davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-21
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (ID)

I have a dispute in with Equifax. Confirmation XXXX. It was submitted in XX/XX/XXXX 2017. It is still in " Pending '' status. When I try to contact Equifax over this, they continually state my credit report does n't match my file and I need to contact them over the phone. I can not contact them. The call remains unanswered, or when transferred, remains unanswered. I just want the Confirmation XXXX resolved. Thanks.
Consumer complaint received 2017-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

My complaint is dealing with my Chase saving /checking account there was a fraudulent charges on XX/XX/XXXX. This particular charge at XXXX XXXX for {$1100.00}. I disputed Initially. They replaced the funds briefly. Then on XX/XX/XXXX a reverse credit for {$1100.00} debit card dispute appeared on my statement. I contacted Chase to resolve the matter they stated XXXX XXXX disputed the charge and I 'd have to file a small claims to get the money returned.
Consumer complaint received 2017-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (LA)

I 've tried numerous times to get this inquires off my credit file that I did n't authorize. I have no account with these companies. The companies told me to contact Equifax & Equifax telling me to call them. This is very frustrating. The inquires are as follows : 1. XXXX/XXXX XXXX ( XX/XX/XXXX ) 2. XXXX XXXX XXXX ( XX/XX/XXXX ) 3. XXXX ( XXXXXX/XX/XXXX ) 4. XXXX ( XX/XX/XXXX ) 5. XXXX XXXX XXXX XXXX ( XXXX XXXX, XXXX ) 6. XXXX XXXX XXXX XXXX ( XXXX XXXX ) 7. XXXX XXXX ( XXXX XXXX, XXXX ) 8. XXXX XXXX ( XXXX XXXX, XXXX ) 9. XXXX XXXX XXXX XXXX ( XXXX XXXX, XXXX ) 10. XXXX XXXX XXXX ( XX/XX/XXXX ) 11. XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) 12. XXXX XXXX ( XX/XX/XXXX ) 13. XXXX XXXX ( XX/XX/XXXX ) 14. XXXX XXXX ( XX/XX/XXXX ) 15. XXXX XXXX ( XX/XX/XXXX )
Consumer complaint received 2017-10-21
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (TX)

I have a home that was flooded by Hurricane Harvey. I immediately reached out to my mortgage company, CitiMortgage, to inquire about a forbearance plan for a Federally declared disaster area. On XXXX/XXXX/XXXX, I rec 'd a letter from CitiMortgage granting me a 90 day forbearance period. I did not make my XXXX/XXXX/XXXX payment, per the information in the letter CitiMortgage sent me. 

On XXXX/XXXX/XXXX at XXXX, I rec 'd a call from CitiMortgage indicating they are calling to collect on a past due debt. I informed CitiMortgage I did not make the payment per their forbearance letter instructions. They confirmed they were aware I was on the forbearance plan, but they stated they would call me weekly until the past due amounts are paid. I asked the rep to explain to me if this process makes sense, as they are the ones that granted the forbearance plan. She stated it does not make sense ; however, they will continue to call me to collect the debt. 

Attached is a copy of the letter, which nowhere do they state that under the plan they will attempt calls to collect a debt. I would appreciate some guidance as to how to proceed with these knuckleheads. 

XXXX XXXX
Consumer complaint received 2017-10-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: REGIONS FINANCIAL CORPORATION (FL)

XX/XX/XXXX2017 called my bank because an account that was closed due to wifes purse being stolen was reopened by XXXX XXXX when they ran ach payment on the account the account has no money so why would I want payments ran for account that has no money and your going to charge my account overdraft fee so now they are saying I owe them {$80.00} and said they will continue to charge me every time XXXX XXXX charges my account with ach and the monthly fee which is XXXX for an account I'am not using. this company has no reasoning or common sense and when did it become right for people reopen a account in my name with out my permission. Planning to bank somewhere else which could be what they are trying to due because I reported for there excessive fees for everything and claiming customer service but not solving customer problems by fixing them. Sorry you just got a report from about another company but just so you know the world is in chaos when people can just steal your hard earned money right to your face, last time I checked my XXXX where the XXXX XXXX and XXXX from the work I did not theres but they get my money for free again. Just want this on record, it 's up to you guys if you want to do anything last time they XXXX me and they will just keep XXXX people and the other complaint nobody still has called me. Thanks Fro Your Time
Consumer complaint received 2017-07-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

