davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (WA)

On XX/XX/year>, I used my debit card at a gas station for exactly {$20.00}. I had {$44.00} in my account. Cashap completely drained my account for every cent. I had no choice but to go to work ( which is an hour and a half away ) with no food or anything else for lunch on a 12 hour shift. Cash app then returned the unspent funds back to my account nearly an hour later. This isn't the first time. On several occasions, the funds did not get released until as much as 24 hours later. By this point, I can't go to a grocery store, convenience store or other places of business for food and I can't just turn around. NO OTHER FINANCIAL INSTITUTION DOES THIS. Cash app calls their card a DEBIT CARD but does not follow the legal statutes of what makes a debit card a debit card in the first place. This is an unfair and immoral business practice of cash app to withhold customers finances against their wishes or consent for unspent funds. Such a practice deprives customers of access to their Legally acquired and rightful finances that they may need for other needed expenses.
Consumer complaint received 2024-09-06
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: MARINER FINANCE, LLC (IL)

We took a loan out with Mariner Finance in XX/XX/XXXX as an installment loan. We fell behind in payments for a few months but waws able to bring the account completely current as of XX/XX/XXXX and have been current ever since. We were surprised to receive a summons to appear on this loan through small claims court for XX/XX/XXXX last week and today we have attempted to make our regularly scheduled payment and have been restricted in doing so via debit card ( which is only way they will accept payments along with a fee ) which has now placed us as of today late by no fault of ours. 

I feel this company is predatory and not fulfilling their obligations under the truth in lending agreement and forcing us through a legal process despite being current as of today.
Consumer complaint received 2024-07-08
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: Experian Information Solutions Inc. (MI)

I am submitting a complaint to notify you that I have been a victim of fraudulent activity. In my research on removing fraudulent items from my credit report, I discovered that I need to file an identity theft report with the Federal Trade Commission at https : //www.ftc.gov. According to FCRA section 605b, Credit Reporting Agencies are required to remove any items listed on an identity theft report, referencing number XXXX. The attached documents should help in removing the erroneous personal information and inquiries on my report. The unauthorized items are : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XX/XX/2023. According to FCRA Section 605B ( a ), Credit Reporting Agencies must remove any items identified by the consumer as resulting from identity theft within XXXX business days of receipt.
Consumer complaint received 2024-09-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: TransferWise Ltd (TX)

Dear Consumer Financial Protection Bureau, I am writing to submit a formal complaint against Wise ( formerly TransferWise ), a financial service provider, for unjustly closing multiple accounts under my control without providing any reason or prior warning. The affected accounts include XXXX and XXXX. 

These closures have severely impacted my ability to manage the finances of my various businesses, particularly Personal Accounts on XXXX account and my Company Accounts on XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, which is integral to my livelihood and the well-being of my family, including XXXX children. 

Wise 's actions have left me unable to receive payments from my customers or pay my suppliers, causing significant financial distress. Despite my attempts to resolve the issue directly with Wise, I have not received any satisfactory explanation or assistance. 

I request that Wise immediately reopen my accounts or, at the very least, provide a detailed explanation for their actions. I also seek compensation for any financial losses incurred as a result of these closures. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENOVA INTERNATIONAL, INC. (GA)

I called NetCredit some months ago to figure out how to catch up on my payment. They offered to stop my current payments of {$130.00} biweekly and have me pay {$92.00} a month until caught up. I have been sticking to that agreement and I am actually done this Friday and can proceed to my biweekly payment. The issue is every month Netcredit has reported me as delinquent. Im not - I have been paying {$100.00} a month even to hurry up and catch up. I dont understand how Im reported as delinquent when Im paying the agreed upon amount as was agreed. I believe this is a major error as its saying I have been late XXXX  times.
Consumer complaint received 2024-07-08
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. (AZ)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX 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. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

I submitted a new, XXXX  application to change from XXXX to XXXX, beginning XX/XX/year> and multiple times in XX/XX/year>. MOHELA deleted from their website that I submitted these documents, under their " Documents you sent to us. '' Since XX/XX/year>, I emailed MOHELA several times to confirm receipt of my XXXX application and to date have not processed the XXXX application. I submitted XXXX complaints to XXXX regarding this matter, most recently XX/XX/year>. 

