davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-27
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: JPMORGAN CHASE & CO. (OR)

We financed our new car purchase through Chase Bank. The auto dealership was running a special that waived the first month 's payment. Three weeks prior to when the first free payment would have been due, we set up auto-pay but noticed that the first payment due date did n't reflect the first month free. This was brought to Chase 's attention immediately but nothing was fixed. They sent us a past due notice once the due date came and went. We called again, explained the situation, and were told they 'd take care of it but they never did. We received another past due notice, threatening late fees and reporting to credit reporting agencies. After numerous calls to the dealership and Chase, we were finally assigned a person at Chase Auto Finance who we were assured would help. Five calls to her went to voice mail and were never returned. Finally, to avoid this affecting our credit, we paid the first month payment. That was in XXXX. It 's now almost XXXX and there has been no resolution. Chase assigned us another representative who was going to solve this issue. Like our previous experience, calls go straight to voice mail and they are never returned. XXXX XXXX, XXXX ext XXXX, give her a call and see if she answers. 
The bank admitted to entering our loan into their system incorrectly but they 've never apologized for their mistake nor offered to remedy the situation. They do n't return our calls. They only ever called us to try to collect money that we did n't owe. They harass and threaten to report our lack of payment to credit reporting agencies. Once they got our money, they stopped calling but it 's our money and I want it back.
Consumer complaint received 2015-12-01
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc (FL)

I was checking out with PayPal ( or so I thought ) and I ended up somehow signing up for their credit card! I feel as though I was tricked into signing up for a credit card I have absolutely no interest in having. I have really good credit and I 'm upset that they did a hard inquiry. At this point I do n't know if it would be better for my credit to keep it or close it. The damage has already been done with the inquiry.
Consumer complaint received 2016-02-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (NC)

We cancelled home Internet services with XXXX XXXX XXXX when we moved. We went into the store closest to our home, returned our equipment, and paid our final bill in full. We have the receipt for this transaction and we were told at the store that we were " good to go. '' XXXX XXXX XXXX reported us to a debt collection agency for non-returned equipment one month later. We received absolutely no notice that this would occur, even though the company has our mail forwarding, current phone number, and email. The first information we received was from the debt collector notifying us that we had been sent to a collection agency.
Consumer complaint received 2016-07-25
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: Uber Technologies Inc. (CA)

I had been approved for the Xchange Leasing company 's Access program through Uber for a reassigned vehicle lease. The terms were to place a {$250.00} Security deposit, and have active insurance and the car is yours for a weekly lease fee based upon the year make and model to be extracted automatically from your Uber earnings. As someone with damaged credit, and having a small income, the program was a great idea for me to quickly begin to generate a substantial amount of income given the immense demand for uber drivers in XXXX county. I also had previously been commuting via public transport to and from an existing job. So I leased the car to both save money on transport and make more money with the car itself as an XXXX. I paid all the deposits on insurance on last Monday, picked the car up on Wednesday of the same week, and now today is the following Monday. My car is gone. I woke up, walked outside to leave for work at XXXX, and my car is nowhere to be found. I stood there with my keys, started to call the cops and report it stolen when my neighbor tells me it was towed. So I called around to all the tow yards in the city and no one has it. I called the cops back and reported it stolen only to be met with that it could not be reported stolen as it was marked as repossessed. I was then given the number to the repossession agency, who informed me I 'd have to call back at XXXX to find out who ordered the repossession. So as time ticks by I got on call with Xchange Leasing to see if there were any answers to be found and After a 40 minute hold I was told my first payment is n't even due for another two weeks, and that everything was fine but to call back in a few hours and see if someone made a mistake. So XXXX rolls around and I call back the repossession company, to find out that Xchange Leasing had ordered the repossession! So I got right back on the phone and waited another 40 minutes to be told I was wrongfully repossessed, and that I would get a call back so they could try and arrange for me to get my car back which is currently 2 hours away from where I live, with no vehicle. I still have not received a call back, it 's now almost XXXX. I 've missed my day of work, and the time I could have been XXXX for Uber this evening. I could n't even take transport because of the security deposits and not having disposable income. To top it off I suffer from an XXXX and my XXXX is still racing just from those two hours of not knowing what just happened to my new car, source of income, and thinking it was stolen!
Consumer complaint received 2015-07-22
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (WA)

