davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

I have an account with the XXXX XXXX app that allows its users to have access to the money they 've earned after a working day. That money borrowed is deposited from our account to the app in that exact amount. However every pay week there is an agonizing delay of JP Morgan Chase Bank reporting back to app that I have been paid, so that I may begin to use the app again. I have used this app almost 2 months and have had this problem every time, that in which includes today. The app suggested I either write this report or tweet the bank in which would get their attention. I have XXXX the bank several times and only once has the problem been solved expeditiously.
Consumer complaint received 2017-07-28
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 have been fighting with XXXX/Transunion/XXXX for the last four months trying to remove a bankruptcy that has been listed on my credit file that is incorrect due to me not filing any bankruptcy since XXXX.they continue to tell me that they verified this information however it is incorrect. they will not listen to any calls or documents sent certified. I finally had to take off wok to go to the Bankruptcy court to have them to review this info and do a investigation to see that I had not filed any bankruptcy. also listed on my credit report ( XXXX ) are XXXX tax liens that have been removed from the courts and does not contain the information that is required to keep listing this information on my credit ( Due to the new law effect XX/XX/XXXX ). it has been removed from the other XXXX credit files however XXXX will not remove this information after I have sent them proof that the XXXX claims does not carrier all the information such as ss #, correct address and dob. I have had these XXXX item withdrawn with the state of Georgia due to have them paid and following the guidelines to have them removed from my credit,
Consumer complaint received 2017-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

refuse to investigate unauthorized credit inquiries ( XXXX inquires currently - XXXX XXXX XXXX XXXX and XXXX XXXX ).
refuse to provide proof of verification paperwork and process of XXXX negative items on my credit ( XXXX XXXX XXXX and XXXX XXXX XXXX ) these items do not belong to me, yet Experian continues to list them on my file with out proper investigation.
Consumer complaint received 2017-07-28
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: EQUIFAX, INC. (GA)

On XXXX XXXX, 2017 I checked my credit reports and I was notified that a public record and a bankruptcy ( legal item ) from circuit court was removed from my credit report.
Under the new law effective XXXX XXXX, 2017 any public record data and legal item must include the consumers name and address as well as social security number or date of birth in order for any records to appear on their credit file. The credit bureau removed the records and has since re-inserted them on my report. Per the new law true Bankruptcy listed does not include XXXX this information and should be deleted from my credit report. In addition, XXXX XXXX or any other consumer reports.
Consumer complaint received 2017-07-28
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. (OR)

XXXX XXXX XXXX XXXX is being reported on my credit reports with Transunion as duplicate. I have tried to correct this with the XXXX County Records and with the Credit Reporting Agency multiple times. XXXX  XXXX has sent me copies of their records which list the account only once and an address never associated with my credit history or personal information, and I have forwarded these onto Transunion. Transunion has failed multiple times to correct this error. The two variations on my Transunion report show a discrepancy in the docket number ( one shows letter and numbers, the second shows only numbers ) but they continue to report the public record as two seperate public records. I have asked them to confirm that the record includes all identifying information, but Transunion has failed to provide me with validation. This seems an obvious error but one that also seems a challenge to correct.
Consumer complaint received 2017-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

