davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-02
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NY)

XX/XX/2024 called Amex several times and it directed me to automatic responses. No one could help. Just told me to try another merchant XX/XX/2024 tried to make purchases using the card so many times that it locked me out of my XXXX account. 
This is a card should be accepted and it is frustrating to not be able to get into contact with ANYONE. This is distressing. I am trying to buy a birthday gift for someone and need this card to purchase items for my wedding!!!!!
Consumer complaint received 2024-03-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC (TX)

A collection company forcefully put a collection on my credit report. I DO NOT OWE THE DEBT. I have never ever own any medical bills. They constantly taunt me with this force debt every year. I have sent a certified mail to the collection company to provide all the information of where, when and how this debt was owned. I never hear from them. Instead they always communicate with XXXX. At this point I think XXXX work hand in hand with collection companies to forcefully get money out from naive individuals and put FORCE information on people who strive to keep good credit reports.
Consumer complaint received 2023-10-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

On XX/XX/2023, I contacted coinbase about fraud committed on my account in order for possible recoupment. 

Coinbase will have a history of my transactions and the wallet addresses. 

Coinbase opened a ticket ( ticket # XXXX ). The online agent gave me information from a script after giving me transaction numbers, but did not offer solutions for recoupment from a fraudulent claim. I also submitted a online complaint with Coinbase. 

All monies were sent from XXXX address : XXXX Sent To addrsses : XXXX. XXXX XXXX. XXXX There are different time frames where crypto fraud took place ( network XXXX. 
XXXX. XX/XX/2023. {$19000.00} XXXX. XX/XX/2023. {$13000.00} XXXX. XX/XX/2023. {$2100.00} XXXX. XX/XX/2023. {$17000.00} Below are the confirmation transactions : XXXX. 
XXXX. 
XXXX. 
XXXX.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (OH)

Ive reached out to this company exercising my rights to opt out of sharing my personal information with third party companies such as XXXX, XXXX and XXXX, to no avail FCRA as a federally protected consumer I am opting out of any and all authorizations, of sharing my personal information with any third party entity ( 16 CFR 313.7 ) - 16 CFR 433.2-433.3 Requesting to opt out 15 USC 6802 ( b ).
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (MD)

This is regarding my HELOC loan at Rushmore Servicing of Nationstar Mortgage LLC. I requested a payoff quote amount on XX/XX/XXXX. The company received my payoff amount of {$5200.00} on XX/XX/XXXX which was wired by a third party XXXX XXXX, of which {$5100.00} towards principal payoff. I received a letter stating that the loan was officially paid off and the Autopay feature was turned off. I also received a payoff overage check of {$25.00} on XX/XX/XXXX. 

However, my account was not closed as of XX/XX/XXXX when I reported this complain. I received the XXXX statement for the amount due {$100.00}. I called the customer service on XX/XX/XXXX who said that I was missing a Payoff Authorization form, but I did not owe the company, actually there was a credit on my account. I immediately sent the Authorization form with a certified mail which indicated they received it on XX/XX/XXXX. I called again on XX/XX/XXXX to confirm if they have everything to close my account and release the lien. The customer service said that everything is good. I have their Research Reference : XXXX I received the company letter on XXXX with a new payoff quote and instructions how to send it. I called them again to to confirm what they want in order to close my account. I sent the new quote for the amount of {$54.00} in cashier 's check, along with my letter to request close my account and release the lien on XX/XX/XXXX by a certified mail. They received it on XX/XX/XXXX by USPS tracking. Also noted, the company actually sent me a check with the amount of {$50.00} dated on XXXX. This is so contradictory with the new payoff quote. 

Today, I found the XXXX statement dated XXXX with the amount of due {$1.00} under my account online. This company listed my account as Delinquent Account on my credit report as of XX/XX/XXXX. 

I have all documentations if you need to inveterate this complains. I want to close my loan account, release the lien at my county promptly and clear delinquent status from my credit report.
Consumer complaint received 2024-03-02
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO. (NY)

XX/XX/year>, XXXX XXXX deposit a check with {$30000.00} from XXXX bank into the business account. The money has been cleared on XXXX side, BUT Chase bank refused to cash the check and insisted the payer have to be verified the phone number on " their system ''. The phone number has been confirmed on public records with phone provider. Now the Chase bank ready to close my business account and keep that " forever '' until it can be verify on " their system ''
Consumer complaint received 2024-03-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Paypal Holdings, Inc ()

I SENSE FRAUDULENT ACTIVITY GOING ON IN PAYPAL I have been a PayPal user for more than 10 years, initially PayPal service was good, I was able to make about 2 purchases using PayPal. 

