davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (IL)

XX/XX/2017, Thursday, I placed a call to XXXX XXXX to cancel a payment arrangement scheduled to electronically draft from my Chase Banking Account. 

Unfortunately, the customer service representative advised that the EFT had been issued and could not be recalled in the amount of {$570.00}. 

Chase Bank was contacted and I requested to place a stop payment in the amount of {$570.00}. 

The Chase representative asked if the merchant had been previously authorized to draft from my account, I responded " yes '' and provided the last debit from my account which was {$280.00}. 

Unfortunately, the stop payment was issued for {$280.00}, which is the incorrect amount. I phoned Chase immediately when the charge posted to my account. Chase reviewed the recorded call for that day and the transcripts, escalated the issue to the claims dept, and confirmed that a banking error was made. 

In working with Chase, the bank issued a decision to honor the transaction and not take additional action to recover funds due to the bank 's error. 

I was told by XXXX XXXX that the payment can not be refunded and a credit would not be issued for the inconvenience as the payment was for my car note and I should look on the bright side, my car note is paid. He also advised that the bank who made the error would be properly trained. 

His response was very inappropriate and subjective in addressing the matter at hand. I felt there was possibly discrimination as XXXX XXXX did not cite banking policy to support Chase 's decision to honor the transaction despite the admittance. 

Throughout the duration of the investigation, I was very mild-mannered as I understand it was an honest banking error. I requested that the bank exhaust all efforts to recover the funds and reverse all NSF fees as this has created a domino effect within my account of insufficient postings. 

XXXX XXXX also advised me that his department was the highest level and that is the final decision.
Consumer complaint received 2017-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (CA)

I received a pre-approved credit card offer from American Express and subsequently applied for the Platinum Card on XXXX XXXX, 2017 ( application # XXXX ). The application was declined and I reached out to American Express New Accounts Team for an explanation - the representative stated that because the reason was that I already have the Platinum Card. I spoke to customer service to have the card account downgraded to another product, and applied again for the Platinum Card on XX/XX/XXXX ( application # XXXX ). The application was turned down for the exact same reason. I called the New Accounts Team asking for a manual review because it was obvious the reasons for the decline were not only inaccurate but also outdated, but the representative kept reiterating the reasons for the decline.
Consumer complaint received 2017-03-31
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

My complaint is with Trans-union, XXXX, XXXX. Improper use of my credit report. They are reporting a bk on my report I called the court, and court does not validate or verify that information. That information was pulled from a third party, Therefore its in-accurate and now must be deleted immediately.
Consumer complaint received 2019-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: STERLING JEWELERS, INC. (NH)

I had an account with XXXX XXXX that became a charge off. In XXXX of 2018 I paid the charge off in full with the original creditor and was advised by the agent that it would reflect on credit as being a paid charge off. I have tried contacting the creditor and have filed multiple complaints with the 3 major credit reporting agencies ( XXXX, XXXX and XXXX ) with no luck on getting the information corrected. I have paid this and it should be reflected on my report that I have. As far as I am aware they are in vialation of the Fair Credit Reporting Act for every time they do not update the information.
Consumer complaint received 2017-10-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Fedloan Help (NJ)

I looked into options to consolidate and lower my student loan payments. I reached out to XXXX XXXX XXXX and signed up for their repayment program. Some how- I ended up receiving- what I thought was more help- from another company named Fed Loan Help . The website is Fedloanhelp.org. Which is now up for sale- and you can not contact any of the people who originally helped me ; listed below. 

