davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-08
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (GA)

A collection agency began reaching out about charges that were over XXXX years old from an apartment rental I stayed in with XXXX mates from college. The charges that were presented did not align with the lease whatsoever, but the collection agency showed no concern about correcting the matter or looking into my statements. I have asked for a verification of these charges and their alignment with the lease contract, but have received nothing in return except a " verification of debt '' that they present, which is the charges that were drafted up over XXXX years prior from the apartment complex, which I had never received before. 
I have personally gone through the lease contract and can not identify any legitimacy for the drafted charges, meanwhile the collection agency has failed to provide me a thorough representation of their validity in relation to the physically signed contract. 
The debt amount began at {$7700.00} ( nearly XXXX the rent amount ) and continues to grow and accumulate interest despite having not been provided with a reasonable justification for the charge. The contract period was from XX/XX/XXXX - XX/XX/XXXX.
Consumer complaint received 2024-05-08
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (DE)

At around XXXX XXXX XXXX, XXXX  XX/XX/year>, I received an alert from XXXX 's " TruIdentity '' program stating that someone ( via Chase XXXX XXXX XXXX asked for access to my XXXX credit report. 

I DID NOT recently apply for ANY type of credit from Chase, so I do not know WHO would do this. 

AN INITIAL FRAUD ALERT has now been placed at EACH of the three CRAs via XXXX.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since XXXX a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. XXXX attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (CA)

My checking account with US Bank was closed on XX/XX/2023. They issued me a cashier 's check which was stolen and upon investigation it looked like the perosn who stole the check was able to deposit the check into their account. I have been in contact with the bank since XXXX and i have not yet received a replacement check. My concern is that im not getting any update from the bank. Every time i call the customer service they are not able to tell me what is the status of my claim and advise me to go to a branch and when i do go to a branch they are also not able to assist me or even tell me what is going on. I have been very patience trying to get this resolved but im starting to get very frustrated because its been 7 months trying to get my money back from US Bank.They already know the name of the person who stole and deposited the check into their account and i don't know who that person is so why is it taking them this long to issue me a replacement check and go after the person who stole the check. Please help.
Consumer complaint received 2017-10-10
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: CURO Intermediate Holdings (CA)

I paid the Speedy Cash loan in full almost two years ago and they keep harassing me they put it on my Credit Report and keep threatening me. I 'm sick of it I provided proof of full payments debited out of my bank account through ACH. They insist on harassing me and calling me and threatening me. I 'm tired if it all.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Your client XXXX XXXX here on an visa and with XXXX fake XXXX numbers XXXX and XXXX. Lying that he purchased XXXX XXXX XXXX in XX/XX/XXXX for XXXX from XXXX XXXX. He gave committed forgery cashing XXXX checks in my name XXXX. XX/XX/XXXX XXXX. Mailed out XX/XX/XXXX. XXXX informed me yes he did it and make police report as XXXX Det. XXXX XXXX XXXX and conducted a affidavit of forgery on XX/XX/XXXX. Recall that chase name this deed fraud under XXXX against XXXX XXXX XXXX 

On XX/XX/XXXX at XXXX for XXXX minutes I spoke to boa mortgage department XXXX XXXX and he said a guy name XXXX XXXX XXXX lying saying XXXX XXXX has clear title but is no clear title in this file. They have attached to your loan XXXX another loan as XXXX for XXXX to XXXX XXXX XXXX  and still hiding it and lying to me that they have it. 

On XX/XX/XXXX I spoke to boa checking XXXX XXXX and he said that fake XXXX number led to where XXXX XXXX cashed your XXXX checks into XXXX XXXX XXXX XXXX AZ same as XXXX XXXX XXXX XXXX XXXXXXXX XXXX just moved her office there a year ago.
Consumer complaint received 2024-05-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc (IN)

I was attempting a purchase for {$45.00} on the " XXXX XXXX  XXXX '' offered on the merchant site thru PayPal ( PP ). As shown on attachment " XXXX  XXXX, '' they obtained an authorization on my XXXX card for the entire amount ( which I understand, it was only an authorization, not a charge ). However, after taking authorization, they sent an e-mail ( " XXXX  XXXX '' ). When I clicked " Go to Message Center '' to view their response, " Paypal XXXX '' ( attached ) shows what I saw ... Impossible to read! 

