davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO. (NY)

JPMCB XX/XX/XXXX I sent a Notice of Adequate Assurance of Due Performance, Personal Affidavit, Bank Affidavit. I received a bill and a templated response. 

XX/XX/XXXX I sent a Notice of Default and Opportunity to Cure. I received a templated response. 

XX/XX/XXXX I sent a notice of pending litigation. I received a bill and a templated response. 

XX/XX/XXXX I sent a Verification of Debt Letter. I received a bill and a templated response. 

XX/XX/XXXX I sent a Verification of Debt Letter. I received a bill and a templated response. 

XX/XX/XXXX I sent a Verification of Debt Letter. I received a bill and a templated response. 

XX/XX/XXXX I sent a Notice of Pending Litigation. I received a bill that was said to validate NOT VERIFY the debt. 

XX/XX/XXXX I sent a request for a Method of Verification. I received a bill and a templated response. 

The inaccuracies are as follows : JPMCB The reporting across all the agencies is inconsistent. 
The charge-off date has been reported month over month which has left an inaccurate Date of Last Activity. 
Payment history is inconsistent and inaccurate. 
Not verified debt.
Consumer complaint received 2019-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (CA)

Billing dispute of {$950.00} was opened for over charged purchase, conditional credit applied to account during investigation Investigation decided in my favor, letter dated XX/XX/XXXX stated {$950.00} conditional credit would be permanent. 
{$950.00} credit was not made permanent, it was reversed. 
Attempts to contact Citibank have gone unanswered. 
My statement is now due and I had to pay the disputed amount to avoid late payment fee. 
Credit my account {$950.00} as stated in the XX/XX/XXXX letter plus interest.
Consumer complaint received 2022-08-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Celsius US Holding LLC (CO)

I had stored cryptocurrency with Celsius Network. They are currently going through bankruptcy court and the findings ( XXXX XXXX XXXX  ) show a clear pattern of fraud and Ponzi / pyramid scheme actions. 
My issue is that I was supposed to have a custody account, where the assets were held like at a custodian, in my name or the name of my business. They were not held that way and were instead part of the general bucket of asset which got traded away. There is potential with the bankruptcy court of custody accounts getting some money back, but their support won't answer emails or calls to correct my account. It was marked as custody when signed up, and I had asked to move it to custody before they froze withdrawals and before they filed for bankruptcy. I just need my account properly set as a custody version.
Consumer complaint received 2022-03-04
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. (AZ)

I UPDATE MY CREDIT REPORT. THERE ARE SOME ACCOUNTS WHICH IS NEVER BELONG TO ME. THE INFORMATION IS NOT RELATED TO ANY TRANSACTIONS MADE BY ME. IT LOOKS LIKE SOMEONE HACKED MY PERSONAL INFORMATION. THESE ACCOUNTS ARE FROUD.
Consumer complaint received 2018-10-23
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. (FL)

XXXX XXXX XXXX is reporting an unpaid loan on my credit report. This particular loan is the sole responsibility of my ex-husband, XXXX XXXX XXXX. I have disputed this account several times, but XXXX XXXX XXXX refuses to take it off my credit report. I am attaching documentation that proves that this account is his sole responsibility.
Consumer complaint received 2023-03-29
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO. (SC)

My name is XXXX XXXX. I am an employee for XXXX XXXX in XXXX SC. A customer by the name of XXXX XXXX came into our facility to cash a Cashiers check from Chase Bank on XX/XX/XXXX. The Cashier 's Check came back to us from our bank with a stop payment on XX/XX/XXXX. We have reached out to several different departments in Chase bank to find out why a stop payment was issued and try and find a resolution but they refuse to help or even give me a phone number to someone that can help us. The Cashier 's Check was for {$1300.00}. I have spoke with Chase customer service at ( XXXX ) XXXX with no resolution on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I asked to be transferred to a manager on XX/XX/XXXX. The manager XXXX ( he did not give me a last name ) also said he could not help, would not give me a number to someone who could help, and said they did not have a corporate office number they could give me. I then contacted a branch close to our location in XXXX NC and spoke with XXXX on XX/XX/XXXX at ( XXXX ) XXXX and was told the same she couldn't help and when I asked for the Corporate office number she gave me the customer service number of ( XXXX ) XXXX. We shouldn't have to take a loss of {$1300.00} especially without any explanation as to why a stop payment was issued on a cashier 's check which we thought funds were supposed to be guaranteed.
Consumer complaint received 2020-06-05
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (MI)

For the second time in five months, Synchrony Bank suddenly closed an account of mine. In the first situation, my account was paid in full and I had a zero balance. This time, my account was not even close to the credit limit. I have never missed a payment and have been a customer for years. The company is completely crooked and seems to be doing this to a lot of their customers. The company is using the COVID-19 pandemic in order to clear out customers. It is not right. I have done nothing wrong, and do not deserve to lose available credit. In addition, the credit score they pulled has changed as I had a mistake on it that was recently fixed.
Consumer complaint received 2024-03-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc (TX)

DATE : XX/XX/2024 SUBJECT : *URGENT COMPLAINT* Unethical Account Restriction by XXXX , Inc . 

REF. ID : XXXX To Authorized Rep, I am writing to file an urgent complaint against XXXX, XXXX regarding XXXX XXXX XXXX placed on my account. On Saturday, XX/XX/2024, at approximately XXXX p.m., after sending a payment to a family member for a bill they needed to pay, my account was notified via XXXX that there was an account restriction and that I needed to provide documentation to lift the restriction. 

I immediately provided the requested documentation, which was a photo ID, and also confirmed the code received on the card linked to the account. I did all of this within XXXX minutes of receiving the notice. Despite my prompt and thorough compliance, I received confirmation that my claim was under review, but then it was immediately auto-decided to have the account permanently closed. This all happened within a span of XXXX minutes, and I am extremely frustrated because there is no way for me to contact XXXX support due to this restriction. 

What's particularly troubling is that XXXX did not give me an option to appeal their decision. Instead, they immediately declined to conduct a submission review. Furthermore, I have learned that XXXX has a history of similar actions, as other customers and users have reported similar experiences in the past. Many of them had to resort to filing complaints with the XXXX XXXX XXXX, Consumer Financial Protection Bureau, and other agencies in order to have their account restrictions lifted. 

I am disputing this decision, and I am demanding that XXXX reopen my account immediately. Failure to do so will result in me escalating this matter and pressing charges for the unethical closure of my account. 

I urge the relevant authorities to investigate XXXX 's unethical behavior swiftly. I request a detailed explanation from XXXX and a prompt resolution. Thank you for your attention. 

Regards,
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: 21ST MORTGAGE CORP. (TX)

The mortgage account with 21st Mortgage was PAID IN FULL on XX/XX/2022. XXXX and/or 21st Mortgage continue to report FRAUDULENT information. 21st Mortgage continues to report an open account with a $ XXXX balance and 90 days late. XXXX REFUSES to confirm the correct information. XXXX has gathered the current information and updated its records accordingly. PLEASE ENSURE THAT XXXX and 21ST MORTGAGE do the same!!! XXXX is behaving negligently in that they are not confirming correct updated information. A copy of the PAID IN FULL document received from 21st Mortgage has previously been provided.
Consumer complaint received 2019-01-30
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

XXXX XXXX XXXX  managed by Capital One offers 6 months same as cash. I found out recently that within the last 2 months of the 'Same as Cash ' promotion period, payment funds are applied to the Same as Cash balance, which will cause any regular balance to have interest charged. This has happened to my account on 2 separate occasions. I noticed the following notification on my billing statement : How payments are applied to your account : We apply the amount of your payment equal to the Minimum Payment Due at our discretion and generally to the Minimum Payment Due calculated on each credit plan. We apply any payment in excess of the Minimum Payment Due on your account to higher APR balances before lower APR balances. If you have a Same As Cash Credit Plan ( s ), we will automatically apply payments received during the final two complete billing cycles and up to the date of expiration first to the required Minimum Payment Due and next to the plan ( s ) that is expiring, in order of expiration ; at other times, we will treat your Same As Cash Credit Plan as having a 0 % APR for purposes of determining payment application. 

Based on the information above, technically, I need to have a XXXX  regular balance otherwise, any payments will be made to the Same as Cash, which will cause the Regular balance to have interest charged. 

For example : I make a purchase for {$600.00} and select 6-months same as cash. I decide to pay $ XXXX/month until it is paid off. Each month I pay any additional purchases balance, plus {$100.00} dollars. This works without issue until the 4th month of the 6-month Same as Cash, because payments will be applied to the remaining {$200.00} of the Same as Cash balance first. So if I have a Regular balance of {$500.00} and pay {$600.00} ( $ XXXX+ {$100.00} [ monthly same as cash ] ), {$200.00} will be applied to the Same as Cash balance, leaving the Regular balance of {$100.00} in which I am charged the regular APR rate. This in effect means that I don't have 6 months to pay off the remaining balance. 

With both occurrences, I spoke with Capital One and they reversed the interest charges, but many people may not have caught this and were charged interest.
Consumer complaint received 2019-01-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Prosper Marketplace, Inc. (NC)

I actually secured a personal loan with XXXX XXXX XXXX through XXXX XXXX, but am still getting emails from Prosper asking me to complete their process, and I never applied with them. I have repeatedly asked they quit all processes and emails as I never asked for a loan from them. Please have them stop pushing this loan on me.
Consumer complaint received 2022-08-16
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: Experian Information Solutions Inc. (VA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-03-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/24 my vehicle was declared a total loss by XXXX XXXX XXXX XXXX. The claims person informed me that she would pay the loan balance off and send me the remaining amount. I accepted her offer electronically. Two days later, I received a notification from them stating that a check had been mailed to Capital One who was the lien holder for my car note. I noticed that my claims contact had sent the wrong amount to Capital One so I called her to inform her. I would assume that someone would check her work since it is thousands of dollars but clearly this didnt happen! She placed a stop payment and reissued a check for the correct amount. She didnt inform anyone at Capital One like I suggested she do. She said the check for the incorrect amount wouldnt clear due to the stop payment. Weeks had gone by and I assumed all was well until I purchased a new vehicle and saw that the loan was shown as open and unpaid. I immediately called both XXXX XXXX and Capital One and neither responded. I asked my claims contact to call them and she refused. I asked her to send me proof of payment and she sent it to me by email. I called Capital One and spoke at length with someone about the situation who told me I was owed a refund and that my account was under review. Another two weeks have gone by and I have opened credit disputes with all 3 credit bureaus! Nobody has updated this account as paid off even after I have provided the endorsed check with Capital Ones bank account number to which it was deposited to. I have called Capital One many times and they keep telling me that it is still in review. This has gone on for almost two months now!
Consumer complaint received 2022-08-16
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. (TX)

I open this account with XXXX XXXX in XXXX everything was fine until i started making weekly payments putting my account ahead but the system trigger a late payment not for full amount but a XXXX dollars indicating it was mistake i submitted a dispute with XXXX XXXX and the bureaus now i have a mortgage application in limbo because of the so rent ate payment I had perfect credit before I started this loan and now I might not have home because of this selfish act on the companies part..i need help with this situation
Consumer complaint received 2022-08-16
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: EQUIFAX, INC. (TX)

I open this account with XXXX XXXX in XXXX everything was fine until i started making weekly payments putting my account ahead but the system trigger a late payment not for full amount but a XXXX dollars indicating it was mistake i submitted a dispute with XXXX XXXX and the bureaus now i have a mortgage application in limbo because of the so rent ate payment I had perfect credit before I started this loan and now I might not have home because of this selfish act on the companies part..i need help with this situation
Consumer complaint received 2019-01-30
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TFS FINANCIAL CORPORATION (FL)

I took out a HELOC with Third Federal in 2006. Along with the loan I received a brochure that states Lowest Rate Guaranteed For The Life Of The Line, you get either a rate adjustment or {$500.00} if they dont match it. It also states If you ever find a lower rate, a year from now, or even ten years from now, we will beat it, or give you {$500.00}. My HELOC is Prime - .51 %. Third Federal currently offers HELOCs at Prime - 1.01 %. I submitted a rate adjustment online and the response was I would have to apply for the loan. I talked to the local office in XXXX  FL and made the request and was told its only for when I first get the loan ( even though I pointed out it says for the LIFE of the loan and gave an example of guaranteeing it even 10 years later ). The brochure states To receive a competitive rate adjustment, either fax or deliver to your local Third Fedral branch or Customer Service department, a copy of the competitive product advertisement. Ive done both with no satisfaction.
Consumer complaint received 2022-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I open this account with XXXX XXXX in XXXX everything was fine until i started making weekly payments putting my account ahead but the system trigger a late payment not for full amount but a XXXX dollars indicating it was mistake i submitted a dispute with XXXX XXXX and the bureaus now i have a mortgage application in limbo because of the so rent ate payment I had perfect credit before I started this loan and now I might not have home because of this selfish act on the companies part..i need help with this situation
Consumer complaint received 2018-08-24
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. (GA)

As of XX/XX/XXXX, requested inquires to be removed from your files : To Whom It May Concern : This letter is a follow up to my original letter dated XX/XX/XXXX regarding inaccuracies in your credit reporting. Specifically as it relates to unauthorized and fraudulent credit inquiries made by over 30 companies. 

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX v. Trans Union Corp., No. XXXX ( XXXX  XX/XX/XXXX ), you may be liable for your willful non-compliance. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Consumer complaint received 2023-11-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (NE)

I sent my cousin XXXX XXXX ( $ XXXX ) {$50.00} thru cash app. XXXX who is XXXX had setup a new cash app account because her phone was broken, she didn't know how to retrieve the funds. She doesn't have the ability to comprehend how. I contacted cash app and explained it to them. They refused to refund my money. I was told that XXXX would have to call. I was on the line with XXXX trying to help her follow the instructions on getting the money. They told her that I couldn't be on the line. She called them back 3 times and could not get the money. She then told me to call back and speak for her and that she would be silent on the line. They started to help then for some reason, they said that they couldn't help or tell me why. As of today they still have not refunded my money nor did they give it to XXXX. This was a loan to XXXX 's she never paid me back because she never got the funds, nor did they refund me. This happened on XXXX XXXX. Today I sent my daughter {$82.00} she asked me for a few days ago, she declined it because she no longer needed it, yet cash app has not refunded my money.
Consumer complaint received 2022-04-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (IL)

It was through chime banking. 
XXXX payments to $ XXXX XXXX XXXX XX/XX/XXXX, XXXX pm for {$400.00} Second payment XX/XX/XXXX, XXXX am for {$200.00} Third payment XXXX XXXX for {$50.00} Fourth payment XX/XX/XXXX, XXXX pm for {$50.00} My chime tag is $ XXXX
Consumer complaint received 2021-08-19
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: FinCo Services Inc DBA Current (MN)

I file a dispute on XX/XX/XXXX and was informed that I was going to get a provisional credit for transfers that were pulled out of my account from current. And they send me emails about receiving dispute. Current even sent me email informing me that the dispute could ok say longer but a provisional credit will be return if they need more time. They told me that if the 10th day if they need more time. they will credit me. For a total of XXXX they sent me an email after I contact them about my provisional credit. Current closed my account. And I feel that they did that because they aren't following through with the dispute. I have emails and ticket conversation.im not happy with this scam through current.