davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-17
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP (NV)

On XX/XX/year> I opened a skypass visa signature business card from us bank for earn XXXX bonus XXXX when I spend {$5000.00} purchases within the first XXXX days. 

And I completed my spending within XXXX billing cycles which is before XXXX days due. ( Roughly within XXXX  days ) So I was expecting my bonus miles that us bank advertises. 
However I didnt receive the promotional miles, so I contacted us bank and ask why I didnt receive promotional miles, then they were telling me that they recently changed their policy on XX/XX/year>. 

So I tried to explain that when I opened up new cards, they did not have a new rules kicked in yet and they added new rules after I opened. 
I understand that companies adding and updating new rules but they should honor that customer who opened before new rules. I met all the conditions what they required like pay annual fee of {$99.00} and spending. 
If they gave me an any kind of notice or update new rules during that time, something like through email or message I probably stopped spending at that moment. 


Handling this case with us bank is very stressful that I have to calling them multiple times and they transfer to each others I felt like Im a ping pong ball also Spent so much times and effort.
Consumer complaint received 2024-09-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (TN)

Navient denied my School Misconduct Application because my loan isn't active with them. Navient wouldn't provide assistance with a payment that I could afford, or an interest rate that would benefit me. 98 % of my payments were going to interest and because of the high interest rate I was forced to get my loans refinanced to obtain a reasonable payment plan and avoid going into default on my loans.
Consumer complaint received 2024-09-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (FL)

I recieved a debit card in the mail address to my divorced last name. I went to Chase bank and told them I never opened a checking account with them. I closed the account. I filed a report with Chase but they can not take legal action. Since I know my information ( social sec #, address, name, email ) is out there, I want to take measures to protect it.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC (PA)

This is my refilling of complaint to XXXX XXXX XXXX for allowing unauthorized inquiry on my credit report. As I checked my recent credit report, the unauthorized hard inquiries are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX
Consumer complaint received 2024-09-17
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: State Collection Service, Inc. (TX)

XXXX Collections company has repeatedly attacked my credit and I have spoken to them numerous times and they are admitting that I don't have any money owed to them and they shouldn't be on my credit reports however, they're still on it. 
I asked for letters stating this numerous times and I have nothing. 

I want this removed and blocked from doing it again!
Consumer complaint received 2024-09-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OH)

I received a loan from XXXX XXXX ( Navient ) in XXXX. The loan was for XXXX XXXX XXXX Navient has been used multiple times as a result of the actions that they have taken regarding these loans. They have been accused of payment processing errors and forbearance steering, resulting in higher fees and interest for borrowers. My loan should have been included in the original relief that was provided in XXXX with the Attorney General 's multi-state lawsuit. I was part of the original suit where each student was provided a check for an equal amount for the misrepresentation of payback options, I did receive a check from that, however when it came to for loan forgiveness due to predatory and misleading they did not include me. I contacted the Attorney General for my state and filed a complaint. In order to qualify it stated that you would have to have missed payments XXXX consecutive months. When the XXXX contacted Navient, they advised that my loan had never been in default. The information they provided is not correct. My credit report shows where I was continually reported for non payment. Navient also originated predatory subprime private loans to students attending for-profit schools even though it knew that a very high percentage of such borrowers would be unable to repay the loans. I was also advised that my Co-signer would be able to be removed from the loan, however that also has not happened. I have been paying on this loan that originated back in XXXX since that time however the loan has not decreased. In fact the loan was originally for {$4000.00} however it is now over {$8000.00}. I have been paying enough to keep it off my credit ( even though I can't afford it ) because I have worked hard to fix my credit that Navient helped to ruin. I am called multiple times a day regarding this loan and every time I have asked about trying to settle this loan, I was always denied. Every time I make a payment, the loan amount never goes down, it just seems to continually increase because the payment is going towards interest and late fees that I am steadily being charged. I feel as though my loan should have been included in the original lawsuit for forgiveness, however almost 20 years later, I am still paying on a {$4000.00} loan that is now at {$8400.00} with a 13 % interest. I just made a payment on XX/XX/XXXX of {$130.00}, however I am {$250.00} past due with a current amount due of with a current payment of {$120.00} due, and unpaid late fees of {$6.00} for a total of {$390.00} that they are currently expecting me to pay and none of it goes towards the principle, it will all be put towards interest and fees, so I am just spinning in a hamster wheel with no way to get off. They also continue to call and harass my co-signer, who they said would be able to be released from the loan.
Consumer complaint received 2024-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA (OH)

I HAVE REACHED OUT SEVERA TIMES TO THE FURNISHER EXPLAINING THAT SOMEONE OPEN A FRADULENT ACCOUNT IN MY NAME WITHOUT MY CONSENT. IM A VICTIM OF IDENTITY THEFT, ANYONE CAN OPEN A FRADULENT ACCOUNFT ONLINE. AS A CONSUMER I AM RESPONSIBLE TO MAKE SURE THAT ACCOUNTS THAT REPORTED ON MY CONSUMER REPORTS ARE ACCURATE. THIS ACCOUNT DOES NOT BELONG TO ME.
Consumer complaint received 2024-09-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Early Warning Services, LLC (TX)

Complaint is against Zelle as they brokered the transaction for the sale of the item, the item was sold to XXXX XXXX ( not an employee of Zelle ), funds were sent by XXXX ( from XXXX XXXX XXXX XXXX checking account ending in XXXX ), were rejected by bank ( XXXX  account ending in XXXX ), and not returned to XXXX. 
XXXXSale of product through XXXX XXXX. XXXX XXXX ( XXXX XXXX used Zelle from her bank XXXX XXXX XXXX XXXX to transfer {$200.00} to my Zelle by my phone number ( XXXX ) XXXX, confirmation # XXXX XXXX Text confirmation from bank that XXXX XXXX sent {$200.00} to be deposited into XXXX XXXX  account ending XXXX XXXX in 1-3 business days. This account was closed on XX/XX/year> XXXX Called XXXX XXXX  to receive verbal confirmation that the {$200.00} from XXXX XXXX came in but was returned due to the account being closed XXXX XXXX confirmed funds were not returned to her bank XXXX XXXX confirmed funds were not returned to her bank XXXX Zelle customer service to be told they could not help, the transaction is between the banks XXXX XXXX confirmed funds were not returned to her bank
Consumer complaint received 2024-09-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (VA)

On XX/XX/XXXX I filed a dispute with Venmo for unauthorized transaction XXXX XXXX my Venmo XXXX debit card. It was for a total of XXXX or XXXX charges and XXXX different merchants. Then the next day the XXXX I was able to dispute XXXX cash app transactions that were still pending the day before. Multiple different agents had told me if after XXXX days the claims had not been resolved Id receive a provisional credit and that would be on XX/XX/XXXX and XXXX but when I spoke to another agent they told me now its the XXXX. Not only was I lied to multiple times theyve already refunded a few of the transactions which means if they were approved the others should be to. This is just a game to them.
Consumer complaint received 2024-09-17
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (GA)

I pay my PayPal credit card bill via the XXXX XXXX bill pay service included with my checking account relationship. The most recent bill received by that service was in XXXX. Subsequently I received a text message from Synchrony today advising that I had a new statement. I logged into XXXX XXXX to ensure that I had received that statement. I had not received that statement. I subsequently I logged into the credit card account to discover that I had not only received a new statement but had also received an earlier statement that had never been received by XXXX XXXX. I tried to determine if Synchrony or XXXX XXXX was at fault and Synchrony offered to let me purchase statements for a fee. I was charged a late fee on a credit card that I dont think had ever accrued interest or any fees. I am livid about Synchronys incompetence and inability to provide basic customer service. I can only assume that Synchrony decided to stop sending statements to my bank so they could charge interest and a late fee. This company engages in shameful and fraudulent behavior.
Consumer complaint received 2024-09-11
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CA)

I purchased several prepaid cards and they don't work. Received replacement cards and they also don't work. Emailed over my activation receipts and ID, the cards still don't work. Now I'm being told it'll take up to 30 days?!?
Consumer complaint received 2024-09-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

I attended XXXX XXXX  from XXXX to XXXX where I obtained a XXXX XXXX in XXXX XXXX and a XXXX  in XXXX XXXX. I was given predatory information regarding my student loans. I also younger and not very knowledgeable about finances. I took on the loans with high interest rates not knowing the impact it would have on me even after I retired. It is very difficult to survive in XXXX XXXX due to the high costs of living. I went to school when I was a single mother of XXXX children because I wanted a better life for my children and myself. Fast-forward to today and I owe a large amount in student loans. I was a public servant for over 40 years and I don't see any end in site. I also applied for the Public Service Loan Forgiveness but my status on the Education website still shows that I owe a lot of money. It is not only frustrating but confusing. I need help but keep getting the runaround.
Consumer complaint received 2024-09-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. ()

Hello, My name is XXXX XXXX, and I am a creditor of the bankrupt XXXX exchange. I opened my Coinbase account in XX/XX/year> and completed identity verification on the same day. However, my ID was not immediately approved, and I remained in pending status for months, only getting verified in XX/XX/year>. During this time, the price of XXXX dropped significantly, and I suffered a loss of approximately {$100.00} due to the delay. 

Had my account been verified in XXXX, I would have been able to withdraw my funds when the price of XXXX was around {$70000.00}. However, my account was approved in XXXX, at which point the price of XXXX had dropped to {$57000.00}. I would like to know the reason for this delay and inquire whether my financial losses can be compensated. 

Please review this situation and kindly provide a response. 

