davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC. (TX)

I made a purchase on XXXX for a hotel stay on XX/XX/XXXX for {$660.00} from my checking account with SoFi. When I arrived at the hotel it was in bad condition, so I reached out to the hotel chain who told me to reach out to XXXX to refund me the money. XXXX refused, so I submitted a dispute to the bank alongside the email showing I was owed the refund. SoFi has sided with the merchant. I reached out to SoFi and they just respond saying the matter is closed. I asked for what they used and they send me a blank document. Not sure how they deny the chargeback when I have proof showing Im owed the refund. 
You can see from both attachments the booking id being the same.
Consumer complaint received 2024-02-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2023, Chase Bank decided to close my account. There was no reason given or notice, they simply blocked my funds and restricted my from accessing my hard worked earned money. They said I was going to receive my funds in the mail within 10 business days and it has been 8 months. Eight months of weekly calls for updates, with months of being transfered from department to department, eight months trying to figure out how I can get my money back, since I am an entrepreneur and SURVIVE paycheck to paycheck. Every time they tell me something different, first it was a flagged transaction, then a zelle payment, then a deposit ; ultimately they do not know. Based on the information they have provided me, they do not know where my money is and " the only department that might know '' does not have an email, phone number or office where they can access them. Apparently they are a ghost part of the bank and no one has access to them. So I just need to wait " with no timeline ''. Like my bills are going to wait too. 

I even traveled to another state for an appointment with banker, to provide written proof that the funds are mine and they still refuse to release my funds.
Consumer complaint received 2024-04-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IL)

Commencing on or about XX/XX/year>, I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USD from my JP Morgan Chase account to a fraudulent investment firm. ''
Consumer complaint received 2024-02-21
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A. (TX)

I had a XXXX dollar CD at PNC bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, phone # XXXX which matured on Sunday XX/XX/year>. As XXXX was a holiday I went to that bank on XX/XX/year> to liquidate that account and get the funds ( including interest ) transferred to my account at another bank. They gave me interest upto XX/XX/year> and refused to give interest for 2 days of XXXX. I spoke that branch XXXX on XX/XX/year> and she stated that it was their bank policy to not give interest for the grace- period days after maturity of a CD. I request your help to get the interest for those 2 days as all other banks have always given me interest on my funds in a CD until I liquidated that during a grace period after maturity.
Consumer complaint received 2024-04-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (TN)

XX/XX/XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Chase Bank regarding the sudden closure of my account without any valid explanation. I have been a loyal customer of Chase since XX/XX/XXXX, maintaining a pristine record with the bank. Despite this, Chase has failed to provide me with any legitimate reasons for their actions. 
The closure of my account has left me deeply troubled and frustrated, particularly as I have diligently adhered to all terms and conditions outlined by Chase. I have not engaged in any illicit or inappropriate behavior that would warrant such drastic action. 
What concerns me even more is the lack of transparency and communication from Chase regarding this matter. Although I visited the Chase branch in XXXX, TN, to seek clarification and possibly inquire about information pertaining to my account, I was met with ambiguity and ambiguity. Despite a couple of attempts by the branch manager to contact me via phone calls, I was never informed via email, mail, or text message leaving me unaware of the urgency or significance of the situation. Given the prevalence of fraudulent calls and spam emails, I had no reason to trust or prioritize these communications, particularly as they did not originate from Chase 's official contact channels. Furthermore, during my recent visits to the branch, Chase representatives failed to raise any concerns or discuss any issues regarding my account. This lack of communication is not only unacceptable but also indicative of a disregard for customer service and loyalty. 
To add insult to injury, I was informed by Chase representatives that I would be permanently ineligible to open a checking account with Chase in the future. Such a proclamation is not only demeaning but also lacks any justification or rationale. If Chase possesses evidence of wrongdoing on my part, it is imperative that they share this information with me promptly and in a transparent manner. 
I demand that Chase Bank provide me with documented evidence supporting their decision to close my account and permanently ban me from their account services. If no such evidence exists, I expect a formal apology from Chase, both in writing and in person, particularly if the branch manager 's actions contributed to this unjustifiable outcome. 
I trust that the Consumer Financial Protection Bureau will thoroughly investigate this matter and take appropriate action to ensure that consumers are treated fairly and transparently by financial institutions like Chase Bank. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I requested thrice for the student loan data related to XXXX XXXX be removed. I had an automatic approval via XXXX Vs XXXX on XX/XX/23 which was a letter provided to them. The settlement in this court order, also provided, advised that the account was to be completely discharged, all trade lines removed as if they never existed and including a full refund. The CRA have all stated that XXXX confirmed this account to be valid when it is in fact NOT. These items are detrimental to my financial wellbeing. The Department of Education has acknowledged to XXXX  via letter ( also attached ) that they missed their deadline and have began to blame servicers, leaving all qualified consumers in the middle.
Consumer complaint received 2016-07-12
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc ()

I did set up funds withdrawal from my PayPal account to my bank account on XXXX XXXX, 2016. 
Money have not arrived by now, it is XXXX XXXX, 2016 today. It is more then 1 month now. I did XXXX transfers for {$15.00} XXXX and {$210.00} XXXX on XXXX XXXX, XXXX both transfers were lost. I contacted PayPal regarding this number of times but I still have not seen the funds at my bank account as well as they have not returned to my PayPal account.
Consumer complaint received 2024-04-11
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (CA)

Im an XXXX XXXX service member and received orders to Louisiana. Request SCRA Benefits under Louisiana State Law. Please note under Louisiana state law, the interest cap of 6 % applies to all credit cards and loans obtained DURING and before XXXX XXXX. I have attached my orders and Louisiana state law. 

