davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2024 the IRS deposited an amount of XXXX $ to my closed chase account with a standing balance of XXXX. I called chase that day and asked for a check they said it was sent back to the IRS and should take a week for them to receive the money. A week passed and the IRS didnt receive the money. I then called chase again and they said they paid the balance on my closed account and issued me a cashier check and sent it to an address in ANOTHER STATE where I do not live. Ive requested the change of address so many times when I did bank with chase. They told me I had to file a declaration of lost check form to void the check and that if I had a new account they can wire the money to there. I opened a new account that same day, and was told the back office received the form and that my money would post on the XXXX of XXXX in my new chase account. I called the XXXX and they said it will be processed later that day after XXXX. The morning of the XXXX I called very frustrated and the guy told me I had to fill a form to request the money gets wired to my new account, I asked for a supervisor and after being on hold for 30 minutes he apologized and said he was wrong and that the money will be there by XXXX. XXXX XXXX  I called and the lady said its still pending and should post by XXXX. It is XX/XX/XXXX and theres still nothing. Ive been dealing with this since XX/XX/XXXX at this point I feel like people are lying to me and if thats the case they shouldnt be working at chase and I want to know where is my money.
Consumer complaint received 2016-11-18
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Holloway Credit Solutions (AL)

Holloway credit has repeatedly deleted their collection accounts of my credit file and putting them back on. And I am getting tired of it. They keep restarting the XXXX year reporting thing and messing my credit up. For 5 years now all they have done is removed the collection items and put them back. I am unemployed from a XXXX I had and had to retire. I should not have to pay the price with bad credit for something that was not my fault.
Consumer complaint received 2017-01-26
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY (VA)

1. TD Bank offers online account opening option. However does not give any notice that my credit will be checked without my knowledge. 
2. The application does not get approved based on their erroneous credit info report they get w/o informing the customer of this process. 
3. Once I called the CSR, the manager indicated despite checking my credit ( the bank wants me to go to the branch ) to verify the info! 
4. The manager said in the bank they do not check credit. But again no such info is listed on the site.
Consumer complaint received 2016-04-15
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: TD BANK US HOLDING COMPANY (FL)

I was the victim of an identity theft. This occurred XX/XX/XXXX when an unknown individual opened XXXX accounts using my name and social security number with a Texas address of another individual with my last name. I became aware of this XX/XX/XXXX when I received a collection letter from XXXX XXXX representing collections on an account from XXXX XXXX XXXX XXXX. Upon review of my credit report I noticed another fraudulent account that was in arrears on my report that I had no previous knowledge of from TD Bank XXXX. I set up an account thru XXXX, filed a police report, sent all the appropriate letters to XXXX XXXX, XXXX XXXX XXXX XXXX, TD BANK USA/TARGET, XXXX, XXXX and XXXX. XXXX XXXX XXXX XXXX responded right away and removed the fraudulent information from my credit files. Transunion and Experian removed all of the fraudulent information from their credit files. Equifax refuses to remove the information from my file from TD Bank USA/Target until they hear from them directly that it is fraud. I have sent XXXX letters with all the appropriate attachments to TD Bank USA/Target dated XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. To date I have had zero response. I have also tried to contact TD Bank USA/Target by phone but repeatedly get the run around ( they have no info on me or that account etc ).
Consumer complaint received 2016-12-10
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (AZ)

Regardless if a paycheck that 's a direct deposit every XXXX weeks like clockwork or if I deposit funds via the ATM early in the morning, even if the funds show pending in the account, if any transactions come into the account the same day, regardless if that 's the first time they are showing up, Wellsfargo will charge a {$35.00} overdraft fee for every item. 
I emphasize the funds show pending in the account long before any other items present, so Wellsfargo is deliberately changing the presentation of the items in order to get away with charging fees. 
On XX/XX/2016 my aunt 's account was already overdrafted by {$500.00} and I deposited {$1000.00} early that morning, long before the bank was even open for the day to cover that and any incoming transactions. Wellsfargo went ahead and charged an additional XXXX {$35.00} totaling {$140.00} during the day because new items presented to the account long after the deposit was made before the bank opened. 
Wellsfargo seems to do this every single time there is extra money in the account and if you call them at best maybe you 'll get half the fees refunded even if they promise you to refund all the fees. They claim they are not rearranging the presentation of the items, but they 've done the exact same thing on my own checking account. My paycheck is direct deposited every XXXX weeks, Friday morning after XXXX am, but if I happen to not have enough funds in my account and an item presents, guaranteed I will get a {$35.00} nsf fee. It 's guaranteed funds that you can set your watch to and it will show pending in the account, but Wellsfargo will still charge fees to steal as much of my money as they can get their greedy hands on.
Consumer complaint received 2024-09-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (CA)

Per law, 15 USC 1692c ( c ), if a consumer notifies a debt collector that the consumers refuses to pay a debt the debt collector must cease all communications, this includes debt being reported to credit agencies. 

I have sent this company a cease and desist and the company has refused adhere to the federal guidelines by ignoring my request in my attempts to resolve this matter. The company has also been found to impose as a collection agency when it is listed that this company is not legally blinded and or insured to collect in the state of CA. Credit bureaus have all been notified as well and has refused to cease collection reporting for said accounts advised. 

Please have the company crease all collection activities as this is my final attempt to complain outside of court.
Consumer complaint received 2016-05-12
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Back on XXXX XXXX, 2014, a company called XXXX XXXX XXXX called a phone number associated with my out of state employer in an attempt to contact me. When the phone was answered, the debt collector proceeded to disclose a debt I have with Capital One to the person who answered without confirming who they were speaking to. A cease and desist letter was sent to the company, Capital One and the Attorney General 's in both XXXX and XXXX, where I reside. Complaints went unanswered by the collection company and creditor, and to date, the AG 's are pending responses from both companies. There has been no further attempts at debt validation or written communication to date from the original creditor or 3rd parties acting on their behalf.
Consumer complaint received 2016-11-18
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Medical-Dental-Hospital Bureau of San Antonio (TX)

Business and Professional Services is reporting a debt in collections to the credit bureaus. This debt was discovered during a review of credit reports in XXXX. They were written and asked for full validation under the Fair Debt Collection Practices Act. They refused saying the request was " untimely ''
Consumer complaint received 2016-12-09
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO. (MO)

I discovered what I believe to be an unlawful increase in my annual percentage rate somewhere between the dates of XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. Two things occurred during this time ; first a large payment of {$1500.00} was made and second, the impending sale of Washington Mutual to Chase. I was never notified of any increase to my APR by Washington Mutual or Chase. If I had, I certainly would have cancelled the credit line immediately and paid off the remaining balance. I continued to pay my bill each month but unfortunately, I was not aware of any change till XXXX of XXXX, at which point I made several calls to Chase. In these conversations, I informed Chase I would no longer make payments till this error was fixed and all interest collected recalculated. At this point the balance on the account was {$660.00} and the total interest accumulated since the increase to my APR was {$390.00}. I informed Chase I would gladly pay the total less the interest, cancel the card and move on. Chase 's customer service could not answer any questions regarding the matter and I was essentially at a dead end with my dealings with Chase. Since I refused to pay until Chase either cooperated in answering questions regarding the change in APR or come to an agreement to settle the account, the account went on collecting interest and fees and at some point the balance reached {$960.00} and I believe they charged off the account. 
I 've since had a few correspondences with XXXX XXXX in the Executive offices of Chase. 
And here is the gist of those. 
She said they ( Washington Mutual ) were justified in raising the interest rate to a default APR under section XXXX " you fail to pay any amount due to us under this Agreement or any other agreement. '' There are two things I would like to point out. 
1. I did not " fail '' to pay. The payment was made. It was " late '' by a couple weeks, however nowhere does it say that I ca n't make a late payment. ( Note that it was n't even 30 days late and never was ). 

2. The second thing I would like to point out to you is under section XXXX ; " If a change is made that increases the APR or APRs that apply to your Account, you will be given an opportunity to avoid the change by closing your Account and paying off any existing balance under the terms in effect prior to the change. '' Washington Mutual did NOT give me the opportunity to do either of these things. 

Chase continues to report negative information to the credit bureaus which has cost me thousands of dollars due to increased interest rates on things such as my mortgages and car loans.
Consumer complaint received 2024-09-28
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: AVANTE (MS)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furhished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-09-27
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, submitted a fraudulent Bill of Lading dated XXXX to Synchrony Bank. On XXXX, I never signed a Bill of Lading nor did I received any merchandise from XXXX XXXX. On XXXX, I was induced into a fraudulent sales transaction by sale man " XXXX ''. He fraudulent stated and signed a XXXX XXXX leaflet stating the recliner in question had a 3 year parts, labor and material warranty on a recliner. Within XXXX minutes of signing the sales invoice, I called the retailer and spoke to " XXXX '' and told him per the recliner manufacturer policy, they only provide 1 year parts, labor and material warranty. I requested a written 3 year parts, labor and material warranty on a company letterhead letter. " XXXX '' refused to supply the letterhead. I then informed him that I would have to cancel the recliner. On XXXX, I enter into a sales agreement with XXXX XXXX XXXX XXXX XXXX for a recliner with a 5 year parts, labor and material warranty at a lesser price and better warranty than XXXX XXXX. Within XXXX minutes of my sales with XXXX XXXX XXXX XXXX XXXX I received numerous calls from a XXXX XXXX driver and " XXXX ''. I informed both parties that I had cancel the XXXX transaction on the same date. On XXXX, I filed a complaint with the police department about the forged XXXX Bill of Lading. I provided Synchrony Bank with my phone record, " The Room Place '' sales invoice ( dated / time stamped ) and a copy of " The Room Place '' Bill of Lading dated XXXX for a recliner and a copy of XXXX, XXXXXXXX XXXX XXXX complaint against XXXX XXXX I'm a Senior Citizen and per federal Elder Justice InitiativeXXXX XXXX XXXX is defrauding a Senior Citizen. Synchrony Bank is required to report this abuse to the government. Synchrony Bank is not taking into consideration any of my submitted evidence. Therefore, I have and will contact the 3 major credit bureaus, FDIC, Illinois Department of Financial and Professional, OCC and the Federal Reserve about this matter. 
XXXX XXXX '' XXXX '' made, induce, signed and submitted fraudulent statement and documents to myself and Synchrony Bank XXXX
Consumer complaint received 2024-09-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CT)

An urgent issue regarding a XXXX payment of {$2000.00} made through my Chase Bank account. I attempted to send the payment to Receiver using the Chase mobile app, but I immediately received a notification stating that the payment did not go through. 

However, when I checked my bank balance the next day, I discovered that the {$2000.00} had been debited from my account approximately XXXX XXXX  after the failed transaction notification. I did not receive any further communication or authorization request regarding this charge. 

Upon realizing the unauthorized debit, I contacted the intended recipient, but they blocked me and refused to return the funds. I immediately reached out to Chase Bank for assistance, but I was referred to XXXX. When I contacted XXXX, they redirected me back to Chase. Frustrated, I sought help from local law enforcement, who advised me to deal with Chase Bank directly. After several back-and-forth communications between Chase and XXXX, I am still without my {$2000.00}, which is crucial for paying my tuition fees. 

This issue is highly urgent, and I request that Chase Bank review this claim and take immediate action to reverse the unauthorized debit or recover the funds. I have been a loyal customer of Chase Bank, and I believe this matter can be resolved promptly with your assistance. 

Please provide an update and resolution within [ reasonable time, e.g., 10 business days ]. I look forward to your prompt attention to this matter, as the funds are urgently needed.
Consumer complaint received 2024-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (CA)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Application # XXXX Dear CFPB, I am writing to formally file a complaint against American Express regarding their recent decision to decline my application for a credit card account. I submitted my application a few days ago, and upon being declined, I contacted their customer service to understand the reason for this decision. 

During my inquiry, I was informed that the primary reason for the denial was a bankruptcy filing from 2002, in which my American Express account was included. I would like to emphasize that this bankruptcy was filed over 22 years ago, and I believe that it is both unfair and potentially illegal for American Express to base their decision on such outdated information. 

According to the Fair Credit Reporting Act ( FCRA ), negative information, including bankruptcy, can only be reported for a period of 10 years. Since my bankruptcy occurred in 2002, it should no longer be a factor in determining my creditworthiness. American Express 's reliance on this information not only disregards the guidelines established by federal law but also fails to consider my current financial standing and responsible credit behavior. 

Furthermore, I believe that my application may have been adversely affected by my Armenian heritage. Given recent incidents involving financial institutions, such as XXXX 's discriminatory practices against Armenian applicants, I am concerned that my XXXX  may be playing a role in this decision. It is troubling to think that I might be facing discrimination based on my background. 

I have worked diligently over the years to rebuild my credit and have maintained an exceptional credit score of XXXX, alongside a solid history of managing multiple businesses and fulfilling my tax obligations. Given my financial stability and my ability to meet American Expresss minimum requirements for approval, I find their decision to be unjust and damaging to my reputation as a responsible consumer. 

I kindly ask that the CFPB investigate this matter to ensure that American Express complies with applicable laws and regulations regarding credit applications and decision-making. I appreciate your attention to this serious issue and look forward to your prompt response. 

Thank you for your assistance.
Consumer complaint received 2024-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (UT)

I am locked out of my own pay. Both private XXXX  life insurance with XXXX XXXX with a lifetime guarantee. Since it was issued. Only receiving, a late in the rears 3 months short term XXXX pay in XXXX and filing for XXXX  with documents to support XXXX claims, to both Guardian, social security, XXXX, and locked out of my retirement account, that is not to be jointly accessible by anyone, requires a XXXX access with background check and a XXXX special forces member and my awards issued of {$1400.00} to XXXX still not in my hands. As all my accounts at Chase bank that I am legally enrolled from day one, Ive been denied access to all of my income, my assets and my healthcare since XXXX!
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (NJ)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (SC)

XXXX XXXX {$400.00} I put in a application for a house and the landlord or whoever said I got approved and I got the approve email and I was told to make a {$400.00} deposit but when I made the deposit she never texted or called me back
Consumer complaint received 2024-09-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

On XXXX XXXX XXXX, someone without my permission and knowledge, did a wire transfer of {$140000.00} to four different recipients. I informed the fraudulent bank and I did not give any permission to do so. I never do a wire transfer in person and how could someone do this without my knowledge? The money has been fraudulently transferred to my Chase Trust account checking account. I have never authorized anyone to do the transfer or any transaction on this trust account. however, the bank fraud department keeps saying that I gave the authorization /permission to do so. As such, they close my claim and investigation. I need help to get this money back into the trust account.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (FL)

Navient has been reporting inaccurate information on my credit report for over a year. The company did not conduct a thorough investigation and fix the error and this has caused me financial harm. Since then Navient has been sued for a wide range of student lending failures.
Consumer complaint received 2024-10-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CHARLES SCHWAB CORPORATION, THE (NV)

On XX/XX/year> I used the external ACH service from Charles Schwab to transfer {$2500.00} from XXXX XXXX XXXX XXXX. 
I had closed the XXXX XXXX XXXX XXXX XX/XX/year>. On XX/XX/year> Charles Schwab transfer the funds back to XXXX XXXX XXXX XXXX. I have been trying to get my funds back and each institution blames the other institution that they dont have the money. no one wants to help to get my money back to me, I have spent so much time trying to get assistance and no one is willing to help. I have trace numbers from both institutions and there answer is the numbers are not good. I have tried to escalate with each institution ACH department, however they have advised there is nothing they can do. I do have proof of statements that the funds being withdrawn from each institution, but no deposit. XXXXXXXX XXXX  declined to issue a letter explaining the situation.
Consumer complaint received 2024-10-04
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

Hello, I have a XXXX XXXX [ XXXX Bank ] and was late on my XXXX & XXXX payments because I was out of the country and was charged a {$40.00} late fee in XXXX & {$40.00} late fee in XXXX. Not only are the late fees outrageous, but I am also still making a payment within the 30-day window. I received nonstop calls and text messages for XXXX weeks straight in XXXX when it hadn't been over 30 days, and I made my payment within the XXXX window. The calls and text messages were harassing even though they were still in the 30-day window, and I made a payment within XXXX weeks of the actual payment date. I would like to report the harrassement I received and the late fees that are even more than my minimum payment.