davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-06
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: JPMORGAN CHASE & CO. (NC)

On XX/XX/2016, my husband drove my son 's XXXX to XXXX in XXXX, NC. I followed him so we could leave the car there. After receiving a call from XXXX, the owner, that the car was ready, we went there, paid the bill, and left. Over the next few days, the car began to run nearly as bad as it did when we initially dropped it off. My husband and I went to XXXX to ask XXXX XXXX about the repairs. This is when the problems began. We agree the radiator repairs were completed satisfactory, but there have been consistent issues with how poorly the car runs. Since our initial claim with XXXX and Chase, we have consistently been denied any form of resolution. Chase finally indicated we needed a third party appraisal. My husband contacted XXXX other repair facilities, but after receiving Chase 's final denial letter, my husband called the XXXX repair facilities and no one indicated that Chase had made any form of inquiry. My husband requested that Chase provide us with written documentation explaining their findings as to why they denied my claim. My husband finally spoke with XXXX, a female at Chase. She denied any additional information and stated that since I had received the final denial letter, she would not discuss the issue any further and refused to provide any verbal communication or written documentation explaining their findings as to why they denied my claim. I have provided additional documentation with this claim. Chase has provided no help to me, the consumer, but had rather defend the business rather than their customer. Additionally, XXXX claimed we had not contacted him about this issue after the initial repair and he also told this to Chase. I have included a copy of the XXXX 's certified receipt where my certified letter to XXXX was received.
Consumer complaint received 2016-04-26
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (AZ)

I bank with Chase Bank and use the ATM regularly for deposits and withdrawls. Their advertisement in XXXX on the ATM 's for several months past has been that you can deposit cash in the ATM until XXXX to receive same day credit. On XX/XX/XXXX I made a deposit of {$100.00} into the ATM to cover charges that had been made in my account ( @ XXXX XXXX TIME ). This deposit left me a positive balance. The next morning I had a text alert on my phone that my account was overdrawn, after further review, it appears I was charged XXXX {$34.00} fee 's for insufficient funds. I called the bank to understand why this happened and was told that my deposit was not submitted by XXXX EST ( which would be XXXX XXXX local time ). I was offered a refund of XXXX {$34.00} fee and was told I had to ask the branch for the other XXXX. My concern aside from the fee 's in this case is that there is a different treatment based on time zone. Someone in XXXX, has 2-3 hours more leadway than someone in XXXX to make cash ATM deposits to not get a fee. This is unfair treatment and segregation based on time zone. I would imagine this is a UDAAP concern and that is the reason for me bringing this to the attention of the CFPB since Chase did not understand my concerns for this desperate treatment. I am requesting all XXXX fee 's are refunded, in addition, I am requesting I be compensated appropriately for my time dealing with this matter.
Consumer complaint received 2024-09-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION (FL)

None of your options include issues with safe deposit boxes. This is the issue Ive had. I co-rent XXXX XXXX XXXX with my mother, XXXX XXXX at Regions Bank, XXXX XXXX XXXX, XXXX, GA XXXX. XXXX had the box since about XXXX. Over the course of the last XXXX years, Ive accessed it maybe XXXX or XXXX times. The last time I accessed it was in XXXX to get the title to my truck out of it. In addition, I had XXXX XXXX ounce gold coins and XXXX XXXX ounce silver coins. I left these coins in the box. My mother XXXX XXXX went to the bank on XX/XX/XXXX to get the coins and bring them to me since I had moved to Florida in XXXX and she was going to be visiting me. When she went that day on XX/XX/XXXX, the box was already open and the coins were gone.
Consumer complaint received 2016-09-30
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: Fidelity National Information Services, Inc. (FNIS) (AR)

I had an account opened at XXXX without my knowledge. My identity was stolen several times by unknown persons. There have been several ID complaints files with FTC. So I had to file bankruptcy because of the theft. I contacted ChexSystems about accounts at XXXX to be removed from file an the refused to remove. These accounts were discharged in a chapter XXXX XXXX/XXXX/2013. They want remove because bankruptcy was filed before they were reported to them. Well quite natural the accounts were closed way before they got reported.
Consumer complaint received 2017-02-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (WA)

