davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I have been banking with BOA for some time now. On I checked my account balance and noticed that my account was overdrawn due to a recurring debit from XXXX. I contacted XXXX because I moved my automatic payments to the credit union to avoid BA maintenance fees. XXXX said that they would make the necessary changes. So I contact BOA regarding the overdraft fee assessed. I informed the rep that I made arrangements with XXXX and just wanted my overdraft fee back. The rep declined my request. I told to another rep and explained it was a merchant error, it was resolved I just wanted my fee back. It was declined again. 

While talking to the rep, I also explained a problem that I had regarding an ATM deposit. Weekly I deposit the pay from my employer. During the deposit, the ATM timed out, the check was not returned to me, and my account was not credited. However, I needed money so I agreed to the overdraft fee. The rep initiated a claim on my behalf and the overdraft fee related to the ATM withdrawal was refunded. 

On this past Saturday, I discovered that my account was overdrawn because the claim was denied. Im confused and Im baffled as to why I was notified. This is the same check I deposit every week. If the check was not returned to me then obviously its stuck in the ATM. Why am I being penalized for a technical error? My employer states the check has not been paid on their account, but does not want to pay their bank to stop the check unless they are going to be reimbursed. 

I want my account credited for the ATM deposit. I want all of the overdraft fees from XXXX through the present refunded. And if the account can not be credited for the ATM deposit, then my employer should be reimbursed {$35.00} for the lost check.
Consumer complaint received 2023-06-14
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (NJ)

I am a XXXX employee and I also have a XXXX a account. I also have or had a prepaid account with Chime. I've been their customer for a very long time. Last week I did a very small transfer of just only {$2.00} from my XXXX account into my chime account. After I made the transfer I ended up changing my mimd about the transfer and told XXXX to take the money back, so they did so. After XXXX took the money back chime said there was some unusual activity and they quickly closed my account. After being with them so long, I was shocked by this, and very disappointed abut the fast closing. They closed my account in a heartbeat and refuse to give my {$660.00} that was in my savings account. Chime told me to upload my ID front and back and thats what I did many times. Chime also ask me to upload a letter from XXXX bank to show that I had authorize the transaction. While working at XXXX, I do know we don't write any letters but I did double check with the manager and he said no. What I was given was a stamped account balance summary with the manager signature. That was all I had, so I uploaded that with my ID. They still told me I could't get my money from my savings account because I didn't provide the needed documents. I been calling and emailing them every day to get my money and I just keep getting an automated system through email.
Consumer complaint received 2019-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

i contacted CHASE regarding a fraudulent charge on my account. However CHASE refuses to look into this matter at all! We have been CHASE clients for 20 years and they don't want to provide necessary security and or investigate fraudulent charges on our account. I conference called CHASE with my husband on XX/XX/2019 and their Claims department that handles issues such as fraudulent or unauthorized charges didn't want to help us we don't understand why and they refuse to further speak with us about this problem. on XX/XX/2019 we spoke with XXXX working for CHASE located in the XXXX refused and caused immense emotional distress to my wife. This not believable that our own bank CHASE is helping these fraudulent charges occur i sincerely believe they are in genuine and unwilling to help us with this issue. The merchant that took the money is a hotel in XXXX, Arizona and we had disputes with them regarding charges from XX/XX/2019 that we contacted the hotel and they advised us to contest the charges and their owner would call us back, we never heard back until they ran our bank card information again on XX/XX/2019 which prompted us to contact CHASE right away.
Consumer complaint received 2019-06-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (CT)

I received a letter from Midland Credit Management in the mail. I returned their phone call at XXXX. I spoke with a representative and explained my situation as well as the fact that I am working with XXXX XXXX XXXX. They insisted that I not work with XXXX and work with them directly. When I told them that I would not make any arrangements with them before speaking with XXXX, the put a " supervisor '' on the line. This person tried to bully me into making arrangements with them. Even though the other debt collection agencies I have worked with have told me that since I'm working with XXXX they will continue any further contact with them. When the supervisor refused to end the call, I told him that I had already been speaking with them for upwards of 40 minutes and didn't have any more time to speak with them regarding the matter and that I would call them back at a better time. The person raised their voice at me and told me that they were trying to " save me time '' ( a reference to saying I was out of time ). I told them that they were not hearing me and that I was going to terminate the call. They continued to raise their voice and tell me that I should not end the call, because it would not be good for me. At this point in time I hung up the phone. 

