davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-27
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (CA)

on XX/XX/XXXX i received an American Express XXXX XXXX in the amount of {$2000.00} from my employer. Upon trying to use the card it was being declined. I called the number on the back of the card ( XXXX ) XXXX and was transferred to customer service. The representative asked for all of the card details and advised the card would become active within XXXX hours. Immediately after hanging up the phone, there was an unauthorized charge of {$1100.00} on the card to XXXX XXXX. i called the number back and spoke with XXXX XXXX who took down my info and opened a claim, he also locked the card. American express wont offer any solutions. 

XXXX. Called ( XXXX ) XXXX. It has you put in your card number and code, then says to call ( XXXX ) XXXX. 
XXXX. Called ( XXXX ) XXXX ( Found online ). They have you put in your card number and code, then they say it's not authorized and transfer you to someone who says they don't handle American Express. I asked who they do handle, and she wouldn't reply and some guy was behind her with a script thatI needed to call ( XXXX ) XXXX. She asked for the card number which I refused since I already input it. I told her that she already has that, which she denied. She wouldnot tell me who they handle and what their affiliation with American Express was. I hung up. 
XXXX. Called ( XXXX ) XXXX - spoke w/ XXXX XXXX XXXX They've locked the card and put a hold on the pending transaction. The trnansaction has not cleared yet. - CLAIM # XXXX XX/XX/XXXX filed a complaint with XXXX  Complaint ID : XXXX XX/XX/XXXX filed a complaint with FTC Report Number XXXX XX/XX/XXXX called XXXX spoke to representative ( didnt get name ) who said the case is being investigated and will be resolved in XXXX days. I asked to speak to a supervisor and they said no they could not transfer me and i asked why and they repeated that they could not, so i asked why again and they said they were transferring and put me on hold over XXXX hour. 
Called back and spoke with XXXX who confirmed the same details of XXXX days. i asked to be transferred to a supervisor, put on hold over XXXX hour
Consumer complaint received 2024-03-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION (GA)

Pursuant to 16 CFR 433.2, as the consumer I am preserving my claims and defenses for unfair or deceptive acts and practices. Referring to TILA ( 15 USC 1601 ) and 12 CFR 226.2, the Visa Flagship Rewards Card was provisioned with a {$5000.00} limit. 15 USC 1692e discusses false and misleading representations wherefore a debt collector may not use false, deceptive, or misleading representations or means in connecting with the collection of ANY debt. This law was cited because the monthly statements required with each billing cycle did not include legal disclosures that explain my rights. Deceptive monthly statements have also been furnished pursuant to 15 USC 1666b as the statements provided fail to display my indebtedness using negative numbers. The most recently furnished billing statement has a minimum payment due of {$290.00}, a past due payment of {$180.00} and a balance of {$4400.00}. Furthermore, Navy Federal Credit Union has committed mail fraud by not registering the securities they mail to my address on file and making the disclosures necessary on the envelope the statements arrive in. 12 CFR Part 1026 Regulation Z governs open-end credit treatment of credit balances. When the balance is in excess of {$1.00}, 12 CFR 1026.11 states the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number.
Consumer complaint received 2023-11-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: STELLAR BANCORP INC. (TX)

In early XXXX XXXX XXXX XXXX, I made direct deposits to the applicable XXXX XXXX XXXX XXXX XXXX  at Stellar Bank. At the XXXX XXXX in XXXX teller XXXX carefully viewed each account to ensure the proper deposits to cover loans. In XXXX the same was done at the XXXX XXXX XXXX Stellar Bank. But I began receiving phone calls from Stellar Bank that my accounts were overdrawn. I informed her that was not so and I had the support of both tellers confirming my position and deposit slips. It did not matter. I emailed a second notice to XXXX XXXX, XXXX, Stellar Bank XXXX XXXX XXXX was assigned to these concerns. XXXX and another representative earlier reduced my checking accounts to avoid monthly small fees. Things became so desperate that I allowed XXXX to be in charge of XXXX XXXX accounts. However, I opened yet another letter from Stellar Bank dated XX/XX/, indicating now that a loan account has a total principal due of {$620.00} and interest due of {$910.00}. When XXXX XXXX left Stellar Bank, only then did problems surface. Once, XXXX located {$1600.00} deposited that a teller had not made. If there was an issue, he would call me and we would resolve it. XXXX XXXX XXXX XXXX and only problems under him.
Consumer complaint received 2023-11-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (NY)

