davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-26
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PulteGroup, Inc. (KY)

Pulte Mortgage : XXXX XXXX from Pulte was sent documents via a " secure email '' and uploaded online to their secure mortgage server but she stated she must have misplaced the documents. The documents contained PII such as DOB, SSN, banking information, address, and other information of me and my partner XXXX XXXX. Information was uploaded onto the secure website portal but she still stated she did not receive documents. Additionally, XXXX XXXX told me over the phone that {$610.00} would be taken out of my checking account after final approval but that she would call me before it was taken out of my account. The amount was taken out prior to final approval. I called XXXX 's phone and received her voicemail. An email was sent to which both XXXX and XXXX were out of office. Company has not apologized or offered me reassurance about my documents just that my loan was in underwriting. I told the manager to withdraw my application from the company. In addition, I had to cancel my contract with the builders of Pulte because I do not feel confident that they can maintain the security and privacy of my information. {$3000.00} good faith deposit to the construction company was not refunded from today 's date ( XX/XX/2019 ) and the money for closing costs in the amount of {$610.00} has not been refunded. I would like my refund amount and for the credit inquiry to be taken off both of my and my partners credit reports. I have all emails and application information stating she has lost our documents. 

Pulte : Pulte 's construction field manager XXXX XXXX has been incredibly unprofessional. His office hours are from XXXX to XXXX and he refused to meet with us for our new construction meetings during that time. He only would meet with us from XXXX. We live over an hour away and are new to our jobs so we have to leave 2 hours early to make it by XXXX. XXXX has stated that " I have 25 other homes besides yours I am taking care of that need my attention. In addition I have a family so I can not accommodate working past XXXX. '' I told XXXX we hired your company 's services and I don't understand why we can't meet at XXXX if it is still within your workings schedule. He refuses to accommodate us despite the potential we lose our jobs if we continue to leave work early for meetings. This has been relayed. We had to give {$3000.00} as a good faith deposit. They will not refund us this amount because we are unable to maintain the contract if they are not able to meet with us and accommodate a little with our work schedule. I have all emails about him not willing to accommodate us. People in attendance of the meeting was XXXX XXXX, Pulte sales consultant, and our realtors XXXX XXXX and her husband XXXX XXXX. 

I have more files to upload than this but they will not upload - please contact me for the rest of the files.
Consumer complaint received 2021-03-31
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 (IL)

XX/XX/2021 PayPal decided to permanently limit my account I had this account since I can remember You can no longer do business with PayPal ( Ref ID - XXXX ) I also have a credit card with them that I can't no longer redeem the cash back since they closed my account. 
On Tuesday XX/XX/2021 i contacted PayPal to only tell me there's nothing it's can be done.
Consumer complaint received 2015-11-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (PA)

I submitted a clients packet twice, the third party authorization was sent over three times via the fax number ( s ) provided by the customer service representatives. The last customer service representative XXXX, informed me to resend all of the documents to ANOTHER fax number. The number XXXX gave me was a completely different number the number the other XXXX XXXX XXXX gave me. XXXX was asked several times if I could speak to the XXXX, or given the managers phone number or email XXXX refused. XXXX finally said this is n't the " place '' you emailed those documents to, let me transfer you. '' I was then transferred back to the Receptionist who transferred me to XXXX who informed me his manager XXXX XXXX was not available. I explained to XXXX that I had forwarded the RMA to them three times. A clients personal information was sent via FAX three times and was transmitted to someone, and I was not going to send that CONFIDENTIAL INFORMATION again until I spoke with a supervisor. I then asked why are the CSR 's NOT giving out the same fax number? He said he does not know, he then placed me on a brief XXXX minute hold and told me to MAIL a complaint to Nation star Mtg. LLC and rattled off their physical mailing address. I then asked XXXX XXXX # XXXX to transfer me to the Loss Mitigation Department, he then informed me, '' Although you faxed a loss mitigation packet over as well as a third party authorization, you FAXED IT TOGETHER and the loss mitigation department will NOT acknowledge it/ upload the third party authorization because it was not suppose to be sent to them. '' XXXX was asked to repeat him self. He did just that ... I was instructed to resend both do then asked XXXX to see if some one in loss mitigation was available, ( this call began at XXXX XXXX, as I type I am still on hold, it is XXXX XXXX. ) I was then transferred to a XXXX rep, who gave me another number to fax the third party authorization. Told me she could not help me any further and hung up on me. I then called the client and she was informed by the lender Rep XXXX XXXX that she had not received a submission/RMA from XXXX XXXX XXXX XXXX PA and to resubmit another packet. Attached is proof of transmittal as well as proof of another RMA submitted.
Consumer complaint received 2019-08-26
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (IL)

