davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (AZ)

This is not the first time Chase has lowered my credit line after paying off my entire balance. Its odd that we have been customers for almost a decade, pay our bills on time, and are rewarded by our credit line being lowered when we make large payments. I want my credit line restored to where it was, or we will have to permanently part ways with chase. This is not fair or ethical to do this without contacting the customer when they have a credit line they expect to have access to ... .no warning. 

Why is Chase consistently punishing loyal customers who have CONSISTENTLY paid their bills and put money in the company 's pockets? If they can't scam you out of interest rates and fees, they lower your credit line until they push you away from being a customer?? It's an off the wall business practice and I would like for Chase to take some accountability .... please do the right thing. If there was an issue or concern, why not reach out to the customer first??
Consumer complaint received 2019-08-21
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (KY)

I received a cashiers check for a car sale for {$17000.00}. The buyers came out from Missouri with a cashier check from XXXX XXXX. Addressed to myself and the Vin #  of the car in the memo. 
I am a XXXX member with Chase Bank, so I trust them with my money. 
I deposited the cashiers check on XX/XX/XXXX at my local Chase Bank in XXXX, Kentucky. No questions were asked from the teller. I did inform her I just sold my car and she informed me the funds would be available soon. 
On XX/XX/XXXX I happened to check my bank statement online to see the {$17000.00} refunded. I called Chase immediately and all they told me that it had been refunded.

I drove to the chase bank I had made the physical deposit and spoke to their acting manager. She was able to pull up the check and told me someone higher up in Chase deemed the check altered. I informed her this was for selling my car and that I no longer had the car in my possession. I also informed her that the buyer stated his loan account was not active and that is why the cashier check did not go through. I was already under stress with thinking I was just scammed but the acting manager reassured me things were likely fine and that his bank would sort it out. 

XX/XX/XXXX I ended up calling the bank on the cashier check myself and gave them the check #. Their teller informed me that the check was a fraudulent check and was not one of theirs. 

I was furious. I was just scammed out of {$17000.00} and lost my car. I immediately filed a police report and went to another Chase bank and spoke to their manager who immediately saw what the check was missing. He admitted that the teller should have caught this mistake. 
I am baffled as to why Chase did not call this other bank to verify the funds when I was depositing that day? I have not been able to sleep or do anything but worry. I have been doing my own investigation on the case, and feel if Chase would have caught this back on XX/XX/XXXX I would have been able to start looking for my car sooner.
Consumer complaint received 2022-03-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings (NM)

We called IQ data international about a report on XXXX XXXX credit. The court documents we have regarding the debt owed did not match what the collector was saying, call got disconnected before we could agree to a settlement amount. upon further consideration we wanted to confirm the amounts were accurate before paying almost 5k and the collector then became irate, would not let us finish, refused to send us any type of validation for debt, said we could just negatively let it hit our credit, after mutliple conversations with my wife they then told her they wouldn't speak to her because it " wasnt her debt '' and screamed at the phone that they " renig '' theyre offer and to have XXXX call. We made attempts to validate this debt and they refused. The minute we questioned the validity of this debt and wanted proof in writing they because absolutely Irate. my wife never gave them permission to call her cell today XXXX and they did for the debt but then when she had a question they refused to talk to her.
Consumer complaint received 2021-09-02
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. (CA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-03-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: SYNCHRONY FINANCIAL (CA)

I used PayPal credit to try to send {$5000.00} to a friend. The friend received the notification that PayPal would not release the funds, which defeats the purpose of me sending the money. PayPal refuses to return the funds to me and is charging me interest for the credit transaction, which seems fraudulent. They have also restricted my account and will not let me log in. I spent nearly two hours with multiple representatives in their Disputes and Claims and Limitations departments to no avail. This experience has caused extreme duress and health issues.
Consumer complaint received 2024-11-26
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. (CO)

A charge of {$1200.00} was made to my Costco CitiCard on XX/XX/year> for a transaction with XXXX XXXX. 

I have never used this card for any charge whatsoever, including this charge. 
I submitted a complaint to CitiBank. They provide me with a phone number to contact XXXX XXXX. The number is no longer in service. I can not locate another means to contact XXXX ( either phone or e-mail ). 

CitiBank has determined that I have provided insufficient information to resolve my complaint, and the charge will remain open and accrue interest.. 

