davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-14
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (TX)

Chase bank has charged me {$740.00} dollars in overdraft fees this year alone. After complaining and threatening to close my account, they refunded me XXXX of these overdraft fees. In total, they have taken {$570.00} in the last year alone. Due to their predatory ways, I closed my account with them on XXXX/XXXX/2015 by sending them a message to close the account ( as is allowed per their website ). However, they never did close my account and allowed several other transactions to post. Yesterday, XXXX XXXX, 2015 XXXX transactions posted, totaling {$48.00}. In order to avoid the overdraft fees, I deposited a check from the bank I am currently using into my account on the same day. However, as they do, they still charged me XXXX {$34.00} fees. Now I owe them {$64.00} in overdraft fees for {$48.00} transactions. I have contacted them asking them to refund the fees, but they will not. Nor will they close my account. The fees are not valid because first of all, my account should have been closed, and second of all, I deposited funds into the account on the same business day to prevent the overdraft.
Consumer complaint received 2022-07-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

On XX/XX/XXXX property closed as an approved short sale with XXXX XXXX XXXX. XXXX was provided with all required closing documents and full payment per approved net on the short sale approval. On XX/XX/XXXX XXXX sold or transferred servicing to Right Path Servicing. Even though XXXX provided them with all closing short sale documents and funds, XXXX XXXX did not process the documents correctly. 
The net proceeds of the short sale were recently returned to closing agent on XX/XX/XXXX. 
After multiple phone calls to XXXX XXXX I have not been able to solve the issue. Per my last conversation with XXXX XXXX they are asking me to apply for a short sale!!!! This is closed and funded short sale transaction. I no longer live in the property and XXXX XXXX  does not have a clue as what they are doing. This is closed short sale transaction.
Consumer complaint received 2022-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Transunion still has not resolved the previous disputes nor provided required results of investigation and has been in multiple violations of the FCRA as per attached. Transunion has not paid violations invoice as attached.
Consumer complaint received 2022-03-01
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: AMERICAN EXPRESS COMPANY (NC)

AMEX has changed its handling of " cancelled '' credit cards such that a cancelled card will still work with a merchant if that merchant has the card on file. For example, if you cancel your card your old " cancelled '' card will continue to work on XXXX. AMEX 's online portal does not show whether a transaction is made under the old or new card. Nor does not provide an independent means of placing a freeze on transactions conducted under the old card. There is no easily identifiable option on the website to fully cancel the old card. If you contact customer support they will put in an order request to stop processing purchases made on the cancelled card with merchants who have the card on file ( a universe that likely encompasses most of online retail ). Per Amex Customer support, this can take up to five days to process -- this latter fact was only shared after I noted additional charges that were made on the old card. Those charges were not made by me, but they weren't exactly disputable either : they were likely made by one of my nieces or nephews on my deceased father 's XXXX account -- the sort of transaction that cancelling an old card prevents. During my second attempt to cancel my old " cancelled '' card, Amex stated reason for this continued, unwanted charging of my credit account against my wishes was " convenience. '' However, they did not specify whether this was convenience for me or convenience for the numerous merchants who rely on subscription fees for their operating model. Indeed, I am reminded of a merger agreement I was saw in which there was considerable concern that the party being acquired might have to disclose the fact to its customers that they were being bought -- since more than 90 percent of its revenues were derived from customers who had not used those services in over a year and had likely forgotten they were auto paying. This was well before the ubiquitous rise of XXXX and other subscription fee models. My opinion is that this is likely a structural fraud designed to benefit merchants at the expense of consumers who would naturally expect that subscription services on cancelled cards would no longer process. Worse still, is the absence of readily identifiable means of seeing that charges continue to process from cancelled cards and the relative difficulty ( I have contacted Amex 4 times prior to filing this complaint, including requesting to be contacted by a member of their XXXX department ). Indeed, I am not entirely certain if the requests I have made would result in " all '' charges being declined under my old card. If it this difficult for a XXXX XXXX XXXX to cancel a cancelled credit card there can be no reasonable expectation for the average consumer.
Consumer complaint received 2020-05-24
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. (CA)