This complaint is for XXXX separate credit card accounts. XXXX account ends in XXXX and the other ends in XXXX.
Consumer complaint received 2024-04-08
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harris & Harris, Ltd. (VA)

I have setup a payment plan with the Virginia XXXX XXXX XXXX after my XXXX XXXX XXXX XXXX. XXXX was dismissed. This firm has called me everyday since XX/XX/year> and on XXXX regarding this debt and I have informed them I have an advocate at the Virginia XXXX XXXX XXXX and have setup my plain even though I have a new XXXX XXXX filed XX/XX/year>.
Consumer complaint received 2024-02-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (OR)

Wells Fargo took unauthorize funds from my account monthly and enrolled me in a service i did not authorize. The were ordered by the CFPB i a settlement agreement to repay thousands of customers for similar deceptive behaviors. I have called the mitigation departments at both Wells Fargo and XXXX XXXX -- the third party administrator of the settlement agreement -- And both have the same canned response " it is processing still sorry for the delay ''. This has been going on for months. Neither dept was kind, helpful or transparent. Rather they were dismissive, curt and arrogant. Clearly Wells Fargo and its staff, third party agent-XXXX XXXX  XXXX and WF 's own mitigation dept are not taking the terms of the settlement agreement seriously. Their cavelier and dismissive attitude is troubling. 

I wrote to the WF Board of Directors and the Executive offices of Wells Fargo as the Settlement Agreement order states in Section IV that the Board of Directors has ultimate, individual and group culpability, responsibility and fiscal accountability for timely management of the settlement terms. They provided a a form letter directing me back to their third party company XXXX XXXX XXXX ) for answers. this is the company I started asking questions of -- so I have gone full circle trying ton get a plausible, reliable and transparency response. 

Wells Fargo is egregiously out of compliance with the Settlement Agreement. The CFPB should be stepping in and enforcing the terms of the agreement now. The CFPB has received over XXXX complaints so far regarding Wells Fargo 's cavalier, complacent and negligence managing this settlement. They are demonstrating a belief that they are above court orders, The CFPB has the evidence of non-compliance and yet they are emulating the CFPB 's non action. Clearly Wells Fargo can not be trusted to self govern. Please hold the board accountable for replacing the monies taken from customers IN A TIMELY manner and required in the settlement order.
Consumer complaint received 2024-02-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (GA)

I have had a PayPal account for over 10 years for two business accounts.

PayPal has changed CEO 's and my understand the business has changed greatly.

As of the last 2 payments, PayPal is now holding my payments and delaying them 1-5 days. 
I have contacted the company a couple of times, and they are very vague with why they are holding the money. It is in the transfer to the XXXX  XXXX XXXX and never has been held in over 10 years. The Vendor client is the same for 8 years and the transfer process has never had an issue. 
Are they holding the money to have cash flow at their own company? 
I am going to discuss with my client and moving forward ask for a different method of sending my payments. 

XXXX XXXX
Consumer complaint received 2022-03-29
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: OPTUM BANK, INC. (TX)

My Optum HSA accountXXXX has closed since XXXX, XXXX. I made several attempts for Optum bank to issue me {$500.00} refund check for the credit balance. The bank refuse to give me any tracking number or expedite my issue.
Consumer complaint received 2016-04-15
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Designed Receivable Solutions, Inc. (CA)

I received a " Letters Of Dismissal '' from the " Office Of XXXX XXXX XXXX XXXX, Administrative Law Judge '' dated XXXX XXXX, 2015, telling me that charges by " XXXX XXXX XXXX And XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) for the doctors charges ( {$24.00} ) and the hospital charge ( {$150.00} ) had been dismissed by a Administrative Law Judge ( XXXX ) and the original debtor, XXXX XXXX XXXX XXXX XXXX XXXX, that they agreed not to pursue any payments from me. The collection company, '' Designed Receivables Solutions, INC '' I, refuses to acknowledge this and will not take this debt off my credit report to the XXXX major credit reporting agencies ( XXXX, XXXX, XXXX ) I filed a complaint with XXXX and XXXX. They ( the collection company ) did have the collection debt removed from XXXX, but not with the other XXXX credit reporting agencies ( XXXX and XXXX ). I sent them a letter with copies of the dismissal letters and a copy of the their bill asking them to stop calling me and take this collection debt off my credit report, on XX/XX/XXXX.They have n't done so, as of this date XXXX XXXX.
Consumer complaint received 2024-02-12
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (NC)

I believe the account is invalid. DISCOVERBANK needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. DISCOVERBANK XXXX
Consumer complaint received 2024-02-12
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (NJ)

Jefferson Capital Systems has reported collection information on my consumer reports as unpaid. I have never entered into a contract with Jefferson Capital Systems and I have/had no business with them. I have no debt with them, yet they have contacted me via email and have ignored my responses to said emails. 

