davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-26
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: JPMORGAN CHASE & CO. (LA)

On XX/XX/XXXX I purchased two {$50.00} XXXX XXXX & XXXX XXXX Gift Cards from retailer XXXX at their store in XXXX, LA. The cards were purchased using my Chase Sapphire Checking Account Debt Card at one of the self-checkout registers. The transaction posted to my bank account but I found out days later when I gave the cards to a family member that the cards were not activated. 
After checking my XXXX  receipt, it shows on the line item details, Invalid Barcode but it still allowed me to pay for the gift cards without activating the gift cards. 
I have been back to the retailer 3 different times now to try and resolve the matter, each visiting taking an hour or more. I have been referred to XXXX gift card customer support department by XXXX  customer support department and viceversa. Both companys support representatives say that their is nothing that they can do and that it is the other retailers responsibility to fix it. 
Today, I went one last time to the XXXX  store which I purchased the gift cards and asked to speak directly to the store manager. She was unable to help me and then sent out the Asset Protection Supervisor ... ..his name is XXXX and his statement was, There is nothing we can do to fix this for you because it shows that the transaction went through our system and if the wrong barcode was scanned it shouldnt have let you complete the purchase. 
After showing him that the receipt indicates Invalid Barcode and the transaction being completed dispite the wrong barcode being scanned, he said I dont know what to tell you. There is nothing that we can do. I asked to speak to his supervisor, and he said that his supervisor, XXXX, wasnt working today ( XX/XX/XXXX ) and to try back Monday at XXXX. 

I can not get my money back, and even though I no longer need the gift cards, I would still accept XXXX  issuing me new gift cards or activating the ones that I paid for. 

XXXX  Reciept ID # : XXXX Purchase Made with Card Ending in XXXX Card Holder Name : XXXX XXXX Amount of Purchase : {$90.00} Time of Purchase : XXXX CST Date of Purchase : XX/XX/XXXX XXXX  Store : XXXX XXXX XXXX , XXXX, LA XXXX XXXX Store Phone # : XXXX *Note - I was only charged {$90.00} for two {$50.00} Apple XXXX & XXXX XXXX Gift Cards because XXXX was offering Buy One get the second One 20 % Off, which was a discounted value of {$10.00}.
Consumer complaint received 2019-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OK)

Received a letter today, XX/XX/19 from XXXX XXXX  XXXX today, stating I tried to open an credit card account with them ; this is false. 

Performed an XXXX, most of my information is correct. 

Did notice there are several soft inquires for XXXX XXXX, XXXX and XXXX dated XX/XX/19. Started the process of placing a fraud alert on my account. They need verification, SOMETHING IS MISSING ON MY CURRENT, 20 MINUTE OLD REPORT. 
The website directed me to a 1888 to speak to an agent, he is looking for an account that is not on my credit report so I can't verify my identity with him. 

I'm trying to put a fraud alert in my account and he has more up-to-date info than I do, therefore my attempts to verify my account fail. Therefore, he can't help me. 

I'm thinking there is a account in my name that I did not open and it doesn't even show up on in my credit report but the agent has access to this knowledge??
Consumer complaint received 2019-01-26
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 — Investigation took more than 30 days
Company: DISCOVER BANK (SD)

Discover Card has been harassing me as well as illegally reporting an " Alleged '' credit card in my name with a past due balance. I have taken all steps including filing an ID Theft Report as well as the CFPB. This has been going on since XX/XX/2018 with them continuing to report this credit card on my XXXX  credit report under my name and social security number. They have received direction from the South Dakota Attorney General 's Office stating this is an ID Theft incident and are refusing to comply with the Attorney General 's Office directive. They can not provide any contract bearing my signature, they are not licensed to operate in South Dakota and refuse to follow South Dakota Law or Fair Debt Collection Practices Act, and Fair Credit Reporting Act for the past six months.
Consumer complaint received 2022-08-29
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: DISCOVER BANK (WA)

To Whom it may concern, please remove all tradelines being reported with any derivatives of the name XXXX XXXX XXXX that name has been copyrighted, I hereby revoke and rescind any prior written or verbal consent to use the name XXXX XXXX XXXX. See attached affidavit of publication. Failure to do so will result in a lawsuit against your Financial Institution.
Consumer complaint received 2019-01-26
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (AZ)

