davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I deposited a check from my XXXX XXXX account to my Chase savings. I did it this way because it exceeded the daily limit for electronic transfers and I thought this would be faster. Chase shows the deposit as of XX/XX/XXXX. They placed a hold until XX/XX/XXXX. The check cleared XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX, the hold was extended until XXXX. None of the funds were made available at any point. My initial email was ignored. I emailed again on XX/XX/XXXX. The response I received was that they had indication that the check would not clear. I provided a copy of the cleared check and asked for more information at which point I was directed to their loss prevention department. After over an hour and 15 minutes of being on hold and the first person being unable to answer my questions, I was told that because they could not verify it had cleared with XXXX XXXX, they extended the hold. There was no indication. This was a local check.
Consumer complaint received 2021-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AL)

I PULLED MY REPORTS ALL 3 I NOTICED BANKRUPTCIES IS REPORTING ON XXXX ONLY. I SENT IN ALL SUPPORTING DOCUMENTS, MY XXXX REPORT IS NOT REPORTING ANY BANKRUPTCIES AT ALL, XXXX STATED THAT THEY ARE, THAT IS INACCURACY INFORMATION, I ASK THEM TO REMOVE MY BANKRUPTCIES immediately immediately. THE FAIR CREDIT REPORTING ACT MENTIONS NOTHING IN SECTION 1681C RELATING TO BANKRUPTCY ABOUT DISMISSAL OR FILING.THE LAW CLEARY STATES FROM DATE OF ADJUDICATION OR DATE OF ORDER FOR RELIEF ANY CASE CIVIL OR OTHERWISE WHICH IS DISMISSED NO LONGER EXISTS IN THE EYES OF THE LAW, AND A CASE FILED MAY NEVER HAVE ACTUALLY BEEN ADJUDICATED.
Consumer complaint received 2020-04-25
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. (FL)

I filed a dispute XX/XX/2020 with Equifax and XXXX  about incorrect data being reported. I also mailed the Collection Agency ( XXXX ) a request for validation of this account XXXX  promptly and correctly investigated and deleted the incorrect account. ( XXXX had a different address on my XXXX  report ) Equifax " updated '' the incorrect data but did not properly investigate or delete. I sent a letter to the reporting Collection Agency ( XXXX ) at the address shown on my Equifax report of XX/XX/2020 and the letter was returned undeliverable.The notice from Equifax that my dispute was denied included a DIFFERENT address for XXXX. How could they properly investigate an account when their own reports prevented me from submitting my dispute to XXXX?? I have available copies of the letter I tried to send to XXXX and a copy of the returned undeliverable envelope.
Consumer complaint received 2019-12-07
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: First Data Corporation (CO)

On Monday XX/XX/2019 I received two Email Notifications, Telling me that I had made two Purchases From a city And State that were hundreds of miles away from where I actually live. From a supermarket in this city for the amount of XXXX and then again for XXXX. I proceeded to call the customer service number on the back of my card to make a dispute and try and figure out what was going on. They told me that they had deactivated my card and that I would be getting a new one in the mail within 7 to 10 business days. And that they would send me a dispute letter that I must fill out and send back within 10 days in order to be eligible for a temporary credit of the amount disputed. It has now been 5 days since I called and still no dispute letter for me to fill out and send back. And they say if they dont receive it within 10 days from the date in which I called to make the dispute. That it would take any where from 45 to 90  days to have any chance of getting my dispute resolved. Later that day on XX/XX/2019 I received an additional notification from money network saying that I had purchased {$13.00} worth of fuel, still from the same city XXXX XXXX. I called them again for a second time asking why Im still being charged for items in this city and state, when I had made a clear dispute hours earlier. And they had told me that they had canceled my current card from which the money was being spent from. They told me that the purchases were pending and that they hadnt gone through until then. And that there were two total charges for fuel from a XXXX in XXXX XXXX. One for the {$13.00} which I received a notification for and another for {$15.00} in which I did not receive a notification for. So then I opened an additional dispute for another two charges on my card. Told me the same thing about the dispute letter and them having to receive it within 10 days for them to do anything about it. Or else it would take them 45 to 90 days to even take a look into it.
Consumer complaint received 2019-02-01
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: AMERICAN EXPRESS COMPANY (VA)

