davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA (IA)

Hello, I have been having a nightmare of an experience with my auto lender, Hyundai Motor Finance. On XX/XX/XXXX, my vehicle was totaled by a negligent driver who wasnt paying attention. I had a fairly new car that I had bought in XXXX of XXXX. I was underwater on the loan but thankful That I opted for the GAP coverage the XXXX dealer promoted when purchasing the vehicle. I thought that out of everything, the GAP insurance company would be the most difficult to work with. I was wrong. The gap administrator ( XXXX ) has actually went above and beyond in also reaching out to XXXX XXXX, going so far as to email them 3 times a day asking for assistance, but to no avail. I have contacted XXXX by phone 18 times since XX/XX/XXXX, trying to get 2 payment documents the GAP administrator needs : a full payment history with a running balance and a payoff statement. They straight up refuse to send me these documents and evidently never plan to send them to my GAP administrator either. I have been hung up on. I have been told my account was inaccessible. Its been almost 3 months since the accident and I have gotten absolutely nowhere. In the meantime, I am forced to continue making 2 car payments each month, which I dont have the money for. Not only that but I spend a good amount of time on hold with their customer service every other day trying to get this resolved. Unfortunately I continue to get the runaround with the same canned response & inaction. I have a good credit score and dont want to stop paying where my XXXX goes down but it also makes me sick paying a company that provides such terrible, predatory customer service. Please help. I dont know what else to do and fear I am going to get into financial trouble as a result. I dont want anyone else to go through this horrendous experience. 

Lender : Hyundai Motor Finance XXXX XXXX XXXX XXXX XXXX, CA XXXX Please help
Consumer complaint received 2019-12-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: PlusFour, Inc (CA)

Several months ago, I received an alert from my credit monitoring service indicating a negative account was added to my XXXX  and XXXX  credit files by Plus Four so I drafted up a letter and mailed it to Plus Four via USPS Certified mail with Returm Receipt. Several days later, the mail was returned to me as undeliverable because Plus Four refused delivery. I have included photos of the actual letter I sent along with front and back pictures of the envelope with postage/certified mail sticker/return receipt still attached, with the word " Refused XXXX '' written on the front of the envelope and the envelope remains unopened. Under the Fair Debt Collection Practices Act, I have the right to validate the alleged debt and due to Plus Four 's deliberate intent to evade this process, has not afforded me the opportunity to do so. Their failure to validate debt and accept mail delivery to their business is a clear violation of the law.
Consumer complaint received 2021-07-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IL)

{$980.00} on XX/XX/2021 and {$1700.00} XX/XX/2021 {$910.00} on XX/XX/2021 Made Zelle payments via Chase bank but because made on the weekend I did not get the option to reverse/cancel the charges. I had to wait till Monday to call back when Chase bank XXXX/Fraud department open and it was too late.
Consumer complaint received 2021-07-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (CA)

Since XX/XX/2021 Wells Fargo Bank has held all the funds in my XXXX  bank account citing a fraud investigation. I have been spoken with numerous individuals in the fraud department, as well as the branch manager and other branch staff. Additionally, I have emailed as well. There have been multiple statements from Wells Fargo saying that the account will be closed and that my funds will be sent to me by cashiers check, with the last date given as XX/XX/2021. However, they never sent me a cashiers check and when I went into the branch I was told that my account is frozen and I can not access my funds. The bank representatives continue to say that I had a wire recalled and that is why they are not releasing funds, and when I ask for proof of that, they deny me access to my business account records. I believe this is because there has never been a wire recalled, and the fact that my account balance does NOT have a negative balance proves that! They also allege fraud, and I have asked them to please prove that or release my funds as they stated within the Wells Fargo Bank statement they sent me with the deadline date of XX/XX/2021. The last conversation I had was with the Wells Fargo Bank branch manager and she said that the branch will no longer be able to help me. I have left numerous messages with the fraud department, filed multiple complaints to the branch, and still have not heard anything. Meanwhile my funds are still locked in my business account. Please help me. I am suffering a tremendous financial hardship from this, and had all of my retirement funds sent to my Wells Fargo Bank account ( {$73000.00} ) but can not access them. I need to expedite this complaint as I am unable to pay my rent because I am currently experiencing COVID related unemployment. Thank you so much for your assistance in this matter.
Consumer complaint received 2017-03-22
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NY)