From my understanding, at the moment that I notify the debt collector that I am working with a consumer credit agency on a repayment plan, they should have stopped trying to influence ( really it was bullying ) into making any arrangements with them. I was very upset that they raised their voice and kept trying to force me into making an arrangement directly with them.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

Hello my name is XXXX XXXX XXXX I came across these unauthorized inquiries still reporting on my credit report on XX/XX/2024. I asked that you immediately remove it from my credit file as soon as possible as I am a victim of identity theft and did not give any authorization whatsoever please remove.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2018-04-05
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (TX)

I have tried every year since for the last five years to get my loan forgiveness for teaching and they never follow through with what they say will happen. The interest is growing rapidly. I feel as though I spend countless hours preparing my paperwork every year in hopes this year is will happen and nothing happens.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2020-05-19
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (WA)

I was given an offer by Home Depot on-line - if I applied for a credit card I would receive a {$25.00} credit. The item I was purchasing would be {$25.00} less. It showed me the amount it would cost me. The offer is still up on the computer at this time at Home Depot. 

I had trouble getting my personal phone verified to have the application accepted and had to speak with a CSR. I have a copy of a " chat '' conversation with the CSR dated  XX/XX/20. I specifically asked when I would reieve the {$25.00} credit. In the " chat '' I was told it would show up on my FIRST statement!!!! 

I have recieved my first statement and it is not included. I have called the credit card company and was told on XX/XX/20 the problem was resolved and I would find the {$25.00} credit on my FIRST statement dated in XXXX. 

On XX/XX/20 I received my FIRST statement dated XX/XX/20 with a payment due XX/XX/20. I did not have the {$25.00} credit. 

I have emailed the Credit Card company and received an email this morning that shows my balance WITHOUT the {$25.00} credit applied. I called the credit card company XXXX this morning. I was told that I might not receive the {$25.00} credit for one to two billing cycles. I was also told that if I did not pay the full amount owed on my  statement I WOULD ( not could ) be charged interest on the {$25.00} amount that I should have been credited. They told me I MUST pay the full amount to not have any interest charged. 

Can you imagine how many people applied for this credit card and are being charged interest on an amount they never should have owed? The offer is right now on the Home Depot site. The offer is for {$25.00}, {$50.00} or a {$100.00}. For each one of these amounts the credit card is expecting to charge interest on the amount of the offer for one or two billing cycles. 

This is a copy of my chat - I have taken away full names and used only initials. 

XXXX : The {$25.00} promotion credit will be applied on your first statement. 
XXXX : It is showing that I owe {$94.00} - this is the wrong amount! When I get my statement it will then show the {$25.00} credit? Is this what you are telling me? 
XXXX : Are you still there? 
XXXX : Yes, I am still here. It takes a moment for me to see your messages. 
XXXX : That is correct. If your total is {$94.00}, the {$25.00} will be applied on your first statement. That would make the price {$69.00} on your first statement.
Consumer complaint received 2020-05-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (MD)

I began an application for refinancing on my current mortgage on XX/XX/2020 with LOAN DEPOT, LLC. As of today, XX/XX/2020 the refinance has not happened. There have been several delays to the process, of which I was not informed ( apparently, some time in XXXX the application was suspended, but I only found out about in XXXX ). My loan officer has not kept me abreast of the situation. One of the delays was due to a loan processor contacting HUD to get information on subordination, related to a grant, rather than contacting the local jurisdiction that issued the grant. I only learned of this after making several calls to the company and then requesting to speak to the supervisor. On average it has taken one week to get a response from the company, if I get a response at all, which has also contributed to the delays.