I entered into a contract with XXXX ( web development company ) and funded a contract with the amount of {$5400.00}. Due to outside circumstances ( delays, poor performance ) we canceled the contract on XXXX. This was consulted by XXXX dispute team and American Express. The balance of the contract was {$2700.00} which we tried to recover on XXXX and via American Express dispute. After multiple attempts XXXX  advised moving to arbitration ( AAA ) with an additional fee of {$290.00} and after a call to American Express on XX/XX/2018, by the customer rep on a recorded call they said not to pay the arbitration cost and American Express will handle the dispute. On XX/XX/2018, I was notified that we lost the dispute citing that the other party on XXXX paid for their portion of the arbitration. The funds in total were distributed to the other party due to the American Express rep. American Express needs to consult the XX/XX/2018 call recording with XXXX where he states that we should not pay the {$290.00} arbitration fee. We seek American Express to credit our account in the amount of {$2700.00} as it was under their advice on a recorded call from XX/XX/2018, that we did not enter into arbitration thereby losing the money we had in our escrow account. This is evidenced by the recorded call and the letter attached from American Express dated XX/XX/2018. We have now opened three disputes with American Express. American Express acknowledged on a recorded call I am in possession of that the call from XX/XX/XXXX exists and to seek 3rd party legal help. Please see attached documents for timeline and resolution from American Express that we dispute. From the previous dispute, American Express acknowledges that they " found we could have more clearly explained how the dispute process works. We apologize for any misunderstanding you may have experienced as a result of this matter I am glad this is a {$2700.00} teachable moment for American Express. If this is such a misunderstanding why will they not release the call to the CFPB and or myself as stated here, " Phone call recordings and/or transcripts, if available, are business records of American Express that can only be provided in response to a lawfully issued subpoena. " American Express knows that they offered the wrong advise even when point blank asking if we should pay the arbitration fee, they then said no on several calls not just the XX/XX/XXXX call. I have been a customer for 14 years, you lost me and everyone I know now. 

American Express references a call constantly as per the two previous complaints yet fails to realize and understand the call in which we spoke to a supervisor was after the cut off date for arbitration which is even shown in the documentation sent from XXXX to American Express for their dispute records.
Consumer complaint received 2021-10-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2021-08-25
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: ALLY FINANCIAL INC. (TX)

A complaint was filed on XXXX  under for not updating my credit report to show Ally is paid in full. Their response back the you ( CFPB ) that the account was updated. A complaint was filed on Ally with you ( CFPB ) for not posting my payoff check to my account to reflect a {$0.00} balance since XX/XX/2021 and also failure to report the closed account to all 3 credit bureaus. Ally finally updated the account to {$0.00} balance recently but did not report my account is paid in full to XXXX. The account is still open showing a balance of {$22000.00} and is being counted as part of the debt ratio, credit and/or from receiving a low interest rate. Although have a letter stating the account is closed, this is not acceptable with some banks when trying to obtain a credit. Per XXXX, the account has to show {$0.00} balance on the credit report. Ive asked numerous of times for this problem to be resolved with XXXX  and with Ally. XXXX will not allow me to file another dispute or call in to file a dispute regarding Ally. Ive provided the complaint # s that was filed with you ( CFPB ) to show their response back stating the issue is resolved ( which is incorrect ). 
Here are the complaint # s : # XXXX, # XXXX & # XXXX
Consumer complaint received 2019-02-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NH)

in XX/XX/XXXX my federal direct loans were being serviced by XXXX. In order to enroll in Public Service Loan Forgiveness I was directed by XXXX to consolidate which I did. I'm not being told by XXXX that they were in the wrong type of consolidation account ( I wasn't given a choice on type of account ) and instead of my PSLF qualifying payments beginning to count toward the required 120 payments for forgiveness in XX/XX/XXXX when I began working for a non-profit full time, I'm being told my qualifying payments didn't start until XX/XX/XXXX.
Consumer complaint received 2019-02-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp. (WA)

At the end of XXXX, XXXX processed the sale of 2 tickets to a music concert. The person who attempted to sell them, my daughter who is a minor, did not have the authority to do so. 

I immediately contacted XXXX, who reversed the XXXX transfer ( I will attach copies of this transaction ), shut down the account, and informed me that all charges were waived. 

Recently I received a message from a debt collector, True Accord, attempting to collect this money that was waved in XXXX by a XXXX employee. so disputed this, which they then rejected. 

Today I contacted XXXX about this. They admit to having a copy of the phone conversation in which these charges were waived. My request for them to review this phone call was denied. I then asked to have a copy of the phone call myself, which they then declined. 

So, this company has proof that I dont owe them money, wont review it, and also wont share it with me, the person being recorded. I asked to speak with someone higher up, and was denied. I asked to speak to their fraud department, which was also denied. What am I supposed to do here?
Consumer complaint received 2021-10-08
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: JPMORGAN CHASE & CO. (NV)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The information you provided is different from other bureaus. This account is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Also, please reinvestigate the whole information especially the account type, account status, payment status, comments, and payment history. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Consumer complaint received 2019-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX is continuing to stick by the lie that they attempted to notify me about my deferment and forbearance periods ending. 
They never did, until my loan was almost in default. Then of course I responded immediately, as I would have if they actually would have attempted to contact me in any way, shape, or form. I believe they deliberately denied me information and avoided contacting me as long as possible to maximize the amount of interest on my loans.I had the same loans previously with XXXX XXXX, XXXX, SC XXXX XXXX XXXX, and XXXX XXXX  XXXX XXXX and never once had a problem with a late payment or communication issue. It is only when my loan was transferred to XXXX that I began to have problems. Not a single phone call, automated or not, to me until I was almost 180 days past due, when I know I should have been in forbearance or had a XXXX payment due to my income based repayment plan. Seriously if XXXX the only option available to you, it is best to flip burgers. You'll likely come out ahead in the end, read any other complaint listed here or just search for news articles about them on the internet. They are not difficult to find.
Consumer complaint received 2020-10-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NY)

I had chase bank account from this year XXXX till middle of XXXX they closed my account without inform after they close my account they sent me letter ( after few weeks ) They gon na close my account soon because Im unable to provide some details to about my account but from that time frame I didnt receive any email or mail from them regarding close my account until they closed it at that time I had over XXXX $ on my account from beginning XXXX till today ( XX/XX/2020 ) Ita has been under investigation I called to them at yesterday asking about their process till yesterday they didnt investigate or do nothing till I called them still they hold my money with there hand I called them around XXXX XXXX ask they need help from me but they didnt asked anything They wasting my time and holding my money without do nothing Then I went chase bank store and asked why I cant get my money or what do you need any documents or details from me still they dont know how to handle that issue because I called 4-5 time via a chase customer service different person said different thing no one knows what to do Then I was argued and I asked why you hold it before they said I have issue with my unemployment benefits and I figured its not I issue at all then at yesterday they said my account has 3rd party members then I asked who thats is then they said name of that person I told to them I know him he is one of my friends son This is very small issue because he was try to deposit some money on my account because I was helping his dad That was issued but chase bnk lawyers said its unemployment issue then I called to unemployment department they said they dont have any issues with your account or you getting benefits from our department I told this thing to them they did not get any action to it I want go lawsuit against them because why they waited long time without do nothing and they proved nonsense issues they didnt investigate correctly I got harmed because that period I had link this chase bank account I had to pay overdraft to most credit card bill And while they closed accounts they closed it without futher notice And they cant solve this matter until I figure it out I need to go higher lawsuits against them because this is frustrating and 100 % their failure
Consumer complaint received 2022-03-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NC)

Hello : I am writing to file an official complaint against the financial institution-Wells Fargo . I was visiting Connecticut in XXXX for the holidays. 

On XX/XX/XXXX, I went to the Wells Fargo branch located at XXXX XXXX XXXX, XXXX, Connecticut to make a deposit at their ATM. I went to make this deposit around XXXX. 

I entered my pin number and followed the steps to make a deposit. I entered that I wanted to make a {$200.00} deposit in my savings account. 

The ATM machine took my money and did not give me a receipt neither did it give me back my money. I called the local branch on XX/XX/XXXX to explain to them what happened. 

I was advised to call their ATM Claims Department at XXXX and file a claim. I filed the claim on XX/XX/XXXX and I was told they would research it and the representative provided me a claim number of XXXX XXXX XXXX XXXX. 

There was no written communication from the time I fled my complaint until their first letter dated XX/XX/XXXX. 

I received my first written communication from Wells Fargo ATM Department dated XX/XX/XXXX stating that they have provisionally credited my account for {$200.00}. 

I have reached out to them prior to that to inquire why its taking so long to find the error. They stated that they are researching my claim and will let me know. 

I advised the representative that I spoke with at that time that if they tell me they didnt see where their ATM machine is over {$200.00} and I have to take this loss that I am not going to be a happy customer. 

I received another letter from Wells Fargo ATM Claims Department dated XX/XX/XXXX stating that they are still researching my claim. 

The letter stated that they are researching my inquiry for {$100.00} but that was an error because my claim was for {$200.00}. 

I received a final communication dated XX/XX/XXXX stating that the temporary provisional credit of {$200.00} will be deducted. 

I called Wells Fargo ATM Department on XX/XX/XXXX to express my dissatisfaction with their research results. 

On XX/XX/XXXX, they took the {$200.00} out of my savings account. 

Here is my complaint against Wells Fargo Bank : It took them two months to do research for my claim and to only find out that they did not supposedly find the mistake on their ATMs part. 

After doing their alleged research, I am at a financial loss of {$200.00} because of THEIR equipment. I have been a customer of this bank for over 30 years now. I am highly upset because they will not take responsibility for the malfunctioning of their equipment. 

I am also complaining that they dont have cameras to show where I came inside the branch to make a deposit and that a receipt was not generated and that the ATM did not return my {$200.00}. 


Please forward this complaint to the appropriate department/unit if this isnt the correct email where to send this complaint. 

I have also attached a copy of the written communications that I received from Wells Fargo. 

Thank you!!
Consumer complaint received 2021-09-18
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Exeter Finance, LLC. (TN)

To whom it may concern, I did a credit application at XXXX dealership and Exeter finance Corp accepted my application & was advertising a down payment is a Violation of Title 15 U.S Code 1662. Violating this code is a Violation of the Truth In Lending Act.

15 U.S. Code 1662. Advertising of downpayments and installments No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 1 ) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount. 
( 2 ) that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount. 

EXETER FINANCE CORPORATION Is also asking for a down payment which would be a violation of Title 15 U.S. Code 1605 Violating this code is a Violation of the Truth In Lending Act 15 U.S. Code 1605 - Determination of finance charge Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the SUM OF ALL CHARGES, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge DOES NOT include charges of a type payable in a comparable CASH transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges.
Consumer complaint received 2021-10-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (PA)

There are two incidents and discriminatory actions via CITBANK CARDS XXXX XXXX XXXX XXXX XXXX, S.D. XXXX 1. Citibank intentionally tried to manipulate my credit by lowering my agreed upon credit limit, when payments were made on time, and no derogatory account status, on any of my credit report was researched.

Citibank was called and upon arguing repeatedly with 2 CUSTOMER SERVICE CENTERS REPRESENTATIVE OF NY 2 CITIBANK CARDS, MY LIMITS WERE RESTORED TO THE AGREE UPON AMOUNTS HOWEVER, 1 MONTH LATER Citibank closed my credit cards, ( 2 ) which both had balances and available credit on them, both of which have been paid as agreed, for alleging foul language at a customer service representative while Citibank was discriminating against me and violating federal and state law by trying to intentionally manipulate my credit and credit history.

This is unacceptable. CITIBANK CARDS I.E. CITIBANK CORP AND OR. BUT NIT LIMITED.TO CITIBANK OFFILIATES AND THIRD PARTIES HAVE VIOLATED MY RIGHTS AS A CONSUMER, AND FEDERAL AND STATE FAIR CREDIT PRACTICES ACTS, TRUTH IN LENDING BY MANIPULATION, AND MISLEADING ME TO BELIEVE MY LINE OF CREDIT WAS AS SUCH .... 

ACTION : CITIBANK MUST IMMEDIATELY RESTORE MY ACCOUNTS TO OPEN STATUS OR FACE LEGAL ACTION...