I attempted to call PP to inquire at XXXX XXXX  XXXX ( " Paypal XXXX '' ). However they were closed, not opening for about 3 more hours, so I completed my purchase with the merchant, paying in full using another card. At XXXX XXXX  XXXX, I again phoned them. I inquired why and, of course, she couldn't provide me any information ( I guess their motto is " Keep the customers 'in the dark ' '' ). I requested she immediately close my PP account ( didn't have 'em before, don't need 'em, was just gon na use their money for free for a few weeks ). I further instructed her I wanted NO e-mail, spam, advertising, ABSOLUTELY NOTHING from PP PERIOD, except I would still like to know why, and informed her since she could NOT tell me, I would file a complaint w/CFPB! I would still like to know why they declined, and how they can do this to people... take an authorization for the entire amount ( which I understand, will drop off after a few days ), but then decline them AND NOT EVEN GIVE A REASON??? PATHETIC!
Consumer complaint received 2024-04-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo blocked our accounts without any notice or explanation as of XX/XX/year>. They are asking us XXXX we plan to stay in XXXX for over XXXX month or have connections with their government. A totally discriminatory and harassment that transpired without any reasons,, we wired no funds or did anything not in compliance with XXXX. 

They are not being transparent and give us, nor the banking employees of the XXXX branches we visited any explanations, just holding our accounts XXXX. Please assist ASAP. 

Note, we are all XXXX citizens, my wife and son are XXXX born and I have lived and worked in the XXXX for over XXXX years and have maintained an account in good standing with Wells Fargo for over XXXX years. 

We desire to leave Wells Fargo and move our accounts to another bank.
Consumer complaint received 2024-04-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I was using a Capital XXXX  Card ( https : XXXX ) to book a hotel in XXXX through the travel agency XXXX XXXX XXXX XXXX : XXXX ) via the website ( https : XXXX ). Due to a technical glitch, the card was charged ( {$1900.00} ) without generating any documentation or a confirmation number after producing website error message. XXXX XXXX can not locate a hotel booking confirmation number associated with the charge. The hotel can not find my reservation under the card number since there is no confirmation number. Essentially, the card was charged without any corresponding product or service being provided. I attempted to dispute the charge with Capital XXXX while it was still pending, but the company refused to cancel it. Currently, the card is charged without any product or documentation of the purchase.
Consumer complaint received 2020-07-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Nelson Cruz & Associates LLC (TX)

A company called Nelson, Cruz and Associates called me and said I had a 6 year old debt that if I didn't take the settlement offer they would sue me and take me to court in my home county. 

I have nothing from this company in writing stating anything about an old debt, just a phone call threatening me.
Consumer complaint received 2018-01-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (KY)

I go to close on my XXXX XXXX XXXX XXXX property on XXXX/XXXX/XXXX ( one week and Monday is a Federal Holiday ). 

On XXXX/XXXX/XXXX advised by title company that Chase held 2 liens on my property ( HELOC & Mortgage. 

Took out HELOC ( Loan # XXXX ) with Chase in XXXX Refinanced with Chase Mortgage in XXXX XXXX. 

Chase HELOC paid in full ( at or shortly after close ) - not in dispute by Chase. 

Due to Chases ' negligence and indifference, thirteen ( 13 ) months after Chase admits that they were paid in full, my property is still being held hostage to their indifference which will very likely block the sale. 

XXXX/XXXX/XXXX Chase submitted Lien Release request to XXXX XXXX. 