On the internet I searched for " IRS EIN Number ''. A site came up appearing to be the IRS. With my CitiCard issued by Citibank, fooled by the site, I paid what I believed to be a customary fee of {$140.00} to the IRS. The next day realizing that the legitimate IRS provided EIN numbers free of charge I emailed the merchant informing I was rejecting his service. In fact I never opened the merchant 's email presumably providing me an EIN number. I informed Citicard of the above via phone and in writing. Citicard via their dispute process ruled against me. Attached find the dispute ruling ( 1 page ) and the documentation ( 8 pages ) submitted to Citibank upon which Citibank ruled the dispute.
Consumer complaint received 2021-07-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Social Finance, Inc. (AZ)

Upon opening up this account with Sofi, it was advertised and opened as an account that would allow you to overdraft up to {$50.00} if you qualify. The qualifications were you would need to have at least {$1000.00} in direct deposits monthly. They also had a promotion that ran concurrent with the overdraft protection but for direct deposit itself. If you set up direct deposit you would get {$100.00} as a welcome bonus. You would need {$1000.00} in qualifying direct deposits in order to qualify for the {$100.00}. On XX/XX/2021 I received my {$100.00} welcome bonus. Hence, that means I must have had qualifying direct deposits, as I had. However, I never ever til this day was able to use my overdraft. I relied on it, despite never using it, but being that I had qualified month after month, at one point I put my trust in Sofi to see the logic of why I should qualify for overdraft and provide this feature that they offered and I established this account to use. I was told by a manager that my direct deposits are being coded as deposits. Due to this misnomer, no fault of my own, they never gave me access. I emailed, I went on social media, I spoke with various departments. I was told to wait like 2 weeks and then once I qualify with the {$1000.00} deposits again, it would work. I subsequently moved my deposits elsewhere since I need overdraft at time, and after months of qualifying and even getting a bonus paid out due to direct deposits being received, it is infuriating that they did nothing despite my numerous complaints to provide me the benefit they dangled to cause me to get the account. I have since been told that I would just need to qualify again with the deposits in order to get the overdraft, which they fixed now for my account I guess. But I had been inquiring since XX/XX/XXXX and have been ignored and lied to along the way, and so I just had my deposits go back to my prepaid account that offered overdraft coverage at a higher amount and without a debacle over the difference between a deposit and a direct deposit.
Consumer complaint received 2019-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

Had a promotional balance of {$550.00} at 0 % APR and a revolving balance of {$180.00} at 22 % APR, and their policy is to pay off the balance with the highest apr first, and they didn't do that. Instead they are continuously sending my payments over the minimum {$35.00} ( {$230.00} in XXXX. ) towards my promotional balance and charging me interest on my revolving balance. 

Not only that, their customer service just talks you in circles and ignores the problem at hand.
Consumer complaint received 2024-04-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Capital one emailed me on XX/XX/24 they were closing my checking account and would transfer the funds to an external account linked which I have ; within XXXX business days. On Friday XXXX it has not yet been transferred to me. I called twice and the service rep threatened me the first time and the second time I called Saturday XXXX the rep told me they had called the XXXX whom was in charge of the closure and had send the request to transfer funds out but it hadnt been approved yet. 

The email on XXXX stated also that to cancel any checks or deposits coming in as the account was restricted for use. I changed my direct deposit for work but payroll was already in for the week and this to my understanding since the account was restricted it would not accept it and kick it back to work. Capital one still accepted it so since Tuesday with a health condition I have went on nothing no gas no medicine and no access to it since they have not transferred my funds to me as they said they would do in the email by Thursday or Friday. It is Sunday and I am without a dime. I cant not have access to my money. I wont have gas to get to work and my funds capital one has not transferred yet. I cant wait XXXX days for a check. The email clearly stated on XXXX in XXXX to XXXX business days they would transfer the funds if an external Checking account is linked and it is.. I need my money sent to me or I have no access to help for my health condition or gas to work. I had XXXX in the account and then they allowed my pay Friday to be deposited when they said it was restricted and held it too. I have XXXX plus dollars capital one is holding and not a dime to my name I can access until they send my funds to my external account. I will run out of food if they mail a check long before. Or lose my job because all the money I had is stuck in the bank and I could not get gas after today.
Consumer complaint received 2021-07-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Franklin Collection Service, Inc. (AL)

