davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc (NY)

Around XX/XX/2020, my business client XXXX XXXX sent over 2 payments of {$2000.00} each totaling {$4000.00} for a personal exercise training package. He paid me via the " Friends & Family ''  option of Paypal. Mr. XXXX also sent me a couple of smaller payments of {$35.00} each on XX/XX/XXXX and XXXX for extra car fare. 
A few days later, a Paypal representative called me to inquire about these payments. Caught by surprise, I just told him XXXX was a " friend '' of mine who sent me the money, after the Paypal rep asked who XXXX XXXX was. 
The Paypal rep proceeded his questioning by wanting to know what the money was used for. I replied for " personal reasons ''. 
Based on these 2 responses, the rep informed me that he was going to close my account permanently because it presented a security risk and I will not be able to use Paypal or any of my cards or banks linked to Paypal ever again within their services. 
Despite my reaching out numerous times to appeal this decision to various supervisors, their responses have been consistently rude, disrespectful, unprofessional, and downright threatening, without any chance of recourse. 
Their decision has affected each and every one of my transactions negatively in which the merchant accepts Paypal only, limiting my options of business transactions. 
I even wrote an appeal request via hard copy and sent it via snail mail without response in the Spring 2020. 
I do not feel this was a fair decision on how Paypal treated me, without recourse for reinstatement. Paypal has effectively banned me for life, and I am seeking for a fair reconsideration for an opportunity to not make the same mistake of accepting payments under their strict guidelines, which they are not affording me. 
I am enlisting the intervention of the CFPB to assist me in my goal to be reinstated in good standing with Paypal again, as I had been for over 20 years previously. 
Thank you, XXXX XXXX
Consumer complaint received 2020-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

These are not my accounts that I have inquired about. I have given my name by I.D . and it's not showing correctly on my credit which I think opened these accounts in my name. Please remove them.
Consumer complaint received 2020-09-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY (GA)

Applied for 18-month interest free credit card from Wells Fargo late XX/XX/XXXX. Received it early XXXX. They now say interest begins to accrue XX/XX/XXXX. Spoke to one rep who said thats when the offer expires. Spoke to another today who just keeps saying that XXXX is 18 months, no matter what i say.
Consumer complaint received 2020-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. XXXX XXXX {$0.00} XXXX  XXXX {$130.00} XXXX  XXXX {$27000.00} XXXX XXXX {$22000.00} XXXX XXXX {$6000.00} XXXX XXXX {$1100.00} XXXX XXXX {$0.00}
Consumer complaint received 2020-09-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (DC)

I spoke with the representative from this creditor this morning XX/XX/2020 and they assured me that the account has been deleted from all credit bureaus after speaking with XXXX credit reporting specialist she disputed the items again based upon the documentation that I provided please delete the account from my XXXX  credit report as promised in your prior correspondence
Consumer complaint received 2020-09-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC (OR)

I went to make my final payment of {$490.00} on my car loan and the loan company states that my final payment is over {$2000.00}. They are telling me that I requested a payment due date change from the XXXX of every month to the XXXX of every month when this loan was first started back in XXXX. They are telling me that they informed me that I agreed to a " balloon '' payment at the end of the loan in order to have this happen. 
I have tried for several weeks to get some confirmation and resolution to this issue. The " supervisor '' states that she listened to a recorded call from XXXX and it is confirmed. I have asked to hear this call for myself or receive a transcript of the call. If I actually agreed to this as they say I would pay the extra {$1600.00} but as I do not ever recall agreeing to this so called balloon payment as I would not have changed the due day each month if I had known this. I ma told that it is their policy not to allow me to hear the recording or receive a transcript and I must take their " word ''. 
I have made my final payment of {$490.00} as scheduled but now face a past due of {$1600.00} per their " balloon '' payment. I am facing late charges and repossession if I do not pay what they want.
Consumer complaint received 2020-09-04
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. (VA)

On XX/XX/2020 I sent a letter regarding in accurate and unknown things on my report. 
on this day over 60 days later I have not received responds yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 day gives a reason to immediately remove those items from my credit report it been over 60 days so they should be deleted promptly. I'm asking these accounts be deleted immediately or I will have to file litigations due to the stress you caused me. My information was also impacted by the Equifax and XXXX Data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2020-09-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Neon Newco Corporation (NY)

On Thursday, XX/XX/2020 I went to retrieve my mail from the mailbox. I applied for the XXXX prepaid card online and was expecting it. It was in my mailbox along with a NetSpend prepaid card. 