MOHELA continues to leave me in XXXX and in forbearance, which will not count towards XXXX. The email responses they provided continue to only refer to XXXX  certification, despite the fact I submitted the new application to change to XXXX. I submitted directly to MOHELA 's website. Processing of the XXXX application should not place me in the same forbearance category as XXXX, which will allow for continued XXXX counts during the processing period.
Consumer complaint received 2024-08-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BTH Management (TN)

I am very upset two collections have recently appeared on my credit report under my name.l that I am unaware of. These debts are unfamiliar to me, and I have not received any written notice or communication regarding them. 

Please note that I am unaware of these debts, and I do not believe they belong to me. To validate these claims, I request that you provide evidence of a contract bearing my handwritten signature. If you are unable to provide this documentation, I kindly ask that you remove both collections from my credit report within 30 days.
Consumer complaint received 2024-08-29
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 (PA)

Re : Incompetence and Unjust Charges by Shellpoint Mortgage Servicing XXXX Newrez Mortgage LLC I am writing to address the gross mismanagement and blatant disregard for customer welfare by Shellpoint Mortgage Servicing XXXX Newrez Mortgage LLC. 

Background : I am under a three-month forbearance plan, clearly stating no payments are required during this period. Despite this, your company unlawfully deducted {$2600.00} from my account. After days of complaints, you finally refunded the amount. 

Current Issue : Now, Ive received a letter demanding I pay back the {$2600.00} that was refunded, along with a {$50.00} fee for a " returned payment, '' totaling {$2600.00}. This is either gross incompetence or a deliberate attempt to exploit your customers. Your departments clearly do not communicate, as they seem completely unaware of the active forbearance plan on my account. 

Previous Complaint : I have already filed a complaint regarding the unauthorized deduction during my forbearance period. While that issue was eventually resolved, your current demands indicate that nothing has improvedit 's only gotten worse. Your company is incompetent and untrustworthy. 

Complaint Summary : Your company wrongfully deducted {$2600.00} while I was under an active forbearance plan. 
After refunding this amount, youve now demanded I pay it back, along with a {$50.00} fee, totaling {$2600.00}. 
This is harassment and a clear sign of either gross incompetence or intentional exploitation. 

Actions Demanded : Immediate cancellation of the {$2600.00} demand, including the {$50.00} fee. 
A detailed explanation of why this payment was refunded and why you are now demanding it back. 
A guarantee that no further unauthorized deductions or unjust charges will be made while I am under the forbearance plan. 
Immediate corrective actions to ensure this does not happen again. 

Conclusion : I am filing this complaint with the Office of the Attorney General in Pennsylvania, the XXXX XXXX XXXX XXXX XXXX XXXX, and the Consumer Financial Protection Bureau ( CFPB ). Shellpoint Mortgage Servicing has shown nothing but negligence, incompetence, and a lack of integrity. 

I demand immediate action to correct this egregious behavior.
Consumer complaint received 2024-08-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America removed my autopay arrangements for my credit cards in XXXX without my knowledge, which then resulted in late fees and a XXXX late payment to show up on my credit report. I could have caught this in the XXXX monthly statement, but I was on travel and had to rely on the autopay option. I believe Bank of America may have tampered with my autopay settings as a retaliation to me closing my checking account with them prior in XXXX, since I've never had problems with autopay in the previous XXXX years of banking with them.
Consumer complaint received 2024-07-05
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. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-09-09
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (AZ)

