davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (FL)

I have a cashback credit card with this bank and have been collecting cashback for over a year. Abruptly on XX/XX/XXXX I noticed that I was unable to charge my card so I contacted the bank. They told me that they had cancelled my card and forfeited my cashback which was over {$4000.00} by then. I asked for a reason for this and they were not able to give me a valid reason. I know I have never had a missed or even late payment on the card and actually had a credit balance on the card which they acknowledged. My suspicion is that the only reason for doing this is that by cancelling the card abruptly without fair warning I would have no opportunity to draw my cashback and they would be able to forfeit the money they would otherwise have to pay me. I would like them to reinstate the card or failing that provide me with an opportunity to draw my cashback. I feel this is an insidious and unfair behavior by the bank targetting a customer for no fault. I hope the regulators can step in and protect the rights of a consumer. Thank you
Consumer complaint received 2019-01-06
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (MI)

A couple years ago I used Sears ' financing to purchase a couple items at the store. I paid off the final amount in XXXX. 

Since then I have twice received notifications that my Sears card is being upgraded to a Mastercard credit card. The notification says this will happen automatically unless you go online or call to reject it. I have not been able to complete the process online and I had to wait on hold for 10 minutes to complete the process by phone. 

I expect they will keep sending these periodically. Are they allowed to do that? I think they should be told to desist from trying to push people who did store financing into having a credit card that they never requested.
Consumer complaint received 2019-01-05
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc. (NC)

I applied on Studentloan.gov for an income-based payment plan on XX/XX/XXXX. I received an email from Nelnet on XX/XX/XXXX indicating they received my application for income-based repayment plan from Studentloan.gov. I am still waiting to hear from Nelnet. They already got access to the IRS for my XX/XX/XXXX tax return. Why are they dragging their feet? At present, the current monthly payment is {$2100.00} per month. I can not afford that. If Nelnet refuses the modification of my payment, I will be forced into default. During XX/XX/XXXX, my income was reduced because my full-time employment ended ( see attached ). I attached my last paystubs for XX/XX/XXXX as well.
Consumer complaint received 2019-01-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Gurstel Law Firm, P.C. (IA)

Gurstel Law Firm asked me to make an offer on my debt. I made one of {$10000.00}, which was ignored. I then made another offer of about 40 % of the debt due the original creditor, which I had settled a different debt at 40 % with. I informed Gurstel Law Firm that I expected a response to my proposed settlement within five days, or I would consider the debt invalid. I received no such response, and Gurstel Law has continued their lawsuit against me.
Consumer complaint received 2019-01-05
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Williams & Fudge, Inc (TX)

Upon checking my credit report I noticed a new inquiry from a company called WILLIAMS AND FUDGE INC. The company is reporting negatively and I have no clue as to who or what this  company is as they have not mailed, emailed, or called me regarding the debt prior to reporting negatively on my report.
Consumer complaint received 2020-12-24
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: EQUIFAX, INC. (FL)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.
Consumer complaint received 2019-01-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Business Bureau (IL)

I am a XXXX veteran and unemployed. My medical care is 100 % covered through the Veterans Administration. If I go to a veterans hospital it is not a problem. If taken to a non-va hospital, the hospital must contact the va for payment - which i have never had a problem with. 

On XX/XX/2016 I was taken to XXXX XXXX in XXXX to have blood sugar tested. I never got to intake at the hospital but a nurse did come out to test my blood with a glucometer. I was fine and left. 

I never received a bill. I figured they sent it directly to va IF there even was a bill. 

Over two years later Medical Business Bureau XXXX has made claim that I owe TWO bills for the single visit. {$450.00} and {$320.00}. 

1. Either and especially both are absurd. I was never intaked at the hospital. EVEN if I would have been, any glucose test is not that high and even if it were, it would be paid by va at a rate agreed between hospitals. 