I have been fighting with Equifax/XXXX/XXXX for the last four months trying to remove a bankruptcy that has been listed on my credit file that is incorrect due to me not filing any bankruptcy since XX/XX/XXXX.they continue to tell me that they verified this information however it is incorrect. they will not listen to any calls or documents sent certified. I finally had to take off wok to go to the Bankruptcy court to have them to review this info and do a investigation to see that I had not filed any bankruptcy. also listed on my credit report ( Equifax ) are XXXX tax liens that have been removed from the courts and does not contain the information that is required to keep listing this information on my credit ( Due to the new law effect XX/XX/XXXX ). it has been removed from the other XXXX credit files however Equifax will not remove this information after I have sent them proof that the XXXX claims does not carrier all the information such as ss #, correct address and dob. I have had these XXXX item withdrawn with the state of Georgia due to have them paid and following the guidelines to have them removed from my credit,
Consumer complaint received 2016-10-16
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX XXXX, the currently assigned CRM/SPOC was the CRM/SPOC assigned to this home loan mortgage account XX/XX/XXXX through XX/XX/XXXX and she has demonstraited her lack of knowledge of all applicable laws, regulations and guidelines governing Bank of America and their representatives and agents during and throughout the modification and loss mitigation process. Please remove this latest assigned - and re-assigned -CRM immediately and upon receipt of this request to do so. 
It should be noted I have been I unable to speak directly with this SPOC during her first assignment as SPOC and have been only able to leave voicemail messages as directed contact had been unsuccessful and impossible at a time when direct contact is most essential during the modification and loss mitigation processes. I have also been unable to make contact with anyone in the SPOC 's unit or this SPOC/CRM supervisor even though I have requested exactly this. I have made a previous request that she be removed as the CRM/SPOC and the newly assigned CRM/SPOC conduct a full and complete review and case escalation into my concerns about the invalid and defective recorded Notice of Default ( NOD ) of XX/XX/XXXX which, as of this writing, I have not received a XXXX XXXX County Recorders Office certified recorded copy. I have also requested the XX/XX/XXXX Notice of Default be withdrawn since it is recorded and attached to the XX/XX/XXXX Trust Deed and not the XX/XX/XXXX Modified Trust Deed and therefore invalid and this home loan mortgage account can not be deemed as defaulted.
Consumer complaint received 2016-09-01
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CMRE Financial Services, Inc. (CA)

I was once admitted to hospital for 2-3 hrs only and the hospital bill was mailed to my home address. Unfortunately, i did n't get the mail and missed the bill. By the time i inquired about the charges from hospital, they 'd already sent the amount of {$100.00} to collections ( CMRE, XXXX ). And then without any further delay, i paid the debt in full. Now everything is settled down and my credit report still shows the account is open though balance is {$0.00} ( paid in full ). As a result, any attempt made by any agency for credit check approval, it fails. I 'm being affected by this wrong Account-Type = " Open '', which is reflecting on my credit history. 
I 've spoken to XXXX and CMRE Financial services but in vain.
Consumer complaint received 2017-07-28
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: GREAT LAKES (CA)

My loan payments for part of XXXX and all of XXXX were {$700.00} based on income information that I provided to my lender by linking directly to the IRS portal. Now the lender claims they processed that information incorrectly because I was listed as single in their system ( even though I listed myself as married in XXXX when I filed my taxes and when I filed paperwork to renew my loan ). I provided my spouse 's income as well, to further indicate my marital and filing status. Contradictory to their claim, they are also saying they both my spouse 's and my incomes into consideration to determine the loan amount for XXXX and most of XXXX. Now they are stating they are are working to process my application correctly now and are increasing my loan payment to {$1300.00}, even with my family size of XXXX. My only other option is to switch repayment programs which causes the accrued interest of over $ 38k on my plan to capitalize the interest.
XXXX from Great Lakes Employee ID XXXX spoke with me and refused to consider my husband 's new income even though I told him it had substantially reduced from XXXX. They keep insisting according to new laws and regulations, my supposed payment to them is {$1300.00} according to their calculations. This is putting an undue financial hardship on me and my now growing family ( I am XXXX XXXX  XXXX currently ).
Please help mediate with them so I am not paying dearly for their costly error. Their representative admitted on the phone that their system processed my payment incorrectly.
Consumer complaint received 2016-10-15
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: JPMORGAN CHASE & CO. (PA)

In light of the recent news reports of accounts being fraudulently opened without customer authorization, i.e. XXXX XXXX, Chase Bank, XXXX XXXX XXXX, etc., we feel obligated to lodge the following complaint : 1. Opened an AARP Visa Rewards Card through Chase Bank XX/XX/2016 2. Paid balances in full in XX/XX/XXXX, XX/XX/XXXX and XX/XX/2016 3. In XX/XX/XXXX we received an Amazon Visa Rewards Card through Chase Bank, for which we NEVER applied ... we feel it was sent due to our opening the AARP card and was generated from Chase Bank ... this card also had our last name misspelled 4. Payment for AARP card for XX/XX/2016 crossed in the mail and considered late 4. Due to the above action, our card was declined at grocery store on XX/XX/2016 5. On XX/XX/XXXX or XX/XX/2016, we received a letter from XXXX XXXX based in XXXX, Florida concerning an Amazon Store Card instructing us to contact them regarding additional information about the recent credit application ( again, application NEVER initiated by us and our last name was misspelled the same way as the Amazon Visa Rewards Card from Chase Bank ). We contacted them and learned that the account had been closed. 
6. On XX/XX/2016, we contacted Chase Bank regarding our Amazon Rewards Card and learned they had already billed us for a membership in Amazon Prime, again something we had NEVER authorized. Chase Bank worked with us and set up a Fraud Alert on this card. We also closed out this card. 
7. On XX/XX/2016, we contacted Chase Bank regarding our AARP card and had them set up our account with a Fraud Alert. 
8. We assumed that everything had been cleared up and our accounts were in good standing. 
9. On XX/XX/2016, we received notice from a company deducting automatic payments from the AARP account that our card was declined. 
10. On XX/XX/2016, we contacted Chase concerning the AARP card and the declined payment and learned that the mistake was on their part and was rectified. 
11. We have chosen to close the AARP account through Chase Bank as soon as the last payment has been credited to our account.
Consumer complaint received 2016-10-15
Product: Other financial service — Check cashing
Issue: Customer service/Customer relations — 
Company: SBG Financial (DE)

XX/XX/2016 Saturday - Check cashing practice correction requested We received XXXX checks that today we tried unsuccessfully to cash at the United Check Cashing franchise addressed above. A cashier employee who identified herself as XXXX refused to cash my IRS refund check written XXXX Department of Treasury and my refund check from the XXXX XXXX XXXX Department XXXX XXXX. The cashier XXXX XXXX XXXX told us that she would not cash the checks because they were both presented to her more than 30 days since the issue dates. Issue dates XX/XX/2016 for the XXXX of Delaware check and XX/XX/2016 for the XXXX Treasury check. The state check indicates that it can be cashed for up to 6 months past issue date and the XXXX treasury check indicates XXXX year processing from issue date. 
I shared with XXXX that I am frustrated with what amounts to arbitrary check cashing experience at United Check Cashing. I have utilized various United Check Cashing services for more than 30 years in XXXX but nowhere has the experience been more unpredictable depending upon the cashier encountered for the transaction than this XXXX, Delaware, XXXX XXXX XXXX XXXX franchise. 
As XXXX told us that she would not cash my checks ; she directed my attention to a sign on the wall visible during exit from the establishment that reads in part, '' we do n't cash checks over 30 days. ' I reminded XXXX that the only IRS check that I have ever cashed unless it was direct deposit ; was more than 30 days past issue date, including here. 
United Check Cashing practice is harmful and provides for at will ; discrimination. As a XXXX person ; it was a struggle for me to enter the United Check Cashing establishment ; let alone enter with assistance and be denied service. The actions of United Check Cashing would have caused me to have to discard the checks XXXX money ) had it not been for the secondary fact ; that XXXX Bank cashed the checks readily and happily. When I contacted United Check Cashing to get the owner contact information ; XXXX in rude behavior practice ; hung up the phone which was on speaker phone on my end and open to myself and a family member present. 
Please remedy the actions taking place at this United Check Cashing franchise so that people who have limited options are not forced to throw away IRS or XXXX checks.
Consumer complaint received 2016-05-19
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

