davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (WA)

To Whom It May Concern, We continue to dispute the validity of the fraud charges that occurred on XX/XX/XXXX. We request that the charges of {$41.00} and {$2100.00} be credited to our current Chase Sapphire account as soon as possible without any punitive actions. 

These charges were reported to Chase Security within minutes of the alert appearing on our mobile device on XX/XX/XXXX. 

On XX/XX/XXXX we received written notice that the fraud charges had again been applied to our Sapphire credit card account for the reason You received benefit from this transaction. Despite the findings of the initial investigation, we have not received any benefit from the merchant XXXX XXXX XXXX. 

Between XX/XX/XXXX and XX/XX/XXXX we have contacted Chase Fraud four times by phone and each time promised a return call in a few days from the investigator or the Escalation Team. We have also been promised a credit of our disputed charges. None of these promises have been fulfilled. 

Respectively,
Consumer complaint received 2016-05-03
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: M&T BANK CORPORATION (NY)

My wife and I walked into the XXXX XXXX M & T Bank branch in XXXX XXXX, XXXX NY to close all of our M & T accounts on file ( for myself and my wife ). We clearly stated our intentions to close all accounts and move on from this bank. After a half hour or so, we had exchanged cash where applicable in order to zero out each of our XXXX accounts. The banker told us we were completely closed out. We left the branch that day under the impression all accounts were closed per our discussion with the bank rep whose name is XXXX. A few weeks later we discover my wife 's " overdraft line of credit '' was in fact left open ( against our wishes ) and was now showing a negative balance of XXXX {$60.00}. The banker only actually closed XXXX out of XXXX of our accounts ( left my wife 's " overdraft protection '' line of credit open, even though the checking account it was linked to was closed ). So we immediately call the branch and we 're initially told its not possible to close the line of credit without coming into the branch. My wife explained to the rep its extremely difficult for us to come to this branch as its not close to our residence. Finally the rep says she will close the account and mail us a bill for the remaining balance on the account ( telling us that they waived a late fee ). 3 weeks go by and we do n't receive anything so we call again. This time we speak with a third rep who tells my wife to mail in a check for XXXX {$30.00} which will close out the account and we 're assured the account will actually be closed this time. We leave for a one-week vacation and when we return theres a letter from M & T Bank which is dated 3 days before our previous phone call and states that there 's an overdue balance of {$1.00} which at this point is 50 days past due and that this has been reported to credit bureaus. Sure enough we check my wife 's credit report and now see XXXX delinquent account on her report. This is the first and only delinquency on her credit report and her score has already dropped by XXXX points. We 've spoken with the branch manager named XXXX who is currently researching the issue has told us he 's not exactly sure if this is the bank 's fault and can not promise a reversal of the negative reporting to the credit bureaus. We firmly believe if the first banker ( XXXX ) had simply closed the overdraft line of credit the first time we visited the branch ( as we had asked for and assumed had happened ) there would be no issue and nothing negative to report to the credit bureaus.
Consumer complaint received 2017-03-10
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE (NM)

Hello ... 
I live in XXXX NM XXXX. 
my parents residing in XXXX sent me a money wire transfer through Western Union. 
I first went to XXXX. 
I was told I needed to have an account. 
I already have a bank account with someone else. 
I do n't need another XXXX. 
I checked on the net and from there went to XXXX. 
XXXX has a cap/limit of {$300.00} ... 
I am expecting at least {$3000.00}. 
I wasted my whole day trying to find a cashing place with no luck. 
I go home and call Western Union. 
an agent assures me that XXXX or XXXX will cash my transfer up to {$9000.00}. 
I call XXXX and told again the cap/limit is {$300.00}. 
I call XXXX and the lady there tells me " her machine '' is broken. 
she can not cash my transfer until it is fixed. 
the " machine '' had been broken for a week, she says ... 
this is a joke. 
we are talking about XXXX. 
a huge international company. 
they charged my parents ( in XXXX ) a huge fee to transfer this money. 
I am going to call back a few places in the morning. 
but I am just afraid I am going to have to travel to XXXX NM. 
if right, I am going to have to take the afternoon train, it is a XXXX miles round trip and will waste my whole day. 
this is just not right. 
what if I were XXXX or something like that? 
what if I did n't have the means to get to XXXX? 
I talked to my bank XXXX and unluckily, is not affiliated with WU. 
I thought WU would be faster. 
my parents are old. 
they wanted to send a international check. 
getting them to do a WU transfer was XXXX. 
well seems the check would have been a better idea. 
this is unacceptable. 
and I can tell you that WU customer service is useless. 
I talked to a manager. 
I told him that XXXX had a {$300.00} limit and the lady at XXXX claimed her machine was broken. 
I said what do I do to cash my money transfer? 
he replied ; you either have to wait until " her machine '' is fixed or file a complaint at the bottom of the WU website. 
that is all he had to say ... 
unbelievable ... 
sincerely, XXXX
Consumer complaint received 2017-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Report Number : XXXX Online Credit Report from Experian for : XXXX XXXX Report date : XXXX XXXX, XXXX This address has pertained to a business : XXXX XXXX XXXX XXXX CA XXXX. 