Based on my call with the loan processor today, closing could happen at the end of this week, but I have yet to receive closing disclosures. I emailed them two weeks ago requesting an updated disclosure and as of today, I have not received them. After several calls to the complaint department and spoke to a manager, he discussed apply a credit. Now when I call him to discuss the credit, he does not return my phone calls.
Consumer complaint received 2020-05-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc. (WA)

To whom it may concern, Square credit card processing is Currently withholding up to 30 % of all transactions for up to 120 days! They do not get permission or properly inform their customers and we are getting blind sided at the worst possible time. Who could possibly sustain their business if square holds all your profit? This is a horrible thing to do to customers. Especially during the covid-19 crisis. They already withheld over {$1200.00} from my company this week when we are just getting back to work. Please help me share what is happening and stop what this horrible company is doing to people and business. On XX/XX/XXXX they withheld nearly {$1200.00} from a {$3800.00} transaction and on XX/XX/XXXX they withheld about {$190.00} from a {$580.00} transaction. They will not release these funds until mid XX/XX/XXXX. At this rate they will destroy small businesses using their service. I have been using square since XXXX and they just recently implemented this reserve system. I never agreed to the changes and the notification letter they sent in XX/XX/XXXX ended up in my spam folder.
Consumer complaint received 2019-03-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Blackhawk Network Holdings Inc. (CA)

I purchased this card on XX/XX/XXXX as a gift to a friend, I traveled to XXXX XXXX but forgot the card at home accidentally. I returned to XXXX XXXX and gave it to my friend only to find out when he went to use it that someone had used it on XX/XX/XXXX unknown to myself or him. 

I sent a fax on XX/XX/XXXX as well as an email XX/XX/XXXX to BNH about this matter with all documentation I have also attached that as well to this complaint. It took another email to let them know that if I didn't get some kind of a response I would report them to a government authority. 

Today I received a letter from them that they are not going to honor a product they sell, because of some 60 calendar days? I paid {$300.00} for a card that I or my friend never got to use. If they would have told me I was just donating this card to a fraud level I surely would not have bought one of theirs!
Consumer complaint received 2021-12-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (NY)

ON XX/XX/XXXX {$12000.00} WAS WIRED INTO MY BUSINESS XXXX. CHASE SENT ME A NOTICE STATING THAT THE MONEY WOULD BE CREDITED TO MY ACCOUNT THE SAME DAY ON XX/XX/XXXX. THE MONEY WAS NEVER CREDITED. I WAS NOT AWARE SOONER SINCE CHASE MAILED THE NOTICE TO MY FORMER ADDRESS THOUGH MY ADDRESS WAS UPDATED WITH THE BANK. WHEN THE AMOUNT WAS CLAIMED BY A CLIENT AND I CHECK MY BANK STATEMENT FOR THE MONTH OF XX/XX/XXXX, IT SHOWS THAT THE MONEY WAS NEVER PUT INTO MY ACCOUNT. I CONTACTED CHASE ON XXXX ; XXXX AND WAS ON THE PHONE FOR ABOUT ONE HOUR. I WAS TOLD THAT THE MONEY WAS NOT PLACED IN MY ACCOUNT BUT THE PERSON, XXXX COULD ONLY CHECK BACK FOR 2 YEARS. SHE TOLD ME TO GO INTO A BRANCH. XX/XX/XXXX I WENT INTO THE BRANCH IN XXXX XXXX, NY AND MET WITH A BANKER, XXXX WHO CALLED CHASE ALSO AND AFTER SPEAKING WITH THREE DIFFERENT PEOPLE, SHE WAS TOLD THAT THEY COULD ONLY LOOK BACK ONE YEAR. THEY GAVE HER ANOTHER NUMBER TO CALL. SHE GAVE ME THE NUMBER. WHEN I TRIED TO CALL FROM MY OFFICE, YOU NEED TO ENTER AN ID NUMBER, WHICH I DO NOT HAVE. 

CHASE KNOWS THIS MONEY WAS NOT PUT INTO MY ACCOUNT BUT DOES NOT CARE TO ADDRESS THIS. THERE IS A REFERENCE NUMBER AND AN XXXX XXXX XXXX NUMBER ON THEIR NOTICE TO ME BUT THEY DO NOT SEEM TO CARE THAT THEIR OWN BANK STATEMENT SHOWS THAT THEY NEVER PUT THE {$12000.00} INTO MY ACCOUNT.
Consumer complaint received 2021-02-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (FL)