Because of my health challenge I wasn't active in business, and in PayPal for some few years. My PayPal account became inactive. 

So after my XXXX XXXX I decided to return back to business and wanted to continue using PayPal again. 

To my greatest surprise, PayPal restricted my account I couldn't view my account balance anymore, so I sent messages several times to PayPal to revalidate my account, and remove the restriction on my account to enable me make payment, all to no avail. 

They requested for my identification documents the first time and I sent it to service PayPal. 

PayPal ask me to pay verification fee so that my account t can be verified, PayPal charged me 3 times without verifying my account, and the charges were not refunded as promised in their agreement on their website. 


PayPal Customer service called me once to confirm my identity, yet PayPal refused to remove the limitation ban on my account. 

I forwarded to PayPal my proof of identity which is my : National Identity NO. 
National Identity Card My account statement Phone number My legal name my 2 Residencial addresses. 

Yet PayPal refused to allow me have access to my account. 

PayPal won't let me view my account balance, yet each time I want to make purchase PayPal tells me to go check my account balance first. 

I have the evidence and error message I received each time I want to make payment via my PayPal account. 

I was frustrated by PayPal, one day on my own I tried resubmitting my ID card and other documents, but I mistakenly submitted my old ID to PayPal without realizing it. 

Immediately after submitting it I received a message from PayPal that I will no longer use PayPal, because my information didn't tally, without informing me of the error or mistake I made while submitting my details. 

I remember vividly in one of their replies PayPal addressing me as XXXX XXXX instead of my legal name on my PayPal account, I am not XXXX XXXX, to me it's a costly mistake, yet I forgave PayPal. 

All evidence is in my PayPal message center till date. 

PayPal have permanently logged me out to prevent me from making use of my money. 

PayPal sent me an email telling me they will hold my balance till after 180days, that should any of my customers request for refund that they will pay my customers.

Am shocked at PayPal actoins, because PayPal knows I have not been able to access my account and view my balance for more than 3 years now.
Consumer complaint received 2024-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

On several occasions from XX/XX/XXXX to XX/XX/XXXX. XXXX XXXX XXXX. XXXX XXXX, TX XXXX. I have contacted USAA about my account XXXX Checking. I requested to have my wife removed from my account and tried to remove myself from her account. I explained that I am going through a divorce and my wife still has access to my account the only option they give is to close account which this would be difficult because I get my XXXX XXXX XXXX  and XXXX  pay. They will send an amendment signature card. I explained that my wife has refused to sign it. They can except a E-sign if you add a product but refuse to when you want to remove. This has caused my account to go into the negative and they send a letter that it can be sent as a charge off and my effect all other accounts. I told them the courts will not allow me to close accounts. I can remove a person. I had to put several stop payments and block everything on my account until I can figure out how to contact all the direct deposit which could take up to 60 days for the change. I have made the change with SS to this account. The company needs to change this. I add my daughter without a problem. USAA shouldnt wait until the account becomes overdrawn then say you have to pay this. They have been told about this situation many of times and no change. When you take off overdraft it takes XXXX business days to go into effect meantime as a card holder you can swipe all day long. This is causing me not to be able to make payments on other bills. I refuse to loss my money because a bank refuses to remove a person. Why this is so difficult for USAA to do so. I am the primary account holder this is my money not USAA. I feel like I am stuck because the bank refuses to resolve the problem. I also explained if there is any funds removed from my account without my authorization who will be responsible no answer. USAA should be responsible for all overdraft fees, reimbursement of funds. I also asked for any policys that they have to support this type of action nothing. This is not a communist country the bank needs to have something in place for situations like this. Divorce decree doesnt happen over night. Currently I have everything blocked to my account to prevent any further financial burdens I have to block and unblock my card each time I need to use it. I have told the representative if they can put the conversation on file if they did or didnt I wouldnt know. Just to close my accounts is a simple way for USAA not for the consumer. I should not be held accountable for others actions. They tell you thank you for your service but treat you like your from a communist country. This is sad if anyone else has experienced this with USAA. They know what the request was for.
Consumer complaint received 2024-03-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: The Moore Law Group (CA)

This debt has been disputed already from a previous debt collector which is through XXXX XXXX XXXX. I clearly told XXXX XXXX XXXX. That the debt isnt validated with my original signature. They just sent a bunch bill statements through XXXX. 
I went ahead and sent a letter to XXXX XXXX XXXX. That it is being disputed, and let them know that they werent authorized to pass this debt to anyone else since it was being disputed. 

