davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I opened Capital One 360 checking & savings accounts because they had competitive savings interest rates and offered no-fee overdraft protection. Since opening the accounts, I have on occasion needed to utilize this OD protection service. Initially, this was a mostly transparent service. If I maintained a regular direct deposit of at least a certain amount of money over a certain number of months, CapOne would pay an overdraft and not return the transaction to the vendor. I have always maintained my accounts in good standing, but suddenly this year, CapOne stopped paying these overdrafts consistently. One month, I might have a {$150.00} transaction post and my account might go negative by {$110.00} for a few days, the next month, a {$15.00} streaming charge would attempt to post and would be rejected by CapOne. There is zero consistency now. Im encountering an avalanche of NSF charges from vendors because CapOne wont allow any overdrafts to post at all, even pre-authorized subscription charges or pharmacy/food transactions. Ive attempted to obtain clarity on CapOne policies, since one month my account might be overdrawn {$15.00} and another month {$94.00} ( all normalizing eventually and maintained in good standing when all is said and done ). CapOne will then refer me to their no-fee written policy, which in my reading of it, should have allowed all of these periodic transactions to post pending my deposits. The lack of consistency, and the constant obfuscation by their customer support, has led me to believe they are not actually offering no-fee overdraft protection at all. Whats more, is that a customer is not allowed to change their overdraft preferences if the account is already temporarily negative. If I selected no-fee as a preference toggle and then a transaction pushes my balance to - {$10.00}, and then I soon recognize the importance of this and realize I need a larger payment to post imminently and with no issues, I can not go back to CapOne and change the OD setting to a fee-based overdraft in order to guarantee the payment will clear even if I pay them extra for the privilege. This has completely derailed my personal finances at this time because I am unable to plan or prepare for these bumps in the road when my bank keeps moving the goalposts.
Consumer complaint received 2024-01-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My XXXX debit card was fraudulently charged {$380.00}. I tried disputing these charges XXXX times while also submitting a police report and my driver license. Bank of America continues to deny the claim without investigating anything. They keep saying that because the card was in my possession that its basically my fault. I have no clue how a scammer got my card info but they did and I cant afford to lose {$380.00} because the bank doesnt want to actually investigate and arrest those responsible. I live paycheck to paycheck and can not afford to just give away {$380.00}.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (CA)

I am now using this platform to enforce my privacy rights of my nonpublic personal information as CFPB is the enforcement authority for the Fair Credit Reporting Act. 

I have sent WELLS FARGO an OPT OUT notice to protect my private nonpublic personal information which is aligned with 16 CFR 313.1. As a federally protected consumer per the FCRA I am requesting again to enforce my rights per 15 USC 6802 TO OPT OUT of sharing my nonpublic personal information not be disclosed to nonaffiliated third parties such as XXXX, XXXX AND XXXX WELLS FARGO is in violation of the Privacy Act of 1974 as they have already received in writing notification and instruction from the consumer, me on how to exercise and share my non public personal information. 

P

er 16 313.15 Other exceptions to notice and opt out requirements. ( 1 ) With the consent or at the direction of the consumer, provided that the consumer has not revoked the consent or direction ; Per 15 U.S. Code 1681b ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Per 15 U.S. Code 1681a ( 2 ) the term consumer report does not include ( i ) report containing information solely as to transactions Take this as my consent as a federally protected consumer : I ENVOKE MY RIGHT TO EXERCISE MY WRITTEN INSTRUCTION TO REMOVE SOLE TRANSACTION HISTORY AND MY NONPUBLIC PERSONAL INFORMATION FROM SAID nonaffiliated third parties such as XXXX, XXXX AND XXXX.
Consumer complaint received 2023-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I had a XXXX Balance on my credit card from Bank of America. My auto pay was still activated and they processed an additional payment of {$280.00}. I requested in XXXX of XXXX for them to refund the extra payment. They initiated a refund to my XXXX XXXX account, however it never was deposited back. I have called more than ten times and have spoken to numerous supervisors who stated they would escalate the discrepancy and would contact me back within 48 hours with an update and not one of them has. On XX/XX/XXXX, I received a letter from BOA stating they are closing my case because a refund was done on XX/XX/XXXX. This never occurred. I spoke with XXXX on XX/XX/XXXX and she said she would escalate it and call me back. She never did. I spoke with XXXX, another supervisors on XX/XX/XXXX Employee # XXXX. He said he would escalate and call back within 48 hours. He never did. I spoke with another supervisor on XX/XX/XXXX and his response again was that he would escalate it and call me back. I requested from all of these supervisors a trace, showing the account it was deposited to and not one of them has provided me with this information. I stated that I would send all of my statements from XXXX until now to prove that this money was never refunded to help expedite the process and they all refused to take this information. At this point I feel BOA is hoping I will just give up as its only {$280.00}. I can assure you, I will not stop and if necessary, will take legal action against them. The department I have been dealing with on this is the Credit Card Claims department at XXXX.
Consumer complaint received 2024-07-17
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Law Office of Brett M. Borland, P.C. (TX)