I purchased something with my for {$340.00} from XXXX XXXX XXXX with credit card AARP Chase ending in XXXX and never received the merchandise. I filed a dispute and was told by the merchant they if issue a refund only if I removed the dispute. I removed the dispute and the merchant now will not issue a refund. I have tried to reopen the dispute with Chase Bank and they are stalling. I have sent them all the documentation between me and the merchant showing the merchant promised a refund and asking me to cancel the dispute which I did.
Consumer complaint received 2022-09-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One Bank ( U.S.A. ) N.A you broke the law according to the FDIC. 
This notice of mine has been written XX/XX/2022, and is being submitted as dated XX/XX/2022. 

Capital One Bank ( U.S.A. ) N.A agreement violates my consumer rights and I refuse to liable to perform and the demanding the reflecting balance on the account the same be credited to the account, failing to comply will be a breach of fiduciary duty. Capital One Bank ( U.S.A. ) Bank N.A must perform on it's obligation and " promised '' offer according to the FDIC ( See attachments in accordance of the Rule ).
Consumer complaint received 2018-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2018, I contacted Wells Fargo to ask if my ARP on my credit card could be lowered. The first customer service representative stated, " We can not lower your APR because it's against the law. We must charge you what the APR was on your original application. '' My APR is listed as variable.

I called Wells Fargo back the same day and spoke with a different customer service representative and asked what law will not allow my APR to be lowered. He stated, " The government. '' Is Wells Fargo prohibited by law from lowering a consumer 's variable APR in California? 

Thanks.
Consumer complaint received 2022-08-07
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. (NY)

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

In accordance with the Fair Credit Reporting act XXXX 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 an account without my written instructions.
Consumer complaint received 2018-04-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (NY)

On the morning of XX/XX/XXXX I went shopping at a XXXX XXXX on XXXX and XXXX XXXX and XXXX XXXX XXXX, later that day Between XXXX I stopped at chase on XXXX XXXX XXXX to take out XXXX for my rent I got on the train after I got off on XXXX XXXX XXXX XXXX walked to XXXX to my mother house and at XXXX I received a chase text alert I replied no once I seen the message and immediately called chase bank to dispute the charges. At the advice of my sister After Work I went to the precinct by my house on XXXX they told they couldnt take my report because it didnt happen in that area, they referred me to another precinct who also sent me to a different precinct. I got in touch with the district attorney office and they referred me to the correct precinct where I filed a report. The detective a signed to the case wasnt any help and even told me a case like this is like baby sitting to him. The last I spoke with chase they said that during the times the money was being taken out I was also shopping in stores which is not true because I was at my moms house I told them the only stores I went into was XXXX XXXX   XXXX XXXX. I have spoken with 4 chase representatives and they have stated that the daily limit to withdraw at a atm machine is between 8-1000. I myself had to go to a teller to take my rent money out which was XXXX, so how can XXXX come out of a atm machine in such a bad area of XXXX? And why would chase only send me a text alert asking about 20 dollars when all together it was XXXX.
Consumer complaint received 2019-08-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (VA)

3 times in the last 6 months they are processing my regular payment as a principal payment. Then, my next bill will show that I owe twice as much and that it's overdue and clearly show my principal payment that I made just several days before my due date. Each time they have to reverse my principal payment and turn it into a regular payment. And then send a note again to their billing sang that all my payments go towards regular payments. This is now happened multiple times they can't seem to get it right
Consumer complaint received 2020-12-03
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc ()