I used paypal credit to send XXXX dollars to my wife on XX/XX/2019 using the option to send money for goods it sent the money but would hold it for 22 days. It doesn't tell you it holds the money until after you transfer it. So I sent her another XXXX using send to friends option since this was supposed to be faster. She needed the money soon. This charged me a fee and sent her the money. She then paid a fee option also to have it deposited right away of 1. % or she could pay no fee and wait 2-3 business days. It took the fee from the money but 7 days later and the money was still not transferred. She issued a refund on the site to me on the XX/XX/XXXX. The refund was never processed. She also called and was told her refund was processed and it never happened. I called today on XX/XX/2019 and the refund was still not processed and never showed she issued a refund even though she did it and called a rep to verify it. Paypal put me on hold for 50 minutes today XX/XX/2019 told me to request my XXXX dollars back from her and I would not get the fees reimbursed and she wouldn't either. Then hung up op on me. I call back and wait 22minutes but they can't do anything on level one because of their system they don't have any control over it like it became self aware and they no longer have control over it. My only option was to get transferred again to hold abyss for 50 minutes where an unfriendly non-English speaking rep would have me re-explain the whole situation again. I owe PayPal XXXX dollars minus fees for money they never transferred to the recipient. And to get it back I need to request the money from the recipient and have them also pay fees to send it. 

TLDR : Paypal charged me XXXX plus interest fees and the recipient fees to transfer XXXX dollars they never transferred. Now they want to keep those fees and have me request the XXXX dollars back from the recipient having them pay fees for money they never transferred to the recipient 's bank account.
Consumer complaint received 2023-11-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (FL)

On XX/XX/XXXX  cash app processed a transaction in the amount of {$75.00} as an ATM withdrawal and charged me a XXXX ATM fee. This transaction was done at XXXX which is a store. The charge was {$70.00}. The merchant charged me XXXX dollars to use my debit card but then cash app turns around and processes the transaction as an ATM transaction when it was not according to cash app. The transaction was a ATM withdrawal at XXXX XXXX  which it was not. Ive provided them the receipt and I have attached it here. I need a phone call from the company not emails and I need my XXXX back.
Consumer complaint received 2019-01-26
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. (CA)

regarding XXXX/XXXX  account no.XXXX appearing wrongfully on my transunion and XXXX reports . 
I NEVER ORDERED THIS CARD. 
I NEVER ORDERED ANY MERCHANDISE. 
ALL OF THE CHARGES ON THIS CARD ARE RETURN OR RESTOCKING FEES AND THE INTEREST ASSOCIATED WITH THOSE FEES. 
DELETE THIS FRAUDSTER 'S ACCOUNT FROM ALL CREDIT BUREAUS.
Consumer complaint received 2019-01-26
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: Source Receivables Management LLC (CA)

XXXX  has been non-compliant with removing the unverified account SOURCE RECEIVABLES MANAGEMENT Opened Date XX/XX/2018 which has been deleted by XXXX  and XXXX. XXXX and XXXX  have both completed their research and determined that SOURCE RECEIVABLES MANAGEMENT was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2023-11-30
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: Block, Inc. (MD)

I made a purchase for glasses via the cash app in app offer for 10 % Cash app charged my card visibly seen of XXXX. I have asked for a manager, cash app has poor customer service. They updated my transaction to XXXX which I was not charged at XXXX XXXX XXXX. I was told that this ill take 10 business days. I am XXXX and had to pay for XXXX. Cash app is dangerous and business practices should be investigated.
Consumer complaint received 2019-01-28
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ORG GC GP BUYER, LLC (CA)

I don't know why I must spend so many countless hours trying to get GC Services to repsond to my authroized represenatives letter ( s ). GC Services will not stop calling me even after I asked them stop calling on my cellular telephone. 