I received an alert on my credit report a few days ago that I had a medical collection debt that I do not recogonize and it caused my score to decrease by more than 38 points. I'm in the process of trying to get mortgage as I'm trying to be a first time home buyer. This is too stressful as I'm already dealing with the reporting agencies ignoring my request now I have this collecton appear out of no where. I never received any notice in the mail or anything to even even verfiy if this alleged debt even belongs to me
Consumer complaint received 2021-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

I transferred money from my Fifth Third checking account to a new account at a different bank. Even though my checking account had a XXXX balance as of XX/XX/XXXX, Fifth Third charged the account a {$25.00} service charge on XX/XX/XXXX. On XX/XX/XXXX I received a letter advising me to pay the service charge or it would be charged off and may be reported to a consumer reporting agency and passed on to a third party debt collection service. I do almost all of my banking online and when I transferred the funds I looked for but was unable to find an option to request the account be closed. I do not feel I should be charged a monthly service charge for an account with a XXXX  balance.
Consumer complaint received 2021-07-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (TX)

LVNV FUNDING c/o Resurgent Capital Services has been reporting a collection account on my consumer report which violates my federally protected consumer rights. I have sent the company debt validation letters pursuant to 15 USC 1692g demanding they validate the alleged debt account with information on the original creditor and provide the name and address of the " original creditor '' and show any ledger and any type of " delegation of authority '' to confirm that LVNV FUNDING c/o Resurgent Capital Services is owed a debt from me, the natural person/Consumer pursuant to 15 USC 1602 and they have failed to provide any documentary evidence to show that their claims are true and I owe any alleged debt and to prove that they have right and authority to collect any alleged debt from me. LVNV FUNDING c/o Resurgent Capital Services is reporting this information on my consumer report creating an adverse action pursuant to 15 USC 1681a ( k ) ( 1 ) and has caused damaged my reputation and caused financial loss and the loss of my security clearance and are civilly liable pursuant to 15 USC 1640 and criminally liable pursuant to 15 USC 1611. LVNV FUNDING c/o Resurgent Capital Services refused to show me any proof of where this transaction originated and how I ended up owing them any alleged debt and failed to prove how they ended up with my personal information.
Consumer complaint received 2021-07-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (CA)

The collector Jefferson Capitol LLC on XXXX XXXX at which time the call dropped and I returned the call at XXXX, and never received written notification of debt. I spoke to a manager by the name of XXXX today who informed me to put it in writing and mail to her. I sent them a certified return receipt letter today as well.
Consumer complaint received 2021-07-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (AZ)

my complain is with fay servicing XXXX they took over the loan from XXXX XXXX XXXX # XXXX now im in forecloure never got a notice in the mail, also we had XXXX  in XXXX i left the company know i needed help which the agreed to please help
Consumer complaint received 2019-12-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (LA)

