davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

On Thursday, XX/XX/2020, I received a direct deposit in the amount of {$750.00}, on Friday, XX/XX/2020, I received a direct deposit of {$240.00}. Both of the direct deposits are from my employer that I worked for. They put a 2 day hold on posting it to my account, I also tried to use my debit card and it was declined. I contacted the bank and they connected me to loss prevention and they verbally stated they put a restriction on my account and that they will be closing my account in 10 days and keeping my money. My account is in good standing, it is not in the negative, I would like my money returned to me as soon as possible.
Consumer complaint received 2021-05-23
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: SLM CORPORATION (MD)

I was the holder of an 18 month CD maturing on XX/XX/2021. 
Sallie Mae Bank failed to provide, in any manner, notice of CD maturity as required by section 1030.5 ( b ) ( 1 ) of the CFPB regulation ( for time accounts that renew automatically at maturity ). Because of Sallie Mae 's breach of this requirement, I missed the stated maturity date by a few days, and notified Sallie Mae of my election not to renew. Sallie Mae has wrongfully imposed the interest penalty for a certificate-holder 's failure to give timely notice of non-renewal. The CFPB requirement for a bank to give at least 30 days notice of impending maturity is obviously intended to give a certificate holder time and practical opportunity to timely elect renewal or non-renewal of a CD. Since Sallie Mae did not give the required notice, it is not entitled to collect an interest penalty, and thereby benefit from the bank 's own fault. 

Salle Mae 's representative claims that the bank gave notice by email. I did not receive any such email from Sallie Mae ( and indeed have never received any email or written communication at any time from Sallie Mae concerning the CD ). ( I do not use any email blocker that would have blocked any email communication from Sallie Mae. ) In any case, it is the bank 's regulatory obligation to use a practically effective means to " mail or deliver '' notice of maturity.
Consumer complaint received 2017-07-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (MD)

My daughter, filed bankruptcy last XX/XX/XXXX to stop the foreclosure on our home. Due to my illness I was not well enough to file. Once she filed the mortgage company has worked out a curved with the trustee. To sell our home.. and when I called, to try to work out something with the mortgage company I was giving all this wrong information and no help. Surely my daughter is only on the deed of the property. I 'm on the note, and deed of property. We 're force to be homeless due to an aggressive trustee, wanting to make money for himself, and a mortgage company with no morals. Trustee going to court to ask for my part of property to sell our home.which the mortgage company could have work out something with me to be able to sell my own home.. not be force by trustee and his realtor .. so they can make money .. and my family and I will become homeless. My granddaughter who is XXXX years of age has been approach by strangers coming and lurking on our property asking her all kinds of questions about the house being for sale.. I hope that Shellpoint Mortgage Servicing will not get a chance to do this to another family.
Consumer complaint received 2017-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

InXX/XX/XXXX I was informed by the IRS that there was attempt to file a tax return in my name/SSN. I reported this to credit bureaus and federal identity theft. InXX/XX/XXXX I  received a credit card from XXXX XXXX XXXX in the mail - I did not apply for it. I immediately called and alerted the bank. I was ensured that I did not need to do anything else. 3-4 weeks ago I received a call from XXXX XXXX XXXX at work stating that I needed to sign some documents at that they have not been able to reach me for several months. It turned out they sent the documents to an addressed I lived 11 years ago. I finally received the documentation last week and returned it immediately. Today I received an email from XXXX that my credit line was reduced from > $ 10k to {$500.00} due to a credit report. I immediately request a free report and notice that XXXX XXXX XXXX filed a > 120  day overdue account on my report - I was assured that this would not happen. I called the bank and they were of no help. I also called Experian and requested to investigate the false report. I called XXXX trying to correct my credit line but they refused.
Consumer complaint received 2024-11-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

XXXX requires the merchant to contact their bank that is connected to the feature ( Bank of America in my case ). Scammer 's XXXX  profile stats looked good, but I was scammed out of a deposit amount of {$370.00}, with an agreement that I pay the remaining balance in cash upon delivery of the cream colored sectional sofa she posted. I sent via XXXX to XXXX XXXX XXXX ( a roommate ) per " XXXX 's '' request I later found out XXXX resides at XXXX XXXX XXXX, XXXX, TX XXXX. Her phone is registered to XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. XXXX : ( XXXX ) XXXX XXXX $ XXXX XXXX  XXXX  : " XXXX '' $ XXXX XXXX  I am almost certain, " XXXX, '' " XXXX, '' and XXXX XXXX are all the same person, contrary to XXXX stating they were her roommates, whom of which would be helping load and deliver the furniture. XXXX initially responded via XXXX, but then messaged via text from ( XXXX ) XXXX. I won't be able to recover what I've lost today, but hopefully, I can prevent someone else from being scammed. Incident occurred on XX/XX/year> ( XXXX, GA )
Consumer complaint received 2024-12-04
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (FL)

I recently closed my Barclays credit card account due to lack of use. I confirmed that the account was closed and was assured that the {$100.00} annual fee would not be charged. Additionally, my online account was deactivated, leaving me unable to access it. 