PLEASE CONTACT XXXX XXXX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2023-01-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WATERMARK CAPITAL, INC. (CA)

I have two mortgages with Watermark Capital , Inc. Loan # XXXX and # XXXX They have always been slow to process payments but in the last few months its gotten horrible. In XXXX I sent out a payment through XXXX bill payment. Most of the payments through this system are processed and posted by the company to their web site in about three days. In XXXX, they didn't post it until the XXXX of XXXX, about two weeks after I'd submitted it through XXXX and 8 days after XXXX had reported it was processed, and this only after I'd called to find out what was going on. Because of this I sent paid them earlier for the balance due on XX/XX/XXXX. Again, through XXXX bill payment I sent out the payments on XX/XX/XXXX. As of XX/XX/XXXX the processed one payment on XX/XX/XXXX and the other has not been processed. 
I called on XX/XX/XXXX to find out why they haven't been processed. I was told that they would look into it and asked me to call today ( XX/XX/XXXX ) to see what they had found. When I called, they told me nothing had processed. I could see on their web site that one of the payments had been processed and when I tried to tell the first representative that, he didn't listen to me ( I literally asked him if he'd heard what I just said and he just repeated the last three words I'd spoken ) so I asked to speak to a supervisor. 
When I talked to the supervisor, named XXXX ( Unsure of spelling ) He consistently told me it was the fault of the post office and told me several times that neither check had been processed. I created a conference call with XXXX who noted that both checks had been mailed out on XXXX, that they should have been received by XXXX at the latest and that one of them had been paid. It was only then that the Watermark rep admitted that they had processed that check. He then told me that the hadn't received the check until XX/XX/XXXX though I could see on their site they received it on XX/XX/XXXX. 
At one time he told me that " as a onetime courtesy '' they would waive the fees associated with a late payment, but then later told me he could only put in a request. 
Although he consistently blamed the USPS, and holiday mail, I consistently pointed out to him that holiday mail happens before the holidays and not after, that they have always processed check slowly but for many years that process has been before the XXXX of the month but he consistently blamed USPS. 
After threatening to officially report their unreasonably slow processing practices, he became more helpful and promised to do a better job of looking into the second unprocessed payment and figure out what happened. I'll be calling again tomorrow, hopefully without needing to take a 3rd hour out of work to talk to them.
Consumer complaint received 2019-07-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A. (WI)

Loan ending in # XXXX. We were told ( several times ) that there was never a loan interest rate of 3.625 % at the time of our application on a investment property. Why then did we receive two commitment letters, one dated XX/XX/18 and the other XXXX dated XX/XX/2018.
Consumer complaint received 2019-02-01
Product: Credit card or prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Blackhawk Network Holdings Inc. (GA)

I sold my gift cards to XXXX  who has left it in " in review '' status for 2 weeks. Emails, XXXX posts and XXXX posts have all gone unanswered. Offer number is XXXX.
Consumer complaint received 2019-02-01
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: R.A.Rogers, Inc. (VA)

This morning I received a phone call about a debt I have with the XXXX XXXX XXXX. I acknowledge that I have a debt but never received paperwork from the company collecting. I have been in contact with XXXX XXXX XXXX to take care of this. The gentleman 's tactics were not only rude but he didnt do much of explaining. Also, he called my husband in regards to this.
Consumer complaint received 2017-12-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MD)

Around XXXX and XX/XX/XXXX Freedom Mortgage was almost late paying my property taxes as I received a correspondence in the mail stating that they have not received payment and that if its not sent by a certain time I will incur a penalty. Also on XX/XX/XXXX I sent in a wire transfer of {$850.00} to Freedom and have yet to apply the payment to my account which is causing me to be super late with my mortgage payment. This company has some of the worst customer service and are not willing to assist you in trying to resolve any issues. I asked to speak to there superiors but they claim they would n't be able to help me and they will tell me the same thing they told me. Totally unacceptable with this company.
Consumer complaint received 2020-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (OR)

Because of the wildfires in XXXX county OR, power to my home was cut/went out & this caused the septic system to stop working so sewage was spilling into my front yard. On XX/XX/20 I reviewed my online account with American Express to confirm I had roughly {$3800.00} in spending power. The septic company finished working on my system, and when I attempted to pay the {$690.00} bill, the card declined. When I called the company to find out what was going on I was informed that my account was " under review '' and I wouldn't be able to pay the contractor unless I paid them {$240.00} dollars. My payment was NOT past due and again, the online system stated I had over {$3800.00} in available credit. The individual I spoke with provided XXXX solutions in a time of crisis, told me that was just the way it was, and that I had to shell out what little cash I had left to make sure the septic contractor was paid. The complete lack of communication about the reduction in limit, and nonexistent help from the individual on the phone are completely unacceptable ; as is penalizing people who are in crisis and rely on the accuracy of the information provided online by their financial institutions. I was also not allowed to speak with anyone else who could resolve the situation.
Consumer complaint received 2023-11-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (NC)