Paypal tried to collect a fraudulent charge from my XXXX XXXX credit card. XXXX XXXX requested documentation from Paypal to backup their claim and the requested my response and documentation from me. XXXX XXXX rejected their claim. After that Paypal changed the transaction ID and place back the charge on my account and they insist on collecting the same amount. I already sent them XXXX electronic messages using the Paypal contact us form to no avail. Paypal contact form states that they will respond in 24 hours. 
I just received an email demanding payment on the fraudulent amount.
Consumer complaint received 2016-01-08
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Paypal Holdings, Inc (CT)

I purchased a dress from XXXX in late XXXX and returned it in XXXX. I reached out to the merchant and was inform on XXXX that Pay Pal had taken the money from her and that I should have been credited. I filed a claim with my bank XXXX XXXX XXXX XXXX XXXX who tried to get the funds from Pay Pal and was denied. The merchant all this time was under the impression that I had my money. I reached out to Pay Pal and told XXXX ( case # with Pay Pal XXXX ) that the merchant had their merchandise and to please refund me, Pay Pal refused. So neither the merchant or myself has the funds..
Consumer complaint received 2016-07-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: MORTGAGE CENTER, LC (MI)

I was unemployed in XX/XX/XXXX and experienced a substantial decrease in income. I contacted my mortgage company right away to look at options. They provided me with information to apply for a government mortgage modification that would potentially lower my payments. The mortgage company explained that I would need to qualify for a permanent modification by making 3 successful trial payments. They provided me with the trial payment amounts and I successfully paid each trial payment on time and in XXXX XXXX they made my modification permanent. After reviewing my credit report a few months later, I noticed that the mortgage company marked my payment late for each month of my trial payment even though they had set the mortgage payment amount and I paid as agreed. This has caused a significant negative impact to my credit score as it is one of the only negative items. Had I known that they would mark me late I would not have went through with the modification process. I have contacted the mortgage company on numerous occasions asking for an explanation, and the only answer I get as that they say they are legally obligated to report me late. I believe there lending practice was deceptive and predatory. I have asked them to remove the late payments and they refuse.
Consumer complaint received 2015-06-02
Product: Credit card — 
Issue: APR or interest rate — 
Company: BARCLAYS BANK DELAWARE (IL)

I took a Balance Transfer in the amount of {$15000.00} on XXXX/XXXX/2015 on my Barclay UPROMISE by Sallie Mae Mastercard. The starting balance before the transfer was {$0.00}. 
The minimum payment each month was between $ XXXX {$150.00}. In the following month ( XXXX/XXXX/2015 ), I made a merchandise payment of XXXX It is my understanding that under the " CARD ACT '' any payments that I make should first get applied to my highest APR component of balance. Unfortunately, it does n't seem like Barclay is complying with this rule and is continuing to charge me interest on that XXXX I made the following XXXX payments after the merchandise purchase XX/XX/XXXX:XX/XX/2015 $ XXXXXX/XX/2015 $ XXXXXX/XX/2015 $ XXXXAnyone of these payments should have covered the XXXX merchandise with a non-zero APR. But Barclay continues to charge me interest on that XXXX purchase. 
I have spoken to XXXX different agents including a supervisor, and I got XXXX different answers. The supervisor stated that they have the right to allocate the minimum payment any which way they want. Only payments above the minimum payment will be allocated to the highest interest rate first. Under this theory, if I had made a payment of $ XXXX $ XXXX {$230.00} then there would have been no finance charges. But their statement has a paragraph that says I had to pay over {$380.00} to avoid interest!!! That 's deceitful! 
Their statement is confusing and makes no sense. It should have told me the right dollar amount to pay in order to avoid interest. I could have paid the $ XXXXI just want to know what is the correct $ $ to pay to avoid interest and no one seems to know at Barcalys!!!
Consumer complaint received 2016-04-27
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (LA)

SYNCB did an unauthorized credit inquiry with XXXX on XXXX/XXXX/2015. I called SYNCB to dispute the unauthorized inquiry twice and ask both times to have it removed from my XXXX Credit Report. This violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transaction Not Initiated by Consumer. SYNCB stated they could not find no records of an application and that they could not remove nor send me a letter to have it removed. I also called Transunion twice to dispute the error of the unauthorized inquiry as they stated they can not remove it without a letter of error from SYNCB
Consumer complaint received 2016-10-08
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (OH)