Chase later following my discussion with XXXX  admitted that the XXXX document had been rejected due to error in submittal. They since have said they had re-submitted on XXXX/XXXX/XXXX or in XXXX XXXX ( but in neither but can they provide a copy of either doc. ) One Chase rep also said they received confirmation of lien release from XXXX having been processed ( again no copy available ) and before another Chase employee told me the re-submittal was in XXXX XXXX. Add to this a letter from Chase 's Executive Director XXXX XXXX, dated XXXX/XXXX/XXXX congratulating us on paying off our loan in XX/XX/XXXX( six months after the closing and after Chase supposedly submitted the 1st lien release request ; or a month after the latest date they claim to have submitted the 2nd request. ) I have begged to speak with their legal dept. and been told they have no legal dept and no lawyers at Chase ( Must be busy settling the $ XXXX XXXX in DOJ suits? ) Or to speak with someone in mgmt control to convey the urgency of the problem. Not only do n't they employ any lawyers but no managers either! 

I need Chase 's FAKE lien removed from my property in time for the XXXX to provide a clean title for our close next Friday ( XXXX/XXXX/XXXX ). 

I have spoken with no less than 8 Chase rep 's to date and have zero confidence that anyone cares or is even slightly motivated to resolve their negligence.
Consumer complaint received 2024-04-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

Citizens bank has been holding my funds for a year + with no explanation given as to why, while at the same time charging me monthly maintenance fees on money i have no access to. I tried to transfer this money to XXXX XXXX, and XXXX was able to honor the transaction via XXXX. After i spent the money on my bills, i check back and see that the money was revered by citizens which in turn resulted in a civil lawsuit against me from XXXX. Im filing this complaint on the advice given to me by the district judge, AND the opposing parties ( XXXX XXXX ) lawyer
Consumer complaint received 2024-04-16
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I sailed on XXXX XXXX XXXXXXXX XXXX XXXX XXXX  that docked in XXXX, XXXX, on XX/XX/2024. 

In XXXX, I was targeted as an unaccompanied older woman and was lured off XXXX XXXX into XXXX XXXX XXXXXXXX XXXX XXXX at XXXX and XXXX XXXX. The person on the street handed me off to two men inside the store, XXXX and XXXX XXXX XXXX XXXX. I was scared from the start, and being alone, unable to extract myself from the situation. I was not left alone at any time while I was in the store. The men gave me water, then an alcoholic drink, and at least one, if not both, were XXXX. From that point on everything gets hazy, including how they accessed my credit card. 

XXXX was the instigator, a large, fast talking man. XXXX and XXXX spoke to each other in a foreign language behind my back. They pressured and badgered me to buy their products. I repeatedly told them No! I have a vague recollection of having a pen put in my hand, a piece of paper placed in front of me and XXXX standing over me barking Sign it! I was scared for my life, signed the paper and was finally pushed out of the store where I managed to make my way back to my ship. I was victimized, terrorized, and made ill by whatever they gave me. I became ill that night and remained in my cabin until the ship docked in New Jersey on XX/XX/XXXX, and remained ill for several days after my return. I did attempt to to seek medical care once I was back home. I have since learned that this XXXX  scam is a known crime perpetuated against older women, especially those that are alone. It also happens in the XXXX. 

A box was shipped to my address from XXXX XXXX, Florida, despite my multiple attempts at telling them no in XXXX. I refused the package and XXXX returned it to the sender. Proof was provided to CapitalOne from XXXXXXXX XXXX  website. 

The Companies involved are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX XXXX CapitalOne was notified by phone of the scam on XXXX XX/XX/2024 when the charges were pending. The company refuses to stand behind me and is allowing the {$5200.00} charge to stand, despite multiple attempts to explain the crime to them. 

An informational police report was taken by XXXX XXXX XXXX at the XXXX County Sheriff 's office on XX/XX/2024, Case # XXXX ; the XXXX XXXX  Police and the FBI were contacted on XXXX XXXXXXXX XXXX ; the U.S. Consulate in XXXX was notified, as was XXXX XXXX XXXX  in XXXX by email on XXXX XXXX XXXX  as I was unable to reach them by phone.
Consumer complaint received 2017-02-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: LD Holdings Group, LLC (NJ)

My unit is under a 5 year tax abatement program, so every year there is an abatement increase on top of the original tax amount, which comes in a separately bill. LoanDepot, my mortgage server did n't pay the abatement increase from my escrow account, and claimed they did n't receive a copy of the bill first. I sent a photo copy in early XXXX, and kept following up. However, only until today, after I call them, I got an answer saying that this increase amount is not their responsibility to pay, and they ca n't incorporate this amount going forward, either can they reimbursement me the losses occur. It 's been a month!
Consumer complaint received 2024-05-06
Product: Credit 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: Klarna AB (MI)