I had to cancel a XXXX vacation vacation I booked XXXX with XXXX, XXXX in due to the coronavirus shutdown. XXXX updated their cancellation policy on or about the XXXX of XXXX to allow for full refunds. I cancelled on the XXXX thru their website and have screenshots of the process. The confirmation screen confirmed my cancellation and noted that an email would follow in several days time. After not seeing a refund from XXXX after a week, I called their support number and was hung up on, and emailed their support team. The support team denied receiving my cancellation, and demanded proof, which I immediately provided. At that point XXXX ceased communication and I was forced to open a dispute with Chase Credit card. I opened a credit card chargeback, and my credit card company shared with me a fraudulent email from XXXX that claimed I never sent proof of my cancellation, when in fact XXXX was the party that had halted communication with me after proof was provided. I provided screenshots of my email exchanges and screenshots of the cancellation process and success notifications from XXXX from the XXXX of XXXX to the credit card company to disprove XXXX 's fraudulent claim. Chase has ignored my documentation and proof, reversed my dispute and submitted negative feedback to the credit reporting agencies, immediatley lowering my credit score. I do note that JPMorgan/Chase seems to be an investor in XXXX, XXXX and was part of their series C funding in XX/XX/2019 ...
Consumer complaint received 2024-03-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

On XXXX I attempted attempted to transfer money from my Capital One bank account into my XXXX account in the amount of {$150.00}. At the time I was logged in to my XXXX account so I typed my name in the search drop down box and selected it. I processed the transaction but I noticed my XXXX account did not immediately fund as it should have. I called XXXX 's customer service right away. The representative I spoke with asked me did I key in my email address along with my name in the drop down when I made my deposit. I responded no, she said that's the problem! Let me see if I can locate where your money went. She placed me on hold, after a few minutes she returned to line asking if a XXXX account title XXXX was my account? I responded no, she said that's the account that received your money. She then said unfortunately there's nothing I can do to help you get your money from this account holder. XXXX doesn't have the authority to reverse transactions that done person to person. Your only recourse is we can try to contact the account holder ask them to send the money back too you. The other is to have your bank do a chargeback stating this transaction was done in error the funds did not go into their account holder 's account. She said a chargeback would be the best and quickest way to retrieve my money back. She also stated that she would send the account that received my money a email and letter stating they received the deposit in error please send it back to sender. She also told me she didn't think the letters would be effective because the account appeared to be dormant so the account holder would probably never have any knowledge of this activity. So the chargeback was really my only recourse. I called Capital One immediately of course at that time there was real nothing that could be done because the transaction had not posted against my account yet. I did speak a customer service representative at bank she said she would notitate my account file so when I called back after the transaction posted I wouldn't have to repeat all the details again. Capital One initially refused to do the chargeback because they said I wanted the transaction to post the way it did. I filed a complaint they gave me provisional credit after months fighting to have a chargeback filed. They filed it and XXXX denied it! I had it refused and both institutions are violating my protection rights, the are violating electronic funds transfer regulations and other governmental regulations. XXXX even has in house regulation that says if funds are not claimed by the recipient they are too be returned to sender. XXXX should have sent me my money back over 45days ago. Instead they are allowing them to be titled in a dormant account. I can only imagine how they fattening their bottom line by using this technique.
Consumer complaint received 2024-03-09
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: Chime Inc. (TX)

I used Sendwave app to transfer XXXX USD to XXXX  XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX  account " XXXX '' in XXXX on XX/XX/2024, XXXX XXXX  EST from my XXXX  XXXX debit card. The app showed status that the funds were delivered to his account on same date. 

The recipient till date is yet to see the funds in his account. I complained about this issue to Sendwave customer support. I was asked to provide the recipient 's bank statement for the period. I provided the required statement, and allowed XXXX business days for Sendwave to resolve the issue.

On Friday, I contacted them via email to get an update, and the response was to show the same receipt I got when transaction was originally initiated. I asked recipient to check if funds eventually reflect in their bank, but no funds were received, and Sendwave is not showing any sign of resolving the issue. 

I am requesting a full refund of XXXX USD as soon as possible. Please use your good office to help me get this issue resolved. 

Thanks. 

Here is the company info : Sendwave | http : //sendwave.com XXXX XXXX XXXX XXXX dba Sendwave dba XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX Sendwave Support : ( XXXX ) XXXX
Consumer complaint received 2024-03-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

My paypal account was hacked. Someone went in and transferred out {$9900.00}. I called paypal immediately when I saw that and they disputed then said they don't cover transfers. Called their cyber security department they said they would look into it and then I never heard back from them. My average spend on paypal is about {$25.00}. They said this was a normal transaction and it was someone in XXXX that the money was sent to. I can't even read the name.
Consumer complaint received 2024-03-08
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (GA)

This account is not mine and was opened in my name as I was XXXX. I have given this company proof that I was XXXX  at this time. I was XXXX  from XXXX with the ga department of corrections . I provided legal state documents showing my XXXX  XXXX XXXX This debt is not mine. 

This information was deleted once and put back into my credit report by this same company. Now the debt is showing 1 year and 6 months.
Consumer complaint received 2024-03-07
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 (CA)

I received an American Express Gift Card in the amount of {$200.00}. I attempted to use the card online at XXXX to make a purchase of {$84.00} and the card was declined. I contacted American Express and was told that the card was working fine but I needed to use it at a retailer that verified a name, address, security code and expiration date. I told them that XXXX required all of those things but it was still declined and asked where I could use the card. They simply repeated what they had already told me. In conducting research online, I found this to be a common problem and many others experienced difficulties using their cards.
Consumer complaint received 2024-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ROBINHOOD MARKETS INC. (GA)

I submitted a dispute for 3 transactions from XXXX XXXX charged to my account on XX/XX/24. do not have an account with XXXX XXXX. Only 1 was credited to my account and I keep getting updates that they are still investigating the other 2. It has been XXXX months and no resolution to the claims. Also, I have not even received a new card and there are several transactions a day that are attempted. I have spoken with several associates and no one can tell me when they plan to resolve the claim or why they keep letting the card get attempted yet are very slow to adhere to the claim process.
Consumer complaint received 2024-02-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

XX/XX/XXXX I was food shopping using my ATM card at self-checkout. I was notified by bank of America that a {$1000.00} was withdrawn from my checking account and a purchase of {$900.00} was made at a XXXX. I did neither. Was refunded for those. On same day in XXXX different transactions, XXXX withdrawals were made from my savings account. XXXX for {$3600.00} and XXXX for {$4600.00}. I did not do either. I have never withdrawn large sums of money using my ATM card ever - been with bank over XXXX  years!! They denied that claim. Said I made the transactions or gave permission to someone. I did not. Second letter said I did not exercise care to safeguard my account. The self-checkout machine at store does not provide any security in entering one 's pin number. Anyone watching could have memorized it. Also leaving the store, I was distracted by a man asking directions using his cell phone. With the sophistication of criminals today, it's possible my card was scanned in some way. Or I dropped it. I have no idea. I have a hearing problem so if dropped I did not hear it. Bank notified me of transactions, I put in a claim, few days later put in a police report. Have notified State 's Attorney General 's office, Added a complaint to Federal Trade Commission. Attrorney General 's Ofc looking into. I've gone back and forth with Fraud Department for over XXXX months. Will not let me speak to investigator. No one can give me answers. A second fraud occurred XX/XX/XXXX. Believed I was speaking with someone at Fraud Department. He said he was a supervisor there and was going to help me resolve claim. Asked me all kinds of questions such as DOB, address, phone number, accounts, cred card info etc. I gave it all. Said he would transfer me funds from XXXX XXXX. Asked me to set up an account and he would try to send {$1700.00}. Didn't happen. Said he would call me back - didn't happen. After that I realized I was scammed again. Be trying to talk with Fraud Department about this too. left on hold long periods of time. They haven't returned call. I have all alerts on accounts, credit agencies accounts are frozen. I don't believe he is able to get anymore funds.
Consumer complaint received 2023-05-23
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: EQUIFAX, INC. (NC)

Here is a list of hard Inquiries that I have no knowlege of : 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 2024-03-07
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Atlanticus Services Corporation (TX)

on XX/XX/year> at approximately XXXXXXXX XXXX central time, Aspire Credit Card company sent me an email saying they were going to raise my variable APR of a little over 20 % to a fixed rate of 32.4 % They also said the letter was " an important legal document '' and should be kept for future reference. I believe this is unfair and deceptive practices. 
I never received a appropriate Appendix XXXX - Right to Rescission ; explanation of why Section 5 of the FTC Act, 15 U.S.C. 45 violations are being ignored ; and Bait and Switch practices. 

They also said there was correspondence sent via mail, which is a violation of privacy and an attempt to collect a debt.
Consumer complaint received 2024-05-09
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WSFS FINANCIAL CORPORATION (FL)

XXXX mortgage ceased statement and collection activities in XXXX on a {$20000.00} second mortgage, aggressive illegal collections of time barred debt started in XXXX, with foreclosure law suit.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (FL)

First of all im a man that works XXXX XXXX theres an account for XXXXXXXX XXXXthat is reporting on my credit. i have never a day in my life been to XXXX and and company this account is fraudlent and im asking for it to be removed from my credit report.
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX IS REPORTING ON MY CREDIT REPORTING INCORRECTLY AND CREDIT BUREAUS KEEP FALSE VERIFYING AND REINSERTING ON MY CREDIT REPORTING WITHOUT PROPER NOTIFICATION. ACCOUNT HAS BEEN IN DISPUTE OVER 6 MONTHS AND CREDITOR AND BUREAUS HAVE FAILED TO REPORT IN DISPUTE. ACCOUNT DOES NOT REPORT DATE CLOSED OR DATE OF LAST PAYMENT. DATE OF LAST ACTIVITY HAS BEEN UPDATED TO CHANGE PURGE DATE OF ACCOUNT. XXXX XXXX FAILED TO PROVIDED ME WITH LEGAL DOCUMENTS OF MY STATE WHEN A CAR IS REPOED. THIS ACCOUNT SHOULD BE PERMANENTLY DELETED BECAUSE IT IS IN VIOLATION OF THE FCRA AND CREDIT REPORTING RESOURCES GUIDE.
Consumer complaint received 2020-05-24
Product: Credit card or prepaid card — Government benefit card
Issue: Advertising — Confusing or misleading advertising about the card
Company: FISERV INC. (AL)

This is a copy of a complaint entered at the Alabama AG site consumer protection site online XX/XX/XXXX, regarding thismatter : My wife and I recently received correspondence from Money Network Financial that included a VISA card embossed with our names. The accompanying literature stated in enlarged letters : " Here is your Economic Impact Payment Card enabled by Money Network. '' It takes reading the fine print and looking past the misinformation to understand that this mailing is actually an offer to open a credit account with Money Network. The enclosed printed literature even says, " This prepaid debit card is being sent to you on behalf of the U.S. Department of the Treasury in place of a paper check. This Card contains the money you are receiving as a result of the Coronavirus Aid, Relief and Economic Security Act ( CARES Act ). Copies of mail literature forwarded by email to the Alabama AG ConsumerInterest email address. 


XXXX and XXXX XXXX XXXX, AL XXXX XXXX XXXX
Consumer complaint received 2020-05-24
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: Experian Information Solutions Inc. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NJ)

This is my 6th request for Equifax to simply provide the documents proofing this debt is mines with XXXX XXXX aka XXXX XXXX XXXX. Equifax is the only credit bureaus that's keeping this debt onto my credit report .. this isn't my debt nor will you provide that it is. I have a complaint with XXXX  XXXX  aka XXXX XXXX  and it has been more that 60 days and still haven't respond back with any kind of proof yet Equifax is the only credit bureau keeping this on my file. I humbly ask that Equifax respond back with the documentation to proof this debt to be mines ... Even on XXXX the debt has no collection agency name on it ... I have also called the company that XXXX XXXX XXXX is saying I owe the money to and they have no record of such debt. 

I have attached all documentation. Showing that only you Equifax is keeping the debt on my credit report and always how it's not being reported correctly. 

I wouldn't want to take any legal actions. But, if Equifax doesn't provide documentation that is debt is mines I will do so. 

There are 3 accounts {$50.00}, {$410.00} and {$200.00}