davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NJ)

Chase Bank- Mobile App and Telephone automated services providing incorrect account information on account balances and transactions. <P/>OnXX/XX/XXXX, I made two transaction of {$2000.00} and {$500.00} for a deposit on a new car with my debit card. The transaction posted to account immediately and funds were withdrawal. <P/>XX/XX/XXXX -The two transaction of {$2000.00} and {$500.00} were still posted on my account. <P/>XX/XX/XXXX -The two transaction of {$2000.00} and {$500.00} were still posted on my account. <P/>On morning of XX/XX/XXXX, I check my account and two transaction was no longer posted to my account. There were no pending transaction for {$2000.00} or {$500.00}. My account balance went back up to {$2600.00} +/-. I called the car dealership and they stated they would contact their bank. For safety purposes, I transferred the money XX/XX/XXXX to my other account. <P/>XX/XX/XXXX, I checked my account again and those two transaction were not posted to my account. <P/>XX/XX/XXXX, I checked my account again and those two transaction were not posted to my account. <P/>XX/XX/XXXX, I checked account it is overdrawn! So I went ahead and transferred the money to cover the overdraft. The two transactions that disappeared finally posted 4 business days after the transaction date. <P/>I called the Chase customer service and went through the automated telephone banking. Their automated telephone service stated my account balance was $ 1160.00+/- when on their app stated it had $ -2200.00+/-. I finally got to a customer service representative and I explained to her what had happened. She continue to apologize for the confusion as if I was insane!! <P/>I asked her if those two transactions was posted to my account? Why was I still able to transfer {$2000.00} on XX/XX/XXXX from my check account if the money was not available? Chase online banking will not allow you to transfer funds between two account and overdraw your account. Also how was I able to withdrawal {$60.00} from the ATM on XX/XX/XXXX if my account was negative? Why would chase approve multiple debit transaction when my account is only able to go {$400.00} in the negative before transaction are decline? My account was overdrawn by {$2200.00}! It does n't add up. Their customer service representative would not help me or reverse the overdraft fees! She kept on saying I apologize for the confusion. <P/>Chase Bank is Frauding their customer!!!
Consumer complaint received 2019-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (LA)

XXXX and Nelnet Loan should have been in forbearance as I was in a forbearance with another department of education servicer. The XXXX and Nelnet Loans should have been in Forbearance since XX/XX/2018 in that the other department of education loans were in forbearance. XXXX and Nelnet is reporting 90 day late on credit report but should have been in forbearance. Reference proof of forbearance for other department of education loan. 


ACCORDING TO THE STUDENTAID.GOV QUESTION AND ANSWER SECTION ...

Q. Which of my federal student loans are eligible to go into forbearance or stopped collections status?

A. Initially, if you choose forbearance or stopped collections status, it will affect ALL of your federal student loans that are owned by ED and are being serviced by your federal student loan servicer, including loans that are not eligible for borrower defense loan forgiveness, such as ( 1 ) loans taken out to attend another institution, and ( 2 ) any loans you have for which you are not asserting borrower defense. If you select forbearance and you have commercially held FFEL Program loans, ED will request forbearance on your behalf.
Consumer complaint received 2017-07-04
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

Approximately two months ago I submitted a complaint that Experian of Delaware was continually accepting a credit utilization report from XXXX XXXX. I filed Chapter XXXX Bankruptcy XXXX XXXX 2015. My credit card with XXXX was closed by the BK. Still, Experian continues to report a % 83 utilization of the credit card. That may have been true before my BK, but as I stated previously, the card was closed. Experian investigated the problem, supposedly, and their response was that i was incorrect and the credit card company was correct. How could i have any type of utilization when the card has been closed? After Experian 's response, I tried to contact the company and they have no record of my account. I 'm not proud of my BK, but i am trying to rebuild my credit. However, with Experian still accepting this claim, I have been refused a home loan under the FHA Chapter XXXX policy as well as my credit score falling. From what i have read this is illegal and I can pursue legal proceedings. I feel certain that their investigation was superficial. This has happened with a another credit report agency ( XXXX ) and once i sent proof, instead of correcting the false information, they removed it from my credit report which lowered my credit rating Basically, the consumer is punished if we question these agencies. They all should be investigated as they favor the Banks and not the Consumers- unless, of course, your the President of the United States .
Consumer complaint received 2017-07-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (FL)

I took out student loans over the period of XXXX - XXXX going just XXXX in debt. In an attempt to get on my feet after graduation, I deferred my loans for a period of time. I made intermittent payments and somewhere along the way lost track. I was contacted by debt consolidation company and they said i could enter a repayment program. I did and when i finished that, put back in contact with XXXX XXXX navient and learned that my dept was over 80,000 now. I made attempts to reconcile as fast as possible but experienced delays. I asked for extensions of payments and they told me that the only was through forbearance, which did not always agree to. They fooled me and I believe manipulated my conversations. I did not agree to their terms and now my payments have gone from {$540.00} to more than 800.00. This is not fair and they will not speak to me to make exceptions. the payments keep going up. I get harassing phone calls and this is not comfortable.My balance is now {$83000.00} and there is nothing i know to do but seek legal assistance.
Consumer complaint received 2019-12-28
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: SUNTRUST BANKS, INC. (NJ)

I have made multiple attempts to resolve a fraudulent inquiry made by someone with SunTrust Bank, However, SunTrust Bank has stated they are holding their position that this information is accurate and factually sound. 

Therefore, after receiving information from SunTrust Bank, they failed to provided me Definitive proof outside of the personal information they received from a unknown source which will verify they did not speak directly to me to obtain my private information. 

To simply resolve this situation, it is well known that all calls are recorded for training and verification purposes with SunTrust Bank breaches. I am requesting at this time, date, minutes of call in progress, and Audio of this call to be uploaded to the CFPB platform to be proof and verification and factually sound as stated by SunTrust Bank. 

Please provide this Audio immediately, if you are not able to display this level of proof, it is absolutely clear SunTrust Bank can not hold a position of this fraudulent inquiry being factually sound.
Consumer complaint received 2017-07-04
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FirstPoint Collection Resources (NC)

This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$1600.00} on my XXXX credit reporting agencie. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt which is in violation of FCRA and HIPPA " NO CONTRACT WITH ALLEGED DEBT ''
Consumer complaint received 2017-07-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

This bank is run by a bunch of XXXX. I opened this account back in XX/XX/XXXXand was supposed to receive an account opening bonus. I met all the requirements for that bonus way back and this lousy bank has not credited me that bonus. Every time I call these lying XXXX, they blame the previous agent for not doing the job properly and tell me some more lies that they have done it right and my issue will be resolved within a certain amount of days. Of course nothing happens and I call back and the whole thing repeats itself. May be filing this complaint will get these XXXX  to do the right thing. Please keep this complaint on their public record. Here are some of the case numbers I was given by these lying XXXX.. and each one of this call means an hour wasted listening to their repeated lies XXXX from XX/XX/XXXXThere was another really arrogant supervisor in XX/XX/XXXXwho said the bonus will be there by XX/XX/XXXXsomething and that I was bothering them for no reason. Ref XXXX from XX/XX/XXXX, wasted more than an hour and no results Ref XXXX from XX/XX/XXXX. Another hour wasted with XXXX XXXX. I have many more of these XXXX case numbers these XXXX gave me but I do n't want to waste any more time putting it together for them. <P/>Will you please shut this lying piece of XXXX bank? <P/>thanks
Consumer complaint received 2017-07-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