Since I did not make the alleged transaction and can not contact XXXX, I have no way to clear this charge from my account. 
I have requested a new card with a different account number from Citi.
Consumer complaint received 2019-08-21
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: DISCOVER BANK (VA)

I have been dealing with an ongoing issue with Discover card for two (2) years. I called customer service again today and spoke with XXXX  who advised that I had to contact the merchant to continue the process. I shared that I did not get the service nor amenities that were promised. The resort was extremely dirty and bug infested, my daughter suffered an awful XXXX XXXX and had to receive medical treatment. The resort did not have the number of resturants as advertised on their website. Discover has failed to properly investigate my claims.
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I have already sent a request for the immediate removal of the accounts this XX/XX/XXXX but the accounts listed below are still reporting on my credit report and are violating the Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues on reporting unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$770.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4600.00} XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$470.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1100.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2400.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00}
Consumer complaint received 2022-03-08
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. (MO)

I have been reaching out to Equifax, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Equifax and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} US DEPT ED XXXX XXXX : {XXXX XXXX XXXX XXXX XXXX XXXX : XXXX US DEPT ED XXXX XXXX : {$2400.00} XXXX  XXXX Balance : {XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-03-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp (VA)

LendingClub was contact on XX/XX/2022 to delay two payments from two different accounts. After speaking with an agent the delay of payments had been completed and both payments were not due to be withdrawn from my bank account until XX/XX/2022. 
XX/XX/2022 account # XXXX a ACH transaction cleared my bank account, which this should not have occurred until XX/XX/2022. 

XX/XX/2022 I contact LendingClub thru Chat and was advised that the system was documented showing the payments had been delayed. The payment from one of the accounts should not have been withdrawn from the bank account. Refund was requested. I requested the ACH funds to be placed back into my bank account within 48 hours due to LendingClub error. 
XX/XX/2022 Chatted with a agent and was told it takes up to 3 days before a member of the leadership team would contact me which I was not told that on XX/XX/XXXX. Would not provide a name or number that I could call to get this matter resolved. I had to wait until LendingClub contact me. 
XX/XX/2022 Called and spoke with agent and was told and I quote : " Fund will be credit to the my bank account Monday or no later then Tuesday of XX/XX/2022 any NSF that may occurred will be covered by them since it was a error on their part. '' end of quote. 
XX/XX/2022 Check bank account status - No pending transactions Chat conversation with original person I spoke with on XX/XX/XXXX, now ask me to allow up to 7 days for transaction to be completed which is unacceptable due to Lending Club is set to ACH the exact same account on XX/XX/XXXX, yet they have not refund the money to my bank account. She understand my frustration? 
This matter has not been handle fairly, accurate even but they did admit the mistake. Now you have to wait due to our procedures. 
The agents offer there apology but that is all there is nothing else they can do. So when LendingClub makes a mistake the consumer is made to stuffer and we just have to wait until they fix it? Okay I waited and now when it still not done let 's add some days to it? I am very unhappy and which for you to investigate this matter
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: EQUIFAX, INC. (CA)

I have placed a permanent credit card offers optout on all three credit agencies on XXXX on XXXX with refence numbers XXXX and XXXX, however on XXXX I was mailed a credit card offer with promotion checks from XXXX XXXX XXXX XXXX credit card ending in XXXX. Please look into what credit agency or if the credit card company is responsible for this error and correct with the appropriate agency to make sure I will receive no such offers in the future. Furthermore, as of XXXX I have permanently opted out once more, via phone and mail with confirmation number XXXX. Please make sure this does not happen again.
Consumer complaint received 2019-07-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (MO)

After completing my course and paying on my loan for 13 years they refused to release my cosigner. The school I attended at the time has gone out of business so I was unable to get a copy of my completion certificate. I lost my original and tried to get another only to discover the school had gone out of business. I have been paying on this loan for 13 yrs, what difference does if make if I completed the course? Whether I completed it or not, I am still obligated to repay the loan. Not having a certificate saying I completed the course does not justify not releasing a cosigner after 13 yrs of payments. I just found out one of the Navient law suits is about cosigner releases.
Consumer complaint received 2022-03-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (NY)

Good afternoon, On XX/XX/2021, I wired {$9900.00} from my Chase bank account to XXXX XXXX in XXXX XXXX XXXX. While doing the transaction I had an option of sending the money in XXXX dollars or XXXX XXXX. I chose to send in Jamaican dollars because it was XXXX {XXXX compare to XXXX {XXXX. Date of available funds to recipient was XX/XX/2021. On XX/XX/2021 when XXXX XXXX attempted to collect the funds was told by recipient bank XXXX that there was no funds. I reached out to chase who later told me that I had to do a recall on the transaction and was later told that Benificiary account was a XXXX account and could not collect the funds because it was sent in Jamaican dollars. There was a wire reversal of {$XXXX} twice on XX/XX/2021 to my account. A {$XXXX} transaction fee was charge from the {$XXXX} thus reflecting the {$XXXX}. I called Chase to let them know that I was credited twice and that I was charged a {$XXXX} fee. I was told that they will debit the second reversal from my account. I sent a second wire transfer on XX/XX/2021 in the amount of {$9900.00} and a fee of {$XXXX} to XXXX XXXX to his XXXX account. Funds was expected to be available on XX/XX/2021. On XX/XX/2021 when XXXX attempted to collect the funds he was told there is no funds. Again I reached out to Chase who advised me that transaction was completed and should do a recall so they can investigate. I did the recall as instructed. On XX/XX/2021 XXXX XXXX was told by XXXX that the funds were there but there is hold on the funds because of the recall and I needed to cancel the recall so it could be available to him. I send multiple messages through secure message from my account to cancel the recall and Chase has received and acknowledged the messages but refused to respond or release the money. I went into a chase branch and has the manager submit complaints on my behalf and still not able to resolve this issue. Chase have told the bank manager at the chase branch that I already received credit which is not the case. They fail to see and understand that it was 2 separate transaction, even though the bank records are there to prove it.
Consumer complaint received 2022-03-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP (TX)