XX/XX/XXXX The Moore Law Group LLC. company is trying to collect this debt. First they sent me a letter advising me that they are trying to collect a debt and that I have 30 days to respond. 
I then respond and request a debt validation letter, they send me a packet of papers with bill statements. Not actual proof that the debt is indeed mine. There is no signature of mine just my information which is my name, address, and an account number with an amount owed. 
XX/XX/XXXX I receive a intention to sue and incur court costs. 
THIS DEBT HAS BEEN DISPUTED. 
THEY HAVE NO REAL PROOF, or that I signed.
Consumer complaint received 2022-08-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX I notified my bank, Chase, that there was a fraudulent transaction executed via XXXX impacting my checking account. {$1800.00} was stolen out of my account via XXXX. The fraudster hacked into my my computer, into my account, created a payee, and immediately executed a zelle payment. I was notified by the Chase system after which I immediately called and notified Chase, as it still showed " pending '' on my online view. Chase said that they will investigate. Come to learn now that Chase has ruled against their customer ( me ) and has refused to protect me, and refused to credit the money back that was stolen. I pleaded with them that despite it technically showing it was done via my computer ( which must have been hacked into ) and from the normal location ... that I did not know the recipient ( payee ), never authorized the transaction, called immediately notifying ... and nothing in my history shows any transaction of this nature, this amount, nor payment to this payee ever ( thus was totally inconsistent with past payment behavior ) ... Chase refused to budge and still deny, support, protection and consideration for their customer. Thus refuse to credit back stolen funds.
Consumer complaint received 2024-03-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Experian Information Solutions Inc. (OH)

My complaint is with Experian. I just simply wanted to freeze/unfreeze my credit online. 

Basically, within their website, they duped me into opening a checking account while in the process of just checking and unfreezing my credit. I am a very computer savvy person and pay close attention, but somehow this account was made without my knowledge. 

A month later, after getting dozens of spam emails from them marketing their account services, etc. I go to their website to cancel this account that I did not want.

Of course, this process can not be done online ( but ironically opening the account was so simple I didn't even notice it ). They direct you to a phone number to complete the closure of the account.

Needless to say, an hour later, 8-9 different reps and at least 4 dropped calls they FINALLY got me to the person to close this account. Not only that, but this person was prompted to try to sell me some other service from Experian while this process was going on. 

This was about the most incompetent and shady dealing I have ever had with any company in my adult life, yet they are one of the " Big Three '' credit reporting agencies. It's almost unbelievable.

Not only that, but they would send dozens of emails a week about their " services '' and other nonsense that I had no interest in. XXXX and XXXX did nothing even remotely similar- And I froze and unfroze my credit with all 3. 

I am highly dissatisfied with my experience with Experian and think they should be embarrassed for their unbecoming and pushy behavior.
Consumer complaint received 2024-03-02
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Caramel Dealer Services, LLC (CO)

Recently I was made aware of an online private auto sales website XXXX. Its for private sellers to complete the transaction with private buyers securely with Carmel handling all the paperwork. I was selling my XXXX XXXXXXXX XXXX and had a buyer. We spent two days going through the process with Carmel dealer services. I completed all verifications have the emails to prove the verified it and I signed all the sales documents essentially giving this company my car and blindly trust them. It came time for the buyer to sign Papers and complete verification which would have been the last step. Or so we thought. After an hour of trying to get their identity verification program to work he was able to complete ID verification and last step sign the papers. Out of nowhere they canceled the transaction. No explanation. I was able to get an email response where they said they were unable to verify the transaction when I have proof they did. Ive had to call the police, the current lender and the DMV to make sure they didnt take ownership of my car because it was fraud. I signed all the agreements trusting them and they canceled at the last minute with a power of attorney and sales documents signed.
Consumer complaint received 2024-03-02
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (MA)

Chase credit offers fraud protection.

I believe I was a victim of Fraud by deception.

Chase refused to honor my claim. 

The location is XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX reported another customer with the same complaint. 