2. I informed XXXX XXXX and now Medical Business Bureau to send bill to VA or send me correspondence and I would give it to VA. To date they have responded only by making two fraudulent claims for treatment ( which at best should only be one ) and putting both on my credit report indicating i have two medical bills in collections. 

3. Unlike other insurance i can not simply pay it and get a refund from VA. They must submit it to the VA for payment. I have zero control of the matter and it is the VA 's bill to pay.
Consumer complaint received 2019-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX is reporting that I owe {$630.00} on my credit reports but according to there website and my payment schedule I only owe {$350.00} and therefore XXXX is reporting incorrectly on my credit reports.
Consumer complaint received 2020-12-29
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (VA)

LoanDepot.com, XXXX XXXX XXXX XXXX XXXX, NJ XXXX RE : Loan Number ... XXXX On XX/XX/2020 I paid my first payment on my loan of {$2700.00}, due on XX/XX/2020. It was deducted from my Bank account by electronic funds transfer ( EFT ). On XX/XX/XXXX their system automatically deducted an additional {$2700.00} payment and treated it like it was a regular mortgage payment, deducting for interest and escrow. 
I tried for weeks to get my money back by calling them and sending messages, but I still have not received a check or EFT refund of {$2700.00} as of the date of this letter. Two agents told me that the funds would be returned by EFT and the rest said that the check was mailed on XX/XX/XXXX. 
Finally, on XX/XX/XXXX a supervisor called me. He said his name was XXXX with an employee ID of XXXX. He said that a check had been mailed to me on XX/XX/XXXX but offered no proof that a check had actually been mailed. He suggested to me that I call my bank and ask them to stop payment on the XX/XX/XXXX overpayment. I told him that I thought it was probably too late to do that, but that I would try. He agreed to call me the next evening to follow-up. 
I called my bank on XX/XX/XXXX and they stopped the payment immediately and refunded my {$2700.00}. That evening XXXX called again, and I told him the good news. He said that he would simply put a stop payment on the check and that I didnt even need to return the check, if in fact I ever received it. I thought that was the end of this nightmare. 
Today, XXXX XXXX, I looked online at my account and discovered that their automated system is now saying that I missed the payment of XX/XX/XXXX and that I am 24 days late on my payment. 
I paid my XXXX monthly payment on XX/XX/2020. They have not returned any money to me. 

To avoid having their system charge me with a late payment, I submitted a payment on XX/XX/XXXX, to be paid on XX/XX/XXXX. Again, their system has deducted the payment twice, apparently because their system has recorded that I never paid my XX/XX/XXXX payment. This is a nightmare. 

There is no one I can call at the company to correct these problems. The company has taken on too many clients and does not have trained staff to correct problems with their system.
Consumer complaint received 2020-12-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: OPTUM BANK, INC. (CA)

A {$75.00} charge from XXXX XXXX on XXXX was cancelled but Optum Mastercard debit card won't return my balance back to my card. I had a three way phone call with myself, XXXX XXXX and Optum bank on XXXX that I though had cleared up this matter but as of today XXXX their has been resolution. Customer service tells me that matter has been expedited but no one has tried to contact me. Nor have they credit back my {$75.00} please help.
Consumer complaint received 2020-12-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Filo Mortgage, L.L.C. (VA)

I was guranteed in writing a refund for origination fees i.e. {$980.00} within 7-10 days of loan funding by FILO MORTGAGE , L.L.C . ( NMLS # XXXX ). However, they only send me partial refund of {$320.00} claiming there was an error in system and have stopped responding to my emails. 

