davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-13
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CT)

On XX/XX/XXXX I received notice that Synchrony Bank decided to close my Carecredit account due in part from information provided by XXXX. The main reason appears to be high balances compared with credit limits. I had been in good standing since opening my Carecredit card, and have very rarely had high balances on other cards, never over the limit. I called Synchrony Bank and they recommended calling XXXX, who subsequently recommended calling Synchrony Bank. I requested a full credit report from XXXX. When I examined the report I noticed that the section regarding Synchrony Bank/Carecredit stated that I had a " High Balance '' of {$7500.00} from XX/XX/XXXX to XX/XX/XXXX ( credit limit at the time was {$6800.00} ) and of {$7500.00} from XX/XX/XXXX to XX/XX/XXXX ( credit limit at the time was {$6800.00} ). However, the account statement below did not reflect this information at all, and I was never even close to being over my credit limit on my Carecredit account. I ended up opening a dispute with XXXX on XX/XX/XXXX and the results verified the Synchrony Bank account information as accurate. I then contacted Carecredit again and was able to request a full report of statements, which I could not previously access because they closed my account. I believe that these statements, along with my XXXX credit report, prove that I never had a High Balance on this card during these dates, and that my account should never have been closed.
Consumer complaint received 2019-12-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (WA)

I have been working with this company since my first loan in XXXX. The loan forgiveness is misleading, the workers will switch how to pay the persons loan but then the loan suddenly doesn't qualify anymore for loan forgiveness. The " loan forgiveness '' is a scam- they charge high rates with few, if any, of ever reaching 120 payments. I have asked for copies of the hundreds of phone conversations I've had with them, they will not give them to me. 
I paid off my loan of $ XXXX on XXXX the check cleared on XX/XX/XXXX. The funds are " lost ''!!! And my account still shows a balance of $ XXXX, now my credit report has been dinged. 
Can you help? This is an awful practice!!!
Consumer complaint received 2018-02-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On the XX/XX/XXXX, when I tried to access Bank of America 's online bank, the answer I got was that my user did not exist, I thought they were system problems, or that they had closed my account passed to many people. 

The next day when I tried to enter I simply obtained the same result, so I took the option to call the Bank of America call center. 

The executive told me that my account was not closed, just for some reason I was not online anymore, I had to create a user and do the registration procedure, when I achieve it and see the balance I realize that I'm missing money. I start to review the records and see that three transferences that were made to my account by a sale were reversed. One for u.s.d. XXXX, another for usd XXXX and another for usd XXXX. 

I go back to the Bank 's executive and she tells me that the bank that made the transfer went to the bank and stated that her account was cheated and that she had not made those transfers, the bank without investigation or communication or information to my person. the imperative decision to take that money away from me. 

I sold some bitcoins from the official website and the payment was via transfer the money came to my account so I released the same As it turns out, in the bitcoins account it now appears that they are scammers, they are dedicated to this.
Consumer complaint received 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I appreciate your help to REMOVE some accounts from my credit file that occurred because of a FRAUD yet I have certain accounts passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my objective and they are eager to consider you responsible for your negligence. 
XXXX XXXX Balance Owed : {$8900.00} XXXX XXXXXXXX Balance Owed : {$12000.00} XXXX XXXX XXXX Balance Owed : {$2700.00}
Consumer complaint received 2023-02-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I just received a letter from Transunion confirming XXXX XXXX XXXX Missouri was accurate.I went to the XXXX XXXX XXXX  Missouri today they denied having a investigation with transunion.So ask for a letter he said he had none he could give me so Im filing a complaint I got copies of the transunion report as evidence will send in attachment, and can you please make sure all three bureau show a deletion of all information please thanks
Consumer complaint received 2020-02-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (VA)

