davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-03
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc (NC)

On XX/XX/2023 I paid a person XXXX to do a service for me and I didnt recieve that service. I contacted the merchant and asked what the hold up was and information but never got responses. I later found out that the person I paid was a scammer and then proceeded to file a dispute with chime bank on XX/XX/2023. I submitted all documents and proof that I paid and proof that I reached out to the merchant as well as others saying they were also scammed by this person. My first dispute was denied and I requested documentation and I was only sent the same documentation that I sent to them nothing from the merchant proving anything. I then did an appeal and that was denied within 5 minutes and I was not given an explanation. I then called chime bank and explained that a thorough investigation was not done and I have shown proof that I didnt receive what I paid {$370.00} for and was then denied again.
Consumer complaint received 2024-01-17
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: Healthcare Management, LLC (WA)

AS I STATED PREVIOUSLY UNDER WHAT INFORMATION I WAS TRYING TO GATHER THIS MORNING BECAUSE I RECEIVED A ROBOCALL TELLING ME MY PERSONAL INFORMATION, AND THIS IS A ATTEMPT TO COLLECT A DEBT. 

I FOLLOWED IT UP WITH A CALL, AND AFTER THIS RUDE, FOUL MOUTH, AND XXXX INDIVIDUAL SAID XXXX YOU GON NA PAY TODAY, WHICH REALL RILED ME UP WHO SAID I GON NA PUT XXXX TO XXXX XXXX DOLLARS OF DEBT ON YOUR CREDIT REPORTS, AND XXXX IT UP FROM XXXX TO ELBOW. 

I WORKED TOO HARD TO BOOST MY CREDIT SCORE, ELIMINATED THOUSANDS OF DOLLARS OF DEBT INCLUDING XXXX  LOANS TO BE HARASSED AND PESTERED BY XXXX  WITH THEIR IDLE THREATS, AND FOUL MOUTHED LANGUAGE.
Consumer complaint received 2023-09-02
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: WELLS FARGO & COMPANY (NC)

I applied for a personal loan on XX/XX/, via the Wells Fargo website. The language on Wells Fargos website is very misleading. I was led to believe that via a soft credit inquiry, Wells Fargo would show guaranteed loan options and once I accepted a loan option, 1. ) approval was guaranteed, and 2. ) a hard credit inquiry would be placed on my credit. 

Notably, a hard credit inquiry was placed on my XXXX credit report, however Wells Fargo denied the application. I am writing to ask that the hard inquiry be removed from my XXXX report as Wells Fargo misrepresented its products and services.
Consumer complaint received 2024-01-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

Account opened : XX/XX/2023 I opened this business checking account using the promotion code XXXX  after a promotion popped up on my app one day randomly after I logged in to look at my credit card balance. The next day I opened this business checking account and this XXXX auto filled in the promo field so i did not need to enter in anything unique. The requirements were to keep XXXX in the account for days XXXX and as a reward I get a {$1000.00} promotion. A couple days after the account opening I called Bank of America and a representative told me that the account did have the promo attached so I will get the bonus if I complete all of the requirements. I then added more than XXXX into the account. Over the next couple of months I called back a couple of other times and I was told that the promotion code was attached. Towards the end of the promotion period I called again and I was told that the promotion code is only pending on the account and they aren't sure why, but they thought it would show complete after the requirements were met but they were not sure. I waited about 105 days after the account opening and called the bank back because I did not get the promotion and I once again wanted to make sure that the promotion was on the account because I was anticipating this exact scenario taking place. I was told that they XXXX cant find a promotion on the account and XXXX none of the previous reps left any notes on my account so the phone rep had little information to go off of. So I'm not sure if all the previous reps just told me that the promo code was attached just to make me happy, but then didn't leave any notes so that it couldn't be tied back to them with a paper trail? I'm not sure. The representative on the most recent call created a case for me to investigate whether I qualified for the bonus and I just found out that it was denied because I was not " targeted ''. This case could not be escalated again because it had already been escalated. I did not see another way to escalate this within the company so I decided to go with an outside source.
Consumer complaint received 2020-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

I have a few items that I need to review for some legal proceedings. I would like a a full report and my full XXXX from LEXIS NEXIS. Please forward me a copy of my XXXX XXXX and XXXX XXXX reports as well.
Consumer complaint received 2024-01-15
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Payfare International Inc. (MI)