I didn't apply for the NetSpend card and was not amused. I have sent an email to NetSpend to file a complaint. Under no circumstances did I knowingly or willingly apply for the NetSpend prepaid card.
Consumer complaint received 2021-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NV)

A check from XXXX, # XXXX, for {$13000.00} was deposited into our Wells Fargo checking account on XXXX. On XXXX, Wells Fargo informed us that the check was returned unpaid and that the money had been deducted from the account. We notified XXXX. It said the check was not returned and that their records show it was paid. I filed a complaint with Wells Fargo explaining that XXXX said it didnt return the check and asked Wells Fargo to investigate. I received a letter from a Wells Fargo Escalated Complaints Specialist regarding our case XXXX, which basically just apologized that the deposit wasnt completed. I dont believe he bothered to research the problem at all. Nobody is claiming to have the money, but it has to be somewhere. We really need someone to find it.
Consumer complaint received 2020-09-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

Approximately end of XX/XX/XXXX I received a credit card in the mail WHICH I DID NOT APPLY FOR OR REQUEST. i checked my credit and saw a hard inquiry AGAIN, I did not request or apply for this card. I called credit card company explained to them the situation advised I DO NOT WANT HIS CARD ACTIVATED, that I did not apply. On XX/XX/XXXX I received a credit card statement for {$75.00} which is the annual fee for the card. I was told they could not waive fee unless I close the account which would negatively affect my credit so I did not want to do this. Now they said I can file an identity theft claim, there really is no claim for this as I received the card so no one was really trying to steal my identity. The company would not waive the {$75.00} and I was told it takes 30-60 days meanwhile the {$75.00} payment is due in 20 days (  XX/XX/XXXX ). I don't want to pay the {$75.00} but I don't want late fees. I don't want this card and I will not pay {$75.00} every year for a card I did not request or apply for. Equifax filed a dispute but told me the same thing. So now I have this {$75.00} I owe and no one will help me. I can not wait 1 to 2 months for some sort of review when I have a balance on the account. I asked if it could be closed some other way where I would not get points off of my credit but was told no. I already have a hard inquiry on my report now from this. I want this {$75.00} off, the card was destroyed. I am trying to purchase a home and this will not be good for my credit.
Consumer complaint received 2021-04-26
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: WELLS FARGO & COMPANY (CA)

I purchased furniture using my Wels Fargo credit card. The furniture was delivered in horrible shape and asked Wells Fargo to hold off on payment until the issue was resolved with the furniture store. They agreed to do this. 

The furniture store ( XXXX XXXX ) sent Wells Fargo a fraudulent delivery receipt that they claimed I had signed. It was not my signature, that has been verified by Wells Fargo as not mine. 

I want an answer from Wells Fargo why fraud is O.K. at their bank. They stated they did a thorough investigation into this matter ... .they did nothing as all their facts are incorrect. I never signed a delivery receipt, I was not offered a refund ; just a store credit and I never cancelled or claimed to cancel the order. XXXX XXXX  does have a guarantee that all their furniture will be delivered without any factory defects, which Wells Fargo and XXXX XXXX seem to have overlooked. 

As for Wells Fargo THOROUGH investigation ... try again!
Consumer complaint received 2021-10-07
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. (GA)

These Companies pulled my credit file fraudulently and cause false Inquiries on my credit report account. I have contacted these Individual companies personally and ask them to contact the reporting agency and remove the Inquiries. XXXX XX/XX/XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX via XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Equifax, XXXX
Consumer complaint received 2020-09-04
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. (NY)

My old landlord, who I stopped renting from in XXXX, claimed I owed them over {$4000.00} in damages. We legally disputed the charges and went to civil court. They failed to show, so the judge ruled in my favor and dismissed the debt. Then, back in XXXX, the amount of the damages appeared as an unresolved debt on my credit score with XXXX and Equifax. The development company I had rented from sent the debt to collections illegally, as they never attempted to reopen the case in court. I have reported this to both credit agencies several times and sent XXXX a letter from my lawyer stating that the debt is resolved. The account still shows open on my credit report. Additionally, on XX/XX/XXXX, XXXX tried to make a {$25.00} payment on said debt without my authorization.
Consumer complaint received 2017-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (WI)

I called to cancel my Citi Premier card because the annual fee was coming up. Their retention department convinced me to keep the account open, but convert it to the Citi Double cash card. They assured me there was no annual fee on the new card, and that I would not be charged the annual fee for the Premier card, since it would be closed. I agreed and received my new card shortly there after.
However, I noticed that the annual fee from it previously being a Premier card was posted and rolled over to my new Double cash card account - {$95.00}.
I called to inquire why that fee was on there and was told it will be 'systematically credited in a few months ' So now I have a {$95.00} fee that I have to pay, even though I have not used the new card. This fee was the exact reason I called to cancel, and was told I would not be charged it since the account is closed. Asking me to pay it, and getting it credited back later, is not a reasonable request.
Consumer complaint received 2017-08-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (NC)

I have a Coinbase account with approximately {$62000.00} dollars in it. I have tried 35 times over the last 2 days to attach the front and back pictures of my Driver 's License as requested. They claim that the need arose due to AML rules. They already have my information from when I originally opened the account so this may be a delaying tactic. I have deposited funds and withdrawn funds up until Tuesday morning X/X/17. I have tried loading the documents approximately 10 times via my computer from scanned documents and approximately 25 times from my XXXX XXXX. I do n't believe the site is really working. The failure happens so fast that I bet their servers are clogged. Meanwhile I have lost the opportunity to withdraw funds costing me several hundred dollars. All they have are auto-bots for assistance and no live people. I sent them two e-mails but of course they claim they are being overwhelmed and we should expect a response in a few days. From what I have read on blogs this is a delaying tactic by them and they send form e-mails out as part of their delaying tactic. If they indeed believe they are a financial institution as they state then the State of CA. should investigate them. I have no confidence in them.
Consumer complaint received 2020-07-06
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (FL)

My husband and I purchased a home in XXXX and U.S.Bank Home Mortgage  bought the loan. In XX/XX/XXXX My husband and I divorced. XX/XX/XXXX I qualified for mortgage assistance program. I was told and have in writing that the only requirements were that I made a payment every month for 4 months and the loan modification would be premiant and I would face no penalties as long as those payments were made. On XX/XX/XXXX ( the month of my final trial period payment ) I received a call stating US Bank needed a copy of my Drivers license faxed to their office. On XX/XX/XXXX I sent the copy of my drivers license along with my loan number via fax to the fax number US Bank provided. On XX/XX/XXXX I received a call stating the copy of my license was never received and I am therefore kicked out of the mortgage assistance program and held responsible for all fees and penalties and possible foreclosure. I asked the representative how to get them the proof that I sent the drivers license, the representative stated it doesn't matter if I had proof that I sent it because they didn't receive it therefore I'm non compliant. No where in the signed paperwork does it state that this is a requirement even though I did send it and have been compliant with all requests regarding the mortgage loan. I have called US Bank multiple times and spoke with different reps all saying the same thing, that because they did not get the copy of the license they are kicking me out of the program. All paperwork and copies requested by US Bank have been sent. I believe this is their way of getting out of making the lower payments permanent and forcing people into foreclosure.
Consumer complaint received 2020-12-09
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: CITIBANK, N.A. (NY)