Mortgage Assistance Application Loan # XXXX - Attn : Case Manager 1, XXXX XXXX Hello, I have been working with my mortgage company to modify my mortgage. Due to a job loss in XX/XX/XXXX, I was unable to meet my mortgage obligations. So I have applied with my lender to modify my loan. Recently my most recent application was over 90 days old so the lender asked me to fill out another loan modification application and financial form. And this was requested by XX/XX/XXXX. But in doing this my mortgage company on XX/XX/XXXX notified me that a foreclosure sale date has been set for XX/XX/XXXX. According to my research Regulation X of The Real Estate Settlement Procedures Act of 1974 ( RESPA ). Notes that if a loan modification application has submitted a lender can not set a foreclosure date that's more than 37 days of the application. But that's exactly what my lender has done. There has been a lot of confusion from my lender, the loan has changed management companies 2 times since the start of this application. I actually have two letters on the same letterhead dated the same but with different information. One letter states my loan modification can not move forward. And the second letter dated the same date as the first asked me to send in more documents to further review my application. 

PHH Mortgage Services enforced by XXXX XXXX Sincerely yours, XXXX XXXX XX/XX/XXXX XXXX Loan # XXXX
Consumer complaint received 2021-08-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: eToro USA LLC (FL)

While this is not the biggest issue in the world, It is very inconvenient. 
I am a crypto currency investor and I use the site known as eToro to buy and sell my coins. 
When I joined, it was extremely easy and adding money from my bank to my etoro account even easier. HOWEVER, today i decided to withdraw just a little back to my bank. To give you all the details of what I had to go thru may add an hour or more typing to this complaint. The best way to describe it is, I had to go thru both XXXX and XXXX XXXX to achieve my goal, Instructions not available, or different instructions depending on which part of the help page you ask. Very personal questions deemed as NECESSARY in order to complete form, and a number of other things, like difficulty locating certain applications, incorrect instructions, statements such as, If u use this method we can not guarantee the money will arrive to your destination, which caused me to think, well I better try the other method. The same message would be at the other method as well, so either way u r being told, if u withdraw we won't guarantee you get your money. These are just a few of the issues i had to get thru.. Now I have a fear of withdrawing my money later. It is not very much but it is all I have to invest I'm a senior citizen on a fixed income. Thank You XXXX
Consumer complaint received 2023-02-04
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. (TX)

I submitted this complaint to update this suspicious information. The 3 Credit Bureau must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX XXXX XXXX  Balance : {$65000.00}.
Consumer complaint received 2024-04-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (IN)

I was searching for a couch to purchase on XXXX XXXX, where I was moving to on Saturday XXXX. I messaged a seller name " XXXX '' about purchasing a couch and asked if it could be held until I moved in to my apartment on XXXX. She agreed to hold it until that date for a {$100.00} of the total {$350.00} price, then an additional {$50.00} for the delivery fee the day of. I paid through PayPal {$100.00} for the hold on XX/XX/24. The recipient was " XXXX XXXX '' with email XXXX for the PayPal account. The seller was responsive after that. I messaged on XX/XX/24 about delivery location loading zone, to which the seller responded and say they would see me there and that the delivery fee of {$50.00} can be sent over. I completed that payment on PayPal on XX/XX/24 to " XXXX XXXX '' with email XXXX. After the seller confirmed my payment, they left the conversation on the XXXX XXXX messaging app and I never received the couch or a way to contact them to get the money back. I took screenshots of all of the conversations and transactions that were made to dispute this. The seller required me to send the payments through PayPal as " Friends and Family, '' and after calling PayPal to cancel the payments, I was told I could not get it refunded from PayPal as it had been completed as " Friends and Family. '' After checking the conversation again today on XX/XX/24, the seller " XXXX '' is now " XXXX XXXX  '' and all of the messages that were previously sent by them are unavailable to be seen. I have reported this as a scam to XXXX the day this occurred, but want to get this money I was scammed out of back.
Consumer complaint received 2024-05-31
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: SYNCHRONY FINANCIAL (FL)

XX/XX/year> RE : Complaint Regarding Closed Account Access - Synchrony Bank ( Account Number : XXXX ) Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a complaint against Synchrony Bank regarding their refusal to close my online account associated with my closed credit card account ( number XXXX ). 