XXXX XXXX XXXX overcharged me in the first place the cost was supposed to be according to online after I checked was XXXX and they charged me XXXX. 

I contacted XXXX and the company told me it is was one on their private franchise. 
They were supposed to give me a call back and they never did.
Consumer complaint received 2020-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NC)

I have multiple credit cards issued by Citi bank that I have been using for more than a decade. I have been a good long standing customer with Citi and they have treated me well until recently when one of my credit card was cancelled without prior notification. I found out that my card was cancelled in a embarrassing way when i tried to use the card for a purchase and it was denied. When I called the card service I was told bank has no obligation to tell the customer when they cancel the card. As per agreement they have the right to cancel it without any notification, and they deliberately made this policy not to inform the customer in cases like me where the reason for cancellation was simply the card was not used for long time. At my end since I have multiple cards didnt keep track of usage of each card besides there was no information provided upfront that my card will be cancelled if not used. With cancellation of this card my credit limit has reduced and dont wish to open new card since I dont want to hit my credit score. My concern and reason for complain is I am a good customer with perfect credit score, no risk to the lender and yet my account was closed without prior notification, or giving me opportunity. I came to know about the cancellation in a embarrassing way.
Consumer complaint received 2024-03-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (VA)

FAKE FRAUD ALERT FROM CHASE EMPLOYEE I received a phone call from an unknown number with a caller ID of JP Morgan Chase-XXXX. ( I have later verified that the number is associated with a Chase bank in XXXX, XXXX ) My bank usually doesn't call me, unless there is a fraud alert on my credit card. I answered the phone and a man named XXXX from the XXXX, XXXX, branch of Chase bank told me that large amounts of money were being transferred out of my checking account, these transfers had been flagged in their system, and he asked if I was aware of these transfers. I believed my account had been compromised, and XXXX was alerting me to the fraud. I pulled up the Chase app on my phone to check the transfers from my checking account, nothing seemed unusual, and I asked XXXX if he could clarify what transfers he was referring to, still unsure if the call was legit. 

XXXX was referring to the lump sum I transfer to our family 's joint checking account with XXXX XXXX to cover our mortgage and car payments. This lump sum is, and has been, transferred regularly, in the same amount, for years. It has never prompted a fraud alert or any issues before. 

When I pointed this out to XXXX, he then switched gears and asked if I was aware that Chase had opened a branch in XXXX and I could do my banking with them, rather than XXXX  XXXX. XXXX faked a fraud alert to solicit business. I called him out, and he admitted that there was no fraud, but he then said, " Well, these payments have been flagged. '' Yes, flagged that I wasn't doing business with Chase. This is totally messed up. 

This may be an isolated incident, but the way XXXX reacted, falling back on the fact that the mortgage payments had been " flagged, '' indicated to me that this was a scripted pitch. He may have been trained to do this, and Chase may be doing this to other people. It is unethical and just immoral to fake a fraud alert to solicit business. Banking depends on trust. I didn't expect my bank to mislead me as part of a sales pitch.
Consumer complaint received 2024-05-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (UT)

I was the victim of a XXXX scam. I was in a large XXXX group for apartment renters looking for units to rent. I found one that I was interested in and messaged the seller, whose XXXX profile name was XXXX XXXX. She let me know to proceed with an application and an apartment tour, I would need to pay a refundable {$100.00} application fee. She said I would pay this refundable fee to her " lawyer '', who would then send me the application form. I sent the {$100.00} to this " lawyer '' through XXXX, of which the recipient email information was XXXX. Another recipient email that was provided to me, originally for use of XXXX payment, was XXXX, but the XXXX payment did not go through. 

After I paid the " lawyer '' on XXXX, I was sent the application form via email from XXXX, which XXXX XXXX also said was her " lawyer ''. When things started feeling fishy, I told XXXX XXXX I was no longer interested in the listing and requested a refund of the application fee. She said her " lawyer '' was going to refund me, but when I did not see the refund for a while, I followed up, and she blocked me on XXXX.
Consumer complaint received 2020-07-02
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: SYNCHRONY FINANCIAL (TX)

Today, XX/XX/2020, I received yet another letter from Synchrony Bank, indicating declining a credit account to them! I have not done such a thing. Why is Synchrony Bank suddenly harassing me about alleged credit inquiries? I have not made any. My credit score keeps lowering as the result. I have attached today 's letter.