Starting onXX/XX/XXXX, my personal and business accounts at Chase Bank were frozen, and I have since learned that they were fully liquidated, with all my money being sent to XXXX. There was roughly {$27000.00} in my business account, XXXX XXXX XXXX. In my personal account, named XXXX XXXX XXXX  and XXXX XXXX XXXX, we had our paychecks in there and this amount was roughly {$16000.00} at the time. On the evening of XXXX XXXX, my wife and son left for a 4 week trip to XXXX, with all the accounts frozen. I was to follow, but ca n't now. This all our free cash, and we need it, bills are mounting.
On XXXX XXXX or XXXX, a trust account from US based law firm XXXX XXXX sent me {$870000.00} from their XXXX account to my XXXX XXXX XXXX Chase account. This wire was done to fund a real estate transaction, on behalf of their client. My fee for assisting in the real estate matter is 3 % ( of all amounts ) or {$26000.00} in this instance. My fee is non-refundable. I then wired {$840000.00} out on behalf of that client.
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Four or five days after I executed the transaction, a suspicious activity alert was sent to Chase, and both my accounts were frozen, then drained. No one consulted me in this process. I called both banks numerous times and never got much information out of them, about who did what. I also sent them both faxes, stating I have paperwork on the transaction and client in common. XXXX stole all my family 's money. I also submitted a compliant against XXXX to Ic3.gov and will be calling the FBI. I have in my possession a signed contract, emails, a drivers license and a passport.
I also lodged complaints against XXXX and Chase with the OCC.
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I was calm for the first few days, as I thought it would get sorted out as Chase told me they would send me all the funds in my personal account, after closing it. I could live on that, while the business transaction was researched. Chase also told me to call XXXX XXXX at XXXX and he would clear it up and allow Chase to release my assets. XXXX never responded to me, but I finally got to speak with XXXX XXXX, there. XXXX told me I am not a XXXX client and they ca n't speak with me. He told me to call Chase and Chase should have known better. I have noted all the calls with the banks, client and have emails and a paper trail. I would had complained much sooner to the authorities, but Chase kept stringing me along, as I mentioned. They also said I would have it all back within 10 business days. The Law firm & the banks needs to give me all my money back. I was a 25 year client with Chase, and this madness.
Consumer complaint received 2017-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

My Experian credit report shows a collection against me. Date opened is XX/XX/XXXX. Company is XXXX, XXXX Fl. Original creditor is XXXX XXXX XXXX. In XX/XX/XXXX I disputed this collection and XXXX and XXXX immediately removed it. It then appeared as a new collection with Experian. I have had no financial/business dealings with XXXX XXXX since XX/XX/XXXX/XX/XX/XXXX. I would like this removed from my Experian credit report.
Consumer complaint received 2017-07-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CULLEN/FROST BANKERS, INC. (TX)

My account balance was  discharged in a Chapter   XXXX  Case #  XXXX  file d  XX/XX/XXXX   and converted to a Chapter  XXXX   XXXX  filed   XX/XX/XXXX .  To date the financial institution has continued to report my account negative to   XXXX   XXXX  . I was granted relief from this debt and I want the account removed from   XXXX   XXXX   immediately.
Consumer complaint received 2017-10-20
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I submitted a dispute online with Equifax on XX/XX/XXXX. I submitted proof that all inquiries on my credit report from XXXX XXXX were not accurate and I attached letters from XXXX XXXX advising that they should be removed. I received an email at XXXX on XX/XX/XXXX from Equifax investigations that the dispute was completed. When I went in using the Confirmation Number it gave me, no records were found. I then tried logging in via another web browser thinking perhaps it maybe was XXXX XXXX. To my shock again, they ca n't locate the dispute. I tried calling them at XXXX to be told that no representatives were available and to call back during normal hours. Mind you it was 5 minutes pass the time they state they are open! And switched to the automated system for the results only to be pushed BACK to the website. I have a confirmation page printed from Equifax 's site of my initial dispute, but NOW you ca n't find me? XXXX! This is a stall tactic and quite frankly I have had it up to my neck with Equifax so much as that I have now contacted an attorney. You ca n't not protect someone 's information with all of your ridiculous XXXX breaches. Then guide individuals to dispute inaccurate data and then and then you do n't even have the decency to do your XXXX job and investigate? You all are thieving, manipulative XXXX XXXX who surpass the line of incompetency that is mind boggling. You need to provide my XXXX results or be prepared to face me in court because I 'm tired!
Consumer complaint received 2017-10-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: HANCOCK WHITNEY BANK (FL)

I have concerns that Whitney Hancock Bank is conducting promotions that they are not intending to comply with - they are forcing the customer to " fight '' to obtain what was promised. 

Company promised in advertising that if you met deposit requirements you would receive {$100.00} prepaid debit card. 
XXXX @ XXXX am - Called and spoke to XXXX in Louisiana call center - he stated I met all the requirements. Card would be mailed after XXXX XXXX. 
XXXX - No card received. 
XXXX @ XXXX pm - Called and spoke with XXXX ( sp ) and she said card would not be mailed now - I asked for a manager. XXXX had another person come on the phone who said it would be mailed in XXXX. I asked for a copy of the promo advertisement because the advertisement I have said XXXX XXXX. He said he would obtain it and also asked for my cell phone to call me back. I provided my cell phone. No one has called me back.
Consumer complaint received 2017-06-13
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. (TX)

on  XXXX / XXXX /  XXXX   I submitted in writing a dispute to Equifax stating I disputed the  XXXX   XXXX  collections reported on my file. After not hearing back after they received the letter I again reviewed my file and all it stated was validated, this is again what I put in writing to them that the word validated does not satisfy the dispute. I want to see my signatures for the balances they are reporting. I called them on  XXXX  and was advised by "  XXXX  #  XXXX , that the dispute was validated, again I asked for the validation to be sent to me and she continues to say not her issue. I advised her that I have disputed with  XXXX   XXXX   XXXX  and they never sent me any documentation.  XXXX ,  XXXX  stated that it was n't her issue, since they " VALIDATED '' it was on my file. They have since marked my entire credit report as Disputed. This is crazy why would I dispute my entire report. I need assistance on getting this corrected since they do not seem to have any rulers or regulations when reporting incorrect information.
Consumer complaint received 2017-10-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Big Picture Loans, LLC (NC)

I requested a loan of {$300.00} and the originating process went smoothly. Funds were granted immediately. The loan was requested on XXXX XXXX, XXXX, however, per my agreement, it was effective as of XXXX XXXX, XXXX. Additionally, the agreement states that the offer may be rescinded on the 2nd business day following the effective date, which is XXXX XXXX, XXXX. I called the company at XXXX eastern time and spoke with 3 representatives to request payoff initially. The individual said she could not do a payoff date of XXXX XXXX, XXXX, only the following date of XXXX XXXX, XXXX. Therefore, the finance charges would go from {$11.00} to roughly {$28.00} to {$29.00}, when opting to pay via ACH. I said this was unacceptable ; however, she indicated that I could pay today with my debit card but had to be transferred and connected me for support. I spoke with a new individual who proceeded to inform me that a debit card could not be taken prior to my first payment. At this time I asked to speak with a supervisor and was connected to XXXX ( id # XXXX ) located in the XXXX. She claimed that I could in fact rescind my offer of {$300.00} via ACH with no finance charges ; however, she stated that I agree over a recording. She stated the wrong payment date of XXXX XXXX, XXXX, and did not state the amount. I corrected her and she supppsedly processed the transaction but stated it would reflect on XXXX XXXX XXXX. I then requested a confirmation number, she said she could not provide one. She stated an email request could be sent to her support area to request email confirmation, but did not say when I 'd receive the payment confirmation of {$300.00} to principal. This company appears to be in violation of UDAAP and I did the right thing of paying my loan off early and in full. I attempted to get a supervisor and the claim was their information could not be provided.
Consumer complaint received 2017-10-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Genpact Limited (CA)