Background : On XX/XX/year>, I closed my credit card account with Synchrony Bank ( account number XXXX ). I received confirmation of the closure via mail dated XX/XX/year>. Shortly after the closure, I received the remaining balance on the account. 

On XX/XX/year>, I received an email notification from Synchrony Bank regarding a new statement for the closed account. While the statement showed a XXXX balance, I was concerned that the ATM card associated with the account was still active. I deactivated the card and contacted Synchrony Bank 's customer service on the same date. 

During the call, I was informed by a customer service representative that Synchrony Bank 's policy is to not remove online access for closed accounts. I expressed my concerns about the security risk of maintaining an online profile for a closed account and requested its permanent closure. 

On XX/XX/XXXX, and XX/XX/year>, I submitted a formal request through Synchrony Bank 's messaging system to permanently close my online profile. I emphasized the security vulnerability of an open online profile for a closed account. 

Despite my repeated requests, Synchrony Bank has refused to close my online account. 

Request : I request that the CFPB intervene and instruct Synchrony Bank to permanently close my online profile associated with the closed account number XXXX. Maintaining access to a closed account poses a significant security risk to my personal information.
Consumer complaint received 2024-05-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: DISCOVER BANK (NY)

My name is XXXX XXXX. 
I am writing to inform the " Consumer Financial Protection Bureau '' that i was bribed, scammed by this account number XXXX, belong to XXXX XXXX. 
the bank name is Discover bank. 
That Discover bank is fostering a network of scamming, and had refused to return the sum of {$20000.00} that XXXX XXXX XXXX, with his accomplices scammed me. 
The scammer with his accomplices had promised me a private agent job for Actor XXXX XXXX.
Consumer complaint received 2020-02-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (NY)

I opened a checking and savings account with Citi bank. I did not have an account previously. I received an ad in the mail stating I would receive a {$600.00} bonus if I deposited {$50000.00} and held that balance for 60 days. My new account number is XXXX was opened in XX/XX/XXXX. 

On XX/XX/XXXX I called citi bank to make sure I was eligible for the bonus. The citi rep assured me I was, and I asked him to note this on my account and make a record of the call. He said the call was recorded. 

I deposited {$50000.00} on XX/XX/XXXX. This was my only transaction in the account until XX/XX/XXXX. 

On XX/XX/XXXX ( approximately, cant remember the exact date ) I called citi again, as the 60 day period was complete. The rep told me there is an additional 90 day waiting period to get the funds. She again confirmed I was eligible for the bonus and I would receive it within 90 days. 

On XX/XX/XXXX I called citi, more than 5 months after I originally deposited and held the {$50000.00} in the account. They now say I was not eligible for the {$600.00} bonus. I spoke to 4 people, including 2 supervisors. They all acknowledge that my the 2 reps I spoke to ( in XXXX and XXXX ) left notes on my account detailing our conversation, however they refuse to pay the bonus now. They say the reps I spoke to were misinformed.
Consumer complaint received 2020-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am a victim of ID theft I have requested that dept of edu review/investigate my file and remove from all credit reporting agencies no response received I dont believe my credit investigation is being completed because no changes have been made
Consumer complaint received 2020-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of ID theft I have requested that dept of edu review/investigate my file and remove from all credit reporting agencies no response received I dont believe my credit investigation is being completed because no changes have been made
Consumer complaint received 2020-02-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO Bank, N.A. (IL)

I opened an account with BMO Harris Bank on XX/XX/XXXX using a coupon I received from the bank for a promotion in which I needed to completed the three following offers to receive a bonus of {$700.00} total : Offer 1 Get a {$400.00} bonus when you open a checking account and complete the following activities within the first 120 days : Have a total of at least {$6000.00} in qualifying direct deposits, enroll in BMO Digital Banking and set up paperless statements, and make at least 10 qualifying electronic transactions.

Offer 2 Get a {$200.00} bonus when you open a Platinum Money Market account, deposit at least {$10000.00} in new money and keep it for 90 days. 