Called XXXX XXXX and just keep receiving no help from them. Asked to speak to superiors many times and was hung up on. Worst Customer service, Can't Receive any help. All I Was asking for was a dispute on my card for XXXX from XXXX because XXXX was having problems with the seller and investigating. and it was going to take a couple of weeks to complete. I just wanted my money back and they continue to make this a whole thing.
Consumer complaint received 2024-02-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (MT)

Consumer Financial Protection Bureau, I am writing to file a formal complaint against PayPal, whose actions have caused me significant financial and emotional distress. On XXXX XXXX XXXX, I opened a PayPal account to manage payments within a personal project. I transferred {$3400.00} USD to my new account, intending to use it as a secure and transparent way to pay for supplies and track expenses. 

However, shortly after, PayPal inexplicably and permanently limited my account, citing no specific violation of their terms and conditions. PayPal has told me that they will hold my funds for at least a shocking 180 days, leaving me completely unable to access my money. This decision is grotesque and unacceptable. PayPal is ignoring its obligations under the Consumer Financial Protection Act, a blatant disregard for my rights as a consumer of their service. 

To make matters exponentially worse, PayPal received a court order from a US judge demanding the immediate release of my funds. In a shocking display of defiance, PayPal has refused to comply, openly violating the law. 

Here are the facts of my case : Account limitation without cause : PayPal has provided zero justification for limiting my account, despite no illicit activity on my part. 
Frozen funds : My own money, {$3400.00} USD, is being held by PayPal with no recourse. 
Contempt of court : PayPal is actively ignoring a US court order to release my funds. 

My demands are as follows : 1. Immediate release of my {$3400.00} USD. 
2. Removal of the permanent limitation from my account. 
3. Transfer of my funds to my external debit card for full accessibility. 

PayPal 's unjust actions and disregard for the law have caused me severe hardship. I urge the CFPB to investigate this incident and hold PayPal accountable for their wrongdoing. I am prepared to pursue further legal action if necessary. 

I am happy to provide a copy of the court order, clearly demonstrating PayPal 's unlawful actions.
Consumer complaint received 2023-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: FIRST ADVANTAGE CORPORATION (OH)

I was asked by a potential employer to use first advantage to do background and drug screen, I'm going to way way summarize, essentially the employer misinterpreted my results, refused to speak with background check company, and I was never given adverse action paperwork, or the chance to dispute the issue, before my formal job offer was rescinded. There is a ton more to the story. I have literal recorded calls regarding the fact the info was wrong. The employer told me I failed for adulteration of my sample, background Co states that is unequivocally untrue.
Consumer complaint received 2024-03-08
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fay Servicing, LLC (VA)

I, XXXX XXXX XXXX, did not sign any loan documents after Cancelling loans dated XX/XX/XXXX and XX/XX/XXXX. Did not agree to a 7.1 % ; 40-year adjustable rate, 2nd Mortgage ; and notified the following agencies, law makers and servicers from XX/XX/XXXX of this fraudulent loan : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; FBI ; FTC ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Virginia Office of the Attorney General ; Governors Office ; Commonwealth of Virginia Attorneys Office ; etc. 

The XXXX did NOT received the loan they wanted as a Veteran using his Certificate of Eligibility but was presented a fabricated loan documents by only a NOTARY no closing agent, lawyer or loan officer present on XX/XX/XXXX to answer any questions regarding we will have and we did have on XX/XX/XXXX and stop the process and sent the notary home. 

The XXXX on XX/XX/XXXX went to the NOTARY home off XXXX XXXX and went to XXXX to copy the loan documents and returned to the NOTARY home to drop off the documents. Appellant has presented numerous times a copy of the receipt from XXXX in which the Note, Deed, HUD-1, Good Faith Estimate and other documents was NEVER signed, but the documents Fay Servicing LLC , foreclosure firms, XXXX XXXX XXXX and XXXX XXXX XXXX has presented over the years has the date changed from the XXXX to the XXXX, marked with? on Note, illegally notarized, forged date changes, forged, funding loan on XX/XX/XXXX is illegal the XXXX has proved the reason why I rescinded the loan on XX/XX/XXXX after his wife informed him that the Notary had called on XX/XX/XXXX informing her that XXXX XXXX XXXXXXXX wanted her to change the dates, sign as closing / settlement agent FRAUD and again on XX/XX/XXXX making the loan void.
Consumer complaint received 2024-03-07
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (AZ)