XXXX XXXX and XXXX XXXX and XXXX XXXX both from : Fedloan Help : Nonprofit Organization Phone : ( XXXX ) XXXX Ext XXXX & XXXX XXXX & XXXX XXXX Fax : ( XXXX ) XXXX XXXXXXXXXXXX XXXX I had been paying {$72.00} from XXXX XXXX to XXXX XXXX every month in an automatic payment plan. XXXX XXXX, XXXX I received an email from XXXX XXXX XXXXXXXX XXXX the real company ) informing me that my payment was late. I then called the next morning to ask what was happening as I had been paying {$72.00} every month automatically. Which I then realized that they stopped taking my money XXXX XXXX, so things were not adding up. XXXX XXXX XXXX informed me that in XXXX XXXX I enrolled in a {$0.00} payment plan for the year and this was my first payment. Which then means the money I had been paying has gone to thin air. {$72.00} for 15 months XXXX XXXX XXXX to XXXX XXXX XXXX totals {$1000.00} which I thought was going to my Fed loans, is now missing. I tried to contact the numbers given from the people above. I tried to email, reach someone on the website, I even asked for help from other repayment companies. All of which said Fed Loan Help was not real. Once this happened I contacted my bank- TD XXXX XXXX make sure all payments would be stopped and they could n't take anymore money. I also asked XXXX Bank if I could put in a dispute against the charges as this is clearly a fraudulent company. They took about a month to see what they can do, but it came back that XXXX Bank can not dispute any charges over 60 days, which my last charge was XXXX. So now I am out this money, with loans to pay, and I am hoping for some help in getting this money back towards my real loans. Thank you.
Consumer complaint received 2017-10-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (VA)

In XXXX of this year I received notice to re-certify my enrollment in the Income Driven Repayment plan through Navient. In early XXXX I sent in the documentation for myself and my husband, who was unemployed at the time. A couple days prior to the XXXX XXXX deadline I called to confirm the application had been processed. At that point, the customer service rep informed me that the signature page did not come through properly. I confirmed that everything else looked fine and was in order, and that evening uploaded the application signature page to the company website. About 2 weeks later, I call again to confirm that the application has been processed, only to learn that now they had an issue with my husband 's income documentation. We submitted his Virginia XXXX XXXX XXXX letter, which show the gross dollar amount, the effective start date, the number of payments and the effective end date. This is the official document the XXXX of Virginia sent to my husband. After this was explained, the customer service rep said they would note it in the file and submit it for expedited processing. I called back on Tuesday XXXX XXXX to check the status, and it still had not been processed because this question around my husband 's income documentation. I asked to speak to a supervisor, and got XXXX, who after we explained everything again, agreed to escalate the issue and would get back to us in 24 hours. Today is the XXXX, and we had not heard back from her, we have called again to try and reach her but only got a rep who said she would inform XXXX that we called and let her know to contact us back. We are concerned because I have been told that the XXXX of XXXX is the final day to get this processed so that we are not paying the non-IDR rate. Without the plan my monthly payment goes from approximately $ XXXX to over $ XXXX. This is not affordable for us.
Consumer complaint received 2017-10-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIBANK, N.A. (MI)

I noticed my paycheck was n't the normal amount. I reviewed my paycheck statement and noticed {$490.00} taken out listed as garnishment. 
I contacted our payroll representative as I thought they had mistakenly started taking out spousal support to early. My divorce just completed and it 's due to start coming out of my pay next month. 
Payroll informed me that this was from a collection agency, not spousal support. The collection agency is listed as XXXX XXXX. 
I was not notified in anyway that this process was going to happen. I was n't aware of anything until I noticed this yesterday XXXX/XXXX/XXXX. I searched online and it appears I should of been served papers, or at least received something regarding this action.
Consumer complaint received 2017-10-19
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (FL)

Information incorrect well 's fargo. I had to wait a year to refinance home they were trying to finance through them ( Well 's Fargo ) so they placed a late payment on my credit. But Well 's Fargo would only allow me to finance through them only. Forcing me to wait a year for the information the reported on my credit report. Information Attached. 
Derogatory InformationLearn more ... Print your report ACCOUNT NAME ACCOUNT NUMBER ACCOUNT TYPE WELLS FARGO HOME MOR XXXX Mortgage BUREAU BUREAU CODE DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT HEADER BALANCE LAST REPORTED ACCOUNT HEADER STATUS AMOUNT PAST DUE XXXX XXXX XXXX {$0.00} {$1100.00} {$0.00} XX/XX/XXXX PAYS AS AGREED {$0.00} COMMENTS - BUREAU DAYS PAST DUE HISTORY DATE 24 MONTH HISTORY 30 60 90 XXXX XX/XX/XXXX 30 30 30
Consumer complaint received 2017-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