I was working directly with FILO 's CEO XXXX XXXX ( NMLS # XXXX ), last I heard from him was XX/XX/2020, my loan was funded on XX/XX/2020. They also ripped me off on the rate, the prevailing rate at the time was 2.125 %, they jacked it up to 2.25 % which increased the payments by {$20.00} amounting to {$3600.00} in extra payments over 15 yrs.
Consumer complaint received 2020-12-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (PA)

How is case XXXX closed? It also says I filed a chargeback and was ruled in my favor. None of this case out come it true. I sent documents of the outcome of the dispute. I'm wondering either if you can't read or didnt view the documents. Im personally aggravated with your responses as if you purposely answer in an uneducated manner to make it complicated. Can you please stay focused? 
On XX/XX/XXXX you received payment returned to you for the amount of {$5000.00} that was to be returned to* XXXX , ( transaction ID XXXX ). Merchant XXXX XXXX has yet to receive these funds. I have enclosed the outcome of the case more than once to you. I have also supplied you with documents that you received returned funds from XXXX XXXX in the amount of {$5000.00} to satisfy the funds held in XXXX  XXXX  account. 
Today XX/XX/XXXX I did not receive a notification that the case was closed which I find odd. But it is showing that you closed the chargeback case stating it ruled in my favor. Where do you get this? That is highly the case. I have a document from XX/XX/XXXX regarding the case that the funds of {$5000.00} were returned XX/XX/XXXX per merchants response to the chargeback case. 
If you look at my XXXX bank statement from XXXX XXXX it shows that the funds from XX/XX/XXXX were rebilled back to you in the amount of {$5000.00}. It is listed as XX/XX/XXXX on the bill followed by another transaction purchase XX/XX/XXXX. This is proof of payment returned per chargeback dispute to you PayPal. 
Please do not overlook my documents which contain proof of your wrongful case closing. 
Please refer to XXXX XXXX document dated XX/XX/2020 XXXX paragraph where it states XXXX XXXX does not reach out to third parties such as you PayPal discussing case details. Please note case details will not be shared with you due to security and privacy concerns. 
I would like to know how you closed this case? It is completely invalid. 
Where are you getting your information? If escalated legally you will need educated answers to this this information you claim. My supporting documents show you are lying and stealing money.
Consumer complaint received 2021-08-16
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: EQUIFAX, INC. (TN)

I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE ; I demand proof TO SEE valid authorization/proof of alleged debt. Reporting without valid proper disclosure requirements is in direct violation of my consumer rights. I XXXX XXXX, legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these regulations by the FTC U.S C41, et Esq. I am maintaining a careful record of my communication with your company.
Consumer complaint received 2022-09-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Early Warning Services, LLC (CT)

I have made several claims between XXXX and Zelle. XXXX continues to tell me to go outside of them BUT they are my bank. Zelle has not yet reached back out to me. This is in the amount of {$730.00}. I have not had a resolution since XXXX XX/XX/25. Please assist in anyway possible.
Consumer complaint received 2022-10-10
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. (MD)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-12-29
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE.

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2022-12-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rent Recovery Solutions (TX)

I contacted XXXX XXXX  in XXXX to lease an apartment. I paid a deposit and decided after walking the property that it was inadequate. I asked XXXX to return half of the deposit which I was owed by law. They refused so I filed a dispute with my credit card company ( XXXX XXXX ). 

Eventually they return my deposit, and a check was cut from their billing company from XXXX XXXX XXXX XXXX XXXX. in the amount of {$200.00}. I cashed this check with my bank and then called my credit card company to release the funds, in full, back to XXXX. 

This dispute has been resolved ; however, I received a call from Rent Recovery Solutions stating that XXXX did not receive payment from my credit card company. 

I asked the rep to verify the debt and did not receive a debt verification letter. The representative told me she did not receive my paperwork that showed copies of the correspondence from my credit card company, bank, and a copy of the check XXXX sent to me which I cashed. I sent the paperwork via XXXX  with a signature required. It shows as signed and delivered. 

