davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

Sir/Madam, I am writing to bring to your attention a serious issue regarding a failed credit transaction into my bank account. Despite being promised by XXXX BANK OF AMERICA ] that the amount of [ XXXX $ ] would be credited into my account on [ XX/XX/year> ], the funds have not been received yet. 

The details of the transaction are as follows : - Transaction ID : [ XXXX ] - Date : [ XX/XX/year> ] - Amount : [ XXXX $ ] - Bank Account Number : [ XXXX ] I have already approached the bank 's customer service department, but they have failed to provide a satisfactory response. As a result, I am facing financial difficulties and inconvenience due to no fault of mine. 

I request your intervention in this matter to ensure that the bank credits the amount into my account immediately. I would appreciate it if you could also investigate this incident and take appropriate action to prevent such instances in the future. 

Thank you for your attention to this matter. I look forward to hearing from you soon. 

Sincerely, [ XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX ]
Consumer complaint received 2024-06-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

Sir/Madam, I am writing to bring to your attention a serious issue regarding a failed credit transaction into my bank account. Despite being promised by XXXX BANK OF AMERICA ] that the amount of [ XXXX ] would be credited into my account on [ XX/XX/year> ], the funds have not been received yet. 

The details of the transaction are as follows : - Transaction ID : [ XXXX ] - Date : [ XXXX ] - Amount : [ XXXX $ ] - Bank Account Number : [ XXXX ] I have already approached the bank 's customer service department, but they have failed to provide a satisfactory response. As a result, I am facing financial difficulties and inconvenience due to no fault of mine. 

I request your intervention in this matter to ensure that the bank credits the amount into my account immediately. I would appreciate it if you could also investigate this incident and take appropriate action to prevent such instances in the future. 

Thank you for your attention to this matter. I look forward to hearing from you soon. 

Sincerely, [ XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX ]
Consumer complaint received 2024-06-28
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Approximately 3 months ago, an unauthorized person accessed my online account and closed both of my accounts, Capital One Venture One and Capital One Quicksilver One. i informed customer service about this, that an unauthorized party closed my accounts after accessing my account on Capital One online. After informing them of this, i requested that my accounts be re-opened, since i did not close the accounts and Capital One did not close the accounts. the accounts were not closed by creditor or customer. they were closed by hacking or unauthorized access. Capital One refused to provide any assistance and also refused to reopen my accounts which were unlawfully and improperly closed.
Consumer complaint received 2024-06-27
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: Bread Financial Holdings, Inc. (KY)

I had XXXX XXXX XXXX credit card and when I originally made the purchase on the credit card but was declined. I then applied for a new credit card and was granted credit. I went to pay on the original balance of the card and somehow the payment went to the old account. I kept receiving statements, so I called to see what was going on with the card and they said I had not made a payment. I then paid the balance in full and the representative stated I should have received a refund of funds for {$160.00}. I let them know I did not receive funds for {$160.00}, so they requested a refund for me. 

I then received XXXX checks, XXXX that was cashable, the other is not cashable. I cashed check number XXXX. This check was due me and I cashed this check. 

I also received check XXXX which is not cashable and is over the 180 days in order to cash this check. This is what they are now charging me for on my credit card statement. I have spoken to them and they are stating it is too late to fix this and because I received funds, whether I cashed the check or not, I have to pay for this check plus late fees and it is going to collection ... and it is on my credit report. 

I do not know why they did not cancel the original refund or why I received both checks around the same time, however only XXXX check was cashed. The lady stated they do not have a way to check with their bank to verify if the other check was cashed or not, therefore, they assume I cashed it. 

I have attached copies of both checks and copies of statements including the one where it shows I am being charged for the refund. The check on the XXXX was the check that I cashed. The check dated XX/XX/year> was not cashed. I was originally due a refund for {$160.00} and I received a refund of {$160.00}. They never cancelled the original check. 

Can you please assist with getting this mix up resolved?
Consumer complaint received 2024-06-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (WA)

The Chase XXXX XXXX XXXX XXXX credit card does not allow me to connect a bank account to the credit card account. Thus, it is impossible to make a payment using their online system. This makes it impossible to pay the balance on time. 

Secondly, the account login system does not recognize my login information, so I have to change my password every time I want to login. This makes it difficult and frustrating to log in to their system. 