I paid off my AT & T Universal credit card on XX/XX/year> and was subsequently charged unaccrued interest. I called AT & T Universal card to request the interest be waived, but they said their system would not allow it. I requested a copy of the Cardholder Agreement, but I will not receive it for many days. I was able to find the definition for Grace Period on their website and it's clear that the Grace Periods are the time between the end of a billing cycle and the payment due date so the interest charge is valid given my end of billing cycle date was XX/XX/year> and the payment due date was XX/XX/year>. Note that I have minimum payment auto pay set-up so a payment was made on XX/XX/year> and the XXXX XXXX on XX/XX/year> reflected the XX/XX/year> payment. My issue is that when I used their app to pay-off the card, the XXXX XXXX amount did not include the unaccrued interest. I have paid off credit cards many times in my life and have seen this unaccrued interest show up on the next billing statement, but a simple call to the credit card company and they waived the interest every time until now. Its very deceptive that the definition of the Grace Period excludes payments that are made between the payment due date and the beginning of the new billing cycle which in my case is only XXXX days ; the XXXX, XXXX and XXXX. Its very deceptive that when I use their app to make the payment that the Current Balance amount does not have a disclaimer that it will not reflect unaccrued interest if outside the Grace Period.
Consumer complaint received 2024-07-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Idaho Housing And Finance Association (CT)

I have one months payment sitting in the suspense account that I need applied to the loan. Online payments have been blocked even when the account gets to less than 2 months behind making it difficult to make payments on the mortgage. I haven't had insufficient funds that would cause a block online. Online it shows an inaccurate amount of days past due which is why i would like to get the payment applied.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX credit division is reporting information from creditors that should have been removed after i filed and had my XXXX XXXX bankruptcy discharged. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Bankruptcy was filed ( XXXX ) and discharged ( XXXX ) reference # XXXX according to bankruptcy laws the above accounts should be removed from my credit report.
Consumer complaint received 2024-09-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc (VA)

Dear Consumer Financial Bureau, I am writing to formally report an unjust deactivation of my Venmo account. Venmo has cited that the reason for my account deactivation is due to the number of disputes I have filed. However, I find this reasoning flawed, as each dispute I filed followed the proper process and required submission of valid documentation. Furthermore, these disputes were reviewed by Venmo 's Account Specialist team, as per their established protocol. 

Filing disputes is not a violation of Venmos User Agreement or its Payment Protection Program. The process requires valid documentation and a thorough investigation, and disputes lacking sufficient evidence are denied. I am confused as to how simply exercising my right to file legitimate disputesespecially when buyer issues are often unavoidablecan be considered a violation.

The merchant I had ongoing issues with continued to cause problems over several months, and it would be unreasonable to expect me to ignore these legitimate issues. Venmos actions seem to imply that I should have let these issues persist, and now they have deactivated my account as a result. I believe this decision was made by their automated systems without considering the context or the validity of the disputes I filed. 

I would appreciate your assistance in having my account reinstated, as I believe this deactivation is not only unjust but goes against Venmos own policies regarding disputes and buyer protection. 

Thank you for your time and support.
Consumer complaint received 2024-09-10
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 have filed a dispute on XX/XX/XXXX with Chase Bank. I detailed with images of how i have never used digital wallet from which the fraudulent charges were made from XXXX. 7 total charges in the entire month of XXXX. None of the charges were mine. XXXX told me over phone that they agreed none of the charges were authorized by me, but from an unauthorized account. 
{$200.00} XX/XX/year> XXXX {$200.00} XX/XX/year> XXXX {$220.00} XX/XX/year> XXXX {$180.00} XX/XX/year> XXXX {$150.00} XX/XX/year> XXXX {$8.00} XX/XX/year> XXXX {$16.00} XX/XX/year> XXXX Chase has issued credit back to my account for only 4 of the 7.