Thank you, XXXX XXXX
Consumer complaint received 2024-09-17
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (NC)

I am writing to dispute the DISHONEST CHARGE on mine and my daughters credit report from XXXX XXXX. My daughter was advised that they had found someone to sublease her apartment and was asked to vacate the property in 5 days. My daughter done what was asked of her and moved out of the apartment and gave them the keys to the property and signed the appropriate vacate paperwork on that date. WE DID NOT HAVE POSSESSION OF THE PROPERTY AFTER XX/XX/XXXX. Supposedly the person that was going to take over the lease fell through so they wanted us to continue paying it but we did not have any keys to even enter the apartment at that point. ANY CHARGES AFTER XX/XX/XXXX SHOULD NOT BE OUR RESPONSIBILITY. They kept my daughters deposit and continued charging rent for XXXX to XXXX. We will not be paying the charges that are on the credit report and want them removed IMMEDIATELY. 
Timeline : XXXX-received a text message from property management advising that there was someone to sublease the apartment. Text message sent by an employee that SPECIFICALLY ask that XXXX turn in her keys by XX/XX/XXXX. ( SEE TEXT MESSAGE ) I truly think that the email that the employee sent shouldnt have been sent because it must have not been proper protocol but in the end we did what they asked us to do! 
XXXX vacated the apartment and turned the keys in. AFTER THIS DATE WE DID NOT HAVE POSSESSION OF THE PROPERTY. 
XXXX a text message from property management stating that they appreciated XXXX 's feedback on the notice to vacate form that was completed at the time she turned in her keys. ( SEE TEXT MESSAGE ) XXXXapartment complex lets us know that the lease fell through. I advised that we were not in possession of the property and we would not be driving four hours to get the keys. We did what was asked of us.

I have reached out to the collection agency by email with the attached documents that I am sending yall as well. They keep asking me who I am and being XXXX. They act like they dont see the attachments. When I try to talk to them on the phone all they want is payment. They stated they havent received anything in writing however the email responses are coming back from them and I am contacting them at an email listed on their website if a customer has a concern.
Consumer complaint received 2024-09-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC (TX)

Dear debt collection The agency 's and accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I here dispute the validity of the alleged debt listed .Entirely I also request verification of the alleged debt specifically a copy. Of the original purchase agreement must be with original creditors and signed by the parties involved. I am requesting this because have had different companies reach out. To me about this same alleged debt. I am requesting immediate deletion of all reporting made to any consumer agencies experian, XXXX, XXXX and XXXX. You must cease collections effect until this alleged debt validate. You must show proof that you legally own this alleged debt and that it is accurate and complete Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XX/XX/year>
Consumer complaint received 2024-09-17
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (AR)

On several times now, I have had interest automatically added on the new balance for new purchases. I generally pay off the full amount ; ; I only use the card because it is a cash back card. Chase is supposedly giving a 30 day grace period to pay off balances before applying interest. I have had 3 times now that as soon as the statement comes out and I have paid more than the previous balance this month, there is interest added on to my new balance. I always check, but perhaps some people do not, so I thought I would call your attention to their sneaky practices. Once is a mistake ~ 3 times now is intentionally trying to take money from consumers. Also, the interest is a ridiculous 20 % they added on. Who would carry a balance at that rate?
Consumer complaint received 2024-09-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/XXXX, i opened an savings account with Capital one. At the time of opening the account i was required to upload a picture of my ID to get the account open. I did that and the account was open. The account had been fine and in good status until on XX/XX/XXXX, i deposited a check for {$3400.00}. After the deposited was complete and successful, Capital one restricted my account. Once i called Capital One, they told me that i needed to upload a picture of my ID again to verify myself. I asked why when i just did that i was told that when my account was open, they were never able to verify me in the first place which was lie because i wouldn't have been able to open the account with being verified.
Consumer complaint received 2024-09-17
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (MD)

They are trying to collect a dept that is charged off and paid in full to original collector. 
They are reporting on my credit report I owe over {$1000.00} they just opened dept sent me letter saying I owed {$300.00} something documents attached
Consumer complaint received 2024-09-17
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: Bread Financial Holdings, Inc. (TN)

Company is harassing me to make payments which I understand, but I am over the age of XXXX and they have contacted my father who I am not in touch with regarding my personal information and the debt that I owe, which is against the law. They called him on XX/XX/scrub>XXXX
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (TX)

I am writing to express my deep concern regarding the sharing of my personal information with the XXXX major credit bureaus and the subsequent verification process. I have repeatedly requested proof of the accuracy of the information being shared and a hard copy of the documents used to authenticate this information. 
I understand that it is important for businesses to have access to accurate information to make informed decisions. However, I also believe that consumers have a right to know what information is being shared about them and to have the opportunity to verify its accuracy. 
I kindly request that you provide me with the following : * A clear explanation of the specific information that has been shared with the XXXX major credit bureaus. 
* A detailed breakdown of the sources from which this information was obtained. 
* A hard copy of any documents used to verify the accuracy of the information. 
I would be grateful if you could address my concerns promptly. Thank you for your time and attention to this matter.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIRST PORTFOLIO SERVICING INC (TX)

Ive tried contacting the company several times through mail and CFPB and nothing gets rectified. They say theyve done a full investigation and some numbers and put it on my credit report.
Consumer complaint received 2024-09-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (FL)

The dispute was opened twice and its been 6 months and they keep just adding balance and not resolving it {$160.00} on XX/XX/year> I sent proof of XXXX  and proof of item in box yet they still wont help me and am left with balance New number is XXXX