OK I noticed at around XX/XX/XXXX. I was having problems with my cash app so my cash app was connected to my XXXX account so around about XX/XX/XXXX is the date that everything got missing so XX/XX/XXXX which was a Sunday I woke up to find out only had XXXX XXXX in my account Made me go check on my bank account and I seen a bunch of cash app withdrawals and I never ever send that kind of money through cash app. It was a bunch of {$500.00} {$300.00} {$100.00} {$200.00} {$600.00} and I never did that so I could not get anyone on the phone at the bank Because it was a holiday weekend so I had to wait till that Tuesday so Tuesday came and finally got somebody on the phone and that point they didnt seem like they was really trying to help me retrieve my money but as I stated to them which it read on their website that my account is protected by XXXX XXXX or XXXX insurance so as soon as I mention that I get an email stating that they have closed my account and I would not be able to reopen it. I let them know that there is scammers at her call doing a thing called cash app XXXX XXXX glitch Which is where theyre getting your XXXX XXXX or cash app information and they steal your money to a dummy account or send it to somebody elses cash app I dont really know I sent them proof from someone else who got {$39000.00} took from them same night and I just keep getting reports back stating they no error. Of course youre not gon na see an error, when they are cloning, my account on my card is going to appear like its me I reached out to cash app cash app has not responded only with the investigation, but would not wit the resolution
Consumer complaint received 2023-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Klarna AB (CA)

Klarna has made it exceptionally difficult to make payments to an open account. They do not allow payments to be made by telephone, despite my efforts to do so on XX/XX/2023. Klarna has made it exceptionally difficult to keep personal access to an open account. They recently made it a policy where you have to authenticate by access code through both email and wireless text. Authenticating with one should be enough, but they require both at the same time, and should your number change, like mine did, they can not update your phone number and restore access to your account unless you provide current photo identification through an automated process ( and customer service representatives can not do anything to help you in this automated process ). At the moment, I can not provide photo identification, because mine is expired, and being XXXX, I have not been able to go down to the XXXX and get a new card. Therefore, because of their corporate policies that deviate from standard practice, I'm going to be marked late in making my payment, affecting my credit score and financial stability.
Consumer complaint received 2023-11-28
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (MO)

I filed a dispute for an unauthorized transaction of {$270.00} to XXXX. Cashapp denied that dispute. 
I then went to target who said the transaction does not exist in their records and stated that cashapp never once contacted them to confirm that!!!! Everytime I call now to get an explanation I get hung up on. 3 people have just completely hung up on me because they dont have answers to my simple question. I will never stop posting everywhere and anywhere possible to try to get the word out to people that cashapp Will completely rob you and there is absolutely nothing you can do about it after the fact. Please, if you have kids or a life choose somewhere else.
Consumer complaint received 2019-02-01
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCash Holding LLC (GA)

The Creditor listed is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, MO XXXX Re : Ameri-cash loans Debt Stated {$380.00} Tried on multiple occasions to contact collections agency by phone ( XXXX ) XXXX based on number outlined on credit report. The system states it is unable to verify with last four digits of my SSN, and does not connect to a person ever. 

I have also disputed with Credit unions, but no verification of debt was provided to me. They simply returned a finding of valid debt to my credit report.
Consumer complaint received 2019-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: The CMI Group, Inc. (TX)

Credit management reported XX/XX/2019 this is in dispute I received your alleged statment onXX/XX/XXXX by us mail. where I disputed this on the same day I received it You then reported to the CRA 's on the XX/XX/2019 before that I NEVER received any documents from you. enclosed is a affidavit of fact I request that you respond to the Questions. you are in violation of FDCPA, And FCRA regulations. Olease not section 73 American Jurisprudence { Am Jur } 2nd <sect 93 States You have no right to report to credit reporting companies and no right to claim I owe you any alleged money on a alleged account that my name nor your exist on .I do not give you the right to report to CRA 's this is considered Fraud on your behalf. I take threat 's very serious so stop the threats
Consumer complaint received 2022-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

So I reached out to all three credit bureaus requesting that they send me information that verifies the bankruptcy. I also submitted a letter from the courts stating that they do not verify bankruptcies to anyone or any companies. Credit bureaus refuse to remove the public record information for my credit report