XXXX  my PayPal account was compromised and someone bought crypto with my bank account. I notified my bank filed dispute they reverse it. They told me notify PayPal file dispute which I did but PayPal refused do anything try say legitimate charge and wont let me do anything about it
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

According to Section 602 ( a ) of the Fair Credit Reporting Act ( 15 USC 1681 ), it is mandated that consumer reporting agencies uphold their responsibilities with fairness, impartiality, and respect for consumer privacy. XXXX and Experian fall under the category of consumer reporting agencies, and I, as the consumer, possess the right to ensure that my private information remains confidential. This right is reinforced by Section 6801 of Title 15 USC, which emphasizes the obligation of financial institutions, including those furnishing information to credit agencies, to safeguard customer privacy and confidentiality. 

Section 604 ( a ) ( 2 ) of Title 15 USC states that consumer reporting agencies may only furnish consumer reports in accordance with written instructions from the concerned consumer. Neither the financial institution nor the consumer reporting agencies, XXXX and Experian, have obtained my consent, let alone written consent, to furnish my information. Therefore, any previous consent, whether verbal, non-verbal, written, or implied, to XXXX, Experian, or the furnisher of information to credit agencies, is hereby revoked. 

Furthermore, Section 6802 ( b ) ( c ) mandates that financial institutions can not disclose nonpublic personal information to third parties unless the consumer is informed of their right to opt out. However, the furnisher of information to credit agencies failed to inform me of this right to exercise my nondisclosure option. 

Additionally, Section 1681C ( a ) ( 5 ) stipulates that consumer reporting agencies can not include adverse items of information in consumer reports without authorization. Yet, XXXX and Experian are reporting adverse information without my permission, which is a violation of the law. 

According to Section 1681s2 ( a ) ( 1 ) ( A ) and Section 1681e of Title 15 USC, it is prohibited to furnish inaccurate information to consumer reporting agencies, and every consumer reporting agency is required to maintain reasonable procedures to ensure compliance with the law. XXXX and Experian are evidently failing to uphold these standards. 

Finally, according to 12 CFR 1016.7, consumers have the right to opt out of reporting services at any time. Therefore, I am exercising my right to opt out of your reporting services.
Consumer complaint received 2023-11-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: United PanAm Financial Corp. (MO)

Initial Auto Loan was paid off to a previous creditor. 

New Creditor : United Auto Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Request made to caller collecting the debt for a copy of contract, their W9 and 1099OID and nothing provided. Written request also being sent with notice and claim. United Auto Credit has placed false information on the credit report as a " new loan ''.

[ Title 15 USC 1681n ] Civil liability for willful noncompliance, [ Title 18 USC 1951 ], interference with commerce by threats or violence, [ Title 15 USC 1692b ] Debt collectors are prohibited from using any false, deceptive, or misleading representation or means in connection with the collection of a debt, [ Title 15 USC 1611 ] criminal liabilities for willful and knowing violations, [ Title 15 USC 1681b ] addresses the permissible purposes for which consumer reports can be obtained and used, [ Title 15 USC 1681c ] is to protect consumers ' privacy and ensure fair and accurate reporting of their credit information.

[ Title 18 USC 1001 ] statements and entries generally, [ Title 42 USC 1986 ] actions for neglect to prevent, [ Title 15 USC 1639a ] duty of servicers of residential mortgages, [ Title 15 USC 35 ] recovery of damages, etc., for antitrust violations from any local government, or official or employee thereof acting in an official capacity.
Consumer complaint received 2023-11-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I opened a checking and savings account with capital one in XXXX  I funded the account on XX/XX/XXXX with a cashiers check for the amount of {$6900.00}. I was given a receipt of my available balance dates and an email to confirm the receipt. I still have no money in my account to this day XXXX XXXX XXXX  I have been blocked from calling customer service as well. I am only allowed to leave a voicemail. I have left 2-3 and have yet to receive a call back. The funds have been verified and released and I still have nothing. This is a personal attack on my personal and a criminal offense. My consumer rights have been violated tremendously. I was told via a female supervisor on a recorded line XXXX XXXX XXXX XXXX XXXX XXXX inside the XXXX XXXX XXXX  in XXXX XXXX  ; That my account was CLOSED and I would be issued a check of my funds to the address on file. I was then transferred to speak with an XXXXXXXX XXXX on the same recorded line who was supposed to be her superior. He lied to my continuously. I had to demand he call the other bank on a 3 way connected call due to his consistent lying. I was able to catch him in several lies at that time. As the beneficiary of this account I have demanded my funds several times. This being my first time in writing and I am asking for help at the same time. I called the FDIC & Capital one Headquaters but have received no help thus far. Due to my frustration and the suspicious environment I wasn't able to gather any representatives name I spoke with but I was able to record the time frame and date of the said recorded call. I have been asked bias questions about my cashiers check that have nothing to do with the verification of the funds. The check I deposited had a number on it to call to get the check verified but capital one refused to call the number several times. They stated it wasn't policy. asked for that in writing and they refused that as well. How can you not give me your policy in writing? Or direct me to where I can find this factual information. I want my all of my checking and savings account closed on both the private and public side and I want to be provide proof of such request. 

Since then I have been keeping a constant log of whom I been speaking with and I also have physical recordings of our conversations and the lies being told. I was told they spoke with the lady doing the actual investigation and she refused to lift to restriction from my account even though I am the SURETY/SUBROGEE/BENEFICIARY to this account. My debit card doesnt work but I can make deposits into my account with no problem. 
I contacted the CONTROLLER OF CURRENCY as well! 

Capital One bank is claiming to be doing an investigation to insecure the funds will not be reversed but they have provided no proof and I have proof from the issuer of the cashiers check deposited that the funds are good and they have been deposited. Yet I have no access due to bias reasons.
Consumer complaint received 2023-11-27
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: Incomm Holdings Inc. (VA)

I purchased a vanilla gift card in the amount of {$470.00} from grocery store, XXXX, on XX/XX/2023. On XX/XX/XXXX my giftcard was used and depleted at multiple XXXX stores. I did research and noticed the largest transaction were made at a XXXX in XXXX XXXX, NY. I never attempted to use this card at a physical store.
Consumer complaint received 2023-11-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mortgage Lenders Investment Trading Corp (FL)

I have asked my mortgage loan servicer to waive escrow. Servicer says " internal lender guidelines '' indicate escrow will not be waived due to loan interest rate reduction offered at origination. I have asked for original agreement stating a lower interest rate will be offered in exchange for escrow loan for the life of the loan. Servicer has been unable to provide anything in writing showing I agreed to this term or provide the " internal lender guidelines '' indicating this is a term of the loan. 

I have reviewed my original Closing Disclosure, note and mortgage and do not see anything indicating escrow is due and will not be waived for the life of the loan. In fact, I see clearly in the closing disclosure escrow can be cancelled on page 4 of 5 of the Closing Disclosure. 

This loan was originated in XXXX  and to date I do not meet any of XXXX XXXX XXXX  criteria to deny a request to waive escrow.
Consumer complaint received 2023-09-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings (GA)

Account name IQ DATA INTERNATIONAL Account number XXXX Date opened XX/XX/2023 Status Collection account. 
{$15.00}, XXXX past due as of XX/XX/2023. 

Status updated XX/XX/2023 Balance {$16000.00} Balance updated XX/XX/2023 Recent payment - Monthly payment - Original balance {$15000.00} The inaccurate information above was never verified to be in line with official reporting standards. The information above was never confirmed to be accurate, complete, timely, or valid. You must provide proof of compliance with reporting standards and applicable consumer laws. The information above is insufficient. I demand that inaccurate, incomplete, and unverified information be removed immediately!
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the XXXX XXXX XXXX ( XXXX ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2023-11-27
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: JPMORGAN CHASE & CO. (FL)

Hello, i am here writing a complaint more as a notice so that i can have the cfpb by my side throughout this upcoming process. Chase bank has an unauthorized inquiry on my XXXX  credit report that i want removed. Attached is a word document which is the exact letter i printed out and sent to chase via certified mail to let them become aware of what it is i want and the current situation. In the letter i also let them be aware that i would be copying the cfpb so it would force their hand to respond. Thank you!
Consumer complaint received 2024-03-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (KY)

