davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/, my Chase Sapphire card was charged {$1900.00} from a company called XXXX XXXX. I immediately checked my other credit cards and notice an identical charge of {$1900.00} had been charged by XXXX XXXX on my Chase United card on that same day. I called Chase to inform them about the fraudulent charges on both of these credit cards. Chase reversed the charges and began an investigation. 

In the last week of XXXX, I received communications from Chase that they had concluded their investigation and I would be responsible for both {$1900.00} charges. I called Chase to discuss this investigation. They informed me that they had received an invoice that was sufficient for them to determine that I had received the services. I then called the merchant on the invoice and talked to him. He stated that he had previously closed his XXXX account because of fraudulent transactions by scammers. But he could not provide me with documentation. 

On XX/XX/, I called Chase again and was connected with their Fraud Recovery Team. I spoke to a XXXX XXXX who again stated that their investigation found that I was responsible for those charges based on the invoices and proprietary information that he could not disclosed. 

I told XXXX that the company was based in Georgia, and I'm based in XXXX, NY. The company provides power washing services which I would not need since I rent. I told him why would I charge identical amounts on the same day on two different credit cards for the same services. He stated I could have rental properties and that they are multiple reason someone would do that. I stated why isn't my physical address on the invoices or where the services was rendered. I asked him why aren't there any state taxes being charged to me on these invoices. He stated he isn't a tax expert. I told him there is so much wrong with these invoices that they couldn't possibly think these weren't part of the scam. I asked him if my credit card numbers were on these invoices? They were not. There is nothing on the invoices to link my respective credit cards to them. Only my email address and my name, which can be gleamed from my email address is found on the invoice. 

XXXX stated he would send this for additional review. I am not confident given their secrecy, limited contact, and poor logical reasoning that I will not be forced to pay {$3900.00} for these fraudulent charges.
Consumer complaint received 2023-08-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (HI)

I had approximately XXXX in my account and charged {$75.00} at XXXX on my debit card linked to my personal checking account. Also XXXX, the lender that sometimes is helpful when purchasing larger items like cell phones, charged me {$99.00} bi-weekly rather than the expected monthly billing cycle- so this caused me to nearly overdraft my account- but on XX/XX/XXXX I had over {$100.00} in my account. However, I was charged three overdrafts for {$36.00} which led to me being negative {$4.00}. The next day an unexpected XXXX purchase ( {$140.00} ) - which shipped earlier than expected -came out for {$140.00} and then an additional overdraft fee was charged, in all fairness, possibly the only overdraft fee that could have been considered a fair amount to call for an overdraft fee. **I might have actually overdrafted once for the XXXX XXXX, which was unexpected - however, because my bank charged me three overdraft fees on XX/XX/XXXX when I would not have been overdrawn at all this/it caused me to get four total overdraft fees. 
Additionally, I was attempting to have {$1000.00} wired to my checking account that day from my XXXX XXXX investment account, and I was told by Truist Bank 's representative, who was offshore in XXXX, on the phone that it was an multiple day waiting period/international wire - no matter how many times I explained to her that I was wiring it from XXXX XXXX XXXX  in XXXX XXXX to Truist Bank in XXXX - and this caused an additional days delay or there would have been no overdrafts. 
For several years, there has been an element of international intrigue involved in these extraordinary renditions wielded upon me by my bank.
Consumer complaint received 2023-08-08
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. (UT)

accordance with the Fair Credit Reporting act XXXX 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
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX To whom it may concern, I was informed by XXXX on XX/XX/XXXX XXXX acct number XXXX with XXXX XXXX  XXXX was deleted from my credit report. 
I have now realized this same item was Reinserted onto my credit report! 
In accordance with the requirements of the FCRA SECTION 611 ( 15 U.S.CS1681i ) ( 5 ) ( B ) ( ii ) ( A ) ( B ) Requirements Relating To Reinsertion Of Previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is Reinserted in the file, the consumer reporting agency shall notify the consumer of the Reinsertion in writing not later than 5 business days after the Reinsertion or, if authorized by the consumer for that purpose, by any means available to the agency I have received no such Notification, this is a serious violation of the of the FCRA and I now reserve the right to pursue legal action for this clear violation of the FCRA!