I have a JC Penney store card ( not XXXX or XXXX ). I took advantage of a deferred 18 month no interest promotion which expires on XXXX. When I have current month activity they apply my payments to the promotion first so I incur interest for the current payments each month. I pay enough each month to cover the current charges and make additional payments to pay down the promotion balance. 
When I make a web ( or check payment ) there is no system or mechanism to designate how I want to have the payment applied. I called customer service and it took 5 minutes to go through the voice response unit ( wo n't let you opt out for a representative ) to reach a live agent and go through the ID questions to talk to an agent. The agent said after I make each monthly payment each month ( 60 minutes a year - 12 payments x 5 minutes ) I would have to call customer service to direct how I want my payment applied. This is a whole lot of hassle. My wife wants me to payoff the credit card ( lose the remaining benefit of the promotion ) and destroy the credit card. We will stop buying anything from JC Penney at all ( we do n't have these problems with XXXX XXXX, Lowes or XXXX on their interest free promotions ). 
We also received an unsolicited JC Penney VISZ or MC which we did not activate and shredded.
Consumer complaint received 2015-05-28
Product: Credit card — 
Issue: Rewards — 
Company: SYNCHRONY FINANCIAL (NY)

My XXXX credit card account was cancelled without notice. I received no paper or electronic notice. Not only is this inconvenient, but I had reward points that I had not yet redeemed and which XXXX still owes me. The same thing happened to my wife 's account. She spent several hours on the phone yesterday and was told that they no longer have reward points records, although, conveniently, they do have records of outstanding balances. Today, I received an email from the new owner, Synchrony, encouraging me to sign up for a credit card that I thought I already had. I would like to receive a formal notice and explanation of cancellation from XXXX. I would also like confirmation that this will not adversely affect my credit score. Finally, I would like a record and receipt of any reward points.
Consumer complaint received 2021-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX XX/XX/2021 To : Wells Fargo XXXX Complaints Management Office Wells Fargo Credit Card Customer Service Cc : Consumer Financial Protection Bureau XXXX XXXX XXXX Cc : Federal Reserve Consumer Help XXXX XXXX XXXX XXXX MN XXXX Re : Bank-originated, invalid charges on my credit card Wells Fargo XXXX Visa account XXXX Wells Fargo case number : XXXX Wells Fargo complaint ID # XXXX - XXXX XXXX XXXX Dear Representative, I am writing to seek assistance with false, bank-originated charges that Wells Fargo has placed on my afore-referenced credit card account, and which heretofore Wells Fargo has been unwilling or unable to correct . 

I telephoned the bank on XX/XX/XXXX and spoke to a representative who referred me to a customer advocacy group at XXXX. I spoke to an escalation representative named XXXX who was sympathetic but unable to help. 

The story from the Wells Fargo representatives is that : 1 ) I performed electronic payments from my checking account XXXX to my credit card account XXXX on many occasions. 
2 ) On a few of those occasions, Wells Fargo applied an incorrect Transaction Date 3 ) To correct the transaction date, Wells Fargo is reversing the credit However, Wells Fargo is reversing my payment, but not reapplying the payment with the correct transaction date. This results in Wells Fargo debiting my checking account, but not applying the corresponding amount to my credit card. Effectively, Wells Fargo is misappropriating funds from me by debiting my checking account but not crediting my credit card account. 

The following charges on my credit card account XXXX represent invalid reversals of legitimate payments out of my checking account. 

Transaction date, Posting date, Amount, Description XX/XX/2021, XX/XX/2021, {$46.00}, Online Payment XX/XX/2021, XX/XX/2021, {$160.00}, Online Payment XX/XX/2021, XX/XX/2021, {$80.00}, Online Payment XX/XX/2021, XX/XX/2021, {$100.00}, Online Payment XX/XX/2021, XX/XX/2021, {$510.00}, Bank Adjustment Total to date : {$890.00} So at this time, there are just under {$900.00} of invalid bank-originated charges on my credit card account, and I have been unable so far to get this corrected. 

Assistance would be greatly appreciated. 

Sincerely XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-09-09
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LD Holdings Group, LLC (GA)

I just received a call today, XXXX, from someone claiming to be from XXXX, when spefically asked if with government XXXX, the gentleman said yes. The agent proceeded to tell me as part of XXXX his job was to let people know they are entitled to savings due to the type of loan that I had.I was told I did n't need to agree to anything at the moment and just to hear the cost savings. The agent proceeded to connect me to a 'Specialist ' while he remained on the line. I heard a recording say Loan Depot before the 'specialist ' got on the line and asked the agent who was Loan Depot as he said XXXX XXXX The line was abruptly disconnected at this point. Please make consumers aware loan companies are claiming to be federal agencies.
Consumer complaint received 2015-03-19
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: PNC Bank N.A. (MD)

