INFORMATION how this ever could have happened in the first place. The bank was either negligent in checking the identity of whoever opened the account in our company 's name, or something else went wrong, but I can't get any information whatsoever from the bank. It's like talking to a stone wall. I am attaching for the CFPB my three faxes to the bank and most of the attachments to them ( but am not including my IDs, which were attached to those faxes ).
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 (KY)

I signed up for a product/service from XXXX. I received the product but never the services. I tried to contact them multiple times with XXXX response about scheduling lab work. This made me nervous so I canceled the service and put a stop payment on the company through Discover. Finally when I got in contact they admitted there was fault on their part and offered to credit me {$25.00}. The credit never happened so I contacted Discover again to dispute the transaction. For XXXX I never received the services promised from a provider, only an email. XXXX, they promised a credit I never received. Discover filed the dispute and sided with XXXX. XXXX admitted they failed to provide the initial refund, and my messages weren't answered so they offerd me a {$50.00} credit. When they issued it it failed to post to my Discover account. XXXX sent a screenshot of a credit that they tried to credit my account XX/XX/XXXX but say the charge back is still in place, it reversed XX/XX/XXXX on my statement, so they refuse to do anything and tell me to work with Discover. I've provided Discover with multiple emails from XXXX, showing the refund failure, the admitting they failed to credit {$25.00} initially, showing they were crediting me {$50.00}, showing the last XXXX of the card used. Discover now refuses to repoen the dispute for the incorrect amount due to " policy ''. Each company puts the responsibility on the other and neither will fix the issue.
Consumer complaint received 2024-10-11
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (NV)

On XX/XX/year> while trying to use my Apple Credit card issued by Goldman Sachs, they flagged my account for possible fraud and " restricted '' its usage. It is now XX/XX/year> and no one at Goldman Sachs has reached out to me to resolve this issue while I have made numerous attempts. They are making it impossible for me to use the credit card to make purchases. I have since paid the card balance to XXXX. Every time I call to get this " restriction '' lifted, I am advised that I will have to wait 10 business days. They continue to move the date further back every time I inquire rather than the original date of my complaint.
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: WELLS FARGO & COMPANY (MA)

My husband ( primary account holder ) was scammed by a taxi driver at the XXXX XXXX. He took a taxi ride from one terminal to another on XXXX. He paid with his Wells Fargo card and was told his taxi ride would be XXXX XXXX. They said he could not have a receipt because the machine was broken. He agreed to the charge at the time ( please note that the sign for XXXX  and dollars is the same! ). Instead, of XXXX XXXX, which is about {$20.00}, he was charged {$440.00} and charged twice ( {$440.00} and {$440.00} ) on his Wells Fargo statement. We immediately disputed these claims with Wells Fargo. They are reaching out to the merchant for one of the charges as it was fraudulent, {$440.00}, because they say no service was rendered for that charge. For the other charge, {$440.00}, they are claiming that it is a disputed transaction and not fraud because the driver did in fact provide us a service. While we explained that we agreed to the XXXX XXXX  charge, we did not agree to pay {$440.00}! We tried to reach out to the merchant directly for proof, but they are not responding. Wells Fargo is saying that because there is no receipt for confirmation, they can not escalate the dispute to XXXX and there is nothing else to do. Upon further investigation on the internet, the merchant, XXXX  has known to run similar scams for many people in XXXX, oftentimes involving taxis. Wells Fargo is saying we will need to pay the {$400.00} in this case because we do not have a receipt of our purchase and there is nothing else we can do.