I have US Bank XXXX credit card. US Bank sent me an email to open Business checking account ( online ) with promotion ( {$300.00} cash back ). On XXXX XX/XX/2022, I tried opening the account online and it was approved. But I didn't " got any email confirmation about my a/c # and routing #. So i called US Bank twice during last 4 days. Either US Bank customer service is unsure that account opened or asked me to call later. I have no idea what's going on? On XXXX XX/XX/2022 call, I was told that business account can not be opened online.
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

Upon checking my updated report, the accounts listed below are still showing on my credit report. I have already sent out letters to Equifax Bureau for them to verify and investigate those accounts. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX Balance {$0.00} Date Opened : XX/XX/XXXX {$0.00} XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX {$0.00} ( CXXXX XXXX bankruptcy ) XXXX XXXX XXXX Balance {$0.00} Date Opened : XX/XX/XXXX {$0.00} ( XXXX XXXX bankruptcy ) XXXX  XXXX Balance : $ 0Date Opened : XX/XX/XXXX {$0.00} ( XXXX XXXX bankruptcy ) XXXX  XXXX Bankruptcy Status : Discharged XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX {$0.00} ( XXXX  XXXX bankruptcy )
Consumer complaint received 2022-03-08
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. (NY)

There's no such thing as a late payment Because the account was paid in full the moment my credit card was accepted ( 15 USC 1602L ). 
The following account XXXX - XXXX is an authorization of approval of an extension of credit that is deprived from my credit card which is my social security card and has to be removed according to federal law. 
I received a copy of my credit report and I have found the following items listed below to be in error. 
Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
I NEVER gave You, EQUIFAX OR XXXX XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. EQUIFAX has caused severe stress and anxiety due to the abusive and unfair practices.
Consumer complaint received 2022-03-08
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. (GA)

Upon checking my credit I realized some fraudulent charges. So I went to FTC file an identity theft affidavit. I also sent information in to the collections agencies which seem to be ignored. So now Im sending my compliments to cfpb. The following account are XXXX  XXXX XXXX  account number XXXX XXXX  XXXX account number XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXXXXXX XXXX  account number XXXX All of the above listed accounts are fraudulent. Ive never done business with these companies or entered into A written contract with his company. 
please see attached FTC report which will be very clear so please dont say you cant see it as to what you keep sending back generic letters in the mail. please see proof of identification per FTC
Consumer complaint received 2022-02-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

I had to file a Home Owners claim for Hail Damage, the Insurance company as issued a check in the amount of 25,000.00, which I brought to my Branch in XXXX Tx on Tuesday XX/XX/XXXX, the branch told me to bring the check in to be endorsed and deposited, when I arrived at the branch they then told me that I had to mail the check in, I followed all instructions as provided, I was told once check waqs received it would take 3 day to cleared, once erwork was received a portion of the money would be released, check was received on XX/XX/XXXX and cleared XX/XX/XXXX / XXXX ..I have called everyday about this portion of money and when it would be released, every time I call I get a different answer from the wells fargo representative I find this to be a Regulatory violation because the information I have been receiving has been incorrect and FALSE and as of Today XX/XX/XXXX the 1st portion of the Money has yet to be released. 
I have spoken to 3 representatives today ( on Wells Fargo Recorded lines ) alone XXXX XXXX XXXX / XXXX XXXX XXXX and XXXX @ XXXX then a supervisor which all had different info regarding my Money. 
I would like a straight answer why my money is being held up or I will be contacting a Lawyer!
Consumer complaint received 2022-03-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (GA)

I obtained the mortgage from RocketMortgage ( then Quicken Loans ) in XX/XX/XXXX. The escrow portion was used based on historical tax payments -- correct and obvious. In early XXXX, I qualified for a homestead exemption for my county ( XXXX, GA ) which I knew was likely. I also qualified for a senior exemption which I didn't know existed. Those two exemptions reduced my county taxes by nearly $ 3000/year. I notified Rocket then, and I was told that they couldn't make the change in the first year but as soon as they made the first payment at the reduced level, they could make an adjustment. That happened in XXXX of XXXX. Then I was told they would review the change in XX/XX/XXXX and adjust accordingly. 

They just issued a refund of $ 2900+ for XXXX. However, the escrow amount they have proposed has increased rather than decreased. I complained and was told by " XXXX '' -- assuming their online customer service names are even real -- that they had no evidence that the lower rate would stay in place for this year. 

They are either extraordinarily incompetent or are intentionally over charging me. Paying back the money a year later with no interest in unacceptable.