davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (UT)

I opened a dispute with XXXX for a transaction in the amount of {$670.00} with claim number XXXX. The claim was opened on XX/XX/XXXX. In XX/XX/XXXX I was sent a notice from chase that the found the transaction was processed properly and that the would remove the credit from my account. 

The item was delivered to my address however it was a signature required package and the driver left the package and fraudulently said I signed. I was not home at the time of delivery and neither was anyone else. 

I contacted the merchant and they refused to refund it stating they had proof of delivery. I explained what happened and that I had video footage showing it was left without anyone signing or interacting with the driver. 

After contacting XXXX to reopen the claim on XX/XX/XXXX I was told I couldnt open the claim again initially. The agent then said I could reopen it online after I pushed back. I tried and it wont let me reopen the claim nor provide addition evidence.
Consumer complaint received 2024-01-25
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (ME)

For XXXX my grandmother had given us both a gift card for {$100.00}. We went to several establishments to use the card to assure that the card was through you correctly I created the pin as directed. The card did not work out a few XXXX or XXXX. I called the number on the back of the card. They said they were adjusted and cleared of the errors that were apparently on the card which is weird since it was brand new and they use it again once again a few times, and a few locations the cardigan did not work at a pentatonic customer service customer service on XX/XX/2024. The XXXX said they were gon na send me a brand new card via XXXX XXXX and with my experience XXXX XXXX does not take XXXX to 30 days to get here. I called again they assured me it on its way to get them more time that was on XXXX  Ive had enough.
Consumer complaint received 2024-07-25
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Linebarger Goggan Blair & Sampson LLP (FL)

Re : Dispute of Alleged Debt Account Number/Case # XXXX Linebarger Goggan Blair & Sampson , LLP I am writing to dispute the alleged debt you claim I owe. I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

1. I dispute the validity of this debt and request verification pursuant to 15 U.S.C. 1692g ( b ).

2. Please provide evidence of your legal standing to collect this debt as required by XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ). 

3. Provide a copy of the original contract or agreement that created this alleged debt, as per XXXX XXXX XXXX, XXXX, XXXX & XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ). 

4. Furnish documentation showing a clear chain of title proving you have the right to collect this debt, as established in XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX. XXXX XXXX ). 

5. Provide an itemized accounting of the alleged debt, including all interest, fees, and other charges, in accordance with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 

6. Confirm that this debt is within the statute of limitations for collection in my state.

7. Verify that you are licensed to collect debts in my state, as required by many state laws. 

8. Additionally, I invoke the principle established in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), which states that a state may not impose a charge for the enjoyment of a right granted by the federal constitution. If this alleged debt stems from the exercise of a constitutionally protected right, I contend that it may be invalid under this precedent.
Consumer complaint received 2024-01-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP (SC)

i had a previous complaint closed but the problem was not solved and the US BANK was not true.What should have a very simple intra bank transfer from my IRA account to my checking was 8 weeks of frustration. If the CFPB had not gotten involved i would be still trying to get my transfer done.The USBANK response was not true and problem is still not fixed.WHY would the bank be dishonest.This should not be possible but it is and this the reason for this complaint. Thank response was not factual.the response said a letter of XX/XX/XXXX was sent saying that my request was being returned because the birthday was either missing or wrong.NO letter was received and nothing could be returned because the request was made by .There was nothing to return .and the transfer was rejected because of an error in name address DOB or SS #. NOT true true. .t he request for transfer was correct.in respect to the bank response to the problem .They backdated the to XXXX. I don't think this was legal.There was active claim in XXXX nor was there constructive receipt in XXXX. After all this the problem is not solved and could have a TAX problem.I think i understand what is wrong at the bank and i am also know that there are others with this issue..USBANK MUST FIX THE PROBLEM. If not the customers will be able access there and they to will have tax problems and lots of misery.The bank employees made misstatements so they could move the problem somewhere else because they couldn't fix it.
Consumer complaint received 2024-01-25
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (FL)

I am an XXXX XXXX XXXX  member. I was stationed in Louisiana from XXXX. I sent the XXXX reduction letter & orders to Citibank multiple times with no success. IAW Louisiana Laws ( Title 29:312 ) interest should have been capped XXXX  6 %. I arrive XX/XX/XXXX and recieved extension orders from my trade school until XXXX. All are attached.
Consumer complaint received 2024-04-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (IL)

I need someone at Chase to look into my payments. Its currently displaying a returned payment yet my bank displays it as completed on XX/XX/2024. Ive gone back and forth repeatedly, calling multiple times and emailing multiple times and just keep being told that they dont see what I see which is exactly the problem Im raising. Ive waited 2 months to ensure its not simply the way the charge posted and would be corrected. Ive spent significant time trying to have this fixed and yet there payments support has been non existent. They also keep asking me to include attachments and its not possible to do so ( Ive tried both the app and on their browser version ). 