I could not get XXXX XXXX XXXX XXXX XXXX XXXX XXXX to accept a indigent payment settlement offer for past due rent billed to me. XXXX XXXX XXXX had me agree to pay {$2900.00}. Brett Borland law Office explained the settlement was given from XXXX XXXX the person who told XXXX XXXX she paid a overpayment for me. My family and housing counselor ask me to Appeal a rent balance for past due rent, was sure it could be dismissed not owed. I was aware to pay XXXX XXXX XXXX and brought these facts up to Brett B Borland Office billing me the rent dispute XX/XX/year> for a higher pay off balance. The XXXX XXXX had the XXXX XXXX XXXX debt offer requested to be settled for 50 % less. XXXX XXXX XXXX did not respond which caused this Law office to get me to owe {$800.00} more instead of trying for less. I had proof for 2024 of not having business earnings to not received a indigent settlement offer. The Property Manager who hired XXXX XXXX XXXX to bill me and sent the debt to the Law Office was fired. This cause me to pay off a higher estimate changed from Law Office of Brett Bordland posted to my credit card XXXX XXXX for {$3700.00}. In order to have the rent balance settled for a lower amount and removed from my credit history. I am satisfied with the debt no longer having history as due and owed, from agreeing to a settlement that XXXX XXXX XXXX XXXX XXXX would accept agreement for. This was done without a fair estimate legally assisting my income budget for XX/XX/year>. Therefore filing this complaint to receive a adjustment for {$800.00} added into setttlement offer to assist with my debt offer not being declined from XXXX. The XXXX XXXX XXXX was no longer on the account for the XXXX XXXX to assume I was not qualified for a lower settlement offer than {$2900.00}. Which cause me as a consumer to need protection from the business practices of disputed rent balances. When the debt sent to a law office their was always a way to resolve the balance for lower than XXXX percent. This caused my complaint as valid to CFPB, please assist this complaint from me overpaying on a disputed debt to resolve the debt settlement offer.
Consumer complaint received 2024-07-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: APPLE FINANCIAL HOLDINGS, INC. (NY)

On XX/XX/XXXX I walked into XXXX branch deposited a cashier 's check in the amount of {$130000.00} from XXXX XXXX  into my newly opened Apple Bank checking account. The deposit receipt said my funds would be available on XX/XX/XXXX. On the morning of XX/XX/XXXX the funds were available and I made 4 succesful transactions. I then walked into an Apple bank branch, approached a XXXX XXXX male teller to inquire about making a withdrawal and an external transfer he then directed me to speak with branch manager XXXX XXXX. After she looked through my account she said that my account is still in review and I could not make any transactions on my account. I called the XXXX XXXX and the rep said my funds did clear and called the back office that said an alert by the branch manager triggered my account blockage and they will not tell me why my account is restricted. I think i was racially profiled by branch manager XXXX XXXX and she generated the request to have my account restricted. My account was not restricted until i walked into the bank branch to withdraw funds. She will not give me a reason for the account restriction and will not close the account and give me my remaining funds via cashier 's check.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (NH)

XXXX : Account # XXXX I received information from you attempting to collect the above-listed alleged debt. Please be advised that I dispute the validity of the alleged debt in its entirety. Further, I request verification of the alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies. I have not supplied proof under the doctrine of estoppel by silence, XXXX v XXXX ( Mo ) XXXX XXXX XXXX XXXX | May Presume that no proof of the alleged debt, nor therefore any such debt in fact exists.
Consumer complaint received 2024-07-13
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (ID)

I signed up for the delta airlines American express reserve card. One of the reasons I signed up for the card was because they had a bonus miles promotion. Spend {$6000.00} in 6 months and get XXXX miles on your delta account. When I got the card I was out of town and there was no option to send it to my current address. As soon as I was approved I called and told the customer service rep this and they said there was nothing they could do for me now but they gave me the temporary card numbers and said I could use those numbers until I was home. That sounded good to me. A day later I tried to order stuff online with those numbers and it was declined. The customer service rep said that purchase was not allowed for a temporary card but couldn't tell me what was allowed. 