Upon checking my Equifax credit report on XXXX/XXXX/XXXX I noticed multiple unauthorized credit inquiries on my report. I have contacted Equifax, and the reporting companies multiple times concerning this issue with no results, they continue to report inquiries saying they are factual. I would like these inquiries removed from my report. I have listed the inquiries in question below. 
XXXX. XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX. XXXX Bank XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX 's XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX. City of XXXX XXXX, XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX/XXXX/XXXX XXXX. XXXX Bank XXXX credit XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX. Equifax XXXX  XXXX XXXX XXXX XXXX/XXXX/XXXX
Consumer complaint received 2017-10-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

I have met the terms given by Carrington Mortgage Services , LLC in order to remove the PMI from my mortgage, I have sent a faxed request on XXXX separate occasions to have this done. I was told by a representative that a letter had been mailed out to me on XXXX XXXX, XXXX updating me, I have not received this letter. I have, however, received several other communications from the company regarding other issues such as hurricane relief and new billing statements dated after XXXX XXXX. I called and spoke with a supervisor for the company 's call center at the end of XXXX and she informed me that I would have to wait until XXXX in order to see a change. I have since chatted online with a representative, XXXX, who informed me that I would have to make my XXXX Payment and wait an additional 60 days for the escrow analysis. I am then told by that representative that they are not working in the department that actually handles that request and I can not speak with anyone in that department because they do not accept calls.
Consumer complaint received 2017-10-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Management Services, LP (CA)

this item was ordered by mistake due to the current promotion of that credit card company, with their rep that sent me to the wrong place to order their promo, it was cancelled immediately, the company still shipped the item when they were notified that this was not the correct item ordered and was refused, it was shipped anyways while I was out of state for three weeks and XXXX returned it to the company. I was credit for it but this very bad company shipped it again after I had moved from that location to another part of the state and never received it or knew about it till I saw it on my statement. After 6 or more months I was recharged on my credit card for this unwanted item, the credit card company charged me for that item I never received and when I notified them of this they removed the charge, during my going back in forth with this credit card company proving the proof that it was never received, it kept getting put back on my statement then I closed that account.. I had moved out of that part of the state I once again was recharge my credit card charged again I submitted proof of address change and that they did not have permission to and ship to any address where I did not reside the items were never used and when I inquired to XXXX I was informed that it was refused by the landlord and returned. 
I have gone round and round with the credit card company and with this less than honest company with no luck and now I have this person calling two or three times a day even when I told him it was not my debt, he uses his company phone his, personal and friends phones to harass me. I have retained all emails to and from the credit card company and the this corrupt company. there is also proof on XXXX XXXX 's internal site/emails on the credit card company s site showing they dismissed the debt
Consumer complaint received 2023-04-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Winklevoss Exchange LLC (CA)

I have a Gemini Exchange Account, I sent bitcoin to. I got a confirmation from the block chain it was completed. 

I tied to sign into my gemini account and it wouldnt let me. 

I checked my enails from gemini and the had closed my account a week earlier. 

I have made attempts to reach customer support daily for 2 weeks and get no response. 

They only offer email support, I want access to my account to get my funds out of it. They are holding my funds and not allowing me access to my account, because no one has replied to my request. 

The reason they had closed my account is because tjey said i didnt keep my cryto in my gemeni account, using it for transactions. 