In XXXX, I used Klarna financing to purchase a preorder of roses from XXXX XXXX with an anticipated ship date of XX/XX/XXXX. The purchase total was {$830.00}. Klarna was an available purcase option which means that the company was a partner. What I didn't know was that XXXX XXXX, owner of XXXX XXXX XXXX was on probation for fraud and had basically committed fraud continuously with various business ventures from XXXX to the present. 
Towards the end of XXXX, it came to light that zones XXXX and XXXX hadn't received any roses yet. I was concerned and immediately asked XXXX XXXX XXXX to cancel my order. They stated they would cancel and refund. They refunded at {$0.00}. Most people have not been successful in getting a refund. I reported to the PA attorney general and the FTC. They took thousands of orders. 

I filed my first claim with Klarna at the end of XXXX. This was a preorder that should have shipped in XXXX. I sent Klarna my correspondence with the company confirming my order was cancelled as well as the fake refund email. Klarna never bothered to do a chargeback. I called Klarna repeatedly over the last XXXX  days. Klarna NEVER requested any information. I finally sent an email in response to an email Klarna sent asking me if I'd like to close my case early. Klarna 's response was to tell me that now my preorder order was too late to file a claim. They intentionally ran out the clock so that I was XXXX days past the ship date. I am on I believe my XXXX claim with Klarna. 

I want others to know that Klarna partners with scammers and that their buyer protection doesn't mean anything at all.
Consumer complaint received 2020-07-02
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT HAVE BEEN MADE BY ME OR AUTHORIZED BY ME. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT FILE. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2024-05-02
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I deposited a tax refund check on XX/XX/year> and a day later on XXXX/XXXX Huntington bank closed my bank account without saying anything now they wont let me get my money or tell me why my bank is closed they funds is already cleared they took there overdraft fee but not sending me a check or nothing now its going on XXXX weeks
Consumer complaint received 2024-04-29
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: SOP Pioneer Partners LP (LA)

I applied for the Louisiana Servicemember Civil Relief Act interest change for XXXX XXXX military members. This is not the same as the Federal SCRA because the LA SCRA includes loans that started after the time I was on XXXX XXXX orders. The company denied me under the Federal statutes, stating that because I started the loan after my start of XXXX XXXX service. I emailed them letting them know that I was not filing under the Federal law, but under the Louisiana law. They never responded.
Consumer complaint received 2023-10-21
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP (NY)

I was on the front page of XXXXXXXX XXXX website, clicked on the box to apply for an XXXX XXXX credit card that shows 4x points as well as {$150.00} bonus once you spend {$500.00}. I applied, got approved, received a card. Spent the {$500.00} witin one month ( they require within 3 months but I was well within that time frame ). Called to ask where my points and bonus was and was told I didn't get the XXXX XXXX card like I had signed up for. Was told it's now a platinum card. Looked up their platinum card online and it shows the EXACT same information, 4times the points and {$150.00} sign on bonus. They are the exact same, so why am I not getting what they advdertise? Shouldn't matter what type of account they put me in EVEN though I clicked the XXXX reweards card, they offer the same sign on reward for either account when you open a new account. So somewhere they have me screwed up and no one is trying to fix a thing. I have excellent credit as well. I took pictures of their website showing the offers they are giving people to sign up for the XXXX XXXX rewards card AND the platinum card. So they advertise the information to lure you in, and don't give it to you when you earn it.
Consumer complaint received 2024-04-29
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Advance America, Cash Advance Centers, Inc. (KS)

We got a call about a loan they said we made. We told them we did not take out a loan. We reported this all to the police and put a hold on all of the credit reporting sites. The company, Advance America, told us they understood it was fraud and would not bill us. Now we are getting letters threatening to put it on our credit report and they are charging fees because whoever took the money has no intention of paying it back. All they have to do is find out who owns the account they sent the money to. Or do a better job of vetting people they are handing out money to.