davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (IN)

I opened a business bank account online with Chase Bank. The account was opened and I set up online banking. The same day I received an email stating that my account was locked and to call for verification. They said that theyneeded to send a text to my number but never received the text. They said that I would need to come into the bank to verify my identity. I was told that I had twn days to come in or my account would be closed. I went into the bank and was told that they had closed my account already and I came in within the ten business days. I was told to call a number. I did and again, they told me to go into the bank. I told him I am at the bank. The teller stalled and did not want to call the number to open my account. I then said to call the number, about thirty minutes passed and he called the number and they told him to ilopen my account. He starts asking me questions which was already verified. Then he said he had an appointment and that I would have to come back tomorrow. I made the appointment but felt un easy going back to him so I went to another branch. Ther person who was set to help me said that he had 40 kinutes to his next appointment. He called and was a quick call and he told me the same thing, that he would need to make an appointment to help me. I started to feel uneasy. No one was in the bank and it was very quiet. Istarted to feel uneasy again, so I stated that I felt discrimination against because the same thing was happening with the other representative. He said well let 's make an appointment. What day do you want to come in? I said Monday. He said, well my schedule is full for Monday. I said I was going to call and make a complaint. I called thebank and was transferred several times, was told I should speak to several different people and finally my complaint was taken. I was also given the number to an executive director who never returned my call. I apllied for another bank and was denied for verification as well. I believe there is a flag on my profile now because of this.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

XXXX, Experian, and XXXX continue to allege they did a reasonable investigation to prove that the bankruptcy they are reporting is accurate. Since you did an investigation you should have evidence to prove your claim for validation. Neither consumer agency provided this information to me for me to examine to see if this information is indeed fact.
Consumer complaint received 2024-05-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (TX)

Description of Events : On XX/XX/year>, at XXXX AM, my Chime account was abruptly closed without prior notice or detailed explanation. Upon discovering the account closure, I promptly contacted Chime customer support to understand the reasons behind this action and to request the return of the remaining funds in my account. 

Despite multiple attempts to seek clarification and resolve the issue, Chimes responses have been unsatisfactory and vague. The customer service representatives referred me to the XXXX XXXX XXXX  but failed to provide a specific explanation or any detailed findings related to the closure of my account. Additionally, I was informed that I am not eligible to receive the remaining funds in my account, which contradicts the terms outlined in the XXXX XXXX XXXX 

Actions Taken by Me : 1. Initial Contact : I contacted Chime customer support immediately after my account was closed on XX/XX/year>, requesting an explanation and the return of my funds. 
2. Follow-Up Inquiries : Over the following days, I made several follow-up inquiries to Chime support, seeking a clear and detailed explanation for the account closure and information on how to recover my remaining funds. 
XXXX. Request for Detailed Explanation : I specifically requested a detailed explanation of the reasons for the account closure, as required by consumer protection laws, but did not receive any substantial information. 

Chimes Actions : 1. Account Closure : Chime closed my account on XX/XX/year>, at XXXX XXXX  without prior notice or detailed justification. 
2. Refusal to Provide Specific Reasons : Chimes representatives consistently referred me to the Deposit Account Agreement without offering any specific reasons for the closure. 
3. Denial of Refund : Chime informed me that I am not eligible to receive the remaining funds in my account, which is in direct contradiction to the terms of the XXXX XXXX XXXX  that state unused balances should be returned via check. 

The lack of transparency and refusal to provide a legitimate reason for the account closure, coupled with the denial of my remaining funds, has caused significant distress and inconvenience. I am seeking the intervention of consumer protection authorities to obtain a clear explanation and the return of my funds.
Consumer complaint received 2024-05-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (IL)

XX/XX/year> at XXXX XXXX  I got text message from my online banking account CHIME saying theres was some transactions that were flagged and it ask me if it was me and I text back saying no because CHIME is only online banking so I figured it was them they texted back saying they were going to call me which they did right after with the same phone number as CHIME banking has. The person knew the whole amount of my account so they said it was a pending transaction and I had to denied I move my money to savings and the person said no move it back and she said it was refund authorized so I did and I took her not to take my money out which she did and she hang up on me and when I tried calling CHIME they had no record of no transactions or nobody from CHIME called. So they disputed the charge they said they were going to give me a temporary credit until they solved the case but ever since that happened they keep denying my dispute I called them everyday to check status. I HAVE SCREENSHOTS OF THE TEXTS, CALLS, POLICE REPORT WHICH I FILED THE VERY NEXT DAY AND EVEN A VIDEO WHEN I WAS TALKING TO THE SCAMMER AND STILL THEY KEEP DENYING MY DISPUTE. ITS XXXX DOLLARS. CAN SOMEBODY HELP ME PLEASE!!!
Consumer complaint received 2023-08-10
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct the following items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-19
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: CITIBANK, N.A. (IN)