They seem to be doing everything in their power to prevent me from paying my credit card bill. This feels unfair and predatory.
Consumer complaint received 2024-07-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Meridian Financial Services, Inc. (NC)

I was learning how to read my credit report and discovered multiple charges that stated I owed for products I never owned and tried to dispute multiple times until I spoke with the credit bureau and they suggested I file a complaint with federal trade commission,
Consumer complaint received 2024-07-01
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (KS)

I have been receiving daily phone calls from Commenity ( sic ) Bank, regarding a XXXX XXXX account. The calls begin at XXXX a.m and go all day. I get burst of XXXX in a row. Always XXXX that shows " XXXX XXXX ID '' followed by XXXX other robocall numbers. Multiple voicemails a day as well.
Consumer complaint received 2024-07-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (DC)

To Whom It May Concern, I am writing to file a formal complaint against Chase Bank regarding an unjustified hold on a payment made to my business credit card account, which has severely impacted my business operations. 

Complainant Details : Name : XXXX XXXX Credit Card Number : XXXX Date of Incident : XX/XX/XXXX Amount in Dispute : {$12000.00} Description of the Issue : On XX/XX/XXXX, I transferred {$12000.00} to my Chase business credit card account. This transfer was intended to ensure I would be able to use the business credit card and that all business expenses would be properly deducted from my business account. However, Chase has placed this amount on hold for a " security review '' and stated that the funds will not be released until the XXXX of XXXX without further justification. 

Impact on My Business : The hold has prevented me from processing critical business transactions and caused damage to vendor relationships due to delayed payments. 
It has resulted in overall disruption to business operations, potentially affecting long-term business stability. 

I have contacted Chase customer service multiple times to request an expedited review and release of the funds. Despite my efforts, the issue remains unresolved, and Chase has not provided a satisfactory explanation or resolution. 

Desired Resolution : Immediate release of the {$12000.00} held by Chase. Audit of Chase business practices in that regard. Assurance that similar issues will not occur in the future. 
I believe that Chase 's actions are against consumer rights and represent a highly despicable business practice. I respectfully request that the CFPB investigate this matter and take appropriate action to ensure that financial institutions like Chase uphold their obligations to their customers. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue promptly. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (FL)

XXXX Previous complaint number In the previous complaint paypal rep said Im now able to transfer my crypto out of PayPal and be done with it once and for all. Yet here I am still stuck, unable to transfer my crypto out of PayPal, I get an error when I go to do it. Meanwhile Bitcoin has gone down another few XXXX and I AM FORCED TO LOSE EVEN MORE MONEY BECAUSE PAYPAL WONT GIVE ME MY MONEY BACK!!!! 
I have called customer service and they said they have to escalate it to a rep for review. This doesnt make sense since its already been approved in the previous complaint. CFPB I need your help BAD here, I am helpless and approaching XXXX. There is no reason why they wont let me transfer MY crypto out. They are just holding it captive for no reason. HELP!!!!
Consumer complaint received 2023-09-15
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. (TX)

In 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 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 2023-11-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am writing to dispute the presence of inaccurate late payments on my credit report, as listed in the report provided by your bureau. I have carefully reviewed my credit report, and I have identified inconsistencies regarding late payments that I believe are erroneous and require correction. 
XXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history XXXX XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history XXXX XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history XXXXXXXX XXXX XXXX XXXXXXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history XXXX XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history I have always been committed to maintaining a positive credit history, and I can confirm that all payments for the aforementioned account were made on time. I have maintained a responsible and timely payment history with the creditor, and there is no basis for the reported late payments on my credit report.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/year> ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED
Consumer complaint received 2024-07-10
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: T.S. Holdings (IL)

This company reported that I owe {$12000.00} to a rental company Ive never even heard of on my credit report. Ive been trying to get in touch with the company and no one answers the phone in the office I dont know how far the office is, I would drive to the location. This debt is preventing me from getting an apartment. I had my own apartment in XXXX before and now I live with my mom and Ive been living with my mother ever since
Consumer complaint received 2024-06-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (OH)

Original complaint was filed on XX/XX/2024. Shellpoint replied on XX/XX/2024 and did not factually report the facts. Please revisit complaint XXXX. 
I was approved for loan modification program in XX/XX/2024, payments under the new plan started in XXXX. I made my first payment online via XXXX. 
Payment was made on XX/XX/2024 as I was told that there was a 15 day grace period. Payments for XXXX and XXXX were done through my bank. They could not do payments electronically to Shellpoint, so a paper check was sent to Shellpoint by XXXX XXXX for XXXX and XXXX. 
The bank has withdrawn the money from my account and sent the payment to Shellpoint. The payment is not complete as Shellpoint has not deposited the checks sent by the XXXXXXXX XXXX. 
Shellpoint is not being honest in their response to the original complaint. 
I have tried calling and sending emails and letters but they are not answered by Shellpoint. XXXX mailed checks to Shellpoint XXXX XXXX XXXX XXXX, Michigan. This was what I was told by XXXX XXXX
Consumer complaint received 2024-06-27
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE (PA)