GENERAL BUILDING XXXX : XXXX XXXX XXXX XXXX XXXX, CA, XXXX. 
False and if so, someone else has opened this business. 
Also all delinquent accounts pertaining to my credit is from hospitals or medical providers that did absolutely nothing to help me with my condition? Might be a civil matter do n't know if you can do anything about that.
Consumer complaint received 2017-11-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

received a call from XXXX XXXX XXXX XXXX XXXX. After they had been advised not to call my cell number in regards to a debt that was included in a bankruptcy from a XXXX in 2014. They call 7 times from this number then 4 blocked calls then 3 unknown until I picked up. Then they proceeded to threaten me with arrest call be a XXXX XXXX XXXXr XXXX and tell me they were issuing an arrest warrant since I was a XXXX XXXX XXXXXXXX. 14 calls and verbal abuse and threats after I told them not to call the cell.
Consumer complaint received 2024-09-16
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. (IL)

This account was opened on date XX/XX/XXXX and closed on XX/XX/XXXX. There are no on time payments from XX/XX/XXXX to XX/XX/XXXX. This is inaccurate payment history reporting. I should have active payments XX/XX/XXXX to XX/XX/XXXX. This inaccurate information falsely manipulates my credit worthiness and it's hurting my ability to obtain credit. Experian failed to investigate this account properly after I repeatedly asked to have the account updated. Your neglect has once again violated my consumer rights. I am demanding a deletion of the account name : XXXX XXXX XXXX XXXX
Consumer complaint received 2017-02-11
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Fidelity National Information Services, Inc. (FNIS) (OH)

I recently tried to open a Business bank account and was unable because they said that my XXXX was on chex systems. I recently called XXXX, and XXXX and was unable to find any accounts. Those are the only companies I recall doing business with. I attempted to request my business consumer report but was unable. I was sent my personal report instead which showed no history.
Consumer complaint received 2017-02-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (ME)

I qualify for a loan forgiveness program because I work for a XXXX. FedLoan got my loans, and did not inform me they were my loanholders- or that I had my first payment- until three days after that first payment was due. They then informed me via mail, email, and on my account info that my payment date was the XXXX of each month, but they 've been charging me TWICE a month ( the XXXX and XXXX ) and refused to change the loan due date until I was current, which is difficult to do with my finances and the fact that they 're asking for over {$300.00} a month from me. I just managed to do it days ago, and informed them of such ( they asked me to tell them when I was current so they could help ), and they still have n't changed my due date to a singular date on the XXXX, which means that they " ca n't '' change it until I pay them another {$150.00} because that extra payment was due today. From talking with friends and family who use FedLoan, this sort of theft seems to be common with them, and of course no one reports it because only " a few hundred '' gets swindled. I 'll happily pay back my loans, but I ca n't pay them back if the money does n't physically exist to do so. At no point did FedLoan EVER inform me that I was on any sort of " twice a month '' payment plan, and even looking at my account info right now it says I pay on the XXXX. Not the XXXX AND the XXXX.
Consumer complaint received 2017-02-13
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: American Credit Acceptance, LLC (CO)