my bank account with 53rd bank, routing number XXXX and account number ending in XXXX was given an overdraft coverage for my withdrawals with a per-overdraft-item charge of {$37.00}. This coverage l have had since l opened the account with the bank for almost if not over XXXX years ago. Suddenly the bank cancelled this coverage without given me a proper notice so that they can return any over-drafting-item and still charge me {$37.00}. Please l need to know how legal this is and would like to know how l can get all my money in these charges back? I will provide all relevant information necessary for this investigation if need be
Consumer complaint received 2017-01-31
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have several XXXX credit cards with Capital One for several months during which I have maintained my credit in good standing paying the full credit balance in most cases and always paying on time. I wanted to give my kids the option to begin credit and finance education early, so I called Capital One and asked them if they have a program to add my kids to my account as authorized users to have their own cards to use at school or when they go out. They welcomed the idea and told me that they certainly allow that and were eager to collect my kids information including the dates of birth, SSN, and names. Then they told me that the cards will arrive shortly. a few days later Capital One restricted access to my card. I was treated with total unprofessional way to say the least and was accused with fraud, insulted, and the representative hung up the phone on me. I called again and a manager was very nice and apologized and informed me that I need to send copies of my kids IDs and SSN, and I did. The next day I found out that the earlier representative had actually closed my account without my consent and without reading me the required disclosure and had done so after he actually hung up the phone with me based on the time stamp of the call log which he should not have been authoirzed to continue accessing the account after he terminated the call. I called the following day and spoke with fraud account manager " XXXX '' who apologized and confirmed that the representative closed the account after he hung up the phone with me and he should have read me the required disclosure. Then I found out that he also restricted the other credit account I have with Capital One which was not even subject to the conflict. XXXX asked me to review the documents that I had previously sent to manager " XXXX '' the day before to help reopen the first closed account and remove the restriction of the second account. then she came back on the line and said that the department that would review the call recording to determine the wrong doing by the first representative is closed on Friday and promised to call me back Monday by XXXX XXXX. I called today when she did not honor her promise to call only to find out that they closed the second account completely as well. when asking about the reasons, they said we could do so if we want to at our discretion. I expressed that I have not done anything wrong as I called and asked Capital One before making any account changes and they were the ones that added the authorized users and then closed my accounts which were maintained in good standing the whole time to the extent that they increased my limits automatically several times from {$300.00} to {$5300.00} which would never have been the case if the accounts were poorly managed and there should have been no justification for the way these accounts have been closed.
Consumer complaint received 2016-10-16
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: FirstPoint Collection Resources (NC)

The first statement I received from First Point collection was dated XX/XX/2016. The date of service was XX/XX/2016.Total balance on this account was XXXX and due on XX/XX/2016. This is the first notification I received of an outstanding balance and it was from a collection agency. My insurance processed and paid their part on XX/XX/2016. I sent a {$50.00} payment on XX/XX/2016 with a letter stating that I could not pay the amount in full but that I would send monthly payments. I also explained that I was also paying another bill from them of XXXX. I have always sent my payments directly to XXXX and they have been accepted and processed. I have made regular payments on this account. I received another letter from First Point dated XX/XX/2016 showing a balance of XXXX. I submitted a dispute letter to First Point on XX/XX/2016 requesting the amount of the debt as this balance was not correct. I have not received a response as of today, XX/XX/2016. I know it was received because I sent this certified mail. I have not missed making a payment and yet this has now been placed on my credit report. The balance placed on my credit report also is not the correct outstanding balance. The credit report does not show this as being disputed or as a medical bill. I believe both of these have to be shown on a credit report. When the provider is accepting and processing my payments they should not be able to put this on a credit report. The bill mentioned earlier of XXXX has been paid in full. It appears that they are trying to coerce me into making the full payment by sending me statements from a collection agency from the first statement. I take my credit report very seriously and I pay my bills.
Consumer complaint received 2016-07-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (IL)

I checked my credit report and it shows there is midland credit management reporting to for a XXXX account. This account is shown to have been opened around the XXXX cramming lawsuit which makes the amount not certain and needs to be immidently deleted from all credit bureas. 

XXXX has agreed to fully refund its customers for unwanted third-party charges it placed on their phone bills, a practice known as mobile cramming, paying at least {$90.00} XXXX to settle a Federal Trade Commission lawsuit filed earlier this year
Consumer complaint received 2016-09-01
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I 'm submitting a complain against BOA in Georgia. I deposit a check for {$4300.00} from a company called XXXX XXXX. I was suppose to be working from home with this company. This fake company XXXX sent me an email stating they will send me a check for XXXX to purchase my equipment. When I deposit the check on XXXX/XXXX/16 the bank did not call me to let me know the check was fake. I had to go online to check my balance and my account has been locked. I called the risk department on XXXX/XXXX/16 and was tolded to go to my local BOA and have them to fax the police report and documents showing that I was scam. I have been working on this for about 2 weeks now and have not heard anything from nobody. I 'm upset because I already had money in the account and every time I call customer service they can not help me.