On XX/XX/2019, I had filed a CFPB Complaint ( # XXXX ) against Wells Fargo in what I felt was harassment and lies to give themselves an opportunity to deny me of any mortgage assistance. 
The original complaint was my frustration with Wells Fargo for fabricating the denial reasons for mortgage assistance. They had claimed that I never provided any documents to verify my income. This was a lie. I provided them. They did respond to this first complaint and I was put back in review as of XX/XX/XXXX. They stated that they would conclude my review in 10 days. We are now into XXXX and nothing has been resolved. They have stalled and stalled and stalled. 
On XX/XX/XXXX, they requested my lease agreements to be notarized with myself and the tenant present. I provided this to them 4 days later. On XXXX, they stated that the notary seals are not legitimate and that the notaries were not either. They insisted that I get new notary seals and that I can not use the same notary. The notaries are NOT questionable. One works for the state and the other for my Federal Credit union. How are they not legitimate? 
On XX/XX/XXXX, Wells Fargos underwriter who has been causing problems notated that he/she feels that none of my notarized documents are valid because the notary, myself and the tenant were not present. How can this underwriter make such a claim??? They were not present at the signings! This is ludicrous and again another fabrication. In order to find out why this underwriter is making such a claim and giving such a hard time, I tried to have a conference call to inquire about this. The answer I was given to this request was the underwriter has opted out because they have requested the information that is needed. 
So now, I am once again at a standstill. At this time, Wells Fargo and this underwriter are causing a diversion by coming up with another lie to distract from the real problem. My review and why they are not giving me a fair one. I want Wells Fargo to stop this game and I want this underwriter to be held accountable for the problems that I have been caused. I DID PROVIDE THE RELEVANT DOCUMENTS TO VERIFY MY INCOME AND MY NOTARIES ARE LEGITIMATE. MY TENANT, THE NOTARY AND I WERE ALL PRESENT AT SIGNING. Please help me with this. Why are they doing this to me?
Consumer complaint received 2024-04-14
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Due to a problem with my checking account I made a late payment on my credit card. The payment was due XX/XX/2024 and my payment wasn't made until XX/XX/2024. I was charged a {$40.00} late fee on XX/XX/XXXX. When I called Capital One 's customer service to complain about the amount of the late fee and mentioned the new law limiting the amount of late fees, the customer service rep told me they had never heard of the law. I asked to speak to a manager and the manager told me the law was not in effect yet. I have searched on my own and can't find a clear date when it takes effect. I am seeking clarification.
Consumer complaint received 2024-04-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (KS)

Over the last two days I've had two large payments taken from my account. Each for {$150.00} totaling to {$300.00}. I tried contacting cash app support with no luck and did two disputes and they refused them. Says they found no error. But I see a huge error. My XXXX dollars being stolen is a pretty big error to me!!!
Consumer complaint received 2022-12-15
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)

This is my 6TH endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion.
Consumer complaint received 2021-07-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (TX)

On XX/XX/21 I made a {$1900.00} withdrawal from my Coinbase account to my bank account. On XX/XX/21, this withdrawal posted to my bank account as expected. However, on XX/XX/21, I get an email that this withdrawal failed and a credit was posted to my Coinbase account. I did not realize that the XX/XX/21 withdrawal actually posted, so on XX/XX/21 I tried to withdraw again. Coinbase realized that there was an issue with ACH transfers on this day, and took the {$1900.00} credit back on the account, resulting in them selling some of my assets and leaving me with a negative USD balance. 

They then proceeded to lock my account, asking for me to pay back what I owe. They aren't telling me how much I owe, and they are keeping my assets for ransom. They are not responding to any of my customer service emails
Consumer complaint received 2021-07-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MO)

This complaint is regarding Complaint XXXX Experian responded stating that I needed to state exactly what the inaccuracies were and personal information. I have previously sent all this information by mail and no luck in them responding to my disputes. Under Complaint XXXX all the documentation was attached that was previously sent via usps mail at this point this is clearly a stall tactic and I will have to take further if this is not corrected after this complaint to FTC I have kept all documentation I have sent them over and over my disputes of my concerns and they are the ONLY BUREAU refusing to honor my request as a consumer. At this point you have past the timeframe and I know that they have received all my mail due to nothing coming back to my address showing return to sender. I am now demanding removal or please be prepared to issue payment to me due to filing a civil lawsuit with my consumer attorney for them violating my rights this is ridiculous at this point.
Consumer complaint received 2021-07-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/21 I ordered a Doggy Seat Belt for advertised price of {$9.00}. This company processed the order for {$36.00} Item # XXXX. Then it processed an unauthorized order for {$9.00} # XXXX for a No-Pull Harness ( S ) + 1 Lease. I did not order a Harness or a Lease for {$9.00} that price was for a Doggy Seat Belt. 
That is the only item I authorized, a Doggy Seat Belt for {$9.00}. Now what is odd to me is that a No Pull Harness + 1 Lease for {$9.00} is so much lower in price for two items, ( of which I did not order nor did I receive ) than a Doggy Seat Belt for {$36.00} which is a Strap of about 2ft. with a latch that buckles to the seat belt clasp. That's it! I called the Bank of America the very next day and there was a complaint filed. They investigated, and denied my claim, and also mentioned my History on my bank account. ( This is discrimination ). If this is how they reached a decision on my case. I disputed the decision and they denied that, closing the case.