I needed a car and knew that my credit was not good, and saw an ad for second chance dealer. XXXX. XXXX XX/XX/XXXX XXXX Approx XXXX miles {$9200.00} Purchased XX/XX/XXXX I put {$1000.00} to lessen the blow. XXXX puts XXXX in good condition XXXX {$2600.00}. I was essentially upside down before I got out the door. 
Original financing was done by XXXX. Always had trouble getting through to them via phone if I needed anything. Had my payments directly ACH from my account. My payments were {$260.00} per month. This is like payday loan type interest/terms. 
I moved in XX/XX/XXXX. So my rent increased since before I had a roommate, and now in a one bedroom on my own. I changed jobs in XX/XX/XXXX with slightly better income but the increased living expense pretty much negated that. 
In XX/XX/XXXX did some paperwork to change my payment from Bi weekly to monthly but apparently XXXX never did this. On XX/XX/XXXX a regular bi weekly payment was not taken out as usual. 
A week later I got a packet from a company called American Credit Acceptance. They had taken over my loan. I had no previous warning from XXXX that this would be happening. I was not notified about American Credit acceptance until a week AFTER XX/XX/XXXX 
I do not feel they should be able to do this ( just take over my loan ) without any prior notification. I never signed any paperwork or agreed to anything with American Credit Acceptance. They specifically state there is no opportunity to " negotiate '' the terms of the loan. I have made my payments to American Credit Acceptance so far. 
However, I am struggling with this amount and the ever rising cost of living here in the XXXX XXXX. I am stuck with a car that needs major work I can not afford ( the original " warranty '' was worthless ) due to the high payments. It is old and high mileage. 
I feel that all XXXX companies involved - XXXX, XXXX and American Credit Acceptance use predatory sub prime lending tactics similar and hurt the those who can ( literally ) least afford it.
Consumer complaint received 2016-08-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (TN)

This is in reference to Case Number XXXX - XXXX, where as I received communication from CFPB on the status of my case on XXXX/XXXX/2016 per the referenced case that HSBC Mortgage Servicing had sent a communication to CFPB that they needed more time of 60 days to work on my complaint. Howerv, that is n't the case as you can see by the attached documents that they have already decided to deny my request for a loan modification. In their corresondence to me they said that I could appeal but the information in their corresponce is so unclear as to what I 'm to appeal. This has been the historical missleading information being received from HSBC, along with the inability to contact the relationship manager that 's assigned to your case, to obtain factual information. I have attached documention from my account with HSBC and the correspondence most recently received. So i 'm even more so convinced that they are not taking modification requests seriously and thus violation federal Mandated requirements. XXXX XXXX XXXX
Consumer complaint received 2017-03-08
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HSBC NORTH AMERICA HOLDINGS INC. (MD)

Got a collection from XXXX in the sum of {$2300.00} for a credit card issued by Household Bank, when I call the agency I was told it was for a credit card I opened in 2003 however never owned a credit card from this bank, I was told I also have a judgment against me and I was threatened with court action this is the first time I am even hearing about this debt after 14 years.
Consumer complaint received 2017-12-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: WELLS FARGO & COMPANY (FL)

I have a loan for a heating/air conditioning system I purchased in which XXXX XXXX XXXX XXXX XXXX ( to be referred to as Wells Fargo going forward ) was the financing source. The company I purchased thru was XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Several month 's later we had Hurricane Irma come thru XXXX, Fla. and I was impacted financially by the storm enough that I called Wells Fargo to get relief on not making the $ XXXX monthly payment for at least 1 month. The customer service person on the phone with Wells Fargo stated she would put the request in and advised it would take approx. 60 days to get an answer. I told her to note I would not be making that month 's payment. 
I thought that answer was rather odd, so I called a few days later and spoke with another customer service rep. at Wells Fargo and pretty much had that information confirmed. 
I received a letter from Wells Fargo approx. XXXX XXXX ( after I had made that month 's payment ) that stated they were giving me a 3 month suspension on my payment. ( letter is attached ). 
The verbiage is as follows : This letter confirms our agreement to suspend your monthly minimum payment on the above-referenced credit card account for a period of 3 months. Your next payment will be due on XXXX XXXX. 
During the 3-month period : Your minimum payment due will be suspended Late fees will not be assessed Credit Bureau report updates for your account will be submitted to reflect this relief period. 
Interest will not accrue or be assessed. 

I get my billing due for XXXX XXXX and to my surprise they are requiring a {$230.00} minimum payment and had also charged interest of {$42.00}. 
This does not back up what the letter stated. 
I called customer service on 2 occasions and neither agent had a clue what I was talking about. 
I also called 4 times, XXXX XXXX ( she signed the letter of suspension of payment ), and to date I have not had a requested return call or email response. 
This whole situation is, I fear, going to open up a whole big can of worms with late fees being assessed and derogatory remarks put on my credit report, all for a Wells Fargo screw up. It seems one hand does not know what the other is doing and I need the CFPBs help. 
I will be making my minimum payment of {$140.00} on XXXX XXXX as agreed from my original contract. Who knows what actions this will start so I want to get this under control before it gets out of hand. 

