davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MI)

On XXXX XX/XX/2021 I initiated an instant transfer in the amount of XXXX dollars using XXXX from my XXXX checking account to my Chase checking account. Moments later I received a message acknowledging receipt of the funds from Chase and shortly thereafter the funds were shown as available in my Chase mobile app. 

The funds were also shown as available the following day, XXXX XX/XX/2021. On Wednesday, XXXX XX/XX/2021 I went to check my Chase checking account via the mobile app and noticed that my checking account was no longer showing in the app. I assumed this was some sort of error with the app but contacted Chase 's customer service department to be sure.

They informed me that the account had been closed due to lack of activity and that this was effective XXXX XX/XX/2021. I asked how this was possible since I had only 2 days prior made a deposit to that account. What follows was a tremendous run around. By the end I had been assured by no less than two separate representatives that the funds were currently being returned to the sending account, and that they would be available no later than the close of business that day, XXXX XXXX. 

The close of business came and went with out the funds showing up. As a courtesy I waited an additional 24 hours to see if the funds would appear. That time also came and went. On the morning of XXXX XX/XX/2021 I again contacted there customer service department. Again I was giving a very lengthy explanation as to why this banking institution had unilaterally, and absent any due process or prior communication, decided to close my account thereby revoking access to the funds which I had entrusted with them as a deposit. However the representative also stated the funds were currently " en route '' to the sending account and would be available by close of business. 

Out of an abundance of caution I reached out to the customer service team at XXXX to see if they could verify that there was a pending transfer of funds. They informed me not only that there was no pending receipt of funds from Chase bank but also verified that the funds had been successfully sent to and received by Chase bank. This is in stark contrast to Chase previous claim that the transfer was rejected and would be sent back. As of today the XXXX dollars that was in my Chase account is still nowhere to be found. 

This Tuesday morning I will be filing suit with my local small claims court for the return of the funds.
Consumer complaint received 2017-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Diversified Consultants, Inc. (GA)

Hi I have called ans sent multiple inquiry removal letters and called to the companies listed and to XXXX XXXX. I had a fraud alert placed on my credit file that indicates anyone who runs my credit would need to call me and that was n't done and that violates my rights as a consumer .I have reached out to the credit bureau on more than one occasion to advise them of my credit being pulled without my permission. And nothing has been done XXXX XXXX XXXX  I XXXX XXXX XXXX # XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX DIVERSIFIED CONSULTANTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX Permissible Purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX Permissible Purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX XXXX XXXX XXXX XXXX Requested On : XXXX/XXXX/XXXX
Consumer complaint received 2017-06-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SUNTRUST BANKS, INC. (VA)

The lender has failed to respond to our QWR and Notice of error request sent on   X/XX/17  and  are proceeding to sale set fo r   XXXX   - the lender  is in violation of regulation  X-12 USC 2605 ( e ) ( 1 ) and the clients right  to counsel.
Consumer complaint received 2017-04-17
Product: Credit card — 
Issue: Billing disputes — 
Company: Bread Financial Holdings, Inc. (NY)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XXXX    XXXX   I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2024-03-04
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (IN)

On XX/XX/XXXX I was to purchase something from someone and they never sent the product im a XXXX XXXX XXXX XXXX XXXX that lost everything and this guy stole {$650.00} from me and cash app refused to help me get it back
Consumer complaint received 2024-05-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Zions Debt Holdings (MI)

I canceled XXXXXXXX XXXX XXXX because I sold the home. XXXX continued to charge me. I found out and contacted XXXX. The removed the charges. After some time I get a letter from a debt collector. I told them and the debt was resolved. Now a new company is requesting payment for a 3 year old account. I contacted XXXX  they declined to send records but said my final balance was XXXX. Zion Debt is requested XXXX. I received text messages stating just pay and they will leave me alone. Thats not fair.
Consumer complaint received 2021-09-03
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. (NC)

I keep calling and I cant get anyone to help me. Im unable to access anything online such as file disputes, manage fraud alerts and credit freezes. Every time I call they tell me I need to speak to a certain department and that they will contact me within 3 business days but no one will ever cal me back. Ive been getting the run around for two months.
Consumer complaint received 2017-06-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP (OH)

I received a letter several months ago from Linebarger Goggan Blair and Sampson stating they represent the state of New York Thru Way and that I have XXXX in unpaid tolls through the State of New York through the XXXX XXXX XXXX. I called and sent them a letter advising that I have never been through the state of New York and that those tolls could not possibly be mine. I requested by telephone twice and in writing evidence including dates and photos and they will not provide me with such. I advised them that I will not pay anything until they produce specific evidence as I have never been through the state of New York. The collector I speak with at this point invariably gets nasty. I have to assume this is a fraudulent attempt to collect a debt and perhaps someone is impersonating the law firm? They keep giving me the account number XXXX
Consumer complaint received 2024-02-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (CA)

On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. When I was XXXX  I assumed my cashapp card was with me. Well I served my punishment and was released on XX/XX/XXXX. I could not find my cashapp card so I got ahold of my user name and password. Logged in and found out I was XXXX. And my account was closed. I. Immediately called cash app and they sent me a list of fraudulent charges and fraudulent deposits. Including one particular cash out for {$9900.00} on XX/XX/XXXX. With the last fraud charge happening on XX/XX/XXXX. I got released XX/XX/XXXX that means I contacted cash app within two days of the last fraud transaction ( People also ask What is the regulation for debit card fraud? 
If you report debit card fraud after two business days, but less than 60 calendar days after receiving your account statement, you could be liable for up to {$500.00}. If you don't report the fraud within 60 calendar days of receiving your statement, you could be liable for any amount stolen from your account. ) that is from your site. I filed.a police report and FTC identity theft report. And cash app denied my claim and stuck me with a total of close to {$22000.00}. In fraud charges where by Federeal law I should only be liable for {$50.00}. I asked them to provide proof of why claim was denied and they nearly sent me a one liner saying that I cashed out {$9900.00} on XX/XX/XXXX but that was fraudulent to some fraud account???!!!! What do I do I tried to be honest about my jail event and now I think they are taking advantage of me.. I have included the XXXX  sheet they took until XX/XX/XXXX to get to me for my claim
Consumer complaint received 2017-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (VA)

Opened a credit card with American Express in XXXX while in college. Credit card account was cancelled in XXXX XXXX with a balance of {$3600.00}. I was making sporadic payments through the end of XXXX and XXXX. Due to new employment, I have been making aggressive payments since XXXX of XXXX to pay off debt on card. I made a payment of {$500.00} on XXXX/XXXX/XXXX, a payment of {$400.00} on XXXX/XXXX/XXXX, a payment of {$500.00} on XXXX/XXXX/XXXX, {$400.00} on XXXX/XXXX/XXXX, and {$500.00} on XXXX/XXXX/XXXX. I try to make a payment for XXXX of XXXX and the website tells me I can not pay through their website, and to call the number on the back of my cancelled credit card. I call the CC company and they inform me they no longer have the debt and that I can not make payment. After transferring me between three different departments and nine different representatives, they are unable to provide me any information on who I need to make a payment to and that they have no information on my account. Logging in through the credit card company, I can see the minimum payment due on XXXX XXXX XXXX {$170.00} ) in addition to recent payments and total balance still owed ( {$1200.00} ). Company will not allow me to make payments on my debt, which according to multiple representatives, is still being held by the CC  company.
Consumer complaint received 2017-04-18
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC. (AZ)

My husband and I are going through a financial hardship we were on the Hardest Hit Funds Program with Neighborhood Housing Services of  XXXX   ( NHS ) . We were approved on  XXXX   XXXX   XXXX  and made our fist payment to  XXXX  that same day. We were instructed by o ur counselor fr om  NHS t o begin sending our mortgage contribution payments to  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX  begging on  XXXX   XXXX ,  XXXX . I received a notice letter on  XXXX   XXXX ,  XXXX  from   XXXX   XXXX   my servicer at the time, that my loan had been transferred t o PennyMac  effective  XXXX   XXXX   XXXX . On  XXXX / XXXX / XXXX  I received a notice of default from  PennyMac in the am ount of {$5300.00} I immediately called them to question, the representative at that time said the State was late in sending in my contribution payments but the matter would be resolved at the end of our contract with Hardest Hit Funds. Our  two year term has  expired on  XXXX   XXXX ,  XXXX  and  PennyMac is st ill requesting payments for  XXXX ,  XXXX  and  XXXX   XXXX . My  counselor  and I have sent in proof of payments made from my account to  XXXX  and from the State to  PennyMac and it clearly shows that I am not in default of any missing payments. PennyMac has responded to me that they are accurate in stating that I owe those months and if there is any dispute it should be with the State Funding Program.  I have showed them clear evidence of payments and the underwriter in care of my account says there is nothing they can do for me at this point and I have make my account current in order to avoid foreclose. This is a matter of power over the defenseless people like ourselves that the banks take advantage of. My husband and I feel hopeless and it is very frustrating.
Consumer complaint received 2024-02-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (OH)

On XX/XX/2024 {$200.00} was stolen and put into bitcoin and I asked for a refund and they told me no there wasnt anything they could do and to do better with my money next time I called the cash app number several times on a recorded line and was disrespected and hung up on and no one would put a supervisor on the phone
Consumer complaint received 2024-02-24
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Block, Inc. (OR)

Cash App. I DID NOT OPEN AN ACCOUNT. This outfit signed me up for a card and account. I have complained and they will not close the account. They sent me a debit card today. I posted this with the XXXX XXXX that was evidently used to create this account. I could tell from the email trial that it was used. 

I have no idea who, but someone opened a Cash App account in my name. I discovered that, apparently the day it happened and wrote to XXXX and ash App about it. Today, several weeks after this, a debit card arrived. I immediately tried to call Cash App.no one answers their customer service phone number. I looked up a number and called that XXXX. I explained what had happened and he refused to close the account or freeze it. Then, he told me this sort of thing happens all the time! I recorded that call, so I can provide that to the FTC and FCC about XXXX featuring this App when they full well know an account in my name was fraudulently created. Who knows if someone did this as a joke or if some fraudster is racking up charges in my nameor you name. Shut this outfit down.
Consumer complaint received 2021-09-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (NJ)

I received an email stating i was guaranteed a loan with reasonable monthly payments with monthly installments up to 12 months I applied was told i was approved for the amount of {$1200.00} Gave them the info needed for the deposit and that monthly payments would be withdrawn On the XXXX of every month This was in XXXX I never received any paperwork of any kind In XXXX they withdrew {$590.00} from my account I was taken back by the amount withdrawn I called XXXX at XXXX XXXX And questioned them about the amount withrawn i said it seemed high and was rhat what they were going to charge me every month for a year? 
They said yes I adked what ratevof interest were rhey charging snswwer 450 % Unbelievable! 
Is that legal? 
They said if i wanted i can pay it off early and all i had to do was pay {$1700.00} I have paid them monthly but i am on social security I cant afford this I have paid the amount borrowed almost three times over already I believe what they are doing is illegal there should be a limit on interest i need you help I have called them again And received the same response
Consumer complaint received 2021-01-31
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: WELLS FARGO & COMPANY (VA)

Wells Fargo has an account charged off on my creit report showing that I owe {$440.00} updated to {$0.00}. As I lve stated before I did not open this account and I filed a police report. Wells Fargo and XXXX then sent me a document with a signature that is not mine! It is forged and fraudulent and I will not keep suffering from this Identity theft result! I need the company to show a video of me signing but upon me reading the verified letters the card was opened electronically. Ive never opened a card with this company EVER yet XXXX  is the only bureaus who would not take my police report serious If it was mine it would be paid!
Consumer complaint received 2017-08-31
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCB Management Services Inc. (NY)

This was a payday load with a very high-interest rate ( over 40 % ). My husband was in the XXXX and activated to full-time when I received this loan. I did not know about the laws concerning lending to military families. Furthermore, we qualified for XXXX so the rate should not have been more than 6 %. I called the company. the amount I had already paid back was over principal + 6 %. It was sent to collections and is on my credit report.
Consumer complaint received 2021-01-31
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Sent a factual dispute to bureau, they sent a letter back stating account was updated but was their was no updated information. My FCRA rights were violated because the data furnisher is to report all the same information to credit bureaus and there are inaccuracies across all three.
Consumer complaint received 2021-01-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (TX)

I had paid my homeowners insurance to avoid cancelation and a payment was issued to Loan Depot for a little over XXXX which was suppose to be applied to my escrow account and instead they applied it to principle. I've contacted them numorous times to have that applied to my escrow account in order to refund me. 

Instead they refunded me and shorted my escrow account yet refuse to properly post the initial payment to the escrow account instead of the principle balance.
Consumer complaint received 2021-02-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

XX/XX/2020 I talked to Bank of America about releasing the {$10000.00} check to me from my homeowners insurance company. They said they would get back with me. They didnt get back with me. About a month later, XX/XX/2020 I talked to them again and they said that they would accept 10 % of the current outstanding payment and recalculate the rest back into the loan and recalculate payment as they would any other time. They would take the 10 % from the {$10000.00} check and release the rest to me. I understand things have been slower with COVID, but Id really like to get this taken care of ASAP and I know that Bank of America would like to start receiving regular payments again.
Consumer complaint received 2021-09-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/XXXX I sent a letter to Equifax disputing an account that is falsley being reported on my account. The account in question is - XXXX XXXXXXXX XXXX - XXXX. I requested for physical proof of verification and did not receive a response. 

I then sent another letter to Equifax on XX/XX/XXXX requesting for this account to be deleted as XXXX  and XXXX  deleted the account based on the lack of ability to properly verify the reported information being accurate. I received no response from Equifax. 

So I then filed a complaint through CFPB on XX/XX/XXXX. I received a response on XX/XX/XXXX that the company would investigate. It is now XX/XX/XXXX, and I have not received a formal response from Equifax on this investigation. I looked onto my credit profile today and saw that the account in question is still on my report. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, I am requesting Equifax to now delete this account off of my profile, as they have failed to properly verify this account.
Consumer complaint received 2024-02-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc. (FL)

I am writing to express my profound dissatisfaction and frustration regarding the holding of my funds in my Square account. As of XX/XX/year> my square account got deactivated with a balance of {$140000.00} being withheld for a period of 90 days, its been 10 months already and my funds is still being held which is causing significant financial hardship and disruption to my business operations. 

Despite my persistent efforts to resolve this issue through square customer support channels, I have encountered nothing but delays and inadequate responses. The lack of transparency regarding the reasons for withholding my funds only adds to my frustration and XXXX. 

I demand immediate action to release the entirety of my funds without further delay. Furthermore, The impact of this hold on my business can not be overstated, and I urge you to prioritize this matter with the utmost urgency. 

I trust that you understand the gravity of this situation and will take prompt and decisive action to rectify it.
Consumer complaint received 2021-01-31
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible thank you for your time.