I opened a Trust account with a business checking account attached, and I lawfully drew a check " for deposit only '' on check numbers XXXX ( drawn onXX/XX/2024 ) and XXXX ( drawn on XX/XX/2024 ) on the business checking account. The the credits were deducted and placed on, but never released to the available funds as such for double entry accounting. Upon the holding of the credits, my account was completely closed as of XX/XX/2024, essentially stealing the held credits in the process of closing the account with no valid reason and blocking me from gaining access through the return of both checks, even after my trust is detailed to cover all insufficient balances that occur on any related accounts. Also, the checks clearly indicated FDIC insured coding in the memos. As issuer and drawer I explained over the phone that Uniform Commercial Code ( UCC ) Article 3 - Negotiable Instruments : The UCC governs negotiable instruments, including checks. Section 3-110 allows for the negotiation of an instrument by a person who is not the owner of the instrument, such as when you deposit a check made payable to you into your own account. 

Federal Reserve Regulation CC : Regulation CC establishes the rules regarding the availability of funds and collection of checks. It allows banks to place holds on deposited checks, but it also requires them to make funds available according to specific timelines. 

Federal Deposit Insurance Corporation ( FDIC ) Regulations : FDIC regulations protect depositors ' funds and ensure the stability of the banking system. They provide guidelines for banks on accepting deposits and making funds available to depositors.
Consumer complaint received 2023-07-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (TX)

This is the list of unauthorized fraudulent charges I have repeatedly reported to Cash App, but have not been refunded. I have told them my account has been compromised. I have locked the debit card and still to this day charges keep coming in that are being blocked by the card being locked. For instance I just had a charge try to be made today XX/XX/2023. I reported it immediately to Cash App support and they did nothing to help and denied my claim. I will be adding screenshots of the communication shortly after submitting. Below is a list of the unauthorized charges that had been debited to my account and not refunded : 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  I am seeking reimbursement for these charges as they have a duty as my financial institution fiduciary to protect my funds.
Consumer complaint received 2023-07-29
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: Amsher Collection Services, Inc. (TX)

I was trying to buy a home, and I realized I have damages on my credit report. According to the 15 U.S.C 1681 Law, there should not be any damages on my credit report. It is a defamation to my character.
Consumer complaint received 2018-11-26
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: Experian Information Solutions Inc. (TX)

I contacted all three credit bureaus ( Experian, XXXX, and XXXX ) regarding unauthorized inquiries conducted by : 1 ) XXXX XXXX on XX/XX/XXXX for XXXX XXXX XXXX XXXX, 2 ) XXXX XXXX XXXX on XX/XX/XXXX for XXXX XXXX XXXX, 3 )  XXXX XXXX  on XX/XX/XXXX, 4 ) XXXX XXXX on XX/XX/XXXX, and 5 ) XXXX XXXX   XXXX XXXX on XX/XX/XXXX. I sent written request to have these items removed from credit but was sent a copy of credit report instead. Then I sent a second letter to three bureaus but still no changes on report. Also, I requested proof of authorization but was provided any further information on this request.
Consumer complaint received 2023-07-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (TX)

Cash app withdrew money from my LOCKED account. I contacted them because the withdrawal was not displayed in my transactions and was told it was from a purchase paid XXXX months prior and to contact the merchant. When I reached out to the merchant, they told me that the transaction was successfully completed at the time of purchase and that there was no second charge processed on their behalf and that I needed to contact my institution. I reached back out to cash app and was told that there was a system error resulting in the money being withdrawn from my account and that there would not be a refund issued. Cash app then closed my account.
Consumer complaint received 2021-04-27
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I have disputed accounts and inquiries on my credit report with all 3 credit bureaus well over 60 days ago. I've also made this complaint known with the CFPB but they too have said that the investigation is still in process. The time limit that has been given to the bureaus to investigate has been sufficient enough and is now illegal. I am hoping to get this situation resolved and the items removed from my credit report immediately without having to take further legal actions. Thank you.
Consumer complaint received 2024-02-27
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (TX)