Super frustrating to have a card that you have to use to get the bonus but can't actually use. They won't send me a new one at my current residence. Ridiculous. Will probably cancel this card after 1 year. Customer service seems terrible on a card that costs {$600.00} to use.
Consumer complaint received 2023-09-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC (GA)

I disputed items inaccurate on my credit report and to the company attempting to collect the debt. This is not my debt not owed. I asked for a signatures, agreements, purchase information such as who authorized, where items were bought, delivered to, picked up from- etc.The companies only provided me with monthly statements. I argued that this is not proof of a debt owed the company said that they verified my name and address so its considered valid. I explained that they are violating FCRA REGULATIONS. They said that they are well within their rights as a creditor/ credit reporting agency
Consumer complaint received 2023-12-26
Product: Vehicle loan or lease — Lease
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC (GA)

Westlake portfolio management LLC is the finance company of US AUTO SALES who is under federal investigation for over selling and repossession cars that are paid up westlake portfolio management LLC have something to with the cars being repossessed its not only US Auto sales we as the people dont trusXXXX the company who was backing a company who was over charging and taking people cars. I believe westlake portfolio management LLC had something to do with all what us auto sales are going through I would like for them to be investigated as well
Consumer complaint received 2024-07-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (GA)

I purchased a concert ticket from a third-party reseller. I sent the money for the ticket through CashApp and I was supposed to receive a transfer for the ticket. I did not. CashApp is not allowing me to dispute the charge. I was told since it was person to person and I willingly sent the money. I was told they can not contact the person. I reported the account and transaction as a fraud/scam and they did not do anything about it. On any other site, I would be to submit the proof that I did not receive the ticket and I was scammed, and the charge would be disputed or at least be put under investigation. My case was dismissed and they told me there's nothing they can do. I was told to be more careful, and I am. All the time. This isn't my first time buying or selling a ticket through social media or CashApp. All I was told to do was ask for a refund from the person who scammed me, which makes no sense. Please, I just want to report CashApp and get my money back.
Consumer complaint received 2024-07-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo erroneously debited my checking account {$2500.00} saying in a letter that " they made a mistake ''. As a result, my account went below {$0.00}. I was charged fees and my account was closed. Shortly thereafter, they also closed my 2 credit card accounts, both in good standing. I've tried speaking in person with bank staff. They are hostile, contentious and unable to explain why Wells Fargo debited {$2500.00} from my account or why my credit cards were closed without any notice. As a result of closing my credit card accounts, my credit score has dropped XXXX points. This has affected my ability to run my business and has caused irreversible damage to my business and livelihood.
Consumer complaint received 2024-01-18
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (NC)

I purchased a XXXX  gift card via US Bank at my local XXXX XXXX grocery store on XX/XX/XXXX in the amount of {$400.00} to use on a trip to XXXX XXXX XXXX that our family was taking after XXXX. Fast forward to XX/XX/XXXX when we went to use said gift card at a restaurant in XXXX and it was declined. We called the customer service number on the back of the card and were told that the card was registered in someone else 's name and that the funds had been drained soon after we had purchased the card. We were told to fax our proof of purchase, along with my driver 's license and a photo of the front and back of the gift card and once said items were received that a new gift card would be sent to the address on the drivers license. We faxed to US Bank on XX/XX/XXXX, I called back numerous times over the following weeks to confirm receipt of said documents, after being told to keep checking back several different time frames they asked me to fax over again, I verified the number was indeed correct ( it was ) and resent all requested items on XX/XX/XXXX and started the calling in process all over again. I am now being told to fax the documents a XXXX time as they claim to not have them. It is apparent to me that I am getting the run around and US Bank has no intention of replacing my gift card despite what we were originally told. We have followed all steps from this fraudulent company to receive reimbursement of the stolen funds but to no avail.
Consumer complaint received 2024-01-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/XXXX, I have tried to load money into my XXXX prepaid debit account from my XXXX XXXXXXXX XXXX XXXX. I followed this process because such transaction is allowed by the terms : XXXX XXXX XXXX  Specifically : " How do I add money to my XXXX account. Debit card You can add money to your XXXX account by linking and transferring from an external debit card. '' After third attempt to add funds, my XXXX account was locked. 
I have received the following email from XXXX : " For security reasons, your XXXX Account and card have been temporarily locked. For more information, please call us immediately at XXXX available 24/7. '' I have called 4 times, trying to unlock my XXXX account, but customer service representatives were giving me constant run around. 
I have later received the following email : " During our recent review of your XXXX  Prepaid Debit Account, we identified Account activity that we believe violates the terms of the XXXX Member Agreement. 
As a result of such activity, and pursuant to Section 22 ( d ) of the XXXX XXXX XXXX, your Account and your Account privileges have been permanently suspended. '' I have followed all processes and was doing something that is advertised, yet when my account was locked, I got no help from XXXX. 
I have also XXXX  prepaid account. It was also automatically locked.
Consumer complaint received 2024-07-12
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (FL)

