davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-03
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: JPMORGAN CHASE & CO. (IL)

JP Morgan owes my student loan # XXXX but their servicer XXXX XXXX XXXX changed my due date from the XXXX which I had for several years was changed without my permission to the XXXX which will not work my pay cycle all my other loans are due on the XXXX, and I have tried to change it many times but I kept getting told different answers, I do not know why my due date keeps getting changed. I believe that is illegal to go in and change any due dates unless I asked for them to be changed. I have tried to discuss other matters with CHASE but they refuse to discuss anything with me, they are still responsible for any actions that XXXX takes on loans because they still own this debt, if XXXX does not get its act together I may have file bankruptcy and that way no one would get anything. It is difficult to get a bankruptcy that includes student loans but based on the numerous actions taken by XXXX, I may not have a choice. I have a controlled XXXX XXXX XXXX but everything I talk to XXXX, my XXXX XXXX level goes up, I had to go to the emergency XXXX night because of them. My doctor advised me to have them contact me by email only because talking to them is no longer a good option. XXXX XXXX is a known liar and will not take the time to actually investigate a complaint, I have filed numerous complaints inside XXXX and I do not hear anything. Chase has a part in this also, they think because they do not do anything with the loans, they do not have talk with me but that is not true. Per the Consumer Financial Protection Bureau, you have a duty to deal with the complaints, you will only contact XXXX for their side of the story which is not a real way to solve a complaint. XXXX is a horrible servicer and I wish not to deal with them anymore and would rather file bankruptcy so I can have a healthier life.
Consumer complaint received 2016-05-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (VA)

I am filing this complaint because XXXX has ignored my request to provided me with the documents that the company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30-day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you
Consumer complaint received 2015-10-16
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (CT)

i got a approve for a charge card and a business card blue.I was paying on time minimum Payment! On XXXX cards, then a bill come on then out the blue sky i get a bill with no minimum so i call and was told policy change and i now can only pay minimum on the credit card blue business card, But the XXXX card need to be payed in full AND WHERE DEACTIVATING YOUR XXXX BUSSINESS! I told them im running a business and they said okay you can get XXXX swipe to order inventory .you think it happen absolutely not! i told them this is fraud! I Kinda new something was getting fishy when every retailer here in connecticut including the XXXX DO NOT ACCEPT AMERICAN EXPRESS THERE REPLY WAS THERE TRICKSTER! 
& experience is the best teacher! my cash advance atm was cut short no bank would give me the rest of the money i went every bank! american express short change trick me!
Consumer complaint received 2024-10-02
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: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Complaint XXXX XXXX XXXX XXXX for XXXX Charge-Offs, Failure to Issue XXXX Forms, and Mishandling of Debt Accounts Dear CFPB, I am filing a formal complaint against XXXX, XXXX, located at XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, for XXXX handling of XXXX debt accounts, XXXX ( amount {$XXXX} ) and XXXX ( amount {$XXXX} ). I believe that XXXX has engaged in unlawful and deceptive practices that have caused significant harm to my credit and financial standing. 

XXXX. Multiple Charge-Off Reporting XXXX  has XXXX multiple charge-offs on my credit reports for these accounts, which is a violation of credit reporting laws under the Fair Credit Reporting Act ( FCRA ). A charge-off is a single event, but XXXX has XXXX reported it numerous times, severely damaging my credit profile. This misrepresentation of the status of the accounts should not be tolerated. 

Given the egregious nature of these multiple charge-offs, I am requesting the complete deletion of these accounts from all credit reporting agencies ( Experian, XXXX, and XXXX ) XXXX Simply correcting the errors or consolidating the charge-offs will not suffice, as the improper handling of this situation has already caused long-lasting harm. 

XXXX. Failure to Issue XXXX Forms XXXX has XXXX failed to issue IRS Form XXXX for the charged-off amounts, as required for debts over {$XXXX}. These charge-offs should have triggered the issuance of a XXXX, but I have yet to receive these documents. This failure to comply with IRS regulations raises questions about the legitimacy and handling of these accounts. 

XXXX. Continued Collection Efforts Without Verification Despite the accounts being charged off, I continue to receive collection efforts from XXXX without any valid proof of the debt. I have not been provided with : Full account history or itemization of charges. 
A copy of the original signed agreement related to these debts. 
Proof that XXXX has the legal right to collect on these accounts. 
Request for XXXX : XXXX and full deletion of these accounts from my credit reports, given the multiple charge-offs and unlawful actions. 
Investigation into XXXX failure to issue XXXX forms for charged-off debts. 
Confirmation that no further collection efforts will be made without proper verification of the debt. 
XXXX actions constitute a violation of both the FCRA and FDCPA, and I ask that the CFPB fully investigate these practices. Their conduct has caused significant harm to my financial standing, and only the complete deletion of these accounts can rectify this damage. 

I appreciate your prompt attention to this matter and look forward to a resolution that upholds my consumer rights. 

Sincerely, XXXX XXXX
Consumer complaint received 2015-08-06
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I am with bank of america and I have a core checking account. I have recurring monthly charges to be billed to my account, and in XX/XX/XXXX and XX/XX/XXXX i was charged overdraft fees for services which automatically billed, and the bank determined to clear on the own volition. I did call into bank of america on XX/XX/XXXX and was advised by the supervisor that the fees were valid, and that i had no right to their return, even though i had originally requested a bank account that would not let that happen. I was then advised that the checking accounbt i was in, allowed for those to go through, i could not stop it, burt i should have been originally set up in a " safe balance '' account. this is a checking account from bank of america that does not allow those charges to go through. I was never advised this bank account existed previously. the person at the branch did not ever advise me of this bank account even though it best suited my needs and requests as a consumer when i opened my account in XXXX of XXXX the banks website does not offer the checking account product to someone going to open a checking account online. the supervisor came back and was unablke to show me on the website where the safe balance checking was offered as it isnt. consumers who do not want their debits to go through without proper funds in their account have no option online or available in the branches if they do not specifically know to ask for that specific account. i was told wiith my account it wouldnt happen, and yet it did. the supervisor did refund the {$70.00} in fees at the end of the call, but also stated there was no way for a consumer to know about the other account unless specifically offered it.
Consumer complaint received 2015-04-04
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (CO)

I had a home in XXXX, CO. and lived there with my wife. Her mother got sick and she had to move to XXXX XXXX, CO to take care of her. I stayed for a couple more years before I could transfer to a job closer to her. We rented the house for a while but when the renters left we could n't make the payments and the home was forclosed on. We filed backruptcy and the house was surrendered to the lender. 3 years later, and the bankruptcy is done, and we were looking to buy a house close to her mom in XXXX XXXX. The forclosure put us on the HUD XXXX list and we are n't eligible for a VA loan. The mortgage company has not filed a claim for the FHA loan so the 3 year waiting period to be eligible for a VA or FHA loan has n't even started yet, even though they have had the home back for all these years. We need help in getting the lender to make their claim to the HUD so we can once again be eligible to get a loan.
Consumer complaint received 2015-03-19
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (MS)

I applied for a loan with XXXX XXXX and had purchased XXXX vehicle during the month of XXXX 2014. I was told that I would be getting a good deal on the vehicles in which i purchased. I later found out that the interest rate charged for the loans at the time was almost XXXX times that of the average consumer for the credit score that I had and when I came back to speak to the finance manager. The dealership had let her go for fudging many of the loans and jacking up many customers interest in order to make a higher commission and she was no longer employed with the company due to her increasing many loans on the interest that some of their consumers were paying. The dealership as of today 's date has never contacted me and had i not inquired I would have never known the truth. When I applied my credit score was showing XXXX approximately and thought that I would get the lowest interest rate at the dealership offered but instead I received an interest rate that was nearly XXXX of that of the regular consumer. I am requesting an investigation on the lending of loans and services of this company based on the following Discrimination based on race, and color, gender for I was charged a higher rate than other consumers of a different race, gender or color I request an immediate investigation on the loans that were processed during the time that I applied and it will show this to be a everyday factor practice based on race and to investigate the transactions of this company and how they are advertising a certain price and then selling their vehicles for more than the advertised price. It is like a bait and switch on the consumer. Predatory lending has clearly been an everyday factor in order for the finance department to make a better commissions on the consumer who is not aware of how the process works. I was charged a higher rate for no reason other than greed. Fair and accurate transaction was not taken into account by dealership. Equal credit opportunity act has been was not taken into account. Gramm leach biley act was not taken into account. After purchasing the vehicle I was called back into the office to sign more paperwork again after the vehicle was in my possession for more than a month. I was told that it was necessary in order to get my military discount. I never got the discount on my vehicles and the price of the vehicles was sold for more than they advertised which I later found out from the XXXX ledger. I am still trying to figure out where is the discount and why was I charged a higher interest rate and why did the finance manager deliberately fudge my loan. consumers of a different race who have purchased from this dealership have lower interest rates than mine with lower credit scores than what I had when I purchased my vehicle. As of today 's date their is no discount, higher interest rate, higher price paid for vehicles and the military rate was applied later and went somewhere else for all I know. It is truly a shock to me to see a dealership do this to a consumer.
Consumer complaint received 2015-06-19
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (CA)

I have been a customer with Wells Fargo for nearly 20 years -- we have our checking, savings, credit card and mortgage accounts with them. In XXXX I called Wells Fargo XXXX Customer Service and asked them if there would be any issue depositing a check from a XXXX bank ( in XXXX XXXX ) into my Wells Fargo checking account. I was told that there would be no issue as long as the check was taken inside a branch and the deposit was made with a teller. Based on this information, I requested the check from the company in XXXX and paid for it to be send via XXXX to me. Upon receipt of the XXXX XXXX check ( approximately {$1200.00} USD ) on XXXX XXXX, I went to my local bank branch and was able to deposit the check without any problem after the service manager gave her approval on the back of the check. The funds remained in my checking account until XXXX XXXX when after checking my account online, I found that the funds had been removed from my account and the check was returned to me along with a letter explaining that it was Wells Fargo 's policy since XXXX 2014 to not accept checks from XXXX banks for immediate deposit. The letter explained that it had to go through a collections process to recover the funds which could take between 4-10 weeks. To ensure that I had not heard the XXXX customer service representative incorrectly, I called them again and asked the same question -- I was told the same answer : there would be no issue as long as the check was taken inside a branch and the deposit was made with a teller. At no point was I told that it was Wells Fargo 's policy to not accept foreign checks for immediate deposit and at no point did they point out that the check would have to go through a multi-week collections process before the funds would be deposited into my account. Unfortunately, after repeated calls to the Branch Service Manager and the Branch Manager, they were not willing to fix the mistake that they had made. At no point did I bounce any checks or overdraw my account, but as a long-term loyal customer of Wells Fargo, I am not being treated fairly.
Consumer complaint received 2015-04-03
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: TD BANK US HOLDING COMPANY (NJ)

I already have a complaint on file with TD bank for another issue .... 
Case number : XXXXNow after doing a 'bait & switch ' to counter-offer for a higher interest rateafter they said the appraisal was too low ... .we ask for another appraisaland we practically find the comps ourselves ... ..it comes in XXXX higherbut we are still denied despite our XXXX + credit scores and low debt thatbecause we live in a XXXX and older community or age-stricted that we are denied. 
This after XXXX weeks of back/forth and at least XXXX letters of conditional approval. 
First it appears to be age discrimination, second why would n't that be on their applicationprocess before wasting our time and theirs. Something smells fishy.
Consumer complaint received 2015-11-30
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ProCollect, Inc. (TX)

Attached is a copy of a collection letter from ProCollect addressed to my deceased wife, XXXX XXXX, who died on XX/XX/XXXX. Approximately 2 years ago, ProCollect started contacting my wife by phone/mail regarding this debt. At that time I contacted ProCollect by phone regarding the alleged debt and was told that it was for an emergency room doctor who treated her at XXXX XXXX XXXX prior to XX/XX/XXXX. ( I do n't recall the exact year, but it was prior to XX/XX/XXXX. ) This was the first contact that I can recall that was ever received regarding this debt. I verbally explained to ProCollect that it appeared that the Texas statute of limitations ( 4 years ) had expired on the debt and that I could not verify the fact that my wife owed the debt. I disputed the debt in writing and asked for verification, but received no reply. ProCollect has phoned many times ( not less than XXXX times ) and has sent many letters ( not less than XXXX ) to my deceased wife regarding this debt. The actions by ProCollect are a violation of the Federal Fair Debt Collection Act.
Consumer complaint received 2015-05-14
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

my ex wife made charges and balance transfers to my cc without my knowledge i filed a dispute and they denied said they verified i owned the accounts of the balance transfer, i called the banks involved first merit and barclay card and they verified that i have NO accounts they are trying to hold me responsible for this fraud and are violating the FCBA, then she told me to goto bank of america branch and i told her i dont live close to one the nearest one is XXXX+ miles away she said will i need to go she is making it hard for me and im not healthy too i just had XXXX
Consumer complaint received 2015-04-06
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: Experian Information Solutions Inc. (AL)

When requesting our annual credit reports we also will pay to receive our Credit Score at the time of the report. Experian does not properly disclose ( uses " mouse print '' ) that when you pay {$4.00} for the credit score you will be automatically enrolled in a credit score monitoring membership that the consumer is responsbile for calling within a 30 day window to cancel without charge ( {$19.00} per person/per month ). There is no acknowledgement required on behalf of the customer that you agree to this - other than indicating you want to get your credit score. I have been charged for both myself and my husband in XXXX and XXXX 2015 after pulling our initial credit reports and scores in XXXX 2015. I contacted Experian today and they canceled my " membership '' and after I mentioned I would be filing a complaint with the CFPB they were " able to refund one month of charges '' but that would be all. I work for a financial institution and I find it appalling that Experian is able to do this to consumers without requiring their confirmation/acknowledgement of accepting the service and the associated charges.
Consumer complaint received 2015-06-19
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY (MA)

As of XXXX XXXX of my checking accounts had a balance of $ XXXX XXXX a XXXX XXXX debited {$18.00} from that account leaving a balance of negative {$15.00}. The same day, after work at about XXXX, I went directly to a TD Bank ATM and deposited enough cash ( {$16.00} ) to cover the negative balance. I received a receipt dated XXXX with a current and available balance of {$0.00}. 

The following day I checked my account to find that:1. TD Bank assessed a {$35.00} overdraft fee2. TD Bank returned the XXXX transaction ( as if it had not been covered by the deposit ) 3. TD Bank dated the cash deposit XXXX not XXXX despite it being just $ XXXXMy understanding of TD Bank 's own funds availability policy is that any deposit made before XXXX will be credited the same day, and any deposit made after XXXX will be credited the following day. However, the policy also clearly states that the first {$100.00} of the deposit will be " made immediately available ''. And that was reflected on my receipt dated XXXX where the deposit was applied toward the account balance. However, TD Bank 's actions on XXXX suggest otherwise.
Consumer complaint received 2015-06-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (NJ)

Dear Sir/Madame, And thank you in advance for your courtesies and assistance. In applying for a student loan I noted that from one moment to the next I was denied. My initial application stated that I needed a co-signer, and in the interim of providing that information, I was notified that a loan was not possible. As this bank just provided a loan for last semester, I was rather flummoxed as to why I can not obtain a loan, especially with the very same co-signer, who has a slew of accounts at the bank, most of them holding the maximum insurable by the government. 
Upon further investigation, I noted that my credit report included NONE of my employment history! NONE! How could this have been possible? They have page after page of other information, but a VITAL piece of information such as employment is rather difficult to fathom. I have been working steadily and consistently since 2008, full time. And there is not one mention of any employment whatsoever. It pains me to realize how error-ridden this report is, and how long it has been going on. I never checked my credit report, and that is my fault. But to have such an erroneous notation! NO EMPLOYMENT HISTORY. Only a slow and focused review will illuminate the many errors lurking beneath. I hope to amend this complaint whence such a review can take place. I am forwarding this as quickly as possible, in essence of time, and to get the issue resolved. 
I thank you immensely for your time, your courtesies and your assistance, and I look forward to hearing from you once you have had time to investigate this matter further. I bid you a good week, and more importantly, lovely evenings when you arrive home. Thank you again.
Consumer complaint received 2015-10-15
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY (NC)

XX/XX/XXXX I signed up for a Wells Fargo XXXX XXXX card to take advantage of a XXXX, no interest financing for an engagement ring purchase. I began to make payments to the outstanding balance appropriately so that the balance would be paid in full in exactly 12 months. XX/XX/XXXX, I decided to add additional wedding jewelry purchases to the card and assume a new 12-month no interest financing offer. I continued to make payments on the card to pay off the first balance by the XX/XX/XXXX deadline. I later discover that the payments were being applied to both financing offers through an inexplicable system algorithm, and that while I thought I was paid in full by XXXX, their system showed an outstanding balance on the first offer. They then proceed to exercise their clause to charge 27.99 % APR on the remaining balance. 
When I called to ask for remedy through changing how the payments were applied to each offer, they alleged that they had no ability to control how the payments were applied and could not give me " credit '' for having paid the first full balance by the 12 month deadline. They then offered to reduce the total interest charge by 25 %, and were unwilling to accept a counter-offer of something which I thought was more reasonable, which still accepting fault for something I ( and they ) could not control. I called to request audience with a level of management above the Supervisor level but was denied. I am disappointed with Wells Fargo Financial National Bank and their inability to accept responsibility for maintaining a system which has full control over people 's financial matters with no ability for human override.