The company Macys is directly violating my consumer protection rights as they have not proved the requested balances and fraudulent transactions were authorized/made by me. Company has limited access to U.S. Representatives- many which are untrained and unable to provide assistance in legal matters or those that breach consumer rights. Macys is refusing to investigate further account activity, then later closed the account without authorization to access the credit file which they stated is the reason of account closing. Macys used deceptive, unethical business tactics in several occurrences not limited to, reducing credit limits significantly despite on time payment history ( resulting in continuous high utilization ), inflation of fees accessed, failure to provide consumer friendly platform ( online servicing/out-sourced representatives ), negligence to notify consumer of account details, and withholding information. Despite the response to previous compliant, senior executive at Macys did not respond to calls or emails left to further investigate/ discuss issues and how consumer rights were violated.
Consumer complaint received 2024-05-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: BARCLAYS BANK DELAWARE (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX FL XXXX SSN : XXXX XXXX : XX/XX/XXXX XX/XX/XXXX Barclays Bank Delaware XXXX XXXX XXXX XXXX XXXX DE XXXX Account Number : XXXX Dear Sir/Madam, Subject : Third Request for IRS Form 1099-C I am writing to formally request a copy of IRS Form 1099-C for the debt associated with my account number XXXX. This is my third attempt to obtain this document. 
According to IRS regulations, creditors are required to provide this form when a debt is cancelled or charged off. As of now, I have not received the required documentation. The lack of this form is causing issues with my tax filings and financial records. Kindly ensure that this matter is addressed promptly. 
Please send the copy of IRS Form 1099-C to the address listed above or via email at XXXX. For your reference, my details are as follows : Name : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX FL XXXX SSN : XXXX XXXX : XX/XX/XXXX I am also forwarding a copy of this letter to the Consumer Financial Protection Bureau ( CFPB ) and my attorney, XXXX XXXXXXXX XXXX XXXX  XXXX to ensure that this request is duly noted and expedited. 
I appreciate your prompt attention to this matter and look forward to receiving the requested form soon. 
Sincerely, XXXX XXXX XXXX : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2024-01-31
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (TN)

Wells Fargo sent me a letter dated XX/XX/XXXX that after reviewing my former accounts, their records indicated that unbeknownst to me was enrolled in an identify theft protection- XXXX XXXX from XXXX. I had 60 days from the date of the letter to contact them, which I did on XX/XX/XXXX. The rep I spoke with said they will cut me restitution check iao {$1400.00} and will be issues in 20-30 days. I contacted them again on XX/XX/XXXX to check the status- they said it was still in processing. I then called a third time XX/XX/XXXX to see the status of the check- again still in processing and said it will be issued in 20-30 days. Same response I received the last two calls. 

Where is my check? Is this a scam? I know other people have received their checks but what is the hold up here. I was taken advantage of by Wells Fargo with having this unauthorized monthly fee on my account ( mind you I also worked for WF during this time so I feel like I was really taken advantage of by my employer ) and done everything on my end to resolve this issue. Come on Wells Fargo DO BETTER and set better expectations on this!!! 

I am also requesting more than the {$1400.00} due to not only this taking longer to get resolved but I was taken advantage as a client and employee. Plus it was on my account for almost 5 years. I would expect it to be more than a {$1400.00} restitution. Thank you.
Consumer complaint received 2023-04-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (FL)

Comenity Bank XXXX Lane Bryant account ) I have talked to several very rude collectors. I finally got them to quit calling me during work hours. I'm a XXXX  and they would call 3-5 times a day in my XXXX. One very rude person told me if I didn't want the calls get a second job and pay my bills. Now they call mainly on weekends 6-10 times a day. Here are some of the numbers they call from : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, plus several that show up " restricted ''. Since they don't always leave a voicemail, I am just counting the above numbers that I can proof came from them. Between XXXX XXXX today, XX/XX/XXXX, they have called 25 times And that is mostly all on weekends only. Today alone they have called 7 times.
Consumer complaint received 2024-05-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (NY)

My card was expired and I didnt get any replacement I tryed to connect the bank but it was useless. I just need to get the money from my account but there is no bank in my state. I also cant access online banking. As I mentioned I just need to transfer the money to another account it withdraw them
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL (SC)

XXXX- XX/XX/XXXX, XX/XX/XXXX I don't know what this is. 
Sams- XX/XX/XXXX I have a Sam 's credit card and never applied for hotel and travel card. 
Lowes- I have a lowes credit card and never applied for hotel and travel. 
XXXX XXXX I did apply and was approved but never acted on the loan. 
TJX- I never applied for a dual card
Consumer complaint received 2024-04-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

