davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-22
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (PA)

This is the third complaint I am filing against Chase Credit Card Services. The following will provide the information I have reported to the XXXX CEOs of Chase Bank. I am assuming that they have received the e-mails, although they have not responded. The content of the e-mails regarding this most recent complaint is as follows : To XXXX CC XXXX Message body Dear Sirs : I had written to both of you on XXXX XXXX, XXXX and, once again, XXXX XXXX, XXXX explaining the various complaints and issues I have been experiencing with Chase Credit Card Services. I have filed two complaints against Chase with the Bureau of Consumer Financial Protection and now am going to write for a third time to the Bureau to register another new complaint. 
I check my Chase on-line statement twice a day. When I checked it this morning, the balance was approximately {$320.00} which was correct ; however, when I checked it this evening it was {$410.00}. I did not see any new charges posted to the account that would have caused the additional amount to be added ; therefore, I immediately called Customer Service and was told that a charge had re-posted to the account which had been a fraudulent charge posted by XXXX to my account ending in XXXX. At that time, the Fraud/Security Department had advised me that they would close that account and send me a new credit card with different numbers, which they did. I was also advised that I was not responsible for that charge. I had not only contacted Chase about the fraudulent charge but also XXXX ( which they never responded ) and also the BBB to report the fraudulent activity. I do not know how XXXX got my credit card number but I am adamant about never using their services and therefore not responsible for this charge. Why would this charge be re-posted to my account without notifying me? If it was a fraudulent charge then, it is surely still a fraudulent charge now and I am going to dispute it once again. 
I have been so upset because I have been working with your Corporate team to try to get so many issues resolved and now I feel that Chase has compromised my identity, etc. They are authorizing changes to my account that I never made. I have been asking that they listen to the numerous calls and find out that it was not me that reported a fraudulent charge on XXXX XXXX or told them that I lost my credit card. Over the weekend, I received another new card with new numbers which I knew nothing about and was told that they closed my account ending in XXXX because of either a fraudulent charge or a lost card, none of which I was ever aware of. I am considering filing a complaint in small claims court against Chase for all of the stress and expended time and energy I have had to deal with over their numerous mistakes. 
I will continue to write to both of you until I hear from someone in your office or, in the alternative, until my situation is resolved permanently. 

XXXX XXXX XXXX, PA XXXX XXXX
Consumer complaint received 2017-01-06
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TRANSWORLD SYSTEMS INC (ID)

XXXX 2016 I noticed a negative item on my credit report reported from TRANSWORLD SYS INCXXXX. It claimed to be for a debt to XXXX XXXX XXXX for {$340.00}. Prior to this I have not received any notice of this debt. I found XXXX numbers for XXXX XXXX XXXX by calling my local hospital and searching the web - XXXX have been disconnected ( XXXX and XXXX ) and the third was for another firm that had no record of an account under my name ( XXXX ). I then called Transworld, who indicated the debt was from XXXX 2016, but they had no information on what the bill was for, nor were they able to provide me with contact information for XXXX. They did indicate that they would contact XXXX to request the original bill and send it to me. 

My complaint is that my credit score has been severely hurt by this small bill that I have no information about and that, even after filing a dispute and calling, ca n't seem to get any details about. I pay my bills on time and would be happy to pay this bill, except that neither XXXX nor Transworld can tell me to whom to pay the bill, or explain how I 've never received a single letter or invoice about this debt prior to it appearing on my credit report.
Consumer complaint received 2016-12-21
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (NC)

Was charged {$35.00} per an overdraft in my checking account. While, Wells Fargo has refund the Overdraft fees before because they are outrageously high. I spoke with a young women at Wells Fargo General Banking Call Center and they told me that would not be possible. While I like Wells Fargo, I know most smaller banks and credit unions do not charge such outrageous fees for occasional overdrafts.
Consumer complaint received 2016-09-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (WV)

Improper student loan collection : breach of contract ; fraudulent, deceptive and misleading representations in debt collection ; collection by unfair and unconscionable means ; and fraud. Navient " redisclosed '' and " realigned '' the terms of the consolidated student loan repayment to increase the monthly payment amount after about 14 years of timely payments. No previous payment was ever late, and nearly all monthly payments were for more than the minimum amount due.
Consumer complaint received 2016-12-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (NJ)