My name is XXXX XXXX XXXX. I opened a Discover Credit Card Account in the Fall of XXXX. I made my payments ON TIME and never missed a payment and NEVER LATE. Discover told me in XXXX of XXXX, that they wanted my permission to get access to my IRS Tax Files. That if I DID NOT grant them this permission, Discover would CLOSE my Credit Card Account without my permission or consent. I refused to give Discover my permission, and in Retaliation, Discover closed my account in XX/XX/XXXX. I DID NOT Close this account, nor gave Discover permission to do so. I believe that Discover has broken some kind of FEDERAL, STATE, or Consumer Laws with their closing of my account, not to mention that this has caused me PAIN and SUFFERING, Defamation of Character, hurt my credit and credit scores.I wonder what Other credit card companies will think of me as they see this action on-line through all 3 Credit Reporting Agencies ? I've found out that Discover has done this to numerous other people also. What can people like me ( I'm a 68 year ( XX/XX/XXXX ) old retiree and also a XXXX XXXX HONORABLE Veteran ) do about this, and who do we turn to for remedy and to keep GIANTS like Discover from HURTING Responsible people who pay their bills ON TIME and struggle to make ends meet? I recently heard on TV that XXXX XXXX and Discover plan to merge to make them the Biggest credit card company in XXXX for about XXXX XXXX Dollars. Discover isn't hurting at all, in fact they are THRIVING!!! I myself and my wife live on Social Security and other Retirement benefits from month to month to make ends meet. I've also have had to work Part Time and self employed just to get food on the table. What can people like me and others do to keep the XXXX in line? Who is out there to help us all??? Please HELP!!!
Consumer complaint received 2024-02-07
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (WI)

On XX/XX/XXXX, Care Credit charged me a late fee of {$30.00} to my credit card account, after i didn't pay on the due date. I made my payment XXXX XXXX, XXXX. Then on XX/XX/XXXX, they charged me {$2.00} interest related to this same late fee. On XX/XX/XXXX, Care credit charged me {$35.00} late fee again. On XXXX XXXX, XXXX they charged me {$3.00} related this late fee. This time i did not pay my bill. The reason for the late fee and interest is based on an error in care credit system. I am signed up to receive Push notifications ( i have the app on my phone ) and email notification to let me know that my bill is due. I NEVER receive the notices, and therefore I've been late 3 times in a row. That's never happened and I've been with this company for about 5 years. There system isn't doing what it is supposed to do, and therefor it is an error on there behalf.
Consumer complaint received 2024-02-21
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: FISERV INC. (PA)

I was provided a prepaid card from Money network for short term disibility from the XXXX XXXX XXXX XXXX XXXXXXXX. I was out of work due to a XXXX XXXX. I received my card and within a XXXX XXXX weeks, my card was hacked and {$5900.00} was removed overnight. This occurred on XX/XX/XXXX at XXXXXXXX XXXX  There was an unknown personal account number that it was transferred to. The card never left my possession and was in a safe place. This event was noticed by me on XX/XX/XXXX XXXX. I immediately contacted Money Network and filed a dispute. They closed my dispute on XX/XX/XXXX saying that I had transferred the funds and closed the dispute. I filed an appeal which I was told could take 30-45 days. This company will not replace the funds to my account and I am now out almost {$6000.00} which was to pay my bills which have accumulated fro the hospital stay I had of 2 weeks. The XXXX XXXX XXXX XXXXXXXX is saying there is nothing they can do as well as my employer. The claim number provided to me is XXXX. Acct # XXXXXXXX XXXX XXXXXX/XX/27 My name is XXXX XXXX, last XXXX digits of SS # are XXXX. Thank you
Consumer complaint received 2018-11-26
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (IL)

Re JPMorgan Chase Bank, N.A. 

On XX/XX/21, with my XXXX year-old daughter, I visited branch at XXXX XXXX XXXX, XXXX, IL, XXXX, to assist her in withdrawing funds from and closing guardianship account on which I was her guardian. Bank wouldn't allow this, insisting erroneously that account was " restricted '' and that funds could not be accessed for two business days. Court order pursuant to which this account was opened entitled my daughter to draw these funds as of her XXXX birthday. The only " restriction '' on the account was thus the bank 's unwillingness to release the funds. This was illegal and caused my daughter and me significant inconvenience.
Consumer complaint received 2023-07-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (NV)

In XX/XX/2023 a bunch of XXXX accent people called me, and after some conversation, they convinced me to send {$800.00} to my daughter From Cashapp I sent it {$800.00} to my daughter Then I asked my daughter to send it back She sent it back once it came to my account they somehow managed to empty my account and sent the money by bitcoin to themselves I called Cash App and they just hung up on me very rudely and I sent them three letters and they never answered