I Ms XXXX XXXX XXXX, Contacted Citibank XX/XX/20 at XXXX on using XXXX line XXXX and requested to speak with Supervisor regarding misplaced check by Citibank . XXXX picked up the line again stating that they had not received it. It was sent two Fridays over XX/XX/20 by XXXX  and it took them " 5 to 7 business days '' and " 2 weeks for it to be on his desk. '' Moreover, XXXX stated that they receive mail twice a week, Tuesdays and Thursdays. XXXX requested I contact him again on Wednesday or Thursday of this week. I Ms. XXXX XXXX XXXX contacted Citibank today XX/XX/20 and a representative named XXXX picked up the line stating that " where you provided a tracking number? '' " Do you know if its an envelope? '' " Do you know that to us you are the XXXX XXXX? '' " Am not going to be colored XXXX? '' " Oh we could not locate the check -- -we dont have it. '' I Ms. XXXX XXXX XXXX do not recognize XXXX and do not know whom she is. XXXX stated that she corresponds with XXXX ( XXXX ) whom also works for Citibank but could not locate myXXXX Retirement check with a valid trace number. 

Second Call to Citibank via XXXX XXXX today XX/XX/20 a representative named XXXX responded to the line call to Citibank. XXXX stated am going to transfer the Citibank call to a real representative " they are about to close all the banks if they can not find your retirement check. '' XXXX was picking up the call from outside. Call was transferred to Ms. XXXX XXXX member with ( XXXX ) with XXXX. XXXX took my social security number again over the phone and looked into their system and stated that they ONLY received a retirement check from XXXX in the amount of XXXX even but it was not under my social security number. XXXX stated that the USPS was SLOW in delivering mail and thus they blamed USPS for the negligence and apparently not being able to locate check even with a trace number. 

On XX/XX/20 Ms. XXXX, representative claiming to work for Citibank under Ms. XXXX stated that I should once again correspond with the XXXX XXXX XXXX XXXX XXXX XXXX, for which when I contacted them via XXXX from XXXX Florida from my moms trailer home, the entire XXXX XXXX XXXX was DOWN. Ms. XXXX, the XXXX  XXXX XXXX representative stated that the system " may be available tomorrow, '' but that they could not view any XXXX  member information online as it was unavailable to them.
Consumer complaint received 2020-05-20
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Credit reporting agencies are reporting inaccurate and unsubstantiated information on my credit report. They are reporting a bankruptcy which is inaccurate and unsubstantiated. I would like to know who provided any information of a bankruptcy. I have a letter from the bankruptcy court stating that they do not provide any information to any credit reporting agency regarding bankruptcies. I demand that XXXX, XXXX, Equifax and XXXX XXXX provide the name, date and contact information of the individual who was spoken to and if they don't provide this information, they must remove this information from my report. This is a clear violation of 15 USC 1692 and 15 USC 1681.
Consumer complaint received 2020-11-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (SC)

Around late XXXX XX/XX/2020 I tried logging into my Chase mobile banking app but it prompted me to call a phone number. I called the phone number and told them that I could not log on to my account. The person told me that my account was suspended ; I asked why but she told me it was the banks decision. She never disclosed the reason to why the bank made that decision. I found this odd because I never received a notification about the suspension since I was using the card perfectly fine the day before. She did tell me that I would eventually receive a check to my old address, my moms place. I also received an email from Chase that I had a message in my online banking account, but because my account was already closed, I could not log on to view the message. About a month or two later I called again to ask and they said my account was under investigation due to suspicious activity, which I had no clue as to why or how. I also received a new debit card of the same checking account from Chase but it did not work due to the fact that account was suspended. They told me that Id receive it in 10 business days. Then, about a month and a half later I called and they said the check was being sent, but I still did not receive a check anytime. So I called them another time just to ask them to change the delivery address to my current address because maybe there was a chance that it was sent, but someone at my old house had misplace it or something. The person also disclosed the amount that Im suppose to receive on the check. Now I called again, XX/XX/2020 and I finally got the reason to why the bank closed my account and its because of 2 suspicious deposits in XX/XX/2020. But Im confused because they told me the account was suspended before that date. The fact that company failed to notify me beforehand that my account had suspicious activity and just closed my account like that with my funds doesnt sit right with me. And this Chase checking account is the first bank account Ive ever opened since Im new to adulthood and I feel very wronged that this happened without any notices or anything. The suspicious activity that I could think of is the fact that I filed for student unemployment due to COVID-19, thus I was deposited money weekly to my account.