XXXX XXXX is trying to illegally receive payments from me for monthly service that ceased on or about XXXX XXXX, on which date I was at least fully paid and may have been owed a refund. XXXX reps admitted XXXX XXXX I do NOT have the account or bill on which XXXX continues TO THIS DAY to try to collect a full fee monthly. I have audio recordings from my conversations with two different XXXX reps ordering cease-and-desist XXXX XXXX, after which XXXX sent two months ' worth of false " debt '' to a third-party debt collector, Convergent Outsourcing, which is threatening to ruin my outstanding credit history.
Consumer complaint received 2016-12-06
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (VA)

Well Fargo is sending me false statements, and harassing phone calls. 

1 ) I have a VA loan which clearly says that my monthly payments to mortgage ( XXXX ) are not late until after the XXXX day of each month. However on XXXX XXXX Wells Fargo sent letter saying ( without any specifics or or itemizations ) I was " seriously '' delinquent and over due and threatening foreclosure, but the facts are my monthly mortgage principle/interest ( XXXX ) was set by the VA loan administration and was paid in accordance with the Va guideline before the XXXX of the month. Please reference mortgage check # XXXX for XXXX cashed by Wells Fargo on the XXXX of the month and escrow check # XXXX cashed by Wells Fargo on the XXXX in the amount of XXXX. 

2 ) In addition to sending me false letters saying I am delinquent and threating foreclosure, without any itemized facts, Wells is calling me daily, and when I pick up the phone they hang up, or if I do n't pick up they leave ambiguous message like " calling about the mortgage '' or leave no message at all. additionally the " about the mortgage '' statement, that is not enough information to return a call. I am being harassed with frivolous phone calls, or rude hangs by Wells Fargo.
Consumer complaint received 2016-12-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Rhode Island Student Loan Authority (MA)

I am a co-signer on XXXX my daughter 's Rhode Island Student Loan Authority loans. We requested my name be removed from the loans and were refused because according to RISLA she did n't have enough credit history ( her credit is in the XXXX 's ) RISLA would not count any of her student loans towards her credit lines.. She received a letter dated XXXX/XXXX/16 from a XXXX XXXX Loan Originator for RISLA that if she was still interested in the co sign release we should resubmit, due to a changed that RISLA updated their underwriting guide lines and now consider her student loans as part of her credit history. We resubmitted the request to remove my name from her loans. 
On XXXX/XXXX/16 We received another letter stating again the co signer release has been denied because my daughter does n't make a minumum of {$40.00}, XXXX a year. 
XXXX. Never in the original agreement with RISLA did they state they would n't count all loans as part of her credit history. 
XXXX Never in the original agreement with RISLA were we told she had to earn over {$40000.00} a year to remove my name from the loan. If she is n't making enough money to pay the loans how did she get years ahead on the open ones and pay the others off? 
XXXX My daughter had no income at the time these loans were made and I was n't making {$40000.00} a year when RISLA approved them. 
XXXX. XXXX/XXXX/16 RISLA told us the only requirement she had n't met was that she needed XXXX more credit card now this feels more like a bait and switch. She met that requirement and they now changed the rules again. 
XXXX. In my opinion RISLA is being deceptive by leading consumers to believe that the only requirement to removing their name from loans is that the student has a good credit history and pays loans on time for two years She has more then exceeded the original requirements RISLA led us to believe we needed to remove me from these loans.
Consumer complaint received 2016-07-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Early Warning Services, LLC (TX)

I walked into the bank and was denied a checking account due to incorrect information on a report from early warning services. I submitted a letter to early warning services to have the negative report remove. Early Warning Services told me that they will not remove the negative inquiry, even though I provided a letter from the company stating that the reporting is incorrect.
Consumer complaint received 2016-05-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX was deleted on my credit report in XXXX and as of XXXX XXXX 2016, this account was reinserted on my credit report causing a decrease in score and also refelcts inaccurate information. Also a XXXX account for the amount of {$830.00} was deleted then reinsterted again. This has caused signficant decrease in my credit score. I attempted to file a dispute with both XXXX and Equifax and nothing was resolved. I recently called Equifax today XXXX/XXXX/2016 explaining the siutation and nothing was resolved.
Consumer complaint received 2016-06-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

My name is XXXX XXXX XXXX. My ssn. is XXXX I have used the last names of XXXX, XXXX and XXXX.. I have lived in XXXX, XXXX, XXXX, XXXX, and XXXX, and XXXX. I I have notified both TransUnion and XXXX in writing in XX/XX/XXXX and XX/XX/2015, that fraud was on my Credit report. I have never lived in XXXX. My identity was stolen last summer, and student loans and my social security number were compromised. Also, I have asked them to remove the information that is over eight years old. They have done neither.
Consumer complaint received 2024-10-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NC)

The program was collecting funds from me, approximately {$2500.00} over a period of several years. I left XXXX, due to XXXX. XXXX XXXX XXXX XXXX office convinced them to review this matter. Before, I kept getting under review for 12+ months. 
The review says that they are not giving my funds back to me due to the funds were collected before the TDD. 
The issue mentioned by myself that was ignored, was that XXXX knew that I would not be returning, and failed to protect my rights via the U.S. Education Department by providing an exit interview. An exit interview would have given me insight, and recommendations into repayments, and TDD. 
The department acknowledges that I was XXXX when the funds were collected.
Consumer complaint received 2017-01-06
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I reported fraudulent charges from XXXX on my Capital One XXXX on about XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I received a letter signed by " XXXX '' stating he had found " no indication of fraud. '' The same day, I called Capital One to attempt to speak with him, and was greeted by someone who would only identify himself as " XXXX '' agent ID XXXX. I asked to be transferred to " XXXX XXXX, '' and " XXXX '' told me he was unable. I asked to speak to a manager, and he refused, assuring me he was a manager. I reworded my request to ask to speak to his supervisor. He asked why, and I reminded him it was because I wished to speak to " XXXX XXXX '' He again asked why and I asked if he already forgot my reason, and if he was refusing to transfer me to his supervisor. He told me that I have to act professionally or he was going to hang up on me. He finally egregiously refused to connect me to his supervisor.
Consumer complaint received 2016-06-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (FL)

I had a debt with XXXX in which I was paying for a deductible for an accident. I set up a 6 month payment arrangement with an agent for {$310.00}. The first deduction was electronically pulled from my account on XXXX/XXXX/2016. I received no email or written confirmation of this agreement nor did I receive a receipt. I had no idea, at first, what the charge was because all I saw was the amount deducted from my account. I call them in XXXX to request statements and complain about not receiving any. Then I was informed I still owed XXXX after I had already made 4 months of payments. I was also informed the representative that set up this arrangement did not follow proper procedures and that a 6 month arrangement was not an option, that I was supposed to make that payment in 30 days. I then informed them I would not be paying the new balance as that is not what I agreed upon. That day I spoke with XXXX different people from TransWorld. The last person I spoke to was a manager by the name of XXXX XXXX, phone number XXXX. I asked him to retract the recorded call in which I agreed upon the payment arrangement. That was The week before XX/XX/XXXX, he told me to call after the holiday. I told him I did not any more payments being deducted from my account until we figured out what was going on with my account. He assured me he cancelled any future payments. I called XXXX XXXX the first week of XXXX as I finally got my first statement in the mail from Transworld stating they would deduct XXXX from my account on XXXX XXXX. I called XXXX XXXX again to ask him why I was receiving this notice after I told him I wanted to cancel any further payments and he assured me it was just an automatic statement, and that the funds will not withdraw from my account. I also asked if he had heard back from the department that has access to the recorded calls. He said he did not, that he would give me a call tomorrow after he spoke with them. I did not receive a call from him the next day. It is not XXXX XXXX, 2016 and Transworld deducted XXXX from my XXXX XXXX XXXX account today. I am now canceling any future payments from this company with my bank and I want to take legal action.
Consumer complaint received 2016-12-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (FL)

My disputed is with a company saying that I had a account with them in XXXX 2010 for a car loan in which I had never did any businesses with them no paper work to show I have disputed this with all XXXX credit reporting company with no help other then they say it right when I know that it is wrong the company that is reporting this is XXXX at XXXX XXXX XXXX XXXX, LA XXXX the account number they show is XXXX. I ask for your help in this matter. as I 'm not getting any from the company
Consumer complaint received 2016-07-22
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ERC (GA)

ENHANCED RECOVERY I asked ENHANCED FOR for valiation and verification pursuant to 15USC1692g ( a ) ( b ), I am the Consumer Pursuant to 15USC1692a ( 3 ), and EHANCED RECOVERY is a DEBT COLLECTOR/DATA BUYER/RECEIVABLES PURCHASER pursuant to 15USC1692a ( XXXX ). EHANCED has intruded into my ( the Consumer 's ) Private Non-Public information which is called IDENTITY THEFT Pursuant to 16CFR603.2 and this is a Felony punishable by law. I ( the Consumer ) want ENHANCED RECOVERY to divulge information from the person or persons who shared private information with them first who, what, where, and why they are using my information to publically humiliate the Consumer. I ( the Consumer ) has successfully disputed this information because within five ( 5 ) days ENHANCED RECOVERY did not provide loan level documentation containing what the Consumer has requested. The statutes of limitations are up for ENHANCED RECOVERY. XXXX v XXXX, XXXX, XXXX, XXXX. an Amicus Brief covered this FDCPA Fair Debt Collection Practices Act. Specifically XXXX v. XXXX, XXXX, XXXX XXXX XXXX, XXXX. 
The CONSUMER wants ENHANCED RECOVERY TO CEASE AND DESIST COLLECTING ON SOMETHING THAT THE CONSUMER does n't have knowledge of or want to. This illegal behavior is being claimed by the Consumer to the Federal Bureau of Investigation Criminal Division for divulging this information as quickly as possible. PLEASE CEASE AND DESIST this dangerous behavior. 
The Consumer has needs to purchase personal, family, and household needs but is hindered from obtaining such because ENHANCED RECOVERY says she owes them money and according to the LIBEL CODE Article 42 which was signed into law on XXXX XXXX, 2016, you do not have authority to make the Consumer work for you and pay you money on something that you do not have a signed contract on. 
They have harmed the Consumers purchasing power which is the natural person pursuant to the ( FDCPA ) Fair Debt Collection Practices Act 15USC1692c, d, e, f, g, and j respectively. I ( the Consumer ) am not in COMMERCE. 
Pursuant to 15USC1692k I ( the Consumer ) has invoked her private right of action and wants this bad situation to go away as soon as possible. CEASE AND DESIST. Regards XXXX XXXX XXXX Consumer
Consumer complaint received 2016-07-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (MI)

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed .Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA -they are required to ... promptly delete all information which can not be verified. " that I have disputed.Please resolve this manner as soon as possible.Thank you
Consumer complaint received 2016-07-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (WA)

The US Treasury Department states I owe XXXX for a money order that was returned to the Post Office in XXXX 2016. The Post Master XXXX XXXX is in possession of this money order. I am being charged XXXX in fees plus the money order XXXX total XXXX. I have complained to the US Department of Treasury as well as disputed with the collection company. I have proof this money order was returned. Please delete from my credit report.
Consumer complaint received 2016-09-06
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Farrell Holdings, LLC (UT)

I had an auto loan that was previously repossessed back in XX/XX/2012. This debt is now past the statute of limitations on debt collection. However, they sold the debt to XXXX XXXX XXXX and both companies are now recently reporting on my credit file with a balance. It is against the law for XXXX companies to collect on the same debt.
Consumer complaint received 2016-07-23
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO. (TX)

XXXX XXXX Mileage Plus Explorer Card is through Chase Bank. XXXX / Chase offers XXXX bonus miles " after you spend {$1000.00} on purchases in the first three months from account opening. '' That statement is on an advertisement on the wall of every airport that XXXX XXXX serves, it 's on the brochure in every seatback, and it 's on the card 's website. ( The link is too long to post. Just XXXX " XXXX XXXX Plus card. '' The first thing you see is the XXXX bonus mile offer. ) We more than met the requirement. When the points were not added to our account I spoke with a Chase rep ( name of rep and date of call available ) who looked at our card usage, agreed we had met the requirