davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

This is in regards to a billing dispute that occurred on my Chase Freedom Unlimited card ending in XXXX. The billing dispute I will be referencing throughout is with the merchant " XXXX XXXX XXXX '' in the amount of {$700.00} posted on XX/XX/2018. This charge was disputed because the merchant performed services that XXXX XXXX my dog. I took my dog in for XXXX XXXX XXXX  with this business. After some back and forth, the merchant assured me, in no uncertain terms, that this XXXX would have absolutely NO complications for my dog. In other words, I was guaranteed by the doctor working at this place that my dog will not experience any adverse side effects from XXXX XXXX ( much less any XXXX XXXX  conditions ). This turned out to be a complete and unequivocal LIE. After the XXXX, my dog XXXX XXXX XXXX  and experienced a XXXX XXXX XXXX XXXX XXXX. My dog, a XXXX  pound puppy, was XXXX XXXX  and howling at XXXX in the morning after the XXXX. I immediately rushed over to the nearest emergency room and took my dog in to get checked by a licensed veterinarian. I was told that my dog was on the XXXX XXXX XXXX and he very possibly could have XXXX had I gone to the ER any later. The vet prescribed some temporary medication for my dog and told me to come back later when the hospital would be running with a full staff on hand. I later took my dog in to a separate hospital where the vet was able to better diagnose and take care of my dog. All in all, this fraudulent and evil natured XXXX  which nearly took my dog 's XXXX costed me an additional {$1500.00} in medical expenses. This merchant does not deserve a SINGLE PENNY for this XXXX that not only XXXX  MY DOG ( XXXX XXXX ), but also costed me an additional {$1500.00} in otherwise preventable medical expenses.
Consumer complaint received 2018-08-01
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)

I disputed two fraudulent accounts on my credit report, and they still remain there after Experians investigation. These need to be removed as soon as possible. Experian is currently showing an inaccurate report and score. I have repeatedly been in contact with them and they have not been able to help me.
Consumer complaint received 2018-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I submitted a complaint on XX/XX/XXXX, through the CFPB Complaint Portal. Equifax responded indicating that it has already addressed my concerns through a Reinvestigation. Here is a direct quote from Equifax 's response : " Results of Our Reinvestigation are : Our records show that you recently contacted Equifax on XX/XX/XXXX via case XXXX regarding the items listed in the complaint. Reinvestigation results were sent to you on XX/XX/XXXX. The information you disputed has been updated as well as other information on this item. XXXX XXXX Account # XXXX The results are : This account has been updated. Additional information has been provided from the original source regarding this item. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *STATUS *DATE OF LAST PAYMENT *ACTIVITY DESIGNATOR *ADDITIONAL INFORMATION. '' THIS RESPONSE IS ENTIRELY FALSE. ALL OF THE ABOVE FIELDS WHICH THE COMPANY CLAIMS TO HAVE UPDATED CONTINUE TO BE INCORRECT. MY COMPLAINT SUBMITTED THROUGH THE XXXX COMPLAINT PORTAL IS BASED ON THE REINVESTIGATION RESULTS. THIS CLEARLY SHOWS THAT EQUIFAX DOES NOT PROPERLY LOOK INTO CONSUMERS ' CASE/COMPLAINTS AND INSTEAD TRIES TO PUT THE BURDEN ON THE CREDIT COMPANY/LENDER. I submitted a copy of the Equifax report DIRECTLY FROM THE EQUIFAX WEBSITE ON XX/XX/XXXX, THE REPORT OF WHICH IS DATED AS OF XX/XX/XXXX. If Equifax has properly reviewed that copy ( reattached here ) it would have noticed that my compliant is BASED ON THE REPORT THAT ALREADY REFLECTS THE REINVESTIGATION RESULTS. 

EQUIFAX CONTINUES TO REPORT MY ACCOUNT AS BEING LATE, EVEN WHEN : 1 ) The mortgage provider committed administrative error and violated the Periodic Statement Rule under 12 CFR 1026.41. 2. No one sent me any billing statements or late payment notices.

2 ) The mortgage provider violated the Periodic Statement Rule under 12 CFR 1026.41, the requirement of delinquency information under 1026.41 ( d ) ( 8 ).

3 ) I never received a notice from the mortgage provider stating that it will report negative information to the credit bureaus. This violates FCRA 623 ( a ) ( 7 ) requiring notices to consumers of negative information being reported to credit bureaus.

4 ) Furthermore, Equifax reports the account as being " NR '' ( NOT REPORTED ) in the payment history EVEN WHEN THE ACCOUNT WAS ALREADY TRANSFERRED IN XX/XX/XXXX. THE PROPER PAYMENT HISTORY SHOULD BE BLANK SINCE IT HAS ALREADY BEEN TRANSFERRED BUT IT KEEPS ON REPORTING IT AS " NR ''.
Consumer complaint received 2018-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have bought a property by owner finance and I can not get them to put mortgage on my credit report. I have paid it on a timely manner for 4 years and still not reported on my credit.
Consumer complaint received 2018-08-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MI)

Paypal is inappropriately hold my money. This has happened on the last two transactions for 21 days. Transactions on XX/XX/XXXX & XX/XX/XXXX sales ) They claim it is for one of the following reasons : Your payments may be placed on hold in your pending PayPal balance because 1. Youre a new seller with PayPal - It takes time to build history to demonstrate a pattern of positive buyer-seller transactions. By building a positive selling activity, your funds may become available immediately.

2. You have performance issues or a high rate of buyer dissatisfaction or disputes - The percentage of refunds, disputes, and chargebacks compared to sales on your PayPal account seller performance. Having performance issues increases the likelihood of received funds being temporarily unavailable.

3. The payment you received may be considered unusual for your selling pattern - You may be selling higher risk items such as tickets, gift cards, electronics, or travel packages. Unusual sales activity could also include a recent spike in sales, a change in average selling price, or a change in business model or type of item being sold. Also, if you had been selling on XXXX but are now selling off XXXX, this would be new activity. 
4. You were previously an inactive seller - You may not have sold something for a while and you have now begun selling again.

5. Youve been selling for a while but opened a new account - If youre an established merchant, but opened a new account, that account will be eligible for holds until a good history is established.

However, not one of these reasons in valid for the following reasons : 1 ) I have been using Paypal for over three years so I am not a new seller.

2 ) In the three years I have used Paypal I have NEVER had a complaint filed against me.

3 ) I have had this amount & similar amounts the entire time I have used Paypal.

4 ) Obviously, this doesn't apply as I have been selling on Paypal since I opened my account.

5 ) I haven't opened a new account & have been consistently using this account.

Please help me resolve this issue.
Consumer complaint received 2018-08-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2018 I had about {$190.00} in my Wells Fargo checking account. There were no posted check that day for {$300.00}. I checked my account frequently and there was nothing posted so my account still had money in it. There wasn't even a pending transaction for that {$300.00} check at all. The last time I checked my account on XX/XX/2018 was right before midnight. There was still no check posted and I still had about {$190.00}. At about XXXX today XX/XX/2018, I saw my account was - {$100.00}. No big deal, I will get the money into my account before XXXX to avoid an overdraft fee. I went to the ATM at about XXXX in XX/XX/2018, before the XXXX grace period was over, to deposit {$100.00} into my account only to learn that Wells Fargo has already charged me an overdraft fee of {$35.00}. I looked at my account online and it is stated that the {$300.00} check posted yesterday on XX/XX/2018 when that is not true at all. The check posted today on XX/XX/2018 but it says differently online. I find it unfair and a lie that Wells Fargo has done that. They insisted the check was posted on the XX/XX/XXXX when it did not show up on my account until today, XX/XX/XXXX. Wells Fargo refuses to refund the {$35.00} overdraft fee ( I don't make a lot of money so {$35.00} is a significant amount of money for me ) stating that the reason is because of my history of overdrafts. I may have overdraft more than once with Wells Fargo, but I managed to to bring my balance to at least {$0.00} before XXXX. Yes, I wish Wells Fargo would refund my money, but I find it much more alarming about the unfairness of Wells Fargo stating a check was posted on a day before it actually was posted as well as the unfairness of stating I have a grace period up until XXXX to deposit money to avoid an overdraft when in all actuality it wasn't given to me.
Consumer complaint received 2018-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I pay my capitalone account twice a month over the amount due billed monthly. The statement states by due date is the XXXX each month. They keep charging me late fees for paying BEFORE the XXXX and stubbornly tell me I can't pay my bill early or I'll get charged late fees of which they will not remove.
Consumer complaint received 2018-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I've been receiving unsolicited credit offers from Capital One bank in XXXX, VA, despite being registered with XXXX XXXX opt-out and XXXX. I first e-mailed Capital One, then called their customer service number several weeks ago to request my name and address be removed from their mailing list -- yet their pre-approved credit offers continue to arrive in the mail about every XXXX days.
Consumer complaint received 2018-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (UT)

I had a delinquent payment on my Chase mortgage for my XX/XX/2018 payment. When Chase attempted the ACH with my XXXX XXXX XXXX XXXX account, it failed because of the configuration of my XXXX account. Chase subsequently reported my payment as 30 days past due. I reached out to Chase and provided them with documentation by my credit union substantiating that the configuration issue led to the delinquent payment and asked them to stop reporting the delinquent payment. Despite this reasonable request, Chase continues to act unreasonably, stating they are not able to make an adjustment to their reporting because it was not a banking error made directly by them.
Consumer complaint received 2018-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (CA)

Experian charged me a monthly fee for over 8 months ( {$21.00} ) for a service I didn't request. They claim that I gave them authorization to charge my credit card monthly, after signing up for a {$1.00} promotion on XX/XX/2017. If I didn't cancel the promotion within 7 days they started charging me the full monthly amount. I never received updates via email letting me know how my credit was doing so I wasn't aware I was being charged. Yesterday, XX/XX/XXXX, I looked at my credit card statement and noticed a pending charge of {$21.00} from Experian. I went back to see how long this charge has been hitting my account. I saw monthly charges starting in XX/XX/2017, and realized that they'd been charging me monthly since then- that's over 8 months! I did not authorize these payments - the only charge I authorized was for {$1.00} back on XX/XX/2017. 
When I finally got through to an Experian customer service rep, they said they could only refund the current month 's charges - XX/XX/2017.  They said that by authorizing the {$1.00} promotion, if not canceled within 7 days, they would continue a monthly charge of {$21.00} to my credit card. 
I'm disturbed by this practice, along with the fact that to cancel the membership I had to input my social security number on the telephone, instead of asking for an account number as a reference. I feel taken advantage of financially, and am angry about their lack of transparency and communication. It just felt sneaky and predatory.
Consumer complaint received 2018-03-09
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Rocky Mountain Recovery Group (OK)

First, this company was repeatedly calling a friend whose number was not an authorized way for them to contact me. They called her multiple times daily over the past two weeks even after she told them not to contact her. She gave me their info and I callled them myself. The woman I spoke to refused to send me a statement of my debt on paper or any other form of validation of my debt. I tried to explain my medical situation to explain why I havent yet been able to pay and can not make a payment today. She refused to accept that I can not afford a payment at this time. She stated I was refusing to pay even though I can not pay. I said I would be happy to attempt to work something out in the near future and again asked for a statement to be mailed to me ; she again refused. She mocked my illness and insinuated I was lying about my situation. So again, two major issues : repeated calls to a third party, and they refused to send me validation of my debt so that I can plan for future payments ( or dispute the debt if it turns out not to be mine ).
Consumer complaint received 2018-03-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (CA)

This is a re-submission of the original complaint below because this company responded to my complaint with a response to someone else 's complaint, XXXX XXXX ( attached ). I have never defaulted on an account, made a late payment, left a debt on an account or otherwise caused a loss to Chase. Chase should be a little more careful with its customers ' data. I also returned the call placed on XX/XX/18 of the Chase representative assigned to this from the Office of the President,  XXXX, as she was away from her phone, but I never got a call back. The last 4 of my SSN are XXXX. Thank you. 

I am submitting this complaint because this bank is continuing to deny my applications, this time one for a checking account, three years after shutting down a single XXXX XXXX credit card because of too many inquiries. Since this, I also tried to open a XXXX XXXX card and received the denial reason of " Previous unsatisfactory relationship with bank ''. I understand their concerns then since my credit file was a little thin and new but clearly today is different with a > XXXX credit score. I  have never defaulted on a loan or even ever been late with a payment and have thus clearly demonstrated being a good credit risk, at least for a checking account. I opened this account because of the convenience of a branch to my home. I am kindly asking for this to be reconsidered due to the time that has passed and also it being based on actions I didn't even know were a problem. I am submitting this request through the CFPB because it is the only effective way to reach the Office of the President. Thank you.
Consumer complaint received 2018-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ABR Recovery Services LLC. (PA)

There is an account that is on my credit report with arb recovery services that is in a derogatory status. I had paid this account off with another creditor in XX/XX/2014. I contacted ABR Recovery services and they advise that they have removed me from their files and they have contacted XXXX  and reported to them that the account has been removed. This is still showing on my credit report months later. I tried to file a dispute with XXXX  and they report that the account is correctly reported on my file. I have filed a complaint with ABR recovery services and they advise that the issue is resolved on their end ( see attached complaint form from your office. ) I tried a second dispute with XXXX and their system will not let me file a complaint online. I am in the middle of trying to purchase a new car and can not because this negatively effects my credit. I have not had any issues like this until the XXXX breech. 
XXXX AND ABR RECOVERY SERVICES SEEM TO HAVE INEFFECTIVE COMMUNICATION.
Consumer complaint received 2018-08-01
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: Diversified Consultants, Inc. (MD)

I have written by US Mail and made numerous phone calls to have information corrected and updated on my credit report. I have notified the collection agency as well as all three credit reporting agency 's with proper identification along with a copy of my social security card. I've never applied for or authorized anyone for any kind of service at XXXX. The information that I have received from the past, XXXX, XXXX  and XXXX XXXX have not physically verified this inaccurate information, collection companies verbally reported information to the credit bureaus as verified. This reckless reporting tactic from the collection company as well as credit bureaus has cost me a great amount of hardship during my search for employment and seeking a government security clearance. This debt of {$1500.00} does not belong to me, I will be consulting with an attorney for possible damages caused by the inability to obtain employment pending the out come of this matter.
Consumer complaint received 2018-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I went to try and get a car and was told there are bankruptcies on my credit. This information is not correct as I have never filed for Bankruptcy ever in my life. Please have bankruptcies removed from my credit immediately.
Consumer complaint received 2018-08-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HUNTINGTON NATIONAL BANK, THE (KY)

During the month of XX/XX/2018 I made two payments to my loan so that I would be ahead. One payment was made on XXXX and the other on XX/XX/XXXX. I noticed when I made the payment for XX/XX/XXXX that my payment for XXXX had not posted to my account. I called my local bank who ensured me that the funds were removed from my account and they were able to send me a copy of the electronic check. Since then I have called my loan company, Huntington National Bank, four times and keep getting different stories from them. The first time I was told that the payment was not received, second was that the payment was returned, third time I was told that the payment was put onto a different account that they would fix it ( this was after the geniuses processed a missing payment request for my payment made on XX/XX/XXXX ), and the fourth time they tried to tell me that they had no record of a payment attempt for that day even though I have my payment confirmation code. My loan company keeps trying to tell me that the payment was made from an account that does not exist. They tell me that the account number used for the payment is an invalid account number. The same day as my fourth call I reached out to my local bank who holds my checking/savings account and they offered to call my loan company themselves. My bank rep ensured them that, dispite their multiple claims of the contrary, the funds were infact released to them from my account and that the account they keep claiming not to exist is a valid account. I have offered on many occasions to send them a copy of my electronic check ( which has the account number they claim to be invalid, their company name, and my loan account number ) but they will not give me that option. I was told last week that I was going to get a call from ... someone ( they wouldnt give me a name or title ) but was honestly not surprised when that call never came. My local bank says its too late to dispute the charge and my loan company keeps saying there is nothing that they can do. I am currently out {$500.00} and feel like my loan company isnt even really trying to figure out what the problem is.
Consumer complaint received 2018-08-01
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. (GA)

There is an account listed under closed accounts on my report. XXXX 's, accct # XXXX. I have disputed this acct numerous times and everytime it comes back the same. They do nothing to correct it. 
This account is listed on my report under CLOSED accounts, and Charged off. 
Yet my report shows a balance of {$240.00}. If this account was charged off, the bal should be XXXX. 
Also if it is Closed, How can it show a past due balance?? As of this moment in time, it says I have a past due balance of {$80.00}. 
And I would like to know what the difference is between a status update? and a Balance update?? 
This account is also NOT a unsecured loan. It was a revolving account. A retail credit card. XXXX is a department store. 
I have one more question. Why does my payment history ONLY show the negative marks?? If you look at my payment history, it says no info available, accept at various spots .. where it says in delinquency. Like I said, I have asked more than 5 times, that this account be corrected. I also think it is interesting that this creditors contact information states ... BY MAIL ONLY! So I can not call them???