The payment in question is for {$4900.00} I really need some help to get someone from Chase to actually look into my account. 

I did have one of the payments return as I did not realize I had auto pay on and so I actually had made payments of double the amount ( auto pay and manual for the same amount ). But one of them did post and Chase is not showing that.
Consumer complaint received 2024-01-25
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: REGIONS FINANCIAL CORPORATION (FL)

XXXX # XXXX, loan under XXXXXXXX XXXX XXXXXXXX on XXXX XXXX XXXX, loan was paid in full in XXXX on time. Assumed title was electronic, until I sold car and lue. Is still in car. Worked with regions sent all info on to get lien removed and lien is still on car. Please have them remove it. Faxed all info to regions purge line and worked with XXXX XXXX bank president. Told me luen be released 10 days ago and lien still on car loan under XXXXXXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX XXXX. Phone XXXX. Vin above. Requesting release of lien car is sold and I can not get title. I did everything they asked and still no release. Bank says it's in purged accts and gave me fax number to release lien, XXXX XXXX faxed info to appropriate line. Nothing happens. XXXX are me do not have loan number any more due to age of loan. I sent ss XXXX, vin and requested lien be removed n it still in car
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Bridgecrest Acceptance Corporation (MO)

UPDATE FIRST AND LAST NAME REMOVE ALL ADDRESSES EXCEPT CURRENT ADDRESS. REMOVE ALL ADDRESSES CONSIDERED NON MAILABLE. PRIVACY ACT OF XXXX  CHARGE OFFS IS CONSIDERED AS A CERTIFICATE OF INDEBTNESS WHICH MEANS IT IS INCOME AND CAN NOT BE REPORT TO CREDIT REPORT. IT MUST BE REMOVED. THE LAW STATES THAT IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. UPDATE AS PAID AS AGREED. REMOVE INQUIRIES, HARD, SOFT, PROMOTIONAL, PREAPPROVALS- PER 15USC 1681
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

IM FILLING THIS COMPLAINT IN REGARDS TO THE ERRONIOUS AND INACCURATE ACCOUNTS REPORTED ON MY CONSUMER REPORT, IVE SENT A DISPUTE 30 DAYS AGO I WAS NEVER NOTIFIED OF MY RESULTS OR ANYTHING THESE CREDIT REPAIR AGENCIES ARE NOT UPHOLDING THE LAW ( FCRA+ FDCPA ) THIER DISREGARD TO FIX THESE ERRORS IS HURTING MY CHANCES AT CREDIT AND ALSO VIOLATION OF 15 U.S.C 1681 THE BANKING SYSTEM IS DEPENDED UPON FAIR AND ACCURATE CREDIT WHICH THIS IS NOT ITS EFFECTING MY LIVING CONDITIONS.
Consumer complaint received 2024-01-25
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: CREDIT ACCEPTANCE CORPORATION (MO)

Some guy pulled into my driveway and tried to take my car while I was still in it.. 

I noticed that there was some guy lurking in the back of my driveway, because I heard the door close. The drive way is wrap around so, as I ran out to confront him trying back into the entrance of the wrap around drive way.. so I got in the car. As he backed up to block me in, so as to attempt to hitch the vehicle ( 1 that I'm still in at this point, might I add ) rolled my window down and asked him not to block my driveway yet he proceeded to do so, then he put the forks under the tires and began lifting. So, I proceeded to drive off the forks, at which point he still tried to block me in the driveway and I had to drive thru the neighbors yard to evade him.
Consumer complaint received 2024-01-25
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY (MA)

I received a returned payment on XX/XX/XXXX. I tried to rectify but was no longer able to use the card. I called target to figure out why and they told me that they closed the account on the same day. I was not given any notification or chance to correct the situation. I was told that they can not help me and can not reopen the account as they sent out a letter of notification on the same day that the payment was returned.
Consumer complaint received 2024-01-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TD BANK US HOLDING COMPANY ()