I've consistently made timely payments on this account, never allowing them to become overdue. I'm uncertain about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be rectified.
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

Delete fraud alerts from all 3 credit bureaus XXXX : # HK # EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Consumer complaint received 2024-01-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (FL)

Dear PayPal Support Team, I trust this message finds you well. I am writing to appeal the permanent limitation placed on my PayPal account, associated with the email address XXXX. I firmly believe that this limitation is a result of a misunderstanding, as I am confident that I have not violated any of PayPal 's policies or engaged in any unauthorized activities. 

As a dedicated PayPal user for an extended period, maintaining a positive and trustworthy relationship with PayPal is paramount to me. I am fully committed to resolving any issues or concerns that may have contributed to this unfortunate situation. 

I kindly request a comprehensive reevaluation of my case, urging a careful examination of the circumstances surrounding the permanent limitation of my account. I am confident that this review will reveal an error or misunderstanding. I am ready to provide any necessary documentation or information to support my appeal. Reinstating my PayPal account would not only alleviate my current financial inconvenience but also enable me to continue using PayPal for secure and efficient financial transactions, just as I have done in the past. 

I deeply appreciate your prompt attention to this matter and kindly ask that you initiate the review process without delay. If specific documents or details are required from my end to facilitate this process, please do not hesitate to inform me. 

Thank you for considering my appeal. I look forward to a swift resolution of this issue and the opportunity to resume using PayPal 's services.
Consumer complaint received 2024-01-25
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. (AZ)

I am requesting a reinvestigation. There is a myriad of errors being reported the bureau placed a significant number of inquiries on my credit without my consent and by them doing so validated these unauthorized and incorrect inquiries. I did not give my consent to any of these companies to run my credit and XXXX XXXX XXXX XXXX XXXX and these errors are effecting my ability to properly run XXXX XXXX
Consumer complaint received 2021-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have had my Capital One Credit Card Opened for 20 years 3 months ( XX/XX/2001, opened ). I contacted Capital One Credit about my missing information on my report and they sent me a letter saying that the information is reporting correctly. However, whenever I look at my XXXX  it is not showing. They have an app that allows for the monitoring of your credit called XXXX and it pulls the information from XXXX  which still doesn't show my account. This is important to me because it is my first credit line I have had and. I need it to be showing to all the Credit Reporting Agencies. I have the letter they sent saying it is reporting but that is not correct.
Consumer complaint received 2024-01-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (GA)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX Subject : Complaint Against Venmo for Failure to Refund Unauthorized Transaction Dear Sir/Madam, I am writing to file a formal complaint against Venmo for their refusal to refund an unauthorized transaction, in violation of consumer protection regulations. I believe I have been a victim of a scam, and Venmo 's response to this incident has been grossly inadequate. 

**Transaction Details : ** - Transaction ID : XXXX - Amount : {$600.00} - Date and Time of Transaction : XX/XX/year>, at XXXX XXXX - Recipient : XXXX XXXX XXXX XXXX XXXX ) **Incident Description : ** On the aforementioned date, I completed a transaction using Venmo to pay for products advertised by the seller, XXXX XXXX XXXX However, immediately after transferring the funds, I realized that the offer was fraudulent. The seller blocked all forms of communication with me, making it impossible to resolve the issue directly. 

Within an hour of realizing the scam, I contacted Venmo to request a refund, explaining the fraudulent nature of the transaction. Despite my immediate action and clear evidence of a scam, Venmo has refused to refund the amount, stating that the transaction was final. 

**Argument for Refund : ** 1. **Definition of Scam and Unauthorized Transaction : ** A scam occurs when funds are obtained through deceptive practices. In this case, I was misled into sending money for non-existent products. Therefore, the transaction was unauthorized, as it was based on false pretenses. 

2. **Consumer Protection Rights : ** Under banking regulations and consumer protection laws, consumers are entitled to protection against unauthorized transactions and fraudulent activities.

3. **Failure of Service Provider 's Duty : ** Venmo, as a financial service provider, has a responsibility to protect its users from fraud and to assist in the recovery of funds in cases of clear deception and scam.

**Requested Action : ** I urge the CFPB to investigate this matter and require Venmo to : 1. Refund the full amount of {$600.00} to my account.

2. Review and improve their policies and procedures for handling scam-related disputes to better protect consumers.

I have attached relevant documentation and correspondence related to this incident. I appreciate your attention to this matter and look forward to a resolution that upholds consumer rights and justice.

Sincerely,