I demand that you immediately Delete this account from my credit report to avoid legal action, I
Consumer complaint received 2020-07-22
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

I got a title loan from Loan Mart I had to XXXX my title to them they supplied a prepaid XXXX I went to XXXX and sent the title they released the code so I can receive my funds after they had the receipt for the XXXX package being mailed they released the code so I can receive my funds after they had the receipt for the XXXX package being mailed I have receipts for mailing a XXXX  package and a receipt for when I picked up the funds that was on the XXXX they've been charging me Interest since the XXXX that's twelve days at almost {$20.00} a day I sent them copies of receipts and they told me the funds are released on the XXXX that is not true I can send you a copy of the receipt if you would like them my name is XXXX XXXX you can reach me at XXXX or at XXXX XXXX at XXXX I've also contacted them probably six times they have never returned any of my calls they told me they take care of the problem and let me know I talked to an agent when I paid my bill he told me that their Quality Control Department denied my claim because the money was released on the 11th which is a lie I have proof all I have is a receipt and the date I got the funds I don't know what else I can do I'm on XXXX I live on {$1100.00} a month and they want me to pay them an extra XXXX plus dollars and if they do this to every customer most of them won't do what I'm doing and try to get the money back they're just happy they got their funds the embezzling probably Millions from people the rude disrespectful
Consumer complaint received 2020-07-22
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am writing to this complaint against CAPITAL ONE to inform you that I am a victim of identity theft. I recently learned that someone used my personal information to request to open an account with their company. I did not authorize those inquiries, and therefore I request that these fraudulent deletions be removed. I also request that your company absolve me of any charges attributed to such a request or that it is the result of this credit request, and that you take all necessary steps to remove from my credit records information related to this unauthorized inquiry by me. 

I am attaching a copy of a Police Report where my position is based, and a copy of my credit report that contains the fraudulent items related to your company resulting from the theft of my identity. In addition, I am attaching a copy of the FTC 's Notice to Information Providers detailing the obligations that must be observed by your company as a provider  of information to credit reporting companies ( CRAs ). As an information provider, upon receiving a written request from a consumer attaching an Identity Theft Report, your company must stop providing the information resulting from identity theft to any credit reporting company ( XXXX ). 

Under the Fair Credit Reporting Act, must be removed. 
CAPITAL ONE DATE XXXX CAPITAL ONE DATE : XXXX CAPITAL ONE DATE : XXXX This notice also specifies the obligations set forth in Section 605B of the Fair Credit Reporting Act that your company must comply with when you receive a notice from a credit reporting company ( CRA ) stating that the information you provided to the credit reporting company Credit reports can be the result of identity theft. Such obligations include ceasing to supply inaccurate information to any credit reporting company ( CRA ) and taking the necessary steps to prevent the sale or transfer of fraudulent debts to a third party for collection.
Consumer complaint received 2020-06-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (CA)

Freedom Mortgage LN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX VA XXXX A full package was emailed to Freedom Mortgage on XX/XX/XXXX. This included Freedom Mortgages proprietary RMA and Unemployment Affidavit, as well as the XXXX. 

OnXX/XX/XXXX freedom Mortgage asked for the Unemployment and XXXX again. 

On XX/XX/XXXX Freedom Mortgage asked for evidence of self-employment income for the last 6 months even though the Unemployment Affidavit WE SENT THEM TWICE states the homeowner HAS NOT BEEN EMPLOYED SINCE XX/XX/XXXX. 

Freedom Mortgage is fallaciously requesting extraneous records in an attempt to stall decisioning this short sale. They are doing this in an attempt to extort servicing fees out of the investor. THIS IS FRAUD AND IT NEEDS TO STOP NOW. 

Freedom Mortgage already has a complete short sale package and I want the short sale moved forward appropriately without further delay.
Consumer complaint received 2020-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.
Consumer complaint received 2023-08-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

On Friday, XX/XX/28 I deposited a {$3200.00} treasury check via mobile deposit to my Capital One Checking account. Ive had this account for some time and make regular mobile deposits of my paper pay checks. This check was in my name deposited to my account. I also verified it on treasury.gov. 

A few hours later, Capital One locked my entire balance in both checking and savings. I called capital one and was told I needed to verify my identity and the reason for the check. I sent in all information they requested and was told an investigation would take 60-90 days and I wouldnt have access to my money until it was complete. Also that capital one would be ending banking relations. 

Today, XXXX I called again for an update and was told they check has cleared but I needed to send in a reason for the check as they couldnt verify it. I went on treasury.gov again and the check verified and was marked as paid. Capital one told me I would need proof of that from the treasury ( impossible ) and that I would need to provide that to the investigator before they could complete their investigation. 