Offer XXXX - Get a {$100.00} bonus when you open both accounts with your promo code! 

I followed the directions exactly as the email with the coupon directed and inserted my Promo Code XXXX ' into the box which should have prompted the website to open the two accounts associated to the promotion code. When I spoke with the BMO Harris Bank customer care person they confirmed that they had a problem with the link that was opening up the wrong type of account for 'Offer 2 ' above. It opened a 'Statement Savings ' account as opposed to the 'Platinum Money Market ' account it was supposed to have opened.

I called when I noticed the account type didn't reflect the promotion to alert them of the error on their end. The customer service agent said they weren't able to modify the account type, but I should keep the {$10000.00} in the account and call after 90 days to receive the additional {$200.00} for completing Offer # 2 and {$100.00} for completing Offer # 3 above. When I called on multiple occasions they were unable to honor their promotion and as of today, XX/XX/XXXX, I have only received {$400.00} total of the {$700.00} I was supposed to receive.
Consumer complaint received 2020-02-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

My name is XXXX XXXX and my phone number is XXXX. 
On XX/XX/XXXX, I went to Chase Bank, located at XXXX XXXX XXXX, XXXX XXXX, NY to obtain a customer 's check for {$1.00}, XXXX from my account in which the funds were available. I received the check from one of the Tellers and noticed that the information that was given on the check was incorrect ; I then brought it to the Teller 's attention who then reissued another check with the correct information and amount. 
On the evening of XX/XX/2020, after reviewing my account, I noticed an unauthorized transaction. On the following day XX/XX/2020, I went to the Chase Bank at the address listed above and spoke to one of the representatives by the name of XXXX, who after reviewing the account, explained to me that the Bank had made a mistake by not debiting my account after issuing me the check. I also spoke with the Branch Manager who also confirmed and admitted that it was an error on the bank 's end. I was unaware of error on the bank had made since the check was given to me. 
I spoke to the branch manager who told me that, there is nothing that she could do to help me. As a customer, I feel helpless because this blunder made by the bank has left me with a negative of {$1100.00} and some change. This is affecting my rent because it is the end of the month and all my money is gone. I am very disappointed because the bank is not complying with regulatory rules like Regulation E and I feel as though they are taking advantage of their clients.
Consumer complaint received 2021-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX continues to report incorrect late payments after numerous disputes with the credit bureaus. These incorrect late payments are severely affecting my ability to buy a home and buy another car with an affordable interest rate.

I have 5 total late payments reporting on each major credit bureau. I have the payment confirmation from my email to prove that all of these payments were made on time. I also have the corresponding bank statements to show each payment being deducted from my bank account. 

I am requesting that each late payment is updated as an on time payment.
Consumer complaint received 2019-12-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (PA)

I paid my mortgage through XXXX 's website on XX/XX/XXXX. hey pulled the money twice out of my XXXX Bank account. They refunded the second payment, but then took the money out again 1 day later. It took hours of phone calls, including a conference call with XXXX, to finally get te double billing efundd on XX/XX/XXXX. They are now saying I am deliquent on my mortgage and they have not received any payment for XX/XX/XXXX!!!!
Consumer complaint received 2021-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX continues to report incorrect late payments after numerous disputes with the credit bureaus. These incorrect late payments are severely affecting my ability to buy a home and buy another car with an affordable interest rate. 

I have 5 total late payments reporting on each major credit bureau. I have the payment confirmation from my email to prove that all of these payments were made on time. I also have the corresponding bank statements to show each payment being deducted from my bank account. 

I am requesting that each late payment is updated as an on time payment.
Consumer complaint received 2021-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

XXXX XXXX is reporting a balance of {$20000.00} for a debt that I DO NOT owe. It is possible that another family member could be responsible for this debt. 

I have been trying to dispute this with them and the 3 major credit bureaus for over a year now with XXXX  success.

This company is currently undergoing a class action lawsuit for violating Minnesota state laws and various other lawsuits for unethical and illegal practices.