davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-27
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (MA)

To Whom It May Concern : On XXXX XXXX, 2016 a letter ( see Chase Notification ) was sent to Chase which Chase received on XXXX XXXX, 2016 ( see Chase return receipt ). 
Chase did not respond to this letter and initiated dunning calls. 
On or about XXXX XXXX, 2016 Chase in response to a verbal comment, classified the charges as unauthorized and issued provisional credits. 
On XXXX XXXX, 2016 Chase posted a letter claiming that a benefit was received from those charges ( see Chase alleged benefit letter-1 and Chase alleged benefit letter-2 ) In XXXX XXXX, 2016 Chase called but we were out of the country. 
On XXXX XXXX, 2016 the letters Chase alleged benefit letter-1 and Chase alleged benefit letter-2 were received. 
Between XXXX XXXX, 2016 and XXXX XXXX, XXXX approximately 11 calls were made to Chase regarding this matter. 
On XXXX XXXX, 2016 a letter was sent to Chase ( see Chase executive ) Chase responded I. The initial notice of a billing error was received but did not apply as Chase alleged did not receive fraud letter til XXXX XXXX, 2016 II. Chase policy requires certain form to be completed. 
III. Chase policy required subpoenas for certain information. 

Chase violated 15 U.S. Code 1666 by I. Exceeding 90 days allowed to resolve billing errors ( see Chase alleged benefit letter-1 and Chase alleged benefit letter-2 and Chase Notification ) a. Chase is falsely claiming that it was notified of billing error/fraud on XXXX XXXX, 2016 but refuses to provide any evidence to support that claim II. By claiming that the burden of proof is upon the card issuer to prove transactions were authorized ( See Chase Executive ) III. By not providing documentation used to make decision. Chase alleged that there were recorded phone calls that proved authorization occurred, but only providing XXXX copies of receipts. ( See Chase XXXX receipt XXXX and Chase XXXX Receipt XXXX ) a. Chase subsequently provided more receipts, but Chase claimed that a recorded telephone call was the evidence they believe showed that a benefit was received. 
IV. By not providing all evidence required to prove that the charges were valid, despite repeated requests ( See Chase Emails ) a. Chase later provided receipts, but this was not the reason Chase claimed that a benefit was received V. By not complying with US banking laws despite being told explicitly of the violations ( see Chase Emails ) These violations are most egregious as Chase was informed of the violations in writing ( See Chase Executive ) but defended their actions with specious reasoning, claiming that the unauthorized claim occurred later than documented and referring to Chase policy regarding proper forms, which were submitted and Chase legal policy but never addressing the direct violations. 
I believe that Chase should not believe that it can not grossly violate the US Banking laws without recourse.
Consumer complaint received 2016-11-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: National Credit Systems,Inc. (TX)

After reviewing my credit report from all XXXX credit bureaus there is an item that is inaccurate i was a victom of identity theft back in XXXX. it claims i had got an apt or home under my name. which is not true nor have i ever heard of them. a balance of {$5500.00} has been reported from collector. i have attached all of my DL for where i have lived going all the way back to XXXX
Consumer complaint received 2020-10-27
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Upstart Holdings, Inc. (AZ)

Everyday around XXXX Arizona pst time UPSTART loans calls me and always wakes me up when I still dont have to be up for work yet. I know They are not suppose to call before XXXX XXXX  my time! But they always do! I have The screen shots of missed calls to prove it.
Consumer complaint received 2020-10-27
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: EQUIFAX, INC. (MI)

After being denied for a credit card, I accessed a copy of my credit report, and found accounts reporting on my credit report in my name that I did not open or authorize ( XXXX  XXXX {$460.00}, IN FRAUDULENT CHARGES, XXXX XXXX XXXX  {$1900.00} IN FRAUDULENT CHARGES ). After contacting local authorities I was told that Due to the covid-19 I was not able to physically go to my local police station to file a report, but was told to file a police report online, and I would receive a police report number., And was also told to make an identity theft report with the FTC and send the documents to the 3 major credit bureaus and to each creditor. Equifax has not investigated nor responded to any of these fraudulent claims. I have included a copy of my FTC report, to support my claims of identity theft, I XXXX XXXX XXXX the XXXX, also have included a photo copy of my Michigan state identification, and social security card so Equifax can successfully identify me and not close this claim because of identity reasons. This complain was sent and is authorized by me XXXX XXXX XXXX the XXXX
Consumer complaint received 2020-10-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: TCF NATIONAL BANK (MN)

On XX/XX/2020 I received an automated call from TCF Bank warning my account is at risk of, or had already gone dormant. I logged into the the account and saw four dormant account charges for {$10.00} each : XXXX  XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I initiated a transfer from another bank to move money into TCF to remedy this situation. 

Additionally, I called TCF and asked why I am receiving a call about this only now and why not months ago when this first occurred. My phone number hadn't changed in years so there's no issue with that. The phone rep said she couldn't see three of the four charges and therefore couldn't submit a request to refund them. She suggested I visit a branch about it. I visited a TCF branch near my home on XX/XX/XXXX ( Branch address : XXXX XXXX XXXX XXXX, XXXX, MN XXXX ) The teller there couldn't find 3 of the 4 charges either. He showed me the charge from XXXX, and said there were no others. They told me they couldn't refund these, and the likely cause of the other three charges not appearing was due to their merger with Chemical Bank. 

On XX/XX/XXXX, I received another similar automated call despite my account now being " open '' status. I called customer service again at XXXX. She also couldn't find the three of the four charges, and couldn't explain why I'm only getting these calls now. She also told me I should have received a letter about this, but upon checking there was no record of one ever being sent. She told me she couldn't submit a request to refund these since only one is visible, which is understandable from her point of view. But that leaves me with no recourse. She suggested I go back to the branch but that seems pointless considering I had already did this.
Consumer complaint received 2020-10-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (CA)

My boyfriend sent two deposits to my checking account I have with XXXX its an app checking account their name on the app is pnc bank c/o XXXX and after the transactions were complete and available they froze my debut card so I couldnt access my funds. I found the XXXX XXXX  on the App Store and have had the account for over six months I had previous issues with deposits I had made but not like this where they are completely taking my funds. I followed their error resolution request but every time they responded they asked for something else or said they didnt receive the attachments they kept contradicting themselves over email so I called and spoke to five different supervisors and talked to the highest person they allowed me access to and all they kept saying is they didnt have authority to turn my card back on. In their terms and conditions it says they allow third party transfers I sent them screenshots of their terms and conditions. I called over five times and I asked to talk to someone who could help me but they said that department was only available through email. They just kept running me in circles so I finally emailed them that they were breaking federal law by not letting access my available funds and I was going to contact FDIC and banking regulators than today I tried to log onto the account and it said my account is closed so I have no idea where my funds are and need my XXXX dollars back
Consumer complaint received 2020-10-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (AL)

I filed a dispute on XX/XX/2020 after signing up for alerts from Wells Fargo, and I started getting notifications that my card was being used repeatedly. I was given a provisional credit which was reversed and basically took all the money I had left in my account. 

I talked to a supervisor who informed me that ALL my money would be returned if the vendor doesnt respond by the XX/XX/2020, which wouldve been 30 days. The XXXX comes and go and I still dont have my money back. During the phone call with the Supervisor, which was recorded, he informed me not to worry, that merchants never respond because the fraud was done digitally online and that there isnt anything that the merchant can respond with that wil change the outcome, he said you will have you your money back because the MERCHANT WILL JOT RESPOND! 

Now, they are telling me I have to wait another 120 days for a response from the merchant, event though theyve said repeatedly that the merchant will not respond because theres no evidence that the merchant can provide since the fraudulent charges were done online. He said theres no sign contact or verbal agreement and no video or photo evidence. Once again they all reassured me the merchant wont respond. 

They are holding my money hostage and I have a family and bills they are past due, because of their lack of care for their customers. I told them last Monday was my last day at work and my family needs our money. I dont understand how these big companies has the power to take customers money. 

I just got off the phone with a rep at XXXX XXXX today that also informed me that she also already know the merchant wont respond. And MERCHANTS HAVE 30 days to respond to disputes, which the merchant didnt do by the XXXX of XXXX, therefore the merchant wont respond or challenge the dispute. Wells Fargo seems to be a predatory company. I have deposited almost $ 100k in my account since XXXX of this year, yet they take my hard earned money. If this complaint doesnt resolve my issue immediately, I will be taking legal action, I have recorded my last 4 phone calls with their agents, which proves what they told me. 

Thank you CFPB for being a voice for customers!!
Consumer complaint received 2024-10-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION (TX)

I went to open a bank account with Navy Federal Credit Union, and I was denied access. When I inquired about the reason I was denied, the bank teller told me I had committed fraud with a previous account, also because I have outstanding balances with other banks such as XXXX XXXX, XXXX  XXXX XXXX and XXXX XXXX. The banks listed above never notified me that they were going to report this information to any consumer reporting agencies. and the information they reported was not accurate per the FCRA. I am a struggling Veteran who needs access to his bank account to get my life back on track mentally and financially, this denial hinders me from moving forward in life being blacklisted by the banking system whom I've lost trust in with limited access to credit, loans etc. failure to remove this information will result in me seeking legal remedy.
Consumer complaint received 2024-10-10
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. (TX)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
Consumer complaint received 2020-10-27
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: EQUIFAX, INC. (CO)

In XX/XX/XXXX my husband and I got a divorce. Per speaking to a XXXX XXXX representative prior to our divorce we were told we needed to provide a divorce decree and quit claim deed removing me from the home and then I would be let off the mortgage. After we completed all of this and then submitted this paperwork I was informed that their rules had changed and I would not be allowed off the mortgage until my ex husband did a few other things. I am unable to get him to do any of those things as we were divorced at that point. 

I have contacted XXXX XXXX and disputed this being reported on my credit for years however it still remains. In XXXX my ex husband was permitted to extend the mortgage for an additional 10 years to a 40 year mortgage and add some personal debt to it. I did not sign this paperwork and his sister is the notary who notarized it. I disputed this again given that I do not know how this could have even been legal however have been turned down again. 

My ex husband does not pay the mortgage on time, does not live in the home and this is literally ruining my life. I can never get approved for anything and if I do it is at the cost of a ridiculous rate. I want this mortgage which was unethically and possibly even illegally extended and added to without my consent removed from my credit reporting.
Consumer complaint received 2020-10-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (CA)

I have signed up with US Bank for the following checking account promotion : Earn {$300.00} when you open a new Platinum, Gold or Easy Checking account and complete two or more recurring direct deposits that total a minimum of {$2000.00} and enroll in eStatements within 60 days of account opening I have completed the terms by XX/XX/XXXX ( posted 2 direct deposits of more that XXXX and enrolled in eStatements ). 

I have not received a bonus yet. I have contacted US BANK on XX/XX/XXXX, asking them where my bonus was. I have received the following response : " Hello XXXX, Thanks for reaching out about the bonus funds. My name is XXXX and I feel the desire to know when the bonus will be paid. 
I looked over the account and do see a promo code attached. However, the code that is attached is for a promo that ended on XX/XX/XXXX with different requirements than what you mentioned below. 
I did find the promo you referenced below. This promo started on XX/XX/XXXX. As the account was opened on XX/XX/XXXX, sadly you do not qualify for either promo. This means the {$300.00} bonus will not be paid. I apologize for the inconvenience this may cause. '' I did, in fact, signed up on XX/XX/XXXX, from US Bank 's promotional page. I will even received approval letter from them on XX/XX/XXXX. I will attach it to this complaint. 

US Bank is acting shady and is not being honest and straightforward with me.
Consumer complaint received 2016-09-08
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO. (IL)

I applied under a XXXX bonus for the Mileage Plus Chase Visa Card. Within an hour I received an email offer from XXXX about a XXXX bonus ( email attached ) for the same card. I emailed XXXX ( email attached ) and they said they could n't do anything that I had to contact Chase. I called Chase and the agent told me that I could get the XXXX bonus by cancelling the card with the XXXX bonus and reapplying under the XXXX bonus. ( Unfortunately, this was a phone call with no documentation. ) I did what the rep said which held up the XXXX bonus card for two weeks while they cancelled the XXXX card and issued the XXXX. When it came time for the bonus, I only receive XXXX miles. After writing XXXX emails and speaking to XXXX reps, despite the fact that I forwarded a copy of the XXXX bonus email and the XXXX XXXX email, Chase will only give me the XXXX bonus. If the original agent had told me she could n't do anything, I would have been unhappy but I would have understood. I also would not have had to wait for the credit card or have had my credit rating affected because I applied for and canceled a card within a small window. Instead I did what the Chase representative told me to do and was greatly inconvenienced. Unfortunately, crediting less than the bonus offer is a common Chase practice which I found out by searching on line after my unhappy experience.
Consumer complaint received 2021-11-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (CA)

A few months ago I started receiving emails from PNC stating that I had an account that was low on funds. I immediately contacted them by telephone to explain that I had no account with them and to please remove my email from the account in question, as these alerts were clearly not applicable to me. Despite repeated attempts to call and email them to stop this practice it has continued on a daily basis. I do not know if someone has stolen my identity and is using my email for a fraudulent account, I really have no idea what is happening here, but PNC is clearly non-responsive to my concerns.
Consumer complaint received 2024-10-10
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: SECURITY SERVICE FEDERAL CREDIT UNION (TX)

The derogatory rating on my account is a serious issue for me. I'm very concerned about how it's affecting my credit. It's already led to a loan application being denied and higher interest rates on my existing credit accounts. This negative rating is causing me severe financial and emotional stress, which will continue until the matter is resolved.
Consumer complaint received 2024-10-10
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. (GA)

I am sending over a demand to arbitrate letter through the mail certified for inaccurate reporting violating my rights and it is a violation of the FCRA, EOA, also racially profiling me causing me to suffer while infringing on my rights. This message is in regards to my consumer report and the suffering mentally, physically, and emotional distress along with damages to my name, character and that I have discriminatory profiled for my race as an XXXX XXXX, and minority groups like myself due to low income and the disadvantages we color of people go through with this agencie. I have attached the necessary forms and documents.
Consumer complaint received 2021-10-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Home Loan Center, Inc. (FL)

Re CFPB complaint # XXXX, as lending Tree not responding, I sent the email below to the CFPB whistle-blower email address, but got an automated reply sending me back here if the issue of the complaint affected me personally, which it has ( see below ) _____________________ Greetings, _____________________ I filed my complaint w/ the CPFB on XX/XX/2021, as seen below. Were now closing in on one month later, and despite having been contacted by the CPFB for a response ( none provided ), Lending Tree continues its bait and switch tactics. 
Attachment 2, which appeared on my XXXX home screen 2 days ago is ironic, as next to the ad appears a real estate article correctly stating that the 30 year fixed rate is in the area of 3 %, while Lending Tree simultaneously shows 2 % on same page. No doubt Lending Tree is making millions of dollars selling leads to dozens and dozens of lenders, none of which have the rates posted. 
I know, because after seeing these ads for years, I finally responded, and put up w/ the myriad calls from dozens of lenders, none of which offered anything but market rates, which were on average .875 to 1.125 % higher than Lending Tree is stating.

There is no question in my mind that Lending Tree is acting in bad faith, and as theyre not responding to the CPFB, nor ceasing/ desisting their bait and switch tactics, its clear that they have little concern nor respect for the law nor the CFPB. 
I was shopping for a personal no cash out low LTV refinance for XXXX on my single family residence, and missed out on sub 3 rates, taking phone calls w/ the dozens of loan officers who purchase leads from Lending Tree, wasting hours upon hours of my time, so I have been personally damaged by their blatant misrepresentation. 
If lending Tree can not direct me to a lender offering the rates theyre advertising, I request that they be required to pay a lender to provide the advertised rate, or stop misleading the public. 




_____________________ On the day the 2 % was posted ( XX/XX/2021 ), 2 % for a 30 year fixed would actually have costed XXXX points, which would cost {$290000.00} in my case of a XXXX loan amount ( XXXX X XXXX points ), which I feel Lending Tree should provide me if they cant point out a single lender that is/was offering what theyre posting. 
Based on Florida regs, I believe that they could be responsible for a fine of XXXX per day, from the time they ignored your contacting them, which could provide another method of recapturing my loses now that rates have risen again. 
______________________________________ Does the CFPB have any actual interest in having their regulations complied with, and the public protected? 

Im hoping so!! 

Thank You XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX
Consumer complaint received 2020-10-15
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: CBC Companies, Inc. (GA)

i sent out disputes to the credit bureaus about account that are being reported on my credit that were not authorized by me. I lost my wallet a couple of years ago which contained my id and social i believe i have been a victim of identity theft. I have filed an ftc report to document this and would like you to help me resolve this matter.