Despite this, the {$100.00} annual fee was debited in XX/XX/year>. When I called to inquire about the charge, I was told that the fee had been applied because I had not notified Barclays before the annual renewal date. However, I had already informed Barclays of my intent to close the account prior to the renewal date. 

To address this issue, I notified my bank, XXXX, to dispute the {$100.00} transaction. As a result, Barclays charged me a {$29.00} cancellation fee, claiming that this fee was imposed because my bank charged them. On XX/XX/year>, I paid the {$29.00} cancellation fee, even though the {$100.00} annual fee was not valid to begin with. 

I am filing this complaint because I believe the charges imposed by Barclays are unjustified. I had clearly communicated my intent to close the account and received confirmation of its closure. I request a thorough review of this situation, a refund of the {$100.00} annual fee, and a reimbursement of the {$29.00} cancellation fee. Additionally, I would like an explanation of why these charges were applied after I had followed all necessary procedures to close my account. 

Thank you for your attention to this matter.
Consumer complaint received 2021-05-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

I have a paypal account, it was permanently limited in XXXX, then the balance was available for withdrawal in XXXX after 180 days. 
Its XXXX, I'm trying to add a bank and debit card in my paypal in order to withdraw the funds, because I linked bank has been closed and linked card is a prepaid gift card. 

So, must I need to add bank, I called paypal multiple times last 3 months but no agent helped me. They said I have to wait 48-72 then refreshing my account but that was useless. Eventually, they said the XXXX system doesnt allowing me to add a bank or card. It says " Sorry! We can't link your bank account right now! '' I dont want to get a check, if I wanted I should've already get it on my own. 

I think its XXXX of paypal monopolist business policy, they dont override my issue, they dont help. All they want is only hold my about XXXX $ balance. 

My paypal email is : XXXX XXXX
Consumer complaint received 2017-06-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I spoke with a representative concerning a 30 day late payment that is showing on my Transunion and  XXXX  credit report dated  XXXX   2016 , I explained to the representative that I was never late and to please fix this with the bureaus. The representative advised me that they could n't go back that far and validate if there was even a late payment that the only thing that he could see was notes that the account was past due at that time. They refused to get this fixed with the bureaus.
Consumer complaint received 2017-06-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I spoke with a representative concerning a 30 day late payment that is showing on my XXXX and XXXX  credit report dated XXXX 2016, I explained to the representative that I was never late and to please fix this with the bureaus. The representative advised me that they could n't go back that far and validate if there was even a late payment that the only thing that he could see was notes that the account was past due at that time. They refused to get this fixed with the bureaus.
Consumer complaint received 2021-09-15
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: CITIBANK, N.A. (IL)

On XX/XX/21 I placed an order with a vendor who failed to deliver and would not respond to my requests for a refund. I escalated to my credit card company, Citi online and via phone but their systems would not accept my dispute request. I tried multiple times online and was later told by a representative that their dispute system was " offline for maintenance '' and to try again in a few business days it has now been more than three business days that this " system '' was down.

Considering the fraud-prevention and control role a dispute system holds, a multi-day outage at major bank is both unacceptable and worrisome. There should be alternate methods to process this dispute manually and a more robust control environment to protect client funds.
Consumer complaint received 2024-11-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION (MA)

Took out a XXXX through Sallie Mae. Initially had issues with them not deferring payments as they were supposed to. Then through practice of threats paid off some of the debt and began a payment plan. Paid on plan for 5 years. In those years only paid off the {$10000.00} of fines and interest ( on a total loan of {$20000.00} ) When Sallie Mae went under the loan just stopped payments and we received no information about the new debtor, still do not know who purchased the initial loan even after requesting documents. XXXX year later we got sent to Debt Collection through XXXX and XXXX Attorneys at law in XXXX Ma. So after Sallie Mae Crashed we were given no new documentation then the next we heard of the loan it was at a debt collection agency a year later with a final date threatening to take us to court.
Consumer complaint received 2017-06-02
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Fedloan Help (SD)

I was working with a non profit organization company called "  Fedloanhelp '' t hrough www.fedloanhelp.org. This was done to help refinance my student loan payments to help reduce my monthly payments. Each month I was being reassured that my loan was being worked on and nothing was ever done. I was making payments off {$98.00} every month for 12 months for a total of  XXXX . Recently they said i would receive an entire refund on all of my payments due to them not being able to help me. I have reached out and for the past 3 months and requested a response and only received automated responses that they would refund me once they received more funding. Now their phone number is disconnected and their website is no longer on the internet.  <P/> The company was taking the payments automatically through my account number.
Consumer complaint received 2020-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NJ)