The only email they sent me was sent on XX/XX/XXXX. 
On XX/XX/XXXX I disputed the account electronically as per one of the instructed methods in the email that was sent to me but they never responded. 

They have failed to provide me with proof of required information that I requested about the debt and proceeded to add this derogatory account to my consumer report anyway after not responding.
Consumer complaint received 2024-02-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (IL)

15 USC 168.1b Jefferson Capital Services , LLC {$1100.00} XXXX XXXX  I did not say that the credit bureaus need to have written instructions to add accounts on my credit report. I would like the to be removed from my credit report decreasing my XXXX  score by XXXX points and needs to be added back to my XXXX  score that was XXXX immediately.
Consumer complaint received 2016-05-24
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Fidelity National Information Services, Inc. (FNIS) (VA)

I recently applied for a XXXX XXXX product, a checking account. I was informed that I did not meet the expectations, hence declined. I assumed that as a result of this inquiry my credit card company has usage imposed restrictions on my credit card ( longer holds, etc. ). Nonetheless, I was told I had a right to know what my credit report had that I was not aware. The agency they reference in the letter was Checksystems. My experience in the past was very negative. I requested a report about three months ago and never received such request. I wondered what is being reported since I was rejected. This is not the first time I have encounter rejections referencing information on consumer report. I have filed previous situations with this agency about them.
Consumer complaint received 2024-02-12
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: CITIBANK, N.A. (OR)

I was charged {$980.00} to my credit card account on XX/XX/XXXX, from XXXX XXXX # XXXX XXXX, XXXX. 

The charge is in error because I returned the purchased item, but the merchant instead charged me an additional {$980.00} instead of issuing a refund. 

On XX/XX/XXXX, I purchased a bracelet from XXXX XXXX for {$980.00}. I returned the item on XX/XX/XXXX, and the seller promised to issue a refund. Despite repeated requests and attempts to resolve the issue directly with the merchant, I have not received the refund to date. 

Additionally, I filed a claim with XXXX on XX/XX/XXXX regarding this transaction ( XXXX XXXX XXXX XXXX XXXX. Despite the Bank stated the issue resolved, the disputed amount of {$980.00} remains outstanding on my account balance.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Upgrade, Inc. (PA)

On ( XX/XX/ ) I sent an Identity theft letter to ( XXXX XXXX XXXX, UPGRADE INC, XXXX XXXX XXXX ). I have not received a response nor has ( XXXX XXXX XXXX, UPGRADE INC, XXXX XXXX XXXX ) complied with my request which has been more than 30 days and is in violation of 15 U.S.Code 1681i ( 6 ) ( A ) and 15 U.S.Code 1681i ( a ) ( 1 ). Attached are the letters that was mailed on ( XX/XX/ ) and an updated FTC identity theft report. To my understanding, according to FCRA, debt collectors have 30 days to respond to disputes and request made by the consumer. ( XXXX XXXX XXXX, UPGRADE INC, XXXX XXXX XXXX ) have not made one call, or sent one letter in regards to disputes I've mailed to them. This is a direct violation of FCRA Section 611 ( A ) ( 1 ). Which is punishable by up to {$1000.00} in fines per violation. If any disputes per the consumer request are not met with proof or verification within the requested and lawful amount of time, this account is to be deleted from the the consumer 's report, as by lack of response and documentation requested it signifies that this account is unable to be validated or verified. This Lack of validation per the consumer request is in direct violation of FDCPA Section 809 ( b ). Attached are the letters I sent plus my updated identity theft FTC report.
Consumer complaint received 2021-11-26
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 — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION (DE)

XXXX XXXX Balance : {$7200.00} This was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. You failed to do so, REMOVE IMMEDIATELY
Consumer complaint received 2016-11-02
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: ROYAL UNITED MORTGAGE LLC (IN)

My dad was trying to refinance his house so that my husband and I could make repairs to the home and live there. We tried for the FHA. I told the representative that the bathroom needed to be gutted, the home was old and my dad did n't take care of the house. The loan would cover all of the repairs and increase the value of the home. During my conversations with the representative I was never told repairs would have to be done before receiving the loan. He assumed the condition of the home and did n't think he needed to specify. We were denied and I lost about {$500.00}. That 's a lot of money to lose due to miscommunication. He was not thorough with his information and did not inform me of everything I would need to know for the process. I called to speak with him today. As I was asking to speak with someone else he hung up on me