davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-25
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CA)

During the period XXXX-till date I have tried to open several checking accounts for personal and business use. The bank forced me as part of the account creation to also have a savings account. I could not open a checking account by itself. 

I agreed to open a Savings account for my business ( XXXX ) even though I did not need that account. I deposited {$25.00} in it of my own money. Obviously since I really did not need this account, I did not use it either. All through out this time, they never paid be a single cent of interest on {$25.00}. 

After several years of non-use elapsed, my account was shut down without my consent and turned over to the California Controller as unclaimed property. I have had 4-5 accounts and credit cards with the bank and they turned over my balance {$25.00} to Unclaimed Property. 

Now the California Controller says that they have received many Claims and because of the volume they can not process my Claim. They very likely will not pay me any interest either.
Consumer complaint received 2016-12-28
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION (TX)

On XXXX/XXXX/2016 I made a payment to my Navy Federal Checking Line of Credit, which NFCU claimed on XXXX was returned unpaid. On XXXX/XXXX/2016 my account access for all of my Navy Federal accounts was frozen. I called NFCU to inquire as to why I could not log in to my accounts. At that time the agent attempted to walk me through a password reset of my account. I was still unable to log in. At that time I was advised that my accounts were fine, but that the loans department had placed a freeze on my accounts. That team was unavailable, so I had to call back. 
I called NFCU again on XXXX, and was advised that because my Checking Line of Credit was delinquent, my electronic services had been revoked. I had no access to any of my accounts. I was assured that until I paid what I owed Navy Federal, I could still transfer money between my accounts over the phone to pay things like my car payment and credit card, as well as use my NFCU credit card as long as I continued to remain in good standing on those accounts. 
On XXXX I started receiving notification from places I was making payments to that my payments were bouncing from both my credit card and checking. I called again and asked about what was going on, and was advised that my account was overdrawn. NFCU had removed all money from my accounts to go towards the XXXX balance. An item attempted to clear my account, but was returned. The vendor, XXXX, had another attempt scheduled for that evening, so I asked the agent to have money transferred from my credit card to checking to cover the balance until we figure out what is going on. I was advised at that time that ALL access to anything, including transfers, my credit card, etc. had been taken, and I could not access my accounts until NFCU was paid for the XXXX that was past due. I can not even use the phone to handle my account. 
At this time, I have no access to any of my accounts, and NFCU has caused my checking account to become delinquent as well. I have all of my liquid financial assets with NFCU, and this is causing severe hardship for myself and my family. I received no notice that my accounts would be frozen, especially when I am not delinquent in all that is frozen. I understand that this practice is in direct violation of the CFPB ruling file XXXX/XXXX/2016 labeled " XXXX ''. 
I would like my access restored, and any harm done to my accounts to be reversed, immediately.
Consumer complaint received 2016-11-28
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (TX)

I have fr previously submitted a complaint XXXX. The response from Chase bank was n ot what I had wanted. I want a detailed investigation as to photo status of the alleged credit card that I am alleged to have on XX/XX/XXXX am XXXX XX/XX/1994. What yhis did I buy with this card.
Consumer complaint received 2016-12-28
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ENOVA INTERNATIONAL, INC. (TN)

When I applied for this loan, I was not given a definitive interest rate nor payment amount. I was desparate and took it anyway based on being assured I would receive the complete information when the loan was completed processing. I was told I had until my first due date to return the money if I did n't like the terms. I told the company I do n't do business by email but was told that was the only way for me to get my loan information. I have requested the terms and payment schedule in writing but was refused saying they only use electronic communications, however their loan offers still continue to arrive USPS along with their collection notices. I still have n't gotten the loan information even by email. I borrowed {$800.00} which was deposited electronically into my checking account. Without my knowledge or approval, {$210.00} was then withdrawn by CashNet out of that same account. When I called CashNet about this, I was told that is how repayment is done but yet the company still REFUSED to give me a definitive payment amount or due date. I have refused to make payments until this matter is settled.
Consumer complaint received 2016-11-25
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: WELLS FARGO & COMPANY (CO)

I have attempted to log on wells fargo to make a credit card payment since XXXX 2016. The reps continue to tell me they can not help me to access online banking even after I provide numerous security and personal information. When asking for contact information to manager he stated he was the highest level supervisors present, I clarified I wanted to speak with his manager who he reports to, he said he was not available and provided me only a name and no contact information. XXXX then asked me a series of questions, I spent XXXX minute with a supervisor, XXXX from the XXXX call center, who would not provide an id number. He had me provide XXXX of my last payments, social, old and new phone number. They state I must have my credit card number, expiration and XXXX digit code to proceed and to call wells fargo back when i have it. XXXX did offer to send me to other departments for to attempt to make the payment. After XXXX minutes XXXX transferred me to credit card services. He stated there may be a longer wait time, I asked XXXX to wait on the line so I was not disconnected, XXXX hung up, transferred me to XXXX who was unsure why I was calling. XXXX provided my minimum due and payoff amounts. I spent over an hour on the phone with no resolution. I still am unable to access my accounts online, I am now unable to see transaction history nor receiving statements.
Consumer complaint received 2017-02-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ORG GC GP BUYER, LLC (IL)

XXXX XXXX, GC Services Limited Partnership, charged my card in the amount of {$650.00}. This was a debt associated XXXX. I had given XXXX my card number in XX/XX/XXXX. I never provided this entity with permission to charge my card, was never sent information to dispute the debt and without consent they used a card that XXXX had on file that was expired to charge my card. This behavior resulted in me not being able to pay bills and ended my ability to stay with this financial institution. I tried calling them and was hung up on. They reached beyond the scope of the Fair Debt Collections Practices and made up arbitrary rules. They have refused to respond to my inquires. I was not allowed proper rights in this matter.
Consumer complaint received 2017-02-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

XXXX. This is the first opportunity I have had to examine my credit scores. I have a dispute with a lien listed as XXXX. I came to an agreement with XXXX XX/XX/2016 and this account is almost paid in full. My understanding from their attorney is that this lien would be removed from my report immediately. I will pursue legally with them but would like to know what documentation you need to remove this from my credit reports. 
Thank you in advance for your assistance. 
XXXX XXXX
Consumer complaint received 2016-10-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Transunion added previously deleted inquiries from my credit report. 13 days later, those same deleted inquiries were placed back on my file. I called Transunion and inquired about this and they stated they experienced a glitch and would remove them. Upon checking my report, the inquiries are still on my report and have not been removed as promised.
Consumer complaint received 2016-06-24
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: PNC Bank N.A. (PA)

Once again, I attempted to do an online transfer of {$100.00} from my PNC checking account to my PNC smartcard and once again PNC has removed the funds from my checking account and has failed to put them on the smart card, forcing me to call in YET AGAIN, be placed on hold and transfered to various departments in order to get the funds either returned to my checking account or put on the smartcard. This time, an " escalating customer service rep '' said that they are aware that there is a glitch that sometimes does this, that it is their fault, that they have had numerous calls when it happens, but have no idea how to fix the glitch since it is inconsistent. PNC needs to have severe punitive penalties, from in effect, stealing from its customers and not addressing the issue unless customers are willing to be on hold for over an hour with each incident and get angry. PNC acts are clearly illegal and need to be fined heavily -- my guess is they will figure out the " glitch '' very quickly if they are forced to do so.
Consumer complaint received 2016-11-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (LA)

We have a mortgage with Wells Fargo and have been impacted by the flood of 2016 in Louisiana. Wells Fargo is showing favoritism to customers by denying full release of checks to us while fully releasing checks to others ( who we understand have family employed with Wells Fargo. ) Our settlement check is for {$230000.00}. The other person 's check is for approximately {$200000.00}. According to a letter dated XXXX XXXX, 2016 from Wells Fargo we were declined the release of this check due to the amount. " On XXXX XXXX, 2016, another customer of XXXX XXXX, LA was notified of a full release of their check and was given funds from the local bank. They also received a certified letter from Wells Fargo in early XXXX prior to Wells Fargo receiving their Proof of Loss statement notifying them that they would be able to have their check fully released to them. On XXXX XXXX I contacted Wells Fargo and spoke to XXXX XXXX in the Property Loss Department and asked what was the criteria to have my check fully released. He stated that it was based on the amount of the check. I explained to him that a customer received a letter notifying them that their check would be released and this was sent without Wells Fargo knowing the amount of settlement. He then sent my call to XXXX who is on the Resolution team. I asked the same question and was told that it was not based on credit, standing, loan to value or any other criteria but simply based on the amount of check. Checks at $ XXXX would be released. He stated that if someone received that letter without knowing the amount of claim, " then that letter must have been sent out by mistake. '' At this point, I requested that my check be released to me in full stating that we our outstanding customers, never in default, professionals, willing to provide past 2 years tax returns, great credit scores and that we had a vested interest with substantial equity in the property and were not a high risk. We were declined. We have been continuing to make repairs to our home. Wells Fargo has completed an inspection on the property and determined to be at 50 % completion and this is without using the settlement check that I still hold in my possession. We are no different than the other customer other than we do not have a family member working for Wells Fargo and we have completed 50 % of the work while the other customer has done 0 % to rebuild their property. How is it possible that consumers can be treated differently as such? We can provide names and documents to substantiate our claim.
Consumer complaint received 2016-10-21
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BB&T CORPORATION (NJ)

I was a Susquehanna bank customer. I had a credit card with Susquehanna Bank serviced by XXXX XXXX. BB & T purchased Susquehanna Bank and all customers were " transitioned ''. We retained a credit card if we had XXXX. On XXXX XXXX 2016 I applied for a BB & T XXXX XXXX card with the sole purpose to use it as a low balance business card to make XXXX or less material purchases for my small business and take advantage of the 0 % introductory interest rate. I applied for the card IN PERSON at my local branch. I was immediately approved but for a very low credit limit. with a credit score of XXXX and a credit limit of XXXX on my current visa I asked why? My local banker called BB & T and they said they raised the credit limit to XXXX confirming it with my branch the next day. AT NO TIME was a balance transfer discussed. A few days later I received a letter from BB & T stating I had been approved for a XXXX with a credit limit of XXXX. 3 days later my card came, I activated it but did not make any purchases at that time. Upon checking my online balance a few days later on BB & T 's online banking website I noticed there was a XXXX balance on my new card. I immediately went to my local branch and questioned this. My banker noted that I was NOT the only person this happened to, and perhaps it was a glitch of some kind. When he called BB & T they said they were getting a high volume of calls about cards that day. My banker was connected to a supervisor of some kind and they stated I initiated a balance transfer. My banker then physically pulled the paper application I filled out for the card and signed and dated IN MY OWN HAND. The " balance transfer certificate '' section was BLANK. Upon further arguing back and forth BB & T faxed over a " new '' application that had the balance transfer certificate filled out in TYPE FACE and DID NOT HAVE MY SIGNATURE on it. My banker argued that I had not asked for the transfer, BB & T said they would waive the XXXX dollar finance charges on the transfer but that I was now responsible for the debt. No one can explain how or why the balance transfer happened or who authorized it. BB & T then claimed that once a customer signs a document that signature can be used on any other document they choose. With Susquehanna my monthly payment was under XXXX, this was within my very tight budget. The balance transfer nearly maxed out the new card, and brought my monthly payment up to nearly XXXX a month FAR outside my ever tightening budget, and it made the prospect of using the card impossible and further caused me financial hardship. They are unbending and uncooperative in helping me with this issue and left the blame for this incident on the branch and the banker who submitted the application. I was there and I NEVER asked for a balance transfer nor did the banker in question. BB & T corporate is at fault and should be blamed, investigated and reprimanded for their actions NOT my local banker or the local Branch.
Consumer complaint received 2016-12-28
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC. (MO)

Equifax is providing me unequal / disparate treatment as it relates to unfreezing my credit file. Their online portal does n't allow me to unfreeze my file so I have to call in. When I call, they taunt me and say that since I did n't do it online I 'd be punished with a five day waiting period. This prevents me from running any credit applications for an extended period of time. They have no technical support department to contact to resolve the issue. Therefore I 'm unable to unfreeze my credit report in a timely manner and the company is clearly unwilling to support this simple issue.
Consumer complaint received 2016-11-25
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Security Credit Services, LLC (FL)

I called in and spoke with a respresentative by phone.XXXX and he was not able to work out arrangements with me. He mispronunced my name I advised him I was considering bankruptcy but I wanted to work out arrangements. XXXX then told me he will set up arrangements after I spoke with his supervisor for XXXX then he came back on the phone. Asked for my phone number and email and I advised that I would not be able to provide that information. He can only notify by mail only. He refused to take my payment arrangement after I told him I would report the business to CFPB. I will be looking to take legal action based on this call.
Consumer complaint received 2016-06-25
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: TD BANK US HOLDING COMPANY (CT)

An ATM claim was filed with my bank, TD Bank, for a charge in the amount of XXXX which occurred on or around XXXX XXXX from XXXX. I received an information packet from TD Bank today, XXXX XXXX, with information denying my claim, there is documents from XXXX showing information on the charge but did not prove the product/item was delivered. The product/item in question is XXXX tickets to XXXX XXXX in XXXX XXXX on XXXX XXXX, I live in XXXX and have not been to XXXX XXXX on or around this date. In fact, my last visit to XXXX was XXXX XXXX to the tenth of 2015. I explained to TD Bank rep taking claim that the product/item was not received and did not make the purchase, it appears someone used my card number to purchase tickets while person was in XXXX, the purchase was made over internet. I suspect their website might have been hacked and or person had my card number written down. The card was not lost or stolen and explained that this is the only unrecognized charge Ive seen so far, did not feel need to order a new card. It appears tickets were not used upon learning ID had to be shown to get into event, Ive checked into this and learned that they were not in fact used. This information was provided by rep ( s ) at Venue Driver as well as XXXX XXXX, the party owned by XXXX. Ive attempted to resolve matter directly, however, XXXX has a strict no refund policy and will not issue refunds, even if fraud occurred. They will even deny a charge is fraud so as to avoid having to issue refunds. Their rep ( s ) have referred me back to TD Bank. They have a complaint with the XXXX as well as XXXX Attorney General 's office, both unresolved. I called TD Bank today to further dispute charge, however, I was advised it is considered closed as merchant provided proof tickets were received, this proof is merely a confirmation showing tickets were sent to my email. However, no such email was received as I have a block preventing any email from unrecognized senders. Also, as mentioned previously, I was not in XXXX on or around time of purchase and no way I would purchase tickets to an event I could not go to. In closing, please advise TD Bank I need this item further disputed. Ive attached an email from XXXX with XXXX denying refund. TD Bank recently replied again denying further inquiry into dispute, did not provide any new information as they have nothing to show any email received by myself. The information they have shown thus far is merely an email was supposedly sent but not received with item or product. Again, I wish to reiterate I was not in XXXX to attend any such event and would not purchase tickets for something I can not go to. Please do not mark this as duplicate, there is additional information contained.
Consumer complaint received 2016-11-24
Product: Other financial service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Remitly, Inc. (NJ)

I am dealing with www.Remitly.com. This website lets you send money to several countries. I sent {$510.00} to foreign country. After 3 days they claimed recepient account information is incorrect. 

So I asked them to allow me to fix it. Their website does not have ability to even view recipient details after a recipient is set up. And there is no way to amend it. 

They insist on amending recipient details on phone only. Without showing me what are the recipient details they want to amend on phone. Which makes it VERY suspicious scam to hold money as long as possible. 

Given this frustrating experience, I asked them to cancel transaction!!! And it takes them 10 days to cancel it. 

This is nothing short of scam. Money transfer services must be regulated further.
Consumer complaint received 2016-11-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Dear Officer of Consumer financial Protection Bureau : I am writing you this letter regarding my current Mortgage Service provider Select Portfolio Servicing , Inc. For past few months, I have tried resolving the repayment plan with Select Portfolio Servicing , Inc. , however they are unable to resolve the issue and they are not giving me any reason at all. I asked for loan modification and I was informed by my case manager that Select Portfolio Servicing , Inc. does not participate in any government program. Recently, one of their operators accidently told me that they are in process of selling Select Portfolio Servicing , Inc. to a company called XXXX XXXX XXXX and they are working with anyone on any plan. I was informed that, it will extremely hard to get a correct answer from anyone as employee are looking for jobs elsewhere. This is totally unethical that they do not follow government based load modification program and resist to provide any assistance to consumer. Select Portfolio Servicing is totally out of compliance with government.
Consumer complaint received 2016-10-21
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (FL)

I closed an account with Chase due to fraud ( card ending in XXXX ) in XXXX Well I have noticed balance transfer fees. So I called Chase and this is the summary of what I was told : When you closed your account ending in XXXX the balance was transfered to the new card ending in XXXX. 
I told them they can not charge me a balance transfer fee because the account with them was closed due to fraud activity ... ..so far all Chase has been willing to do was close my account ending in XXXX and issued a new card ending in XXXX. 
I need someone 's help getting ... balance transfer fees paid back that Chase has been charging me for a couple years. When I call they have no answers for me.