The debt with creditor Midland Credit Management is also deb.t that is over XXXX XXXX XXXX. I believe the original crediot is XXXX or XXXX XXXX. not sure who the original creditor are for this account in the amount of {$2600.00}.. I believe the original creditor for this account may be XXXX XXXX XXXX XXXX but i'm not sure. However this debt is very old. Midland Credit Management are in the business of purchasing old debt as well regardless of age. They are trying to collect funds due for debts that are over XXXX XXXX XXXX. These accounts wer probably open in 2015 time period or earlier. However, both accounts are over XXXX XXXX XXXX as already stated above. Thanks, XXXX XXXX
Consumer complaint received 2023-11-27
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: CITIBANK, N.A. (NJ)

I paid my macy 's bill of {$430.00} twice and requested a refund of the {$430.00} on XX/XX/2023. On XX/XX/XXXX, I called the customer service line to inform them that I did not receive the refund check of {$430.00}. The representative said that a new check would be sent or a refund to my account. Neither solution was instituted and there is no evidence that a check was sent or a refund to my account. I called for the third time today for the refund of {$430.00} and was told that I must wait 6 months for the XX/XX/XXXX check to expire before any further action can be taken by Macy 's credit. Further, they requested my birth date and last 4 social security number, even after I gave my account number. No supervisors would speak to me. 
Please help me get my {$430.00} back from Macy 's.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (NY)

XXXX XXXX XXXX : {$170.00}, {$170.00} XXXX XXXX XXXX, : {$3000.00}, {$3000.00} XXXX XXXX  : {$1000.00} XXXX XXXX  : {$600.00} XXXX XXXX XXXX : {$650.00} XXXX XXXXXXXX XXXX : {$830.00} XXXX XXXX XXXX XXXX {$1900.00} Comenity Bank : {$890.00} These are third party collection agencies that I do not owe anything to. I've never signed nor had any contract with these companies. These companies need to provide a signed contract between myself and them. These collections need to be removed immediately. I have contacted the debtors by mail and online to disputed these inaccuracies and have them deleted. The Tila law and the USC code by reporting inaccurate information on my credit report without contacting me first.
Consumer complaint received 2023-09-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

PennyMac has foreclosure on my house XXXX XXXX after I made several attempts to bring account to date. I received no court papers of foreclosure just phone calls. PennyMac is the servicer and not the owner. Please advise. On XXXX XXXX my daughter sent a wire transfer to PennyMac for {$14000.00} they kept saying they never receive the funds but XXXX XXXX said they did it was several conversations back and forth so they said the funds when somewhere else. I got the correct information my daughter sent another wire transfer from XXXX XXXX they stated they never received the payment. I didnt understand that because my daughter did a {$16000.00}. Wire transfer to PennyMac XXXX of XXXX and they receive the money. PennyMac also had a lien on the house {$37000.00} which was paid you can see on the monthly statement but they still put {$30000.00} like the lien wasnt paid add the balance of the house up more the balance is incorrect. PennyMac abuse there power and took advantage of the situation.
Consumer complaint received 2023-06-01
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-11-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST NATIONAL BANK OF OMAHA (TX)

I have a savings account with the XXXX XXXX a subsidiary of First National Bank of Omaha. XXXX XXXX is a privately held e-bank, FDIC-insured institution, that is not affiliated with the Federal Reserve System . 

Since XXXX I have been making ACH transfers from one of my XXXX XXXX accounts. Out of nowhere, XXXX XXXX  restricted my ability to withdraw MY money from my savings account. XXXX didnt give me any explanation or inform me of how long this restriction will be in place. XXXX claims they are investigating suspicious activity I invited XXXXXXXX   to check my credit report and contact the FBI and the IRS. They responded by asking me for an ID and a XXXX XXXX statement and the restriction continued without an explanation. They sent me an encrypted email to which I should reply and attach the information requested. The first reply to the encrypted email was not successful so we did it again. I have asked for three consecutive days if they received the information and they have ignored my emails. 

Bottom line, XXXX is blocking MY money, turning my savings account into an irretrievable deposit, and ignoring my emails. Can the investigation continue indefinitely? How can the bank regulators allow this abuse to happen? Even the police are required to show cause to act, but not the bankers. XXXX XXXXXXXX  is acting more like a scam than a legitimate bank. 

Profiling based on perceived race, ethnicity, national origin, or religion is patently illegal, it violates the U.S. Constitutions core promises of equal protection under the law to all and freedom from searches and seizures without evidence of criminal activity. Accordingly, show me the evidence of criminal activity or lift the restriction.