I have been a Chase Business Credit Card Holder for a few years now and I've always paid my bills on time. Since Covid hit in XXXX, I've had to close my business and lay off all of my employees. I've called and begged and pleaded with Chase to please either lower my interest rate or possibly help reduce some of my interest fees due to the fact that my company is closed yet they refused. They told me that the Federal Government is not allowing any interest fees to be waived. That makes absolutely so sense at all. How is a company supposed to pay off it's bills if we are not allowed to open? I own a business in XXXX and I don't know if I'll ever be able to reopen. I had to take out a loan just to pay off this card because they continued to charge interest fees even after I told them that my business was permanently closed. What a disgrace and a disgust. These massive financial institutions that have billions of dollars and they can't give a small business a break on interest fees after being told the business is closed. Welcome to America!
Consumer complaint received 2017-06-02
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. (CA)

I had an issue with fraudulent applications being submitted and subsequently the banking institutions ( some not all ) notified me regarding fraudulent account openings/attempts. This was in XX/XX/XXXX I notified the agencies to place a fraud notice on my file. This happened again in  XX/XX/XXXX
Consumer complaint received 2024-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CA)

On my previous communication through XXXX XXXX and Consumer Financial Protection Bureau my complaint was well outlined to provide all necessary information and I was clear of what I wanted. I do not believe it was comprehended as it should've for unknown reasosns. So, Here it is again ; The following accounts have been officially discharged under 11 U.S.C. 727, which protects me from any further obligations regarding these debts. Consequently, all related accounts must be updated to reflect a balance of XXXX or an account history of none, and the status of " Discharged in bankruptcy '' should be reported to credit agencies. 

It is crucial that these updates are made to ensure compliance with bankruptcy discharge laws. If any accounts show a numeric due balance history, it could be interpreted as debt still owed by me, which I am protected against. Please ensure these updates are made. 

Any institution that fails to adhere to these regulations will be subject to legal action. This applies to all creditors involved, as well as to any credit reporting agencies that inaccurately report information contrary to the discharge. I expect this situation to be resolved promptly to avoid any further complications. XXXX XXXX CITIBANK XXXX XXXX XXXX XXXX CITIBANK XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc. (NJ)

This company continues to report deliquent payments on the credit bureau websites despite the fact that I am current. This is causing emotional stress to me because I continuously have to address this. This is a violation of fair reporting. Help all consumers fix this.
Consumer complaint received 2017-06-02
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Freedom Mortgage Company (MI)

My home mortgage was transferred from   XXXX   XXXX   XXXX   to Freedom Mortgage   XX/XX/XXXX  . The loan was paid off   XX/XX/XXXX .  Freedom Mortgage reported a 30 day late for the month of  XXXX  to  XXXX   XXXX  and  XXXX . I have uploaded a copy from  XXXX , showing the account in good standing and not late.   From my understanding according to RESPA  Federal  Guidelines companies are not to report late payments during the first 60 days of the transfer. I have spoken with several customer services representatives who agree this is true and that it should be corrected. I have been trying to resolve this since  XXXX . I have been told that it will take 30 days, to no avail. Then I was told it has to be manually input into the system because it 's paid off, no avail.    Freedom  Mortgage has yet to update my account as paid with  XXXX   XXXX  and  XXXX . They reported the 30 day late after the loan was paid in full and said they have the right to do so because the RESPA expired. I also did not receive a my discharge of mortgage until   XX/XX/XXXX  .
Consumer complaint received 2017-06-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

They are reporting collections on my  XXXX  that are not mine. They were previously on my   XXXX   and  XXXX  credit reports they were removed from there because they were not able to be validated, after deletion of those bureaus they placed them on my  XXXX  with out notifying me of that. These collections are not mine.
Consumer complaint received 2017-06-02
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

It has been a year ; I have been disputing some incorrect information that is incorrectly reported on my credit report. I have requested this information from both the credit bureaus and the creditors, and both have failed to make an attempt to respond to my situation. So I would like to take advantage of this opportunity to file a complaint on my behalf of my credit reporting issues.
Consumer complaint received 2021-09-17
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. (FL)

On XX/XX/2018 Chapter XXXX Bankruptcy discharge under public records has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting public records Chapter XXXX Bankruptcy discharge filed on XX/XX/XXXX XXXX to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of bankruptcy that are reporting has not been opened by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused collections accounts and dates FOLLOW AS Chapter XXXX Bankruptcy discharge filed on XX/XX/XXXX XXXX ..BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : EQUIFAX, XXXX AND XXXX IS CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt. I have notified the Bankruptcy Court and their response letter is attached stating they do not report information directly to the credit reporting agencies. Therefore, how could you verify this account.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (OH)

Wells Fargo reporting delinquent payments This account has been sitting idle for XXXX years On XX/XX/2024 I traveled to XXXX SC XXXX XXXX and personally closed this account. I was issued a cashiers check for checking account in the amount of {$170.00} and a second for savings for {$3.00}. Leaving {$370.00} line of credit which the bank said would return to Wells Fargo as unused. They are claiming they transferred funds into my account which is closed. Now every time I use my XXXX cards I get alerts for potential transactions to be declined. 
I did everything they asked me to do. All Wells Fargo accounts were closed. 
Thank you for your assistance XXXX XXXX XXXX XXXX XXXX XXXX