My last 4 digits of my citibank 's XXXX XXXX is XXXX. 
I have informed them will be doing foreign travel. During my travel did charged my purchases on above card. When I returned back to XXXX, found that they charged me 3 % transaction fee, which as per bank digged in fine print. 
On XX/XX/XXXX when I called they told me the above info on foreign transaction fee. After spending hours, I called them to cancel my card, at that time they transaferred the call XXXX XXXX. After talking to her, she offered me following promotion. 
XXXX XXXX XXXX XXXX XXXX SPECIAL CODE XXXX months XXXX points XXXX XXXX  - XXXX XXXX XXXX XXXX ( CODE ) XXXX While I was on phone with her, checked my account points didn't added, she advised me to wait till the billing cycle, which ended on XX/XX/XXXX. 
Again today ( XX/XX/XXXX ) called CITI BANK 's customer service, after talking to foreign customer service rep for one hour, asked them to transfer my call to XXXX based XXXX. At that time XXXX XXXX gave me entire different promotion information ( which was not same as which XXXX XXXX gave ). As per XXXX XXXX my promotion was will get XXXX points XXXX XXXXr upto {$35000.00}. 
I tried to call CITI 's XXXX multiple times to reach XXXX XXXX but not succesful. 

CITI BANK XXXX gives promotion to customer but within their system they do something, which is CHEATING the customer
Consumer complaint received 2018-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

PAID FOR CREDIT REPORTS TO CORRECT ERRORS ON MY CREDIT FILE, FILE DISPUTES WITH NO RESULTS.. ITEMS ON MY REPORT ARE NOT MINE XXXX CONFIRMATION NUMER XXXX  FOR CREDIT REPORT Account Name Account Number Date Opened Balance Date Reported Past Due Status Credit Limit XXXX XXXX XXXX XXXX   Show Details XXXX XX/XX/XXXX {$950.00} XX/XX/XXXX {$85.00} PAYS 31-60 DAYS Closed Accounts Account Name Account Number Date Opened Balance Date Reported Past Due Status Credit Limit XXXX XXXX XXXX Show Details XXXX XX/XX/XXXX {$7200.00} XX/XX/XXXX {$7200.00} CHARGE-OFF XXXX XXXX XXXX Show Details XXXX XX/XX/XXXX {$1400.00} XX/XX/XXXX {$1400.00} COLLECTION ACCOUNT XXXX XXXX XX/XX/XXXXShow Details XXXX XX/XX/XXXX {$0.00} XX/XX/XXXX CHARGE-OFF XXXX XXXX XXXX   Show Details XXXX XX/XX/XXXX {$45.00} XX/XX/XXXX {$45.00} CHARGE-OFF {$2500.00} XXXX XXXX XXXX XXXX Show Details XXXX   XX/XX/XXXX {$2300.00} XX/XX/XXXX {$2300.00} COLLECTION ACCOUNT XXXX XXXX XXXX XXXX   Show Details XXXX  XX/XX/XXXX {$2000.00} XX/XX/XXXX {$2000.00} COLLECTION ACCOUNT XXXX XXXX XXXX XXXX Show Details XXXX XX/XX/XXXX {$0.00} XX/XX/XXXX 120+ DAYS PAST DUE THESE ARE NOT MY ACCOUNTS AND I HAVE CALLED XXXX AND XXXX AND FILED COMPLAINTS IN WRITTING WITH NO RESULTS TO CLEAR THESE FROM CREDIT FILE.
Consumer complaint received 2024-01-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (NY)

Please refer to Case # XXXX. I received a response about the {$1000.00} bonus. It stated that I met the terms and conditions of the bonus and that the {$1000.00} bonus would be paid by XX/XX/XXXX. It still has not been paid. I attached Citibank 's response dated XX/XX/XXXX that I would get the {$1000.00} bonus by XX/XX/XXXX. Please escalate this.
Consumer complaint received 2024-01-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Consumer Portfolio Services, Inc. (CA)

I Applied for a loan of XXXX with XXXX interest they have taken way more than 20 percent and hidden fees like daily XXXX interest rate on top of 20 percent interest rate. Account has been in default mode and XXXX dollar a day fee was also added. Im XXXX payments from being done and they are taking XXXX in interest XXXX  years later plus hidden fees and daily interest fees separate from regular interest.these people must be stopped.