AS AN ADDED NOTE, I WORK FOR THE XXXX in the XXXX XXXX XXXX.
Consumer complaint received 2017-12-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (CA)

I was invited to open an checking account with us bank, and get {$200.00} bonus if meet the spending requirements. 

After I met the requirements and waited for 5 months, the bonus still does n't shows up. 
Tried multiple calling with customer service, branch representatives without solution.
Consumer complaint received 2016-09-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On XXXX XXXX of XXXX there was a hard inquiry initiated by XXXX XXXX XXXX XXXX on my Transunion credit report. This WAS NOT authorized by me and I have never done business with this company or any of its affiliates. I have contacted the company on XXXX occasions to find out why this was done and have the inquiry reversed or cancelled from my credit history. No one seems to know what happened and what to do to resolve. The last contact with XXXX XXXX XXXX was XXXX on XXXX/XXXX/XXXX ( XXXXXXXXXXXX XXXX who is the Corporate Business Manager for the company and she can not confirm an account in my name nor credit search initiated ( for XXXX XXXX, XXXX XXXX XXXX. She contacted the Credit Bureau XXXX XXXX XXXX ( where XXXX XXXX XXXX resides ) and spoke with XXXX XXXX XXXX XXXX ext. XXXX ) whom called me and told me to contact Transunion and have the inquiry reversed. I told her I have already contacted Transunion and was told to file a complaint with CFPB. Why was this credit inquiry done and what can be done to prevent it from happening in the future. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. 
XXXXXXXX. XXXX XXXX
Consumer complaint received 2016-05-04
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: R.A.Rogers, Inc. (VA)

I have asked R.A Rogers Inc to validate a collection they are reporting on my credit reports on XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Consumer complaint received 2017-02-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

For most of my life, I 've used cash and never really knew what credit was growing up. Over the last year, I noticed some fraudulent items on my credit that I did n't open. They are all over the XXXX Texas area, and the local police department does n't want to seem to help because its hard to find them. My credit suffered, not as I used it anyways but still, I do n't have a good start. I went online a couple of times to dispute stuff, and nothing happened. Since having my report ran and talked with the federal trade commission, they advised submitting documents to credit bureaus and the negative source who is saying. And to keep responses and when it was sent.
Consumer complaint received 2016-06-07
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY ()

Wells fargo bank / mortgages, have deliberatly refused to answer any of my questions about no1 Fraudulent forclosure, no2 no missed paymants, no3 acount in credit {$1000.00} {$5000.00} in escrow, insurance damage check {$2500.00} total {$8500.00} no 4, forced home owners insurance at XXXXtimes amount, no5 altering documants, perjury committed, no 6 house sold to third party then resold within XXXX days $ XXXX more, no XXXX predatory lending stole property, with XXXX % equity over $ XXXX stolen no7,, miss sold pickapaymant mortgage no8 FHA insurance fraud, XXXX cfpb cases to date with wells fargo bank, all these qestions have supreme court and county court orders for compensation, cfpb why are applying zones when wells fargo bank has decieved the consumer, why are you saying people are protected why, i requested your help in XX/XX/XXXX and you did nothing and i lost my home in XXXX XXXX to fraud and you did nothing about it then Now XX/XX/XXXX and more complaints to you all i see is are fineing wells fargo bank, and not passing on any compensation monies you are working for wells fargo you can say you won this and that no money has changed hands. also no 8 croocked judge XXXX XXXX XXXX county court in Cahoots with wells fargo, also atterney for the bank handbook how to fradulently print and copy documants forgerys this bank is sham it should be shutt down
Consumer complaint received 2017-02-12
Product: Credit card — 
Issue: Transaction issue — 
Company: FIRST HAWAIIAN, INC. (HI)

In XXXX 2016 called First Hawaiian Bank 's Consumer Service to let them know about a fraudulent charge on my credit card. The representative said she would reverse the charge and told me the balance I owed which I paid. This same fraudulent charge appeared back on my next statement so I wrote a letter regarding such to XXXX XXXX the Ops Mgr. He says that I should have placed my complaint in writing and that the time to do so had Expired. To me this is disingenuous and hypocritical. My response is that their Customer Service representative led me to believe that the problem had been resolved. Thank you