davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

Chase fraudulently withdrew funds from my XXXX  checking account during an ATM transaction knowing that the machine would not dispense the cash to me, and now I am having to fight both banks to get my money back. 

XX/XX/2020 at XXXX XXXX  A Chase ATM withdrew {$400.00} ( plus {$3.00} fee ) cash from my checking account at XXXX. 

{$400.00} for cash, which was not dispensed. 
{$3.00} was for the service of dispensing that cash. A service that was not performed. 

The receipt from the ATM says " We aren't able to give cash right now. Please call us at XXXX XXXX XXXX. '' It shows {$400.00} taken from my account. Proving the machine knew what had happened and took the money from my account anyway. This is not a technical error, glitch, or bug. The machine was programmed to perform these operations in this order for the benefit of the bank and not the consumer. 

XXXX XXXX  I called the number and the Chase representative said they couldn't verify the transaction and I needed to call XXXX. 

XXXX XXXX  I doubted that the money was actually taken from my account, so I tried a different ATM. The transaction was denied because " You've reached your transaction limit. '' This is when I checked my bank account and confirmed that the funds had been taken. 

XXXX I called XXXX and they said I should call Chase. When I said I had already done that, they offered to cancel my card and said I should call member services on Monday during working hours. I asked them to remove the transaction limit and they did not. They took my number to have a supervisor call me. No one called. 

I called Chase again. Chase said this was a known issue and that filing a fraud dispute was the process they expected ATM customers to follow. They did not apologize or do anything to return the stolen funds. 

Monday XX/XX/2020 XXXX XXXX  I visited my XXXX branch. XXXX told me I should call Chase. I told them I had. After explaining the situation and showing the receipts, they said they would put 'provisional ' funds back in my account within 3 days in the amount of {$400.00}. They would file a dispute with Chase and give Chase 45 to 90 days to conduct an investigation. 

No ATM should be programmed to draw funds without dispensing cash. The process to recover funds is deliberately difficult, wholly unnecessary, and only benefits the institution that wrongly took the money. 

This is not an isolated incident. The first person I talked to about it ( a neighbor ) said the same thing had happened to them with the same bank and ATM.
Consumer complaint received 2020-02-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion credit bureau report XXXX This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit
Consumer complaint received 2020-02-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (GA)

XX/XX/2020, account opened for checking and savings account on Suntrust.com XX/XX/2020, Suntrust debited my other bank for {$100.00} and for {$50.00} to fund my checking and savings account at Suntrust. They sent me welcome emails and information packets to my email welcoming me to Suntrust. 

XX/XX/2020, unable to log into my Suntrust account, no email received. Called Suntrust, they stated account had been closed due to undisclosed reasons. They said they didn't see any balance on the account and no money had been added to it. When told funds were added upon opening, they said if so then it would be refunded back to my debit card that I funded it from. 

XX/XX/2020, funds not refunded, still missing {$150.00}, when I spoke to Suntrust again, they told me the account was closed and they didn't see any money was added to my account but if it had been then a paper check would have been mailed. 

Problem : Opened account but it was closed without notification. {$150.00} was never refunded back to me after Suntrust took it from my other bank account to open my checking and savings.
Consumer complaint received 2020-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I filed a complaint with the North Carolina Department of Justice, but referred me to the CFPB, because State has no jurisdiction over federal court cases. 

Now, I ask GM / Capital One to refund my money {$18000.00} because GM / Capital One had a fraudulent credit transaction from my two banks. ( Exhibit # A ). 

GM / Capital One provided two credit card numbers are NOT my credit card number, both credit cards were withdrawn from my two banks totaling USD XXXX. 

I am a victim of identity theft, and GM / Capital One conducted a false credit transaction. and also I did not give GM / Capital One any authorization or consent to allow the GM card or Capital One to withdraw my money from my two banks and deposit them into two different accounts, both none of my credit cards is my credit card.different account that is also violated false statement, and antitrust law.
Consumer complaint received 2020-02-20
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2019 I paid my XXXX XXXX balance as I always do pay my credit cards on time. I used a company check from XXXX and my accountant said I needed to start using my personal account to pay my credit cards. I called XXXX XXXX in XXXX XXXX and cancelled the ACH. I then tried to make a payment with my XXXX checking account. I didnt have XXXX signed up so XXXX  XXXX informed me that they would send two small deposits and I would verify them and then I could make my payment. 2 days later I paid my balance with my personal ACH. XXXX  XXXX XXXX  did not cancel my XXXX ACH and also cashed my XXXX ACH each ACH was credited to my account about XXXX I believe. I only had a XXXX dollar limit. I asked them why they didnt cancel my first XXXX payment and why they would double my payment and they had no reasonable explanation. I then contacted XXXX and cancelled the second ACH because XXXX looks after Veterans. XXXX  XXXX the cancelled my Account and blocked me out of the Online account. I made my payments on time with XXXX XXXX for about 2 years. Never late! XXXX XXXX reported a charge off in XXXX after I made my XXXX payment. Then after disputing with Experian they removed it and now it keeps returning and Experian will not reopen this dispute. I will download all the documents. This has cost me major problems with my other credit Bank XXXX XXXX. I applied for an Auto loan through navigator the XXXX XXXX XXXX XXXX  platform and was approved for XXXX and then my score dropped 80 points again because of this same problems. I have never been late in any credit card or loan ever and I still suffer for Experians bad attention to the facts.
Consumer complaint received 2020-02-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (TX)

I received my annual escrow shortage statement and called to discuss why they only allow me to pay a portion of the shortage and not all of it to keep my monthly payments level. The only reason I was given is that it was a RESPA requirement that they had to spread a portion out to each monthly payment. 

I explained that I have the money now to take care of the difference and that continually increasing my monthly mortgage payment causes a financial hardship throughout the year. The options they gave me were to refer me to collections to adjust my monthly payment. I don't want to adjust my monthly payment and extend the loan I want to pay the entire difference in one lump sum and keep my payments the same. 

I have reviewed Shortages, Surpluses, and Deficiency Requirements 12 CFR 1024.17 ( f ) and I see that if the shortage is less than a monthly escrow payment I should have the option to pay it all at one time. My concern is the shortage is anticipated/estimated so they have no way of really knowing at this point that it is over the monthly escrow payment. 

I realize the law is there to help protect the person paying the mortgage but in cases like mine it can create a hardship and there should be an option to pay it in one lump sum. 

I have no way to contest that their anticipated amount is correct or not and therefore, request that you help me with PNC Bank 's estimate and find a way to stop them from continually raising my monthly payments when I have the means to keep them level by paying the shortage as one lump sum.
Consumer complaint received 2019-03-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (NJ)

I asked several times to have account verification. I even called XXXX and they could not validate the account. I keep disputing this account and somehow they say it's verified. They haven't sent me the original contract with my signature or any proof that this account is mine. {$350.00} is the amount owed in total.
Consumer complaint received 2020-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (IL)

Called chase card customer service at XXXX to book airline tickets. We were quoted a rate for 4 airline tickets in the amount of XXXX, we received and email of this charge, them six minutes later we received an additional charge of XXXX. We had been on the call with the chase booking agent while he repeatedly asked us to repeat our information. He then gave us an itinerary number. What we did not know is that this itinerary number was not associated to the originally quoted amount. Im six minutes our tickets prices had jumped almost XXXX. The only solution escalating this was waiting 72 hours for someone to listen to our call. At which time they offered after the 72 hours ( after tickets were officially booked ) they would refund us the amount of they determined on the call we were quoted the XXXX amount. After speaking with two supervisors we were told this was our last option at which time we cancelled everything, however the credit to our credit card for XXXX would not be back on our card for 24 hours. Chase travel is using deceptive practices to book airline tickets or have not properly trained their call center employees to book the services offered per there services.
Consumer complaint received 2020-02-21
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: CITIBANK, N.A. (MO)

Over the course of the last few years ( dating back to approximately XXXX ), I have had several Citibank Mastercards and 1 Citibank bank account that earn XXXX XXXX miles as rewards for spending money on the cards or depositing money in the bank account. Citibank and XXXX XXXX have a corporate partnership whereby Citi buys miles from XXXX  and gives them to customers as rewards for using Citi financial products. 
On XX/XX/XXXX, XXXX XXXX unilaterally and without warning terminated my frequent flier account, cancelled an existing ticketed itinerary, and confiscated over XXXX miles. XXXX  has provided only a vague accusation of " fraud, misrepresentation, or abuse '' with no detail of the alleged infraction, and no way to contact them to discuss or appeal this decision. 
As Citi is subject to financial regulations and CFPB oversight, I request that CFPB investigate this fraudulent practice by Citi and XXXX. I met the terms of my agreements with Citi, they awarded me miles as a reward for my business, then XXXX  stripped those rewards with no warning or appeal. 
The value of the XXXX confiscated miles is {$4400.00}, and the cancelled itinerary will cost me approximately {$8200.00} to replace.
Consumer complaint received 2020-02-09
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. (MO)

My identity has been compromised inwhich resulted in unknown and unauthorized accounts reporting on my credit file inwhich I have no knowledge of, therefore I'm demanding that these accounts be blocked and removed immediately from my credit file, if not then the 3 major reporting agencies shall show just cause via a Method of Verification and if this can not be honored then the following accounts shall be removed. 

1 ) XXXX  XXXX XXXX 2 ) XXXX XXXX {$710.00} 3 ) XXXX XXXX {$580.00} 4 ) XXXX XXXX XXXX {$540.00} 5 ) XXXX XXXX XXXX {$530.00} 6 ) XXXX XXXX XXXX {$270.00}
Consumer complaint received 2020-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL (NY)

On XX/XX/2020 i received notificaitons from several different credit monitoring applications i use that a hard inquiry from PP/sync had appeared on all 3 of my credit bureaus. I contacted the creditor and learned that some type of online had been approved for me in the amount of {$750.00}. I informed them that I DID NOT apply for any form of credit with their company and that this was a fraud. They advised me that the line of credit was opened online and that my name and ss # were used however the address and phone did not match mine. He assured me that the line of credit had been closed furing our call, and it had not be used as of yet. He stated that they would begin a full investigation. I immediatley contacted all 3 bureaus and put a credit freeze and fraud alert on my social. 3 days later XX/XX/XXXX I again begin receiving notificaiton from my credit monitoring companies. The account had begun reporting on my bureau with a {$30.00} balance dropping my credit score significantly. I called back to learn that the first fraud specialist i spoke with had actually NOT completed my claim and the account was not closed. Now for the second time, I'm to trust that this creditor is handling my dispute properly
Consumer complaint received 2020-02-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (NJ)

This account that was opened was opened without my consent.I am unaware of this account.I 've reached out to this company many times about this issue. They have decided to ignore my concent. This is unfair in many different ways.I am writing to dispute a fraudulent account in the amount of $ _XXXX____. I am a victim of identity theft, and I did not make or authorize this charge or this account. I am requesting that the charge and the account to be removed, that any finance and other charges related to the fraudulent amount or account.I recently spoke to someone from the Jefferson capital LLC and i was told they would send something in the mail about my issue with an unauthorized account opened with my information. 


Sincerely, XXXX XXXX
Consumer complaint received 2020-02-09
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8000.00}, {$300.00}, {$0.00}, {$920.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$300.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$920.00} -This is not my account.
Consumer complaint received 2020-02-20
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. (NC)

THE DISPUTED ACCOUNT AND INQUIRIES BEING DISPUTED WAS NOT AUTHORIZED BY ME. THE ACCOUNT HAS BEEN HARMING MY CREDIT AND IS CONTINUOUSLY REPORTING ON MY REPORT. PLEASE HAVE THIS ACCOUNT AND ALL THOSE UNAUTHORIZED INQUIRIES REMOVE OFF MY CREDIT.
Consumer complaint received 2020-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Knight Adjustment Bureau (UT)

XXXX XXXX XXXX # XXXX and Knight Adjustment Bureau # XXXX are double reporting the same debt to my credit report, this is a violation of the Fair Credit Reporting Act and they should not be double reporting. I need this removed off of my credit immediately.
Consumer complaint received 2020-02-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ray Klein, Inc. (OR)

About eight months ago, I made a complaint here regarding Professional Credit Services ; for whom I overpaid by several hundred dollars on court-related fines. I discovered that, Professional credit services, whom I set up the payment plan regarding two files they had with the court. I made a large downpayment as part of the process setting up the payment schedule. 

Somehow, although the debt collection had closed once paid in full, I received notice from the DMV that I still had outstanding tickets and my drivers license was going to be suspended as a result of nonpayment. I did some investigating and discovered that I had actually overpaid the company by quite a bit. However when I asked the company for its records they did not give me records for the file with the tickets outstanding In question. Naturally, as they had been handling this debt, I was very frustrated at giving them so much money and being paid in full only to receive the letter from the DMV that says I still had two tickets outstanding. I am under the impression that the credit service stole my money and didnt apply it appropriately but rather paid themselves a healthy amount of interest, while letting one of the debts languish. I went to the court and asked that any and all files be transferred back to the municipal court for collection since they dont charge interest and since they are easier to make payment arrangements with. The court honored the request. 

However, where is the extra money that the CFPB owes me an explanation for? It took them forever to respond ; and now they are calling this a misunderstanding and stating that they will send a full accounting that shows how they have applied the historic payments. Obviously I am very interested in seeing this but, here again for the second time, Im told I will receive the information. The company said in their answer here that I would be receiving the documentation shortly, but guess what? Still I have not seen it. I want this company to follow through with their promises and pursuant to the law, show me the info That I am entitled to - or, reduce the balance to XXXX ; and if they cant give an explanation that shows where my money went, which was far exceeding the actual amount of the debt to be paid, and without applying the payments evenly To both debt files like they were supposed to do, then I should actually be receiving a refund for money they took from me but to which they were not entitled.
Consumer complaint received 2020-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (TX)

I have talked to the company, and sent police report along with notarized statement that the account was fraud. I filed a dispute with credit companies. Spoke with a representative on XX/XX/XXXX and disputed the account-the account was removed on XX/XX/XXXX. I spoke with a representative on XX/XX/XXXX and she indicated the account was placed back on the report. I relieved a letter from the credit company and Northstrom that account was being removed. This a fraud account, all of information was taken and three accounts were opened on the same day. 
My XXXX  confirmation XXXX
Consumer complaint received 2020-02-09
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: CREDIT WORLD SERVICES, INC. (OK)

Credit World Services reported a debt for education that was paid with student loans .They have not reomed the 2 entries from my credit report instead they are charging interrest of 30 % on the debt. 
XXXX XXXX XXXX XXXX XXXX XXXX and XXXX I was not ever notified of this debt