I have a car loan with PNC bank. In XXXX of 2014 I sent a payment of {$250.00} in the form of a money order. PNC bank lost my payment. After that mishap I began to submit. my payments online, via bill payment. Now this month I submitted a payment of {$300.00}, online as before, they will not release the money to my account. I have proof that I sent the payment and PNC bank still refuses to accept the payment.
Consumer complaint received 2017-01-28
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: JPMORGAN CHASE & CO. (PA)

Received harrassing calls at all hours of the day including nights & weekends. I am not the head of household where my address is listed & I am being informed by her that she no longer wants calls from debt collectors on her landline phone due to me. Specifically Chase company is harrassing her late at night & on weekends after she has already informed them that the number they are calling is not mine.
Consumer complaint received 2016-10-17
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (CA)

Thought I opened a regular checking account with PNC Bank, included a deposit of {$2000.00} that occurred on Saturday, XX/XX/2016. However, I was unable to access the account, so I called customer support on Monday XX/XX/2016. I am unable to access my account or the funds without a " signature card '', which I 'm told is a piece of paper I have to physically sign ( note that, as far as I can tell, this card is not a method of payment, but rather solely used to contain a signature. I asked why, and was told the card is used to verify my information. I asked, do you not already have my social security number, driver 's license, and {$2000.00} deposit? I was told that, for some reason, a physical card with my signature was necessary. I was also told the card takes 3-5 business days to receive. However, I have not received any such card. I then tried to close my account over the phone and have my funds returned to my issuing account. They also said this would be impossible without the " signature card ''. Is this not a violation of FDIC laws? The deposit was less than {$5000.00}, meaning there 's no reasonable expectation for the bank to issue a hold for this period of time. Phone representative : XXXX XXXX
Consumer complaint received 2016-11-06
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: PNC Bank N.A. (MD)

SUBJECT : Fraudulent Transactions - CRISS reference # XXXX Reference is made to the attached letter dated XX/XX/2015. PNC advises that after a careful review of the documentation available and information provided by us, that the transactions were authorized and the merchandise or service requested using our card was received. Therefore, the claim was denied. 
I spoke to a PNC Representative at XXXX on XX/XX/2015 and informed her that we had not received the merchandise or in this case, the proceeds of the loan request from XXXX. I also advised the PNC Representative that we would be formally submitting a written appeal to this denial to the address noted on the XX/XX/2015 letter from PNC. The Representative also noted that she would place a note in our file that we were contesting the initial determination made by PNC. 
At the very mimimum, PNC should credit our account with {$580.00} given that I had advised PNC on XX/XX/2015, that my wife and I believed that the multiple transactions were based on fraud carried out by XXXX. The final transaction of {$580.00} was still in a pending status on XX/XX/2015. Please see my attached log of all e-mail transactions sent to PNC Bank and their responses. In particular, please note the following e-mail sent to PNC : Read Message Message List Send A Message Message Detail Subject : StopPayment Date : XX/XX/2015 Message : The following debit withdrawals were made friday. I now believe that this was a loan scam that I fell for. Is there anything I can do to void these tranactions? It involved XXXX for a loan. I was required to send these three transactions to cover insurance, processing fees and to increase my credit score. The loan company is not willing to refund my payments. XX/XX/2015 POS PURCHASE XXXX XXXX MD {$410.00} XX/XX/2015 POS PURCHASE XXXX XXXX MD {$710.00} {$470.00} 1 XX/XX/2015 POS PURCHASE XXXX XXXX MD {$370.00} {$1100.00} To assist in your review, I have included the following supporting documents : 1. PNC letter dated XX/XX/2015 ; 2. Summary Overview of the Fraud Matter ; 3. E-mail log providing our requests and PNC responses ; 4. XXXX Sheriff 's office IdentifyFraud/Theft report ; 5. Complaint Referral Form to FBI Internet Crime Complaint Center ; 6. PNC Bank Statements reflecting all the fraudulent transactions, including the pending status of {$580.00} on XX/XX/2015 which occurred after our e-mail notification to PNC on XX/XX/2015 ; and 7. Copies of all of the wire transfers to XXXX. 
Your review and reconsideration of our request to have all the monies restored to our account is urgently requested. And at the very minimum, the last transaction of {$580.00} should be credited back to our account based on the e-mail advisement we sent on XX/XX/2015 stating that the funds sent to XXXX were based on a fraudulent scheme by that company. 
Your re-evaluation and reconsideration will be most appreciated. If you require additional information, I can be reached at XXXX or by e-mail at XXXX Attachments
Consumer complaint received 2022-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 a account without my written instructions