My employer issued me a check from a frozen bank account that they were not aware of. I promptly called my bank institution and spoke with a customer service representative, an account specialist and security. The account specialist XXXX explained that they received confirmation from my employer 's bank that their account was frozen prior to issuing my check deposit and explained that they would not think it was fraud due to this knowledge. I have received another check from my employer and the bank has made it available to me in one business day. Upon checking my account on XXXX-XXXX-17, I realized that my account was in the negatives and had this note " reg cc XXXX '' next to my deposit. I called Capital One but it is a bank holiday. I am concerned about the practice of this bank institution because according to the regulations of the federal reserve, I am to be notified ( the account holder ) of this hold on my funds and went it would be available. Upon checking further, XXXX is a fraud detection and has signified this check in my account to be held. I am disgusted as the bank and their 3 representatives assured me that they knew what was going on and I would not be penalized for this. It was not my fault that a check given to me was from a frozen bank account and now they want to hold my funds against me for something they thoroughly discussed with me.
Consumer complaint received 2017-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/XXXX, I was approved for the Chase Freedom Unlimited Card for a credit limit of {$1500.00}. ( See attached evidentiary documentation ). On or after XX/XX/XXXX, I was approved for the Chase Sapphire Reserve Card for a credit limit of {$10000.00}. Id. On XX/XX/XXXX, I was approved for the Chase United MileagePlus Card for a credit limit of {$15000.00}. Id. On or after XX/XX/XXXX, I  was approved for the Chase XXXX Rewards Credit Card for a credit limit of {$10000.00}. Id. <P/>On XX/XX/XXXX, I faxed my U.S. Passport and my local utility bill responsive to Chase 's inquiry Reference # XXXX. Id. On XX/XX/XXXX, Chase deactivated all four credit card accounts, without notice. The deactivation was discovered on XX/XX/XXXX, upon calling Chase to verify receipt and activiation of an additional user card. On XX/XX/XXXX, the closure of all four accounts was discovered while viewing the accounts online. No due process was afforded. No notice or disclosure has been sent. <P/>I believe that the accounts were closed based on race, color, age and social-class. During the review process, I was not allowed to enter documentation in support of my position. Chase withheld the rationale as to the basis of the deactivation. Shortly after I disclosed my race, color, age and social-class, Chase unilaterally closed my credit accounts. Chase 's practices were predatory because each account was assigned to maximum APR allowed by law. Chase 's practices were discriminatory because after the disclosure of my race, color, age and social-class, Chase deemed me undeserving to possess the accounts.
<P/>I suffer damages and costs including but not limited to : ( 1 ) hard credit inquiries ; ( 2 ) available credit to balance ratio ; ( 3 ) credit scores ; and ( 4 ) detrimential reliance. I seek the reopening of any and all accounts and/or reconciliation of any and all issues raised. <P/>I declare this to be true and accurate, to the best of my knowledge, under the penalty of perjury.
Consumer complaint received 2019-01-14
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Peer Advisors, LLC (CA)

XXXX XXXX XXXX initiated foreclosure proceedings prior to the one year redemption following my mothers passing on XX/XX/XXXX. Prior to XXXX XXXX XXXX acquiring the loan in XX/XX/XXXX, the reverse mortgage was being serviced by XXXX XXXX. XXXX XXXX was notified of my mother 's death on XX/XX/XXXX which is the date the one year redemption period initiated. Quarterly updates were provided to XXXX XXXX and XXXX within the quarterly deadlines which I have attached for your review and validation. 

The dates below will outline the One Year Redemption Timeline and Quarterly Update Deadline Requirement ; XX/XX/XXXX- Date of Death XX/XX/XXXX- Quarterly Extension Request Deadline XX/XX/XXXX- Quarterly Extension Request Deadline XX/XX/XXXX- Quarterly Extension Request Deadline XX/XX/XXXX- One Year Redemption Expiration Below, please find the itemized breakdown of the actual written quarterly Extension Requests I provided to XXXX XXXX and/or XXXXXXXX ; XX/XX/XXXX- Date of Death of Mother XX/XX/XXXX- Written Quarterly Extension Request to XXXX XXXX XX/XX/XXXX- Copy of Listing Agreement and photos to XXXX XXXX. The Quarterly Extension request was also provided in this e-mail communication. Please note that XXXX XXXX stated that as long as the extension request is submitted on or anytime before the deadline extension would be sufficient. This is where the internal error occurred. 

XX/XX/XXXX- Written Quarterly Extension Request to XXXX XX/XX/XXXX- Request for Mortgage Statement/Welcome Letter When I received notification that foreclosure proceedings were initiated on XX/XX/XXXX via NOD, I immediately notified XXXX of the violation. Communication was established with supervisor XXXX, Rep ID # XXXX regarding this issue. Per XXXX, there was a final Quarterly Deadline Extension date of XX/XX/XXXX which is NOT legally correct and that they did not receive my final request until XX/XX/XXXX. It is my belief that when XXXX XXXX inserted my extension request into their mortgage system on XX/XX/XXXX prior to the transfer to XXXX, XXXX XXXX   placed the effective date of the extension of XX/XX/XXXX whereas it should have been for XX/XX/XXXX ( Actual deadline Date ). This is where the internal error occurred. By the associate entering the effective extension date of extension for XX/XX/XXXX, it reduced my one year redemption period to 11 months. 

To this date, nothing was resolved. Based on the timelines above, the soonest that XXXX would have been able to initiate foreclosure would have been on XX/XX/XXXX. I have attached all supporting documentation including all written extension requests that were submitted electronically ( e-mail ) to  both XXXX XXXX and XXXX. All supporting documentation has been provided to XXXX to no resolve.
Consumer complaint received 2017-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (NV)

On XXXX/2017, y applied for a cashforward barclaycard credit card, 0 % interest in 15 cycles, on purchases or transfer balances, but they are charging interest right now. On XX/XX/XXXX they charged {$39.00}, on XX/XX/XXXX {$40.00}, XX/XX/XXXX {$23.00}, XX/XX/XXXX and XX/XX/XXXX they did n't charge nothing. Before I start using a credit card, i call to the credit company to make sure they are giving to me what they offer. They said 0 % on purchases or balance transfers on15 months. Is the first time I have a problem with a credit card.
Consumer complaint received 2019-01-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (NC)

Several years ago I added my daughter, XXXX XXXX, to my accounts at Wells Fargo, thinking that as I get older it would be a good idea to make it easier for her to handle my affairs if I should become ill. 

In XX/XX/XXXX {$7400.00} was taken out of my account, XXXX without my, or my daughters, knowledge or consent. In addition, {$4300.00} was taken out of my account, XXXX, at the same time, again without the knowledge or consent of my daughter or myself. 

My daughter had filed for bankruptcy because of credit card debt. At that time she had a credit card with Wells Fargo, no other accounts with Wells Fargo. She contributed no funds to either of these accounts, and would not have permitted their use had she been asked. 

I have banked at the same place since I moved to XXXX in XXXX, XXXX XXXX which eventually became Wells Fargo. I feel that they should have made me aware of the pros and cons of having a joint owner on an account. 

This comes at a particularly bad time in my life, since my husband had a XXXX in XX/XX/XXXX. I have become his full time caregiver, and needless to say we have had many additional expenses. These funds, of almost {$12000.00}, represent most of my expendable savings. 

Though they claim this was a legal recovery " set-off '', I feel that it was unethical. I would appreciate your help in recovering these funds. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2017-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WA)

On X/XX/17 I reached a settlement agreement with XXXX XXXX XXXX for the account ending in XXXX with an original balance of {$14000.00}. The account is now paid in full. XXXX XXXX XXXX updated my credit report with all three bureaus to reflect the payment I made, showing a remaining balance due. The accounts do not show paid in full and remain as charge offs. I have exhausted the dispute resolution process with Experian, XXXX, and XXXX and am seeking assistance from the CFPB to resolve the matter. I have attached the settlement letter and a recent copy of my 3 bureau credit report. <P/>XXXX XXXX XXXX has been paid since XX/XX/XXXX and the company has failed to timely send confirmation of settlement to me, and failed to accurately report the account on my 3 credit reports, to include inaccurate investigation results.
Consumer complaint received 2017-07-03
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: Early Warning Services, LLC (TX)

I am a victim of identity theft. I became aware that several credit and checking accounts were opened in my name without my approval, consent or knowledge. From 2016 until present I have not applied for or opened any new checking or savings accounts whatsover with any bank. I bank with XXXX XXXX XXXX which I opened in person in New York. Every other bank account and inquiry on my XXXX and Early Warning Services report is a result of fraud. I did not even live at the addresses that were given to XXXX or Early Warning Services. I am attaching a copy of my photo ID, birth certificate and my current lease showing where I actually lived during this time of identity theft. The only account that is actually mine is with XXXX XXXX XXXX
Consumer complaint received 2017-07-03
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: Fidelity National Information Services, Inc. (FNIS) (TX)

I am a victim of identity theft. I became aware that several credit and checking accounts were opened in my name without my approval, consent or knowledge. From 2016 until present I have not applied for or opened any new checking or savings accounts whatsover with any bank. I bank with XXXX XXXX XXXX which I opened in person in New York. Every other bank account and inquiry on my ChexSystems and XXXX XXXX XXXX report is a result of fraud. I did not even live at the addresses that were given to ChexSystems or XXXX XXXX XXXX. I am attaching a copy of my photo ID, birth certificate and my current lease showing where I actually lived during this time of identity theft. The only account that is actually mine is with XXXX XXXX XXXX
Consumer complaint received 2017-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On X/XX/17 I reached a settlement agreement with Bank of America for the account ending in XXXX with an original balance of {$14000.00}. The account is now paid in full. Bank of America updated my credit report with all three bureaus to reflect the payment I made, showing a remaining balance due. The accounts do not show paid in full and remain as charge offs. I have exhausted the dispute resolution process with XXXX, XXXX, and XXXX and am seeking assistance from the CFPB to resolve the matter. I have attached the settlement letter and a recent copy of my 3 bureau credit report. <P/>Bank of America has been paid since XX/XX/XXXX and the company has failed to timely send confirmation of settlement to me, and failed to accurately report the account on my 3 credit reports, to include inaccurate investigation results.