Ive emailed them 20 times in half of a month and i havnt got a response.
Consumer complaint received 2023-04-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TX)

Loan care 's escrow department always makes mistake when it comes to property tax calculation. This is my 3rd time encounter the same problem with Loan Care servicing. They overcalculated the anticipated county tax of XXXX, they anticipated the county tax is the comination of the total tax bill, which resulting in a {$700.00} escrow payment increase in my next mortgage payment, this mistaken is totally not acceptable as this mistake will be causing us not being able to afford the house anymore because of their long overdue mistake inside the escrow department. 
Given my past experience fighting with Loan care 's incorrect escrow analysis, calling loan care 's customer service can do nothing to help with this issue as they either can not deliver the message correctly to the escrow department, or the escrow department doesn't even know what they need to do to correct the issue.
Consumer complaint received 2023-04-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (NC)

I initially got scammed back around XX/XX/22 from an online company posing as PayPal. They sent me a fake invoice with PayPal logo on it, stating a charge of {$480.00} from a client named XXXX. The invoice said to dispute the charge to contact the number on the invoice. I did not do any business with anyone named XXXX from PayPal so I immediately contacted the number on the invoice to dispute it with PayPal. The gentleman that answered the phone on the end acted like a PayPal agent even had me log in to some back office that showed paypal 's logo and website address PayPal.com. He told me that he would cancel out the amount that was charged on my PayPal account and reimburse me that amount for the trouble. But I had to provide him my bank account info so he could reset my account. He tricked me into giving him my bank debit card info so he could get the money from my account and credit it back a couple days later, along with the {$480.00}. He cleaned my account of {$4500.00}! He called over the next couple days to check on me and assure me the money would be returned in a day or two, and not to call PayPal or Netspend-if I did it would delay the process of me getting my money credited back. I filed a dispute a couple days later with Netspend. They gave me a provisional credit of {$4500.00} for 90 days while they " investigated ''. They never contacted me once to help with the investigation. Since then the scammer sent me another email identical to the first one, trying to scam me again. Netspend concludes their investigation with no evidence of scam. Yet I'm out of {$4500.00}, and the credit they gave me has been taken back! I understand nobody wants to pay for a scam bit the everyday consumer who puts their money in banks should not be the victim. Netspend reopened the investigation the other day for 10 days. Yet they still did not call me, even though I left a message for them to contact me to help w the investigation. I am very displeased with the result and do not have {$4500.00} to lose. I have bills and living expenses like everybody else. Please return me the money that was taken, and stop these scammers from robbing other innocent people. The conclusion of Netspends investigation is only going to encourage the crooks to keep doing what they're doing! If this is how Metspend does business with people who have been with them for years, I would not recommend anyone use their prepaid services. This is the second time in two years I lost money with Netspend. The first time I lost a government business loan of a XXXX  XXXX dollars just because the check was in my company name and not my personal name. Terrible service if this is how you treat your customers! You have insurance, you have resources, you lend out our money -- why should everyday hard working people have to suffer from scammers? Why aren't your investigations thorough? Why do you blame consumers for scam and not the scammers???
Consumer complaint received 2023-04-10
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. (AL)

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. 

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, 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 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 2017-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

XXXX XXXX XXXX - Correspondence to Portfolio Recovery Associates requesting verification of debt. No response to date. 

XXXX XXXX XXXX - Correspondence to Portfolio Recovery Associates requesting verification of debt. No response to date. 

Company has not provided verification of original debt and continues to report collection as new account. I have not had a XXXX XXXX card in 5-6 years.
Consumer complaint received 2023-04-10
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NJ)

I was already charged XXXX point for a XXXX medical bill, now charged another XXXX points for the same medical bill. My credit had gone from XXXX to XXXX in one month. Also I have XXXX, no late payments.
Consumer complaint received 2023-04-10
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. (MD)

In XX/XX/2023 an account with XXXX appeared on my credit report with Experian showing a balance from XX/XX/2023. This account was paid off the same month it was reported however there has been no update to the information. Reached out to Experian on 3 separate occasions providing supporting documentation of the balance reflecting {$0.00} and the dates the account was paid off. Experian keeps reporting there is no change in the account as the merchant stated the information is current which is incorrect. The documentation provided shows the account was paid off and the account has not been updated in two months.
Consumer complaint received 2017-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

XX/XX/XXXX Trying to put a Credit Freeze on my moms account with Trans Union. She can not talk. I have Power of Attorney, but that takes time to mail in. I  want to add protection, but they refuse unless its her. I do n't want credit or information, just to place a freeze on her credit.