I still have no access to my money.
Consumer complaint received 2023-08-03
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. (NV)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-08
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The letters are stated with items and issues. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-04
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

I took a vacation to a XXXX XXXX in XX/XX/2023 but did not get a hard copy receipt ; they told me the amount and said they would email it to me. When I finally received my bill on my Bank of America VISA is was over {$500.00} more than I was told by XXXX. I immediately contacted BOA to dispute this amount. I was unable to get a hold of this motel when I made reservations and again when I contacted them again about my bill. In my dispute I asked BOA to get me a copy of the bill. I gave BOA a copy of what I had paid initially ( {$2000.00} for my complete stay on XX/XX/2023 ). When I received a partial bill summary from BOA it showed that I had actually overpaid {$730.00}, being charged twice on one full day and twice for parking on the one day ( my car never left the garage ). BOA still declined my request writing : " You were unable to provide us with a copy of the original sales slip or other documentation indicating that the merchant charged the incorrect amount. '' BOA was EXTREMNELY difficult to deal with, transferring me up to 5 times to find the correct person to provide any help.
Consumer complaint received 2023-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have an account at Capital 1 Bank and every month there is some scam transaction that goes thru my account. So there was a XXXX account listed as a transfer account but I didn't have a bankcard with account. I tried to see what atm card belong to this account so I made a Mock transfer of XXXX. Figuring if it was some one account that would get their attention, it wasn't suppose to go thru. But Capital1 in their unremarkable quest for their " Scam '' alerts let a {$99.00}. atm transaction through. Making my account overdrawn. The transaction went back to XXXX without finding out what atm account it belong to. 
So now I'm transferring my account because they have frozen my social security check and made it so I can't pay rent. They did this in retaliation for my leaving. There has been NO explanation on their part. And I want the hold lifted so I can get my funds and put my money were it's safe. 
This is wrong to deny a Social Security recipient of their money.
Consumer complaint received 2023-08-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (SC)

I, XXXX XXXX have applied for mortgage assistance with Select Portfolio Servicing XXXX Inc. on two occasions. Our loan is maturing on XXXX XXXX and we are unable to pay the lump sum in full. A loan modification for the balance was requested. 

My husband and I had been battling severe illnesses since XXXX. XXXX had XXXX for XXXX XXXX and was out of work. After he returned to work XX/XX/XXXX XXXX caused a lack of work and our finances were strained over the next year. 

I had a total XXXX XXXX XXXX in XXXX that became XXXX  and caused injuries to my XXXX, XXXX and cXXXX XXXX. The XXXX injury lead to XXXX XXXXXXXX XXXX. XXXX lost wages during my illness while assisting me. 

Payments were late at times.But during the past three years we still kept the mortgage out of default/foreclosure by putting all we had into keeping our home. 

As of XX/XX/XXXX XXXX and I separated and he moved out of the home. I submitted legal separation documents as well.I have even asked Select Portfolio Servicing for a modification based on the current occupants. I live in the home with my brother who contributes to the household expenses. 

The first decision was that we were current on the loan so the modification was denied. However the maturity date still needed to be addressed. The second response from the relationship manager was that we were denied because of a delinquency. I was told that there are no retention options. This servicing company and investor seem to be determined to foreclose on my only home because it is worth much more than what is owed on it. They have not shown any interest in assisting homeowners. 

I have the ability to keep up with a modification and have sent proof of my income as well as my brothers signed contributions statement. 

If there is any assistance you can render to help me save my home from what seems to be a predatory lender would be greatly appreciated. 

Thank you, XXXX XXXX
Consumer complaint received 2023-08-06
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital1 pottery barn rewards card. 
So company will always send a statement notification if I owe them money. ( I am set up for email notifications but there is not an option for any notification related to rewards. ) The company did not send any notification when rewards were going to expire so essentially taking my money/value without a proper ( or any ) notification. 
Had I known that {$660.00} would reduce to {$0.00} I absolutely would have made use of the rewards. 
I can only imagine this practice has resulted in $ millions of dollars taken from consumers. 

The agent on the line didnt have easy access to see past history to show activity. My experience is that cap1 sends you to pottery barn and pottery barn sends you to cap1 and round and round. The agent also said she didnt have an escalation process. 

I have the statement that shows the rewards. ( Can provide if needed ) Also the statement doesnt clearly show that the reward is expiring-you have to go to small print to get link to go to another site. 

Spoke to XXXX-nothing they can do. She ran past lead XX/XX/2023 XXXX
Consumer complaint received 2023-08-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Dear CFPB! 
My bank closed my checking account and promised to send checks back to me in XXXX. The amount is XXXX . But I havent received it after three months. Every time I tried to reach out to the bank, the representative told me there was no update. 
This is very frustrating and confusing. Please look into my case and help me!
Consumer complaint received 2023-09-27
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: Experian Information Solutions Inc. (DC)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$390000.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX Balance : {$17.00}