I received A letter in XXXX 2017 stating that I had that which was to be collected for my insurance company. However I contacted the company and my insurance company at the time and my pharmacy and was not able to find any payments that were due. The letter said that my insurance company did not cover me at the time of the prescription however after calling the pharmacy and the insurance company is verified that I was covered and they do n't see any charges showing that I owe money. When I talked to the insurance company they tried to call the number on the letter and it just kept ringing and saying to get a number and they will call back. The person at the insurance company said it seems like it must be a scam because I do n't owe them money and this phone number just kept ringing and saying to give my phone number.
Consumer complaint received 2017-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Law Office of Michael J. Scott, PC (TX)

The bureaus have me listed with multiple address that belong to my son. This is misleading and was done by the three bureaus and Michael J. Scott Attorney in XXXX Texas. He send multiple personal document to my so to publicly embarrassment and harass me.. My son contacted and forward legal and personal information sent to him in an attempt to embarrass me. 

The attorney knew my address well because he sent me the same documents at my actual address XXXX XXXX XXXX XXXX, XXXX XXXX Not Mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-06-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: ACCESS GROUP INC. (NY)

I am on a payment plan where my account is automatically debited each month. I called to request a debit be cancelled as due to unforeseen circumstances I can not make the payment this month and the payment will likely bounce and I was told they could not cancel it. I said I thought regulation  E  allowed for this to be cancelled and was told it could not be cancelled since in  XXXX  ( 6 months ago ) I asked for a similar hold. I again mentioned that i can not make the payment and need to cancel it and was told i could not and a  manager  would call me back.
Consumer complaint received 2017-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

I checked my bank account at XXXX on Thursday XXXX XXXX, XXXX, all was clear. 

At XXXX I received a text from XXXX asking if I made a {$630.00} transaction to a website in XXXX XXXX XXXX I received a call from XXXX XXXX. 

First I was told my card was blocked for confirmed fraud. Then I was asked to make an international call to a suspect XXXX Website to dispute the charges. 

I was then told that I have to wait until at least Monday but maybe 10 days for my money to be returned. I do n't understand why this transaction was allowed to go through on my bank account? 

This nearly wipe my account clean. It 's not fair, it should been flagged as suspicious before authorizing it. Calling me after the fact after placing a $ XXXX hold on my account, when they knew it was fraud, leaves me in a real lurch. 

Now I 'm on the hook for this until they decide to return my money. I ca n't even formely dispute this until it clear my account the next day. 

I 'm the victim of identity theft.
Consumer complaint received 2017-10-21
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. (FL)

From the months of XX/XX/XXXX through XX/XX/XXXX, I have disputed this unknown medical bill on my credit with Equifax, that it is " Not mine, please delete from file. '' I have even called in and spoke to at least 3 different representatives in the last 6 months about removing this erroneous/fraudulent account from my file. Equifax has ignored ALL attempts to get this resolved and has made it hard for me to apply for credit.
Consumer complaint received 2017-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I applied for a XXXX XXXX card ( ending in XXXX ) in XXXX of 2016 with a bonus of XXXX XXXX  XXXX miles after spending {$1000.00}. Upon receipt of the card, I noticed the card I was approved for was a lower tier card with only a XXXX mile bonus. I called BOA and asked to change the higher tier card ( as I had the credit score and qualifications and wanted the higher bonus for travel purposes ). They agreed and re-issued the card ( ending in XXXX now ) and advised that I would have the new bonus offer since the card was not the Visa Signature vs regular Platinum Plus. I went to use the points and earlier this year and noticed that they still only applied the XXXX bonus miles. I have contacted BOA a number of times and received no reply ( via letter ) and via phone, nobody was able to assist me and my escalation was never followed up on.
Consumer complaint received 2017-10-20
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Upstart Holdings, Inc. (CT)

UPSTART NETWORK INC is reporting that {$31000.00} is owed to them and listed as a derogatory account, yet I DID NOT open an account with Upstart Network Inc. According to XXXX and XXXX, this loan is a private education loan, yet I am not in school. I enlisted in the XXXX in XXXX, and I have been an XXXX XXXX service member since that time. I get XXXX in less than one month, and I need this rectified quickly. 

I have maintained credit freezes on all three credit bureaus, due to identity theft. Upstart Network Inc. is reporting on my XXXX and XXXX credit reports. Upstart Network Inc needs to remove the derogatory collections accounts from my credit files. I give the CFPB permission to post this publically, so other consumers can be aware of the unlawful business practices Upstart Network Inc carries out.