Issue Paypal withholding refund by seller asked for this to be loaded like prior refunds over 10 years using this service issue 1 not resolved and asked for private details out of line with consumer rights to sign up issue 2 asked for bank details and that is already submitted to them - further notice for them to release money - granted to them this is criminal outlined in theft of money refunds or transfers to consumers - buyers issue 3 seller has notified the refund was supplied over within two months ago issue 4 all calls and emails are returned in failed sending to the company issue 5 all prior refunds hit the bank eg {$41.00} but over {$200.00} they are asking for transfer and or ID online - Federal governments are in compliance and this PAYPAL maybe subjected to fraudulent ongoing activities ... 
CUSTOMERS - BUYERS and perhaps sellers - BE careful I will be finding other services to get to the bottom of this theft of my hard earned money!
Consumer complaint received 2021-03-31
Product: Credit card or prepaid 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: SYNCHRONY FINANCIAL (KS)

Synchrony Bank XXXX XXXX did not resolve my complaint with a Service Quality issue. The card credited my account when I disputed the charge of {$230.00} by the XXXX XXXX for shoe inserts that were incorrectly made, so I could not use them. 
A month later Synchrony charged my card again for {$230.00} for the XXXX ( shoe inserts ). 
Synchrony Bank XXXX XXXX did not address the issue that the XXXX  XXXX XXXX employee provided incorrect information to the company that made the inserts, so that they did not fit my shoe. I refused to let them try again. I wanted my money back for the shoddy goods. The credit card company is supporting the merchant and forcing me to pay for shoddy goods. 

Below is a copy of the form I filled out for Synchrony Bank explaining why I should be refunded for the {$230.00} charge placed on my credit card for goods I could not use : XXXX XXXX XXXX XXXX Attachment : Service or Merchandise Quality Issue or Misrepresentation Questionnaire Date I went to pick up shoe inserts/ XXXX from XXXX XXXX XXXX : XXXX Method of Contact : In person Response : I went to XXXX XXXX XXXX to pick up the inserts that were custom made by a company from data/information provided by XXXX XXXX XXXX staff. 
The person who took measurements ( stated I had a size XXXX shoe, whereas my size is XXXX ) and she imaged my feet, so that one was in front of the other. Because the data she provided was incorrect, the inserts were useless. They would not fit my shoe properly. 
The same staff members who did not know how to gather data correctly wanted to do the process over again. I said, if they did not know how to get the information correct the first time, there was no use trying again. I wanted my money back. 
They refused and sent me a form after my visit on XXXX ( of which I had no copy ) stating that I had until XXXX XXXX on the day measurements were made and imaging was done ( XXXX ) to change my mind. 
I did not change my mind about getting the inserts. I refused to accept incorrectly made inserts.
Consumer complaint received 2019-08-26
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (OH)

I was incorrectly charged a late and interest fee from Syncrony Bank. After one complaint, they removed the late fee. Then in interest fee showed up on my online account. So I chatted with an online customer service rep and they said, interest fees can not be removed. So I called their customer service, and service rep said, interest fees can not be removed. Luckily I knew I could ask to speak to a manager, so I did. I spoke to a manager,  they said interest fees could not be removed. So I spoke louder with a deeper voice and the manager said he would see what he could do. The interest fees where finally removed. I asked to speak with another manager about this policy of lying to their customers. She said that the customer service reps in fact do not have the authority to remove interest fees. But the customer service rep did not say that he could not remove the fee, just that it could not be removed. Luckily I know to fight back but Im guessing most people do not know that they have to argue and get upset for the company to do the right thing. My fee was a very small amount and it took me nearly an hour to sort out. Im guessing they would put up a much longer fight over a larger fee. Its wrong for them to lie to me three times saying, the interest fee can not be removed, when in fact it was.
Consumer complaint received 2019-08-26
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: EQUIFAX, INC. (VA)

XXXX XXXX is reporting inaccurate information that as a result has not been updated as it needs to be and is affecting my Equifax and XXXX Credit Reports as it pertains to the following information and fraudulently accounts : 1. XXXX XXXX XXXX {$22000.00} 2. XXXX XXXX XXXX XXXX ( XXXX ) {$5000.00} 3. XXXX XXXX XXXX XXXX ( XXXX   ) {$86.00} 4. XXXX XXXX XXXX XXXX ( XXXX ) {$1500.00} 5. XXXX XXXX XXXX XXXX {$5000.00} 6. XXXX XXXX XXXX XXXX {$5.00}, XXXX 7. XXXX XXXX XXXX {$2600.00} 8. XXXX XXXX XXXX, XXXX {$730.00} 9. XXXX XXXX {$3200.00} 10. XXXX XXXX {$1500.00} 11. XXXX XXXX {$1300.00} 12. XXXX XXXX {$330.00} I have letters for majority of the items listed that state this were not my accounts and that they were opened fraudulently in my name without my consent and knowledge in which to do so.
Consumer complaint received 2021-03-31
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. (CA)

There are 4 accts that are onn my credit report that are not mine I have been disputing these with the bureaus as well as the furnishers as to why it is still on my credit report I have no clue if I have not opened these unknow accounts. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account
Consumer complaint received 2022-09-21
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. (GA)

i am a natural person, i am a living human being. I have rights under 15 USC 1681. Equifax is Govern by the 15 USC 1681, and they violated my rights numerous of times. I demand the accounts listed below to be removed because according to 15 USC 1681 I have the right to privacy, and I did not give Equifax written permission to furnish these accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (MD)

According to section609 of the Fair Credit Reporting Act ALL information this is reported to credit reporting agencies should bee 100 % ACCURATE. 
An incomplete account number was reported. 
There are missing fields of data from XX/XX/XXXX-XX/XX/XXXX and XX/XX/XXXX-XX/XX/XXXX of the balance, scheduled payments, past due and remarks. 
Inaccurate date account was closed, the summary on credit report states XX/XX/XXXX and the remarks on the same credit report states XXXX XX/XX/XXXX. 
Late payments fees applied to the account after the account was closed. 

I sent my first letter to XXXX/WALMART disputing the inaccurate information stated above on XX/XX/XXXX via certified mail, WALMART signed that they received letter on XX/XX/XXXX. They violated federal and state laws by NOT responding in a timely manner ( 31 days ), not providing viable evidence bearing my signature.
Consumer complaint received 2019-08-26
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: JPMORGAN CHASE & CO. (MD)

Hello - I applied for a credit account with Amazon and was denied credit. I subscribe to XXXX credit reporting services,, so I was notified immediately that a hard inquiry had taken place by " Chase Card '' and that the company had pulled my credit report. Okay, so I understand that. This was on Friday, XX/XX/2019. I did not apply for credit following that. Imagine my surprise when I got another alert on Saturday afternoon, XX/XX/2019. The alert said that " JPMCB Card Services '' had pulled my credit report ( another hard inquiry ). I immediately looked up JPMCB and it said it was a Chase company. I looked up customer service so I could find out what was going on and was told that no one is available in credit reporting on the weekends - only Monday- Friday. I was understandably upset as I had not applied anywhere on Saturday. What if someone was attempting to obtain credit under my name, I asked? I was told that they still couldn't help me since it was the weekend. What kind of company in this day and age of security breaches does not have someone available on the weekends? If credit is able to be pulled on the weekends, someone should be available on the weekends to assist should there be an issue. I still have no resolution nor any indication of why my credit would be pulled when I did not ask for it to be, particularly when it was an additional hard inquiry and I do not have an account with Chase.
Consumer complaint received 2019-08-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: LDF Holdings, LLC (AZ)

XXXX XXXX at last withdrew money from my checking account. I had never applied for a loan with this company. When I called to ask how they had gotten my information, no one will give me any answers. They are now demanding interest on a loan I did not apply for. I have no information on the loan, no loan #, no anything. They just began taking money.
Consumer complaint received 2018-11-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC (LA)

I sent a letter to ACIMA CREDIT requesting that they " VALIDATE " a debt that they are attempting to collect from me. I specifically asked for a signed agreement not electronic signature and other documentation, ACIMA CREDIT provided me with billing statements which does not prove i am obligated to pay them anything. ACIMA CREDIT have reported delinquent information to the credit bureaus that i am asking to be deleted. The bill that was sent to me is not the same account thats being falsely reported to my credit nor does it have the right address.
Consumer complaint received 2021-07-09
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: Rocket Mortgage, LLC (OH)

Quicken Loans contacted me regarding a refinance. We recently ( 8 months ago ) did a refi. When they called initially I thought they were calling because we recently changed our insurance carrier. The Loan Officer did ask to verify my identity by confirming my last 4 and dob but not once did he advise or did I specifically authorize they pull me and my wifes credit.