On XX/XX/24 I made an online payment of {$4000.00} to XXXX XXXX from my TD Bank Checking Account. XXXX was promised by XX/XX/24. As of today XXXX has received nothing. Each day subsequent to the promised payment date the TD Bank website stated the payment would be made the next. XX/XX/24 turned into XX/XX/24 then XX/XX/24 etc. I was informed by TD Bank that the funds were not sent electronically but by XXXX unbeknownst to me. When asked why this was not explicitly disclosed at the time I initiated the transaction I was told it was buried in the one of many disclosures I had agreed to when I opened the account. With todays technology who would ever expect a transaction generated online to be completed by XXXX. TD Bank should explicitly advise a customer when the customer is initiating a transaction whether it will be processed electronically or by XXXX. The {$4000.00} payment was time sensitive. I was told if I put a stop payment on the check TD would charge me {$30.00} and they couldnt guarantee that XXXX would not deposit the check. If the check bounces I expect XXXX to charge me an NSF fee similar to TD Bank. Furthermore if I stop payment on the check and have XXXX withdraw the funds electronically I could end up with a {$4000.00} overdraft if XXXX is allowed to cash the check. TD Bank should be required to disclose to the customer at the time an online transaction is initiated whether the payment will be made electronically or by XXXX.
Consumer complaint received 2024-07-24
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: JPMORGAN CHASE & CO. (NY)

The firm XXXX XXXX XXXX employed an employee, XXXX XXXX, to serve me with documents. 

I have an issue because they a ) broke the law and b ) perjured themselves. 

All of this is in the affidavit of service ( attached ). 

The first thing I take issue with, is XXXX 's employee stated he went through my mail to confirm my address. This is a federal crime. 

The second thing I take issue with is XXXX 's employee stated he talked to my neighbor to confirm my address. It is illegal to discuss my debt with third parties. 

The third thing I take issue with is XXXX 's employee stated he affixed a copy of the affidavit to the front door. He did not, I never had anything taped to my door. This is perjury The fourth issue I have is in order for XXXX 's employee to get to my front door, or get in my mail, or view my packages, he trespassed. Based on posted signage, fencing, landscaping, etc., it would be intuitively obvious to even the dimmest bulb that to do any of these things he'd need to trespass. 

If he didn't indeed do these things, then he perjured himself. 

The fifth issue I have is XXXX 's employee did not appear to take due dilligence to serve me. He came by my house on work days and in the middle of the day on a Saturday. It should be no surprise that no one was home. 

The last issue I have is that XXXX 's website does not have clear contact information, nor does the affidavit of service, and I was not able to submit a formal complaint with a supervising attorney. Further, I was required to sign up for XXXX XXXX 's spam mailing list. 

This is unacceptable I believe process servers are given some leeway, but they're not supposed to break the law. Additionally, they're supposed to make a good faith effort to serve me. 

In this case, no clear good faith effort was made, and it would seem the employee perjured himself and broke the law. 

Further, I understand people are trying to " disrupt '' and " revolutionize '' industries, but there should be a clear way for me to contact XXXX and make a complaint, which there is not.
Consumer complaint received 2024-01-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Onity Group Inc. (TN)

Mortgage assistance application is in review with XXXX  Mortgage. Received foreclosure letter for XX/XX/year>. Spoke with XXXX customer service XX/XX/year> they informed me they are working on my application for mortgage assistance and did not see a XXXX  XXXX  date for my home. Process mortgage assistance application.
Consumer complaint received 2024-01-25
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: CITIBANK, N.A. (FL)

On XX/XX/XXXX, I ordered a mattress, a bed, and a night table from Wayfair. The total purchase price was {$490.00}. The XXXX was delivered on XX/XX/XXXX, and the mattress and bed frame were delivered on XX/XX/XXXX. All three items were received damaged. The mattress was crushed in the corners ; the bed frame was scratched in multiple places, and the wood for the night table was cracked. I immediately contacted Wayfair via their chat function and reported these issues. I also submitted pictures of the damage via their chat portal. I was told someone would reach out to me. On XX/XX/XXXX, I received an email from Wayfair asking me to, again, upload pictures of the damage, which I did, again. See attached email. 
On XX/XX/XXXX, I again emailed them for a status. See attached email. 
On XX/XX/XXXX, I emailed them again for a status. See the attached email. 
On XX/XX/XXXX, I emailed them again for a status. See the attached email. 
After having no response from Wayfair, I reached out to them again in the chat portal. I submitted pictures of the damage in the portal, again. Again, I was told someone would contact me. Again, there has been no contact from Wayfair. I have reached out to Wayfair a total of SIX times, trying to resolve this matter. They have never responded to me, contacted me, or provided any information for me to return the damaged items. Their website did not give me an option to return the damaged merchandise, only to return items that I changed my mind about keeping, at my expense. 