{$200.00} {$16.00} {$8.00} are all still missing from my account. One Chase Fraud department representative argued with me that those transactions were pending and not posted. This is not true. They show as posted and the balance reflects that those charges were made and part of the same claim. I spoke to another who then told me those 3 charges were part of a different claim and that claim was closed. Why a different claim? I filed claim on ALL 7 charges in the month of XXXX. He clarified that they were " pending '' at the time of issuing claim ( that's what the first representative was trying to tell me as if it didn't matter to them that it did post after that claim ), yet could not care less that they DID post after. The amount was drained from my account and never returned. 
The 2nd representative told me i could not file another claim on the rest of the funds owed to me. They are refusing to return my funds for all of the charges. The first representative went as far as to tell me to forget about the total i was missing, and that they issued all i was owed. Forget about the {$220.00} still owed to me?

This is when i read online about seeking help from CFPB Attached is the email from XXXX. 

My original claim with Chase was detailing a digital wallet was used. i have never used digital wallet and showed image of my digital wallet showing no previous card used. I showed screenshots of that. I was receiving random XXXX packages for a XXXX XXXX  name to my address. Random packages contained baby bottles and lotions and dog treats. Nothing clearly totalling what was charged to me. I showed images of the random deliveries i was receiving. I showed a screenshot of the XXXX email after they told me that they processed all 7 charges by an unauthorized party and to immediately contact my bank.
Consumer complaint received 2023-12-19
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA (PA)

I received at letter from my student loan servicer yesterday instructing me to recertify my income or risk being removed from my IDR plan. ( attachment 1 ) I believe this letter was sent in error and fails to follow the IDR recertification rules listed on FSAs website. 

My IDR anniversary date or deadline is XX/XX/XXXX on both my FSA dashboard and MOHELAs customer portal. ( Attachments XXXX, XXXX and XXXX ) According to the FSA website, I have at least six months to recertify my income after the end of the payment pause ie not before XX/XX/XXXX. ( attachment XXXX ) FSA specifically says that recertification dates before XX/XX/XXXX will be pushed out by one year. ( attachment XXXX ) MOHELA has failed to follow FSAs rules. I need to be on IDR to remain eligible for PSLF. I can not get in touch with MOHELA because they dont answer the phone. Please correct my IDR recertification date to XX/XX/XXXX.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAINE & WEINER COMPANY, INC. (SC)

I received a copy of my credit report to find the following items to be incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX According to my records the information your are reporting on this account is inaccurate. I demand that you remove these accounts from my credit report immediately. 

By the provisions of the Fair Credit Reporting Act of 1970, 15 U.S.C 1681 et seq., I demand that these items b reinvestiged and deleted from my credit record. Please send me the names and address of the companies that you contacted so I may follow up.

Under The terms of section 1981 I of the Act you have 30 days from receipt of this information to verify this disputed information. In the event you fail to verify this data, of fail to respond to this request altogether, the disputed data must be deleted in its entirety. 

Also, pursuant to 15 U.S.C. Section 1681 d of the act please notify me when the item have been deleted. 15 U.S.C 1692g,15 U.S.C 1681 I 1A
Consumer complaint received 2024-09-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/year> Chase sent me email that they have closed my accounts, including my saving that has large amount of funds $ XXXX, that money is for my down payment as Im closing on my first home on XX/XX/year> and I have to have the down payment to close on the house, I told Chase I need my money they said the account closed and the fund is held till the back office finish the process and send me a check and its going to take XXXX days, I told them I cant I need the fund by Tuesday as Im going to the title company Wednesday morning to close on the house, and how come they never told me they were going to close the account so I can take my funds, they said they dont have to inform me, the person from the back office escalated the issue then Saturday morning on the XXXX of XXXX I called again and they said they but a note on the account to go to the branch and withdraw the funds, I went to the branch and they said they cant give it to me, I called the back office again and they said we cant force them as the branch manager refused to honor your situation, then chase back office told me they cant do nothing and they are sorry Im going to lose the house!!!, I explained to them its not just losing the house I have signed contract and I have to go with down payment, then they refused to continue the call.. I really need help. 

The Chase branch I went to XXXX XXXX XXXX XXXX IL