Experian investigated the bankruptcy on my credit report but did not provided information on how they verified this debt. They have not provided he source and I know what do to other issues on my report I have frozen my lexis Nexis report. I do n't believe they actually researched this item. I contacted XXXX XXXX on XXXX XXXX, 2017 & spoke to a rep by the name of XXXX & she assured me that NO ONE from Experian verified anything in regards to my credit file & that my XXXX XXXX file is been frozen. I also contacted the XXXX XXXX XXXX on the same day & was also told that NO ONE from Experian verified any type of bankruptcy. I can provide documentation show I have a closed XXXX XXXX account if needed. But I would like this credit agency to provide proof as well. Rest assured that if Experian does n't comply, I 'm fully prepared to move forward with a lawsuit that 's in accordance with the FCRA & other laws.
Consumer complaint received 2016-05-27
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

I applied for a Citigold checking account with a promotion offer that earns XXXX XXXX XXXX miles after completing a set of requirements within 3 months. After a month of opening the account and meeting the requirements, I sent a secure message to confirm that I met the requirements and a representative confirmed that I met the requirements and that my account is eligible. After waiting 90 days after statement close of the statement where I met the requirements, I inquired again to ask that the miles be credited since I met the terms of the offer. I got a response back saying that an investigation would be opened to determine if I was targeted for the offer, and that if I was, the miles would be credited after another month. Two weeks later, I replied to ask that an investigation be reopened since I never heard back. Now it has been over 10 days, again with no promised response. Citibank should honor the terms of the bonus and stop trying to mislead people and collect more account fees.
Consumer complaint received 2017-02-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Consumer Financial Protection Bureau, I am very excited to have found you and know that you will be able to help my situation. 

Right now, my husband and I are closing on our house on XX/XX/XXXX ( 14 days from now ). When we obtained an updated copy of my credit report, I noticed that there are 90 day late payments on my XXXX student loans that are being serviced by XXXX. Acct # XXXX. 

Additionally, they are reporting an " Account Status '' as " Currently 90 days late ''. 

Attached is a faxed document from XXXX showing clearly that my account is current and NOT 90 days late. 

My experience in legal matters is extensive in knowledge of the Fair Credit Reporting Act. The Act specifies prohibited practices in the payment reporting guidelines. There can not be a 90 day late payment unless there is also a corresponding 60 day late payment and a 30 day late payment ( credit report attached to this investigation request ). 

I request that Transunion remove the illegal 90 day late payment history for XX/XX/2017 for all XXXX of the XXXX accounts # XXXX. Also, change the " account status '' from currently 90 days late to " Currently Paid or Paying as agreed ''. 

Thank you VERY much.
Consumer complaint received 2016-10-01
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (FL)

This is actually a follow-up to a CFPB claim with reference number XXXX. I was n't able to respond to it online, so I 'm filing a separate claim. Please, read it in its entirety before sending me a template response, thank you. I 'll let you look up the specifics of the original complaint, so let me address your response letter I just got in the mail. 
In the letter you are telling me that my XXXX points were not available at the time of conversion. 
This is incorrect because they were available for redemption or mileage transfers, so how could they be simultaneously pending? I 'm attaching a screenshot that shows XXXX were EARNED. That 's similar to saying that a person is still pregnant after giving birth. 
The bonus is listed in " earned '' category, nothing pending about that. When I logged in prior to this debacle, my account showed XXXX points and underneath of it it clearly said " available. '' You ca n't have points available and pending at the same time. It 's a contradiction. 
You are also telling me that the CSR was referring to my earned points, not the bonus, since unbeknownst to me and I 'm guessing him too, the bonus points were under review. This is ridiculous on so many levels. Surely, any well-trained CSR would mention to the customer a " small '' issue of losing XXXX points if they go ahead with the conversion. Are you telling me it 's a conspiracy and you wanted me to lose the points? 
By that logic, the clawback should be in " pending '' status as well, and you should let me upgrade back to Platinum product. It 's only fair. 
I will be more than happy if you convert XXXX card back to Platinum and charge me the annual fee again as long as my XXXX points get reinstated. If you fail to do so, I plan on filing a small claim to seek damages. Be aware, I plan on demanding compensation for my time as well. I 'm also thinking about pursuing arbitration. Make no mistake about it, I 'm not planning to let this issue drop. I 'm hoping you can reinstate the points, so we can move on from this ordeal. It 's up to you now to resolve this issue without going to court. Thank you for your cooperation.
Consumer complaint received 2017-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (OR)

Online system for Experian gives this as a response upon requesting my report : " A condition exists that prevents Experian from being able to accept your request at this time. '' Happened today, and XXXX months ago as well when I tried to get the same report.
Consumer complaint received 2016-10-01
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Firstsource Business Process Services, LLC (OH)

In late XXXX, early XXXX I went to XXXX XXXX XXXX in XXXX CA for an XXXX. Shortly after I lost my job and was not able to pay my bill and the account went into collections until I was able to pay. To my knowledge, I had paid my account in full of {$330.00} to XXXX financial services, and never showed on my credit report. 

Within the past year I have noticed that OneAdvantage is showing on my XXXX report for currently {$130.00} and Firstsource Advantage for {$130.00} on my XXXX report. These accounts ' amount increases over time and sometimes they are different amounts. They both say the original creditor is XXXX XXXX XXXX XXXX and that the account has been opened since XXXX of XXXX. 

To the best of my knowledge, I have paid all of my debts to XXXX XXXX XXXX. Neither of these collection agencies have ever contacted me by mail, or by phone. The only credit agency that has contacted me was XXXX, and like I said before, I paid my collection account in full. 

When I check the websites for these collection agencies, they ask for an account number in which I do not have - before I can move on further.
Consumer complaint received 2016-04-26
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: TOTAL MORTGAGE SERVICES LLC (AZ)

This has absolutely been the worse experience I have had with a lender. They have caused much distress and sadness in our family. We filed our Application with Total Mortgage Address : XXXX XXXX XXXX, XXXX, CT XXXX on XXXX XXXX, 2016. Our signing date was to be XXXX XXXX and closing date XXXX XXXX, 2016. Total mortgage missed our signing date and closing date. Did not find out until XXXX XXXX that the house would not close on XXXX XXXX. We were due out of our rental home on XXXX XXXX. They almost made us homeless. Thank goodness our landlord let us stay. 

They stated to our lender that they sent out closing documents on XXXX XXXX but the documents did not show up until XXXX XXXX. Their sales person sent us an email right after the documents were sent to disregard the closing documents that it was sent in error. 

Per their website : 30 Day Guarantee Need to close on your new home quickly? 
We guarantee that we 'll close your purchase within 30 days. * Otherwise, we 'll make your first mortgage payment As you can see, this did not happen. We are still in limbo. They have disregarded the VA regulations and the email from the manager that was sent regarding our loan. They cost us {$490.00} in appraisal fees and {$1000.00} penalty fee ( normally {$250.00} a day ) to our builder because they did not close on time. They told our lender that this loan would get done and as of XXXX XXXX, 2016, nothing has been completed nor communicated on this loan. I want people to be aware of this companies false hopes. I would like for them to refund my fees for not closing on time.
Consumer complaint received 2017-02-17
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Centric Asset Management Inc (ME)

Centric assets keeps calling my work after I told them not to. A XXXX XXXX keeps calling treating to call my superior. 
I told not to call my work that I am notallowed.personal calls. 
He also harassed the people that work there.
Consumer complaint received 2016-05-29
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I had XXXX credit cards with Capital One at an introductory rate of 12.99 %. I have had them for several years but I recently paid them off and kept receiving bills for interest charges at a rate of 25.93 %. They would not reduce my rate below 20 % and said they could not lower it below the introductory rate. When they checked the introductory rate they told me it was 22 % which can not be true as I do n't use credit cards that often and certainly am not going to pay that kind of interest. I believe Capital One is being unfair in their interest rate practices. I paid these cards in a timely manner and always paid more than the minimum due? Changing interest rates at random should not be allowed. They do n't put a note on your bill telling you your interest rate has changed. They just change it. With the prime rate being low these credit card companies should not be allowed to charge this kind of interest. I have paid and cancelled these cards. They will no longer be able to rake me over the coals with their high interest rates.
Consumer complaint received 2024-09-27
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (TX)

Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Comenity Bank regarding what I believe to be deceptive billing practices that have severely impacted my financial situation. 

In or around XX/XX/year>, I made a purchase using a promotion offered by Comenity Bank that provided 24 months of interest-free financing. To ensure I remained compliant with the terms of this promotion, I promptly set up an auto payment for the minimum amount due on my account. My understanding was that this would cover my obligations related to the promotional offer. 

Approximately one year later, I made an additional purchase using the same promotion. I assumed that my auto payment settings would continue to automatically cover the minimum amount due, as I had previously established. However, to my shock, I was recently notified by XXXX XXXX that one of my accounts had exceeded the credit limit. Concerned, I contacted Comenity Bank to investigate the issue. 

During my conversation with Comenity Bank, I was informed that their billing system does not automatically adjust auto payments when new purchases are made. This means that even though my obligations were increasing, my auto payments remained tied to the original amount I set up, which led to an unintentional failure to cover my balances over time. I was further told that the auto payment option I selected is based on a specific amount, despite the label indicating it was for the minimum payment due. This information is alarming and highlights a lack of transparency in their billing practices. 

If Comenity Bank 's claims are accurate, I believe I should have been charged a late fee when I failed to meet the adjusted minimum payment amount a year ago. Such a charge would have alerted me to the fact that my financial obligations were increasing. However, I never received any communication regarding changes to my payment amounts or missed payments, despite making payments of {$5400.00} over the past 24 months. 

Overall, I find it deeply concerning that Comenity Bank has not taken responsibility for this situation. I have never missed a payment, and I have actively stayed engaged in maintaining my account in good standing. The lack of notification about the increase in my minimum payment and the inability of their auto payment system to reflect my new obligations feels intentionally deceptive. 

In light of these issues, I respectfully urge the Consumer Financial Protection Bureau to investigate these practices at Comenity Bank. It is imperative that financial institutions adhere to fair and transparent billing practices to protect consumers from potential exploitation. If such practices are indeed part of a larger scheme to defraud customers, action must be taken to hold Comenity Bank accountable. 

Thank you for your attention to this matter. I look forward to your response and any guidance you can provide on how to proceed.
Consumer complaint received 2016-10-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Protection Association, L.P. (NC)

I signed up for a XXXX account, I did not downgrade but upgraded the account, however when I relocated to XXXX, XXXX from XXXX, XXXX an early termination fee was reported to collection agency which I never signed for. Attached is a copy of my signed contract that was renewed and subsequently upgraded with a phone service. The amount of about {$200.00} dollars now reflects in my credit report, please your intervention is needed.
Consumer complaint received 2016-04-26
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (CA)

I have been trying to Get Wells Fargo to stop a reoccurring charge on My checking account from a company in XXXX that I never authorized. The charge has been happing for 3 months in a row for {$50.00} and Wells Fargo is telling me there is nothing they can do and close the dispute ( twice ). I do not want this company sucking money from my account anymore!
Consumer complaint received 2017-02-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CO)

My loan was transferred from GMAC to Ocwen years ago. I had to fight with them on even getting ACH payments set up. I have NEVER made a single late payment on my morgtage, and today when I noticed my XXXX 2017 payment was never pulled by OCWEN I called them. I was told they transferred me to a new division in OCWEN and that the system cancelled my ACH payments and I was " notified by a letter sent out ''. I was NEVER notified, I have NEVER made a late payment and now they wo n't set up my payments again. In order to set up a matching payment plan they want an extra mortgage payment upfront " because that is what the system tells them ''. I will be watching my credit reports and scores closely, I have spent too long rebuilding my credit from my " stupid XXXX 's '' period to now to have this crooked company ruin it now.
Consumer complaint received 2017-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc. (DC)

I was denied an auto loan by XXXX XXXX, based in part on information from XXXX XXXX. Under the Fair Credit Reporting Act, I have attempted to contact XXXX to obtain a free copy of my credit report. However, I have been unable to obtain an electronic copy or talk to someone at XXXX to assist me in obtaining a credit report. The phone rings during business hours, but no one ever picks up the phone at XXXX.
Consumer complaint received 2017-03-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

Starting on XXXX XXXX, Circle Gold Checking Accounts at Citizens Bank no longer allowed 6 foreign ATM transaction fees per month. The only way that I found out about the change was that the fees showed up in the online banking system. I complained to them about the change without notice and they pointed me to the memo section of the XXXX 2016 statement which is only visible if you know to go looking for it. It was not on any other statement or sent as a message in the online banking system, so there was no way to assure that people were aware of this change which would impact them, I consider it a bait and switch. With the push for paperless statements, which you have to pay otherwise, a dedicated message should be sent to people through the online system in the months leading up to a change that will cost the account holder money.