I attempted to speak with XXXX representatives from Barclaycard XXXX XXXX. I also requested escalation. I provided multiple forms of my identity to confirm that my account was closed so that no fraudulent activity occurs on an unused card. This company would not address my issue without my confidential social security numbers. There are multiple ways to confirm my identify of which I provided all. They did not confirm that the account was closed. This is unacceptable that they would not protect my identify by making certain this card was closed. No one was willing to assist me. This should be investigated as another credit card company was able to to do this by confirming my identify in a variety of other methods. Social security numbers must be protected especially when off shore operators are utilized.
Consumer complaint received 2024-06-28
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (FL)

ABUSIVE CREDIT PRACTICES HARMFUL AND INJURIOUS TO THE CONSUMER 1. Discover card restricted my account from purchases for 3 months without explanation, and then lowered my credit limit maliciously to harm and lower my credit score. Discover refuses to communicate with me regarding these matters. Discover lowered my credit limit only after i complained to their customers service. DISCOVER HAS BECOME PREDATORY AND ABUSIVE. 2. XXXX months ago i removed AUTHORIZED USER, XXXX XXXX from my Discover card. Discover is still reporting this authorized user to the credit bureaus for the purpose of damaging XXXXXXXX XXXX credit score as well.
Consumer complaint received 2024-06-28
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc. (VA)

Dear Credit Management LP Section 15 USC 1692g ( a ) of the Fair Debt Collection Practices Act states that a debt collector must send within 5 days after initial communication with a consumer, validation of debt that contains a statement that unless a consumer disputes the validity of a debt or any portion then the debt will be assumed to be valid, must send the name of the creditor to whom the debt is owed, and the name of the original creditor if different from the current creditor. I am unaware of this debt I also need to State I never received this notice prior to this being placed on my consumer report. If you believe your company sent out this notice according to the fcra then please produce my signed signature return green receipt which came via certified mail from your company. If youre not able to produce this simple information that Im requesting to prove your company in fact sent this notice to me and follow the law you must delete this account off my credit report immediately from all credit reporting agencies such as XXXX XXXX and XXXX
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WA)

For over The past few years, I have tried correcting the information showing on my credit reports. Its stating that it was discharged in bankruptcy. It was not a discharge. They were included in the XXXX XXXXXXXX and they were paid through the XXXX XXXX. By them stating it was discharged, its showing as if they were never paid and its derogatory on my credit report and harming my credit. Impacting my ability to purchase a home and my credit score. 

This is the XXXX courts definition of just charge and this does not apply to me! 

XXXX XXXX XXXX
Consumer complaint received 2024-06-28
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)

I recently contacted Chase Bank regarding an unauthorized charge of {$130.00} from XXXX on my account. Upon noticing this charge, I visited the XXXX website to investigate further. I discovered that my card information was indeed listed on the site, though I am uncertain how long it had been there. In an attempt to prevent any future unauthorized charges, I tried to remove my card information and was advised to close the store. 

However, approximately one to two weeks later, I was charged an additional {$130.00}. When I disputed these charges with Chase, my claim was denied on the basis that my information matched with XXXX. 

I would like to emphasize that I have never conducted any transactions, sold any products, or engaged in any business activities with XXXX. Consequently, I should not be held responsible for these charges for a service I do not use. 

Thank you for your attention to this matter.
Consumer complaint received 2024-06-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Dear CFPB Representative, I am writing to formally file a complaint against Bank of America ( BANA ) regarding their recent actions involving my longtime checking account. The abrupt closure of my account and the withholding of my funds have left me in an untenable financial situation that is putting my housing at risk. 


**Closure of Account** : - On XX/XX/2024, BANA closed my checking account without prior notice or legitimate cause. 
- I received a notification stating I would only regain access to my funds, amounting to my life savings, 45 days from the date of closure, specifically after XX/XX/2024. 

**Impact of BANA 's Actions** : - **Imminent Financial Crisis*XXXX : My rent is due imminently, and without access to my funds, I am unable to meet this critical obligation. 
- **Risk of Eviction** : The potential for eviction due to non-payment of rent is very real, threatening my housing stability and overall well-being. 
- **Further Hardship** : Beyond rent, I am unable to meet everyday expenses, including utilities, groceries, and other essential monthly obligations and can not feed my XXXX young children. 



I appreciate your immediate attention to this extremely pressing matter. Please contact me at XXXX or XXXX for any further information or clarification you may require. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX