davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Account Management Resources (OK)

XXXX XXXX XXXX was paid for laboratory services and added an additional rider to the insurance claim sent to XXXX XXXX. The additional rider was denied and I submitted an appeal to my insurance ( XXXX XXXX ) and a secondary appeal to the XXXX XXXX XXXX XXXX back in XX/XX/XXXX. I submitted the appeals based on the EOB 's received from my insurance denials. I never received a single bill from XXXX XXXX XXXX and I personally verified they had my correct contact information. I even have email correspondence with a XXXX XXXX with her providing an explanation of the insurance rider code to assist with my appeals on XX/XX/XXXX. The rider is a fee attached for professional review of laboratory results that the Dr claiming the fees never personally sees. All labs were taken at XXXX XXXX XXXX and ran on site and returned within minutes. XXXX XXXX XXXX is essentially extorting money from patients outside of what insurance already pays. While awaiting appeal results my " debt '' was sent to Account Management Resources as a collection with a date of XXXX XX/XX/XXXX under two accounts in which I only noticed due to a change in my credit score in XX/XX/XXXX. One totaling {$2800.00} and the other {$400.00}. I have never received a bill from either company for these amounts and I have proof that I've paid the only bill I received from XXXXXXXX XXXX XXXX in the amount of {$67.00} back in XX/XX/XXXX. These debts have never been validated and I was not given the chance to fully dispute the charges or make payment arrangements prior to the debt being sent to collects and to my credit score.
Consumer complaint received 2020-05-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

Paypal has stolen my money and has held it for more than 180 days. Hiding behind their closed phone lines and the hiding behind Covid-19 as a reason to not answer the phone. Almost every other company in America is answering the phone, and have employees working from home, but not Paypal.

Paypal 's website says that i can not use paypal services anymore. I want to withdraw my funds. I have had {$470.00} held for more than 180 days. I read the entire user agreement and there is no reason Paypal should hold funds in my available balance of my account any longer. All items have been shipped out on time to buyers and any refunds have been processed months ago. Paypal removed my ability to message them and their phone lines have been closed for about 2 months. I have invoices showing that all product were obtained from valid suppliers. I have sent Paypal an email with no response.
Consumer complaint received 2018-10-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (MD)

I had a business account open with PNC bank. An insurance company that I had cancelled almost a month prior took out a large unauthorized payment. Other payments came out as well but there wasn ; : t enough money in the account to cover them. I went into the bank and explained what was going on. I also asked the banker why didn ; : t they pull from my other 2 accounts connected to the overdrawn account there was enough money in those accounts to cover the other payments. I was told the account wasn't setup like that so they couldn't do it. At that time I asked that a hold be placed on the account because I was getting additional bank fees daily it wasn't done. On XX/XX/2018 {$780.00} was removed from one of the other accounts to cover bank fees of the overdrafted account ( I was told they couldn't do that ). I called into customer service and was told i had to go to a branch. I went to a branch and there saying theres nothing they can do. PNC paid none of the merchants that attempted to debit my account but what they did do was run up an outrageous overdraft bill and then broke their own rules to pay them selves thats theft. I didn't give them permission to take that money.
Consumer complaint received 2024-03-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

According to the Fair Credit Reporting Act, you are required by federal law to ensure that all details being reported on an account must be 100 % accurate and verifiable and have my full consent to report. Based 15 USC 6802 I was not given proper information on how to opt out per section 1 ( b ) and ( c ). Therefore, I have already contacted the companies to opt out of any current, prior or future reporting. I am now informing your Company that any unauthorized continued reporting will result in legal action. As the accounts which are listed in this letter are my personal information and you DO NOT HAVE MY PERMISSION to report any of it. Furthering reporting by your unaffiliated third party company will be a violation and cause a civil and criminal suit. Please remove the items listed in this letter effective immediately. The only verified proof that will be accepted in this process will be proof of the proper notifications through a verifiable source of my rights to opt-out of reporting and instructions on how to do so, with a record of receipt showing it XXXX was mailed, delivered and received. These are hereby my formal written instructions on what is acceptable as proof and actions to take. No other validation will be accepted. Since your company has taken upon itself to act as my entrusted fiduciary. I have provided you with the instructions to act on my behalf as to what serves my best interest. Failure to do so will result in a federal suit to the fullest extent including compensation based on the FRA section 29. I Do Not consent to this private personal information to be reported. I am opting out of this account being reported prior, present or future. To continue to report after receiving this is in violation
Consumer complaint received 2023-01-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

on XX/XX/2022 my girlfriend and I were in the parking lot of a food truck when we were approached by XXXX people armed masked gunman. The XXXX had hoodies to cover their head and mask, this instantly made me fear for our lives. The XXXX approached the car and immediately told us not to move or say anything or they would shoot. After that they took all of our belongings ... our wallets. her purse. my backpack and our phones. at the time we were so afraid that we were completely unaware or why they were moving our phones around our faces but that was the furthest thing from our minds. we were just trying to make it home safely. I later discovered an unauthorized transaction on my account on the amount of XXXX $ USD. I contacted Chase Bank about the unauthorized transaction and they ask me to explain what happen. I explain the situation and they made the claim and told me they would have a decision on my case in a few days. A few days past I didnt receive a call or notification. I contacted chase again only to find out my case was denied. I asked for a reason and they told me because it was threw Face ID and they couldnt prove it. They asked me to prove it was unauthorized. I asked what could I do to prove the incident they asked me for supporting files to prove my case. I asked them would a police report helped, they said yes they dont deny police reports normally when are faxed in to them. So I faxed the police report. I also faxed an online police to make sure. I called back and let them know the documents where on the way, and was there anything else I could do to make this process faster or more convenient for us both. They replied no and said we will wait on the documents to reopen your case. So I wait another week call back and they still have received the documents.they told me it would only take XXXX hours. I wait and call back in XXXX more days and they still havent received them yet. I asked to speak to a manager an they pretty much tell me the documents want help. they dont know why they even told you to waste my time and send them we hand we. I call back the next day and the new representative tell me the documents will help. I repeat this process for weeks. So I go into the branch to send them and the branch had to send the documents 3 times before they received them. Only for Chase tell me XXXX  days later, after the holidays that my case was denied again and theres nothing I can do about it. I have talked to XXXX different managers and this has been going on over a months and a half. I been to the branch and call them XXXX plus times. I need yours help to resolve this case XXXX $ is a lot of money that I dont have to waste please help.
Consumer complaint received 2023-04-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (TX)

XXXX - every time I overdrafted my account on accident or had an auto pay bill come out that overdrew my account, Wells Fargo would charge the offending bill first, then other charges from the same 2 day span and charge me three to four overdraft fees in one go. They would only waive {$140.00} in overdraft fees per year, and I was easily getting {$500.00} or higher in overdrafts per year because of what they were doing. 

These days, they just return the transactions. But nothing was ever resolved from the unjust overdraft fees before. Im a low income, XXXX XXXX single parent with a XXXX XXXX  child. I cant afford the overdraft fees and am still reeling from them. Account is now closed but theyve done it to my current account once or twice too.
Consumer complaint received 2020-12-08
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: Grant Mercantile Agency (CA)

Currently, I am making formal complaint this credit union because they close checking account in XX/XX/2020 for no reason. I was with this credit union for 2 years and never had these problems.This was despite depositing XXXX dollars into my account. I left my savings account open. In addition, they put me in collections on XX/XX/2020 for XXXX for no reason. 
They didn't sending me anything explaining why they close my account or why they put me in collection s.I would like this credit union to stop trying to ruin my credit overall.
Consumer complaint received 2020-11-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (FL)

Almost daily contact with mortgage representatives at Rocket Mortgage, a XXXX XXXX, XXXX XXXX, most recently XXXX XXXX, a XXXX XXXX, XXXX XXXX, and a XXXX XXXX. Ongoing process to attempt to close on my mortgage and empty promises on their end to follow through. Phone calls and e-mails are not returned or bizarre excuses such as not having the correct contact information for my HOA are given. I gave the information several times, however, the controller for the property management company for my HOA stated he never received any contact. They knew the information full well but were feigning ignorance. Finally, yesterday, XX/XX/20, I asked my controller to contact Rocket mortgage. He did, so they no longer had that excuse to hide behind for several weeks. However, this time, XXXX went out on emergency, but I was not to worry they have me covered, whatever that means, which I interpret as another excuse to drag this on interminably. This application has gone on nearly 4 months and is unacceptable. Always one excuse after another.
Consumer complaint received 2021-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (MD)

I enrolled in Amazon 's offer to receive a {$150.00} credit if I got a Chase Freedom card. 
After using most, if not all the {$150.00} free purchase I tried to create an online Chase account but found it was beyond my ability due to numerous error messages, locked screens, etc., so I initiated a series of messages to both Amazon and Chase in XXXX to determine how to pay my bill. 
Failing to resolve this problem I canceled my Chase Card and returned most of what was returnable to Amazon. 
My wife called Chase to get a closing balance and was told " Your account is closed with {$0.00} balance '' but today we received a bill for {$110.00} including a late fee of {$28.00}. 
I was on the phone with Chase today and after being redirected ( spoke to XXXX, XXXX, and finally to another person before I was disconnected ). Of course, that was the final straw that prompted this complaint. 
I am XXXX and my wife of XXXX years is XXXX, I've had triple XXXX XXXX XXXX and a XXXX, not looking for pity but am trying to avoid another XXXX XXXX. 
We're not " deadbeats '' and have a credit rating of XXXX according to XXXX XXXX
Consumer complaint received 2021-04-06
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)

I like to file a dispute for unidentified fraudulent items on my credit report for the following : XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX I have filed an Identity Theft Report with the FTC. The report number XXXX and I have attached a copy of the ID Theft Report with this complaint. Please review.
Consumer complaint received 2023-01-11
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: Experian Information Solutions Inc. (NV)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes this erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Opened : XX/XX/2015 Balance : {$0.00}
Consumer complaint received 2021-04-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (NC)

I've had an Amazon Prime CC through JPMorgan Chase Bank, N. A. for years. 

Chase emailed me an offer to open a checking and savings account with a {$500.00} dollar incentive so I thought I'd try them out. 

I open both accounts online through my online access with the CC  I had with them. 

I was told that in order to install their Mobile App I had to have either a debit or ATM card so I ordered an ATM card. 

ATM card arrived in the mail with no PIN and no instructions to active. 

I went online and chose a PIN. 

I transferred funds from my XXXX XXXX XXXX online savings account to avoid any fees. 

I received notice that the transfer was successful from XXXX XXXX XXXX. 

When with the Chase User ID and my account is locked out for suspicous activity. And I've called, and and I've visited their branch and they have no way to make an appointment without me logging in online. 

XXXX XXXX they had 2 bankers and 20 minutes later they said they have no appoints available today but I could drive to another city to prove who I am. 

Talk online and they are unable to send me a text to verify who I am and can not make me an appointment to visit a branch either. 

At this point I consider my XXXX stolen and will have to file a police report document the XXXX dollars and the facts and they will deal with it.
Consumer complaint received 2023-01-11
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: EQUIFAX, INC. (FL)

Equifax violated the credit reporting regulations set by the fair credit reporting act by misplacing and distorting my entire credit report data. Multiple agencies can not access or receive wrongful information when trying to pull my equifax report. I am affected at a personal and at a financial level because of the innacuracies that may be present in my problematic credit report with this particular agency ( equifax ). Third party companies misrepresent a fair score and do not update accordingly due to equifaxs negligence. 

I have filed a complaint with equifax and forwarded all required information to verify who I am and so that they XXXX resolve my concern but this has not resulted in a constructive resolution and they still misuse and misconstrue my credit report accounts and all of its data combined.
Consumer complaint received 2021-04-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Bank of America closed my account yesterday morning without any written or verbal notice to me, they refuse to give me my money they wont tell me how long it will take to close my account they refuse to tell me why my account is being closed and they refuse to give me my money I have XXXX $ in my bank and they wont let me pick it up at all. Its a worldwide pandemic and I need to be able to pay my rent and feed my family.
Consumer complaint received 2024-03-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (NY)

I noticed on XX/XX/2024 that my Citibank checking and savings accounts were inexplicably and suddenly closed by the bank, causing some recurring ACH transfers to fail. I logged in to my Citi account online and saw that there was a letter addressed to me on XX/XX/XXXX stating that my account was due to be closed, and the " decision was made following the results of a review of bank information and records. '' There is otherwise no substantial reason given for the closure. I immediately tried to call the customer support number on my debit card but I was unable to get through to a human agent. I then went to my local Citibank branch office, but the staff there expressed puzzlement about what happened and were unable to help me or give me any explanations for the decision. I then called Citi 's Executive Response Unit and talked to an agent, they claimed that the decision was made by the Know Your Customer department at Citi and gave me a number to call. I called the provided number and got through to a second agent, who then told me that they were not responsible for the decision and claimed it is the branch office that conducted the account closure. But I have already been to the branch office, and they had no idea what happened! 

This is a nightmare. I am locked out of access to XXXX of dollars that I need to pay my bills, and I am not given any information on when I should expect to be paid back my balance amount from Citi. No one at Citi seems to take responsibility or can give me a reasonable explanation for why this is happening and what recourse options I have. I have been banking with Citi for almost XXXX  years and it is absolutely unacceptable that this is how they treat their most loyal customers.
Consumer complaint received 2024-03-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MO)

Someone I know accidentally sent me {$62.00} meant for someone else today ( XX/XX/24, transaction # XXXX ) and I have been trying to reverse the payment. My venmo account has been negative {$130.00} because they pushed through a payment without debiting my bank account first. I did not have enough funds, but the payment still went through. Since the {$62.00} was not meant for me, I have been trying to reverse the payment so my friend can pay the right person. I do not have the funds to send, I am broke. Venmo said I just need to send her the money back, but I physically can not do that, I have literally {$4.00} to my name right now. Venmo stole {$62.00} from my friend and is holding it hostage, after pushing through a charge on my account that should have never been approved. I haven't been able to pay Venmo back due to other bills that are of a higher priority, like rent and utilities. Venmo will not work with me.
Consumer complaint received 2021-09-21
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CITIBANK, N.A. (NC)

repeated calls from XXXX saying there was a complaint filed against me and threatened to visit my home or business with a reference number XXXX and office phone of XXXX, on XX/XX/2021, I called back and some woman named XXXX answered and refused to give business name saying I had a credit debt with Citibank ( a company I have multiple cards with and have never been late on ) then repeated to tell me my name and ss number, I asked them to send paperwork stating this and they said they didn't send paperwork and told them not to call again... .After an argument about how they were a fraud and I would be reporting them, they said XXXX county Sherrif department would be visiting me soon and hung up... I called back multiple times and hid my number to gain the company name but they accused me of phishing when I asked for business information or any other information ....