Previously, before dealing with Rent Recovery Solutions, I dealt with XXXX 's billing company for 4 months ( XXXX - XX/XX/2022 ), with endless calls asking for payment.
Consumer complaint received 2022-10-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC (FL)

Around XX/XX/2021, I fell victim to two multi-layered scam operations run by " XXXX '' who supposedly represented XXXX which involved me making deposits for a total amount of XXXX XXXX from my Gemini account to fraudulent investment firms.
Consumer complaint received 2019-01-06
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: U.S. BANCORP (IL)

On XX/XX/XXXX, I made a partial payment of {$800.00}. On XX/XX/XXXX, I made the remaining payment. Next full payment that went through was XX/XX/XXXX, I had not noticed that a check I deposited had been returned. I continued to make on time payment from XX/XX/XXXX through XX/XX/XXXX. In XXXX and XX/XX/XXXX, I got hit with a 30 day late on my credit report. XX/XX/XXXX, I was hit with a 60 day late on my credit report. XX/XX/XXXX and XX/XX/XXXX, US Bank hit me with 30 day lates again. I had talked to US Bank to have the 4 of  the 5 late penalties from my credit report. they said that they couldn't do anything. I tried to explain to them that only one should've been reported not 5 of them.
Consumer complaint received 2022-10-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (SC)

I have two Chase bank credit cards. In XXXX was charged over {$120.00} in fees for XXXX. They claim I was given notice in first quarter. Notice was primarily about Chase XXXX and cash transaction piece was misleading, incomplete and unclear. They only refunded one charge on one card heres the language TERM WHAT IT MEANS Cash-like Transactions Cash-like transactions will be treated as cash advances. Cash-like transactions include, but are not limited to, the following transactions to the extent they are accepted : purchasing travelers checks, foreign currency, money orders, wire transfers, cryptocurrency, other similar digital or virtual currency and other similar transactions ; purchasing lottery tickets, casino gaming chips, race track wagers, and similar offline and online betting transactions ; person-to-person money transfers and account-funding transactions that transfer currency ; and making a payment using a third party service including bill payment transactions not made directly with the merchant or their service provider. 

I think the balance of charges should be refunded.
Consumer complaint received 2021-08-16
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: I.C. System, Inc. (TN)

I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE ; I demand proof TO SEE valid authorization/proof of alleged debt. Reporting without valid proper disclosure requirements is in direct violation of my consumer rights. I XXXX XXXX, legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these regulations by the FTC U.S C41, et Esq. I am maintaining a careful record of my communication with your company.
Consumer complaint received 2019-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

XXXX has reported me late multiple times while i was a student and under in school deferment. They refuse to report all months most months aren't even reported and most the ones that are are wrong ... i was never late.. 
XXXX also reports i had a high balance of XXXX on 3 or more loans.. meaning id have over 1 million in student loan debt for my XXXX XXXX XXXX! I actually owe XXXX total
Consumer complaint received 2021-08-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (PA)

This company has been attempting to charge and collect amount from me by assigning this account to a different persona. I have made my part by reaching out to them and to the 3 major Bureaus. But to my surprise, I have not received any response from both parties. Thus, their act of negligence is highly not acceptable. I have made my research about this matter and by then the Bureaus have violated the Credit Reporting Act, 15 USC sections 1681i within the time set forth by law.
Consumer complaint received 2020-12-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

Dear sir or madam, My original complaint : This is regarding my PayPal account created in my name : registered email address : XXXX My account was permanently limited with a vague explanation of their " terms of service. '' Only after I filed a complaint with the XXXX  did they give an explanation but it is not satisfactory. They said they will put a hold on my money for 180 days. At this time I have over {$600.00} in my account and it is a lot of money, and quite a hardship they are keeping it, during this pandemic. 

My updated complaint : After 180 days have passed, Paypal broke their promise and did not return my money. They accused me of receiving my earnings through XXXX which is not true. They took my balance and deducted it to XXXX, so Paypal basically stole my money, hiding behind their " terms of service. '' I want my money NOW, and I don't want to hear any more excuses from Paypal. 


Please help me. 

Thank you, XXXX XXXX XXXX XXXX