I disputed the charge for the damaged merchandise with Citibank. Citibank closed my dispute and told me that I need a " credit slip '' from the merchant agreeing to a refund. What? It's damaged merchandise and the merchant has not responded to me, hence the dispute. 

I am not paying for damaged merchandise, nor should I be expected to. 
Under the Consumer Protection Act, I am entitled to a full refund for damaged or defective products. The merchant had 30 days to rectify this with me, and they have not. The Fair Credit Billing Act protects consumers on credit card purchases. I have followed every step necessary under the Act, and the charge needs to be removed from my account.
Consumer complaint received 2024-07-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (TN)

I used Venmo as a resource when I applied for XXXX because the requested a checking account but at the time I didnt have XXXX therefor I used my Venmo account. On XX/XX/year> I was given a deposit of {$25000.00} to my account with Venmo from Ssa Treasury. I started to make purchases with my Venmo debit card and did t have any problem but when I went to link my checking account to my Venmo to be able to transfer money there to purchase a car Venmo would allow me to link my bank card. I called their customer service and they said to try and transfer money to a family member who had Venmo and see if I could get the money that way so I tried to send some money to my sons Venmo account like they said and the very next morning on XX/XX/year> my account was frozen! I then contacted Venmo and they sent me a email with a link to upload my Valid Id so I did and within 3 days my account was unfrozen. I still couldnt link my bank card at this time after their customer service had told my on the phone several times to try linking it again and I wasnt able to withdraw any of my money on Venmo from any ATM locations. I made some more purchases on XX/XX/year> once they unfroze my account the first time but later this day I received a email stating my account was once again froze they sent me a email stating they needed my Valid Id again in a selfie with me holding it and they also asked me to send in my banking information for the account I was trying to link in my Venmo so I uploaded and sent them all the information they asked for and the next morning XX/XX/year> I got a email stating my acccount was now deactivated and they were holding my money for 180 days. I am sickened at this point being I am XXXX and finally was awarded my XXXX just to have Venmo do this to me and this is A lot of money to just have a institute say we are keeping your money and you may or may not get it back in 180 days l! They also addressed on the email for me not to reply to anymore emails as they wont respond. Please please help me with this!
Consumer complaint received 2024-01-25
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: AMERICAN EXPRESS COMPANY (FL)

XX/XX/XXXX I rented a car from XXXX. When I looked at my Amex bill, there was an additional charge of {$15.00} from PREMIUM CAR RENTAL INSUR, NY. When I called and ask what that was, they said it was primum car insurance from American Express. I said I never asked for it and I want the money refunded and the service discontinued. They said they can not refund it because I signed up on it via a another card I had several years ago. I said I never signed up for it with THIS particular card and there is no mention on it ANYWHERE on the website or a section to discontinue it. They said they would discontinue the service and refund me the {$15.00}. Both never happened. I tried to dispute it again, and I got the same results. I dont want this service, I can not find where to discontinue it and I want a refund for my {$15.00} because I never requested it.
Consumer complaint received 2024-01-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc. (WA)

I attempted to send {$100.00} to my brother in XXXX through Remitly on XX/XX/. Ive done it before and the transfer has always been completed instantly. However, it was the case for this time. After a few days, I called Remitly and they assured me that they are contacting the XXXX XXXX and the money will be delivered soon. However, after 2 weeks, the fund is still missing and my brother never got the money. I called Remitly then to cancel the transaction and refund me the amount. They told me the have started the cancellation process and the refund would be sent soon. But again, day after day, I never got my refund back and Ive called them multiple times to check the status but they kept telling me the same thing that they have escalated the case and that they would contact me within 24 hours but they never reached out to me. They also told me that they have been emailing the XXXX XXXX to issue the cancellation but the problem is that my brother in XXXX went to the bank and explained to them but the XXXXXXXX XXXX assured that they did not receive any money or emails from Remitly regarding this customer. Essentially, I do not know when I will receive my refund and I cant take another lie from Remitly anymore of reaching out to me.