I advised Americollect back in XX/XX/2020 that I was a victim of identity theft and that the debt was not mine. I have submitted them a copy of the police report. They have yet to remove the debt. Also, they are reporting negative to all 3 bureaus and I have submitted the company and the credit bureaus a copy of the police report. This is detrimental to my job and livelyhood to keep a clean credit file. I have done my due diligence, supplied all documentation and yet they are giving me a hard time and impacting my credit over a debt that does not belong to me. I want this item removed ASAP from all 3 bureaus and Im filing a complaint with XXXX, FTC along with CFPB for unfair practices.
Consumer complaint received 2020-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I originally purchased my car at XXXX XXXX in XXXX, Florida, I was financed through XXXX  XXXX  XXXX Florida  at XXXX XXXX XXXX, XXXX XXXX, Florida XXXX. I was having problems with the car from the inception of the loan. I took the car back to XXXX XXXX and they couldn't repair the car. Which later caused me to get a loan from XXXX to repair the car. The car was taken to the repair shop and repaired, the next day the car ran hot and would not start. I was given another loan from XXXX to repair the car. The car was repaired, I drove the car home and once I parked the car it wouldn't start again. I sold the vehicle to my niece XXXX XXXX while the car was in the shop I took her to XXXX  XXXX   XXXX Florida  and they financed the car in her name and kept my name on the loan as a co-signer. I told them I didn't want that since the young lady had a good job and could pay her loan. I was told this was the only way. I told them I thought this was unfair lending practices. XXXX told me that was legal and was the only way XXXX could get the car. The car was repaired again and never worked, XXXX gave me a name of a repair person and said he would repair the car and they would take care of it. I took the car to the transmission place and got an estimate it was another {$3000.00} once the car was in the shop I received a call from XXXX the manager of XXXX  stating that she was not going to do another loan on the car that they would try to replace it with another car instead. They never did it, in XXXX, 2019 I received a call from XXXX stating she was prepossessing the car. I told her that this is not fair to the young lady XXXX or myself after getting so many loans and the car was upside down. It would be a lost for the both of us and ruin our credit. She was sharp and abrupt and said she is the manager that is her decision, I call the headquarters of XXXX three ( 3 ) time asking for assistance and they told me that the company was independently owned and they have nothing to do with it. I have two ( 2 ) loans on my credit report and so does XXXX without a car that operates. I continued to call XXXX and XXXX and she would hang up the phone each time. My credit score has dropped 100 points because of this and continues to decline. 

These practices are unfair. I called the attorney general office of the State of Florida and made a complaint to date I haven't heard from them. I need help to get this off my credit report and XXXX XXXX credit report.
Consumer complaint received 2020-12-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NY)

The Public Service Loan Forgiveness ( PSLF ) program through the Federal Student Aid website revised the Employment Certification Form to offer the following three options, " 1 ) I just want to find out how many qualifying payments I have made or if my employer is a qualified employer ; 2 ) I believe I qualify for forgiveness under PSLF or TEPSLF right now ; 3 ) If I indicated that I believe I qualify for forgiveness now, I want a forbearance while my application is being processed, but understand that periods of forbearance do not count towards forgiveness. '' The form no longer reflects an option for individuals working towards completing their 120 qualifying payments for federal student loan forgiveness. For example, I am a government employee and certified my employment in XX/XX/XXXX ; I will certify again in XX/XX/XXXX to receive credit toward PSLF since the twelve qualifying payments from XXXX have not yet been credited to my loan account. The revised employment certification form does not appear to reflect the information required in order for me to certify and receive credit from FedLoan Servicing for the 12 qualifying payments over the past year.
Consumer complaint received 2020-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Equifax ; XXXX  and XXXX  should not be reporting a collection/chargeoff or ( XXXX ) days late on the XXXX/XXXX   partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) I have been faithfully paying on this account every month for years to XXXX. I was not aware that this account was reporting derogatory information until I recently obtained a copy of my credit report. I was never notified by XXXX that this account had been sold to another lender. It is clear that the new company who purchased this student loan debt was not applying the payments I was making monthly to XXXX. I have attached a copy of my statements showing my timely monthly payments. Consequently, because my monthly payments were not being applied correctly, this has caused the derogatory reporting on my credit report. I have contacted XXXX along with the bureaus to remove the collection/chargeoff and lates however, I have not been successful. This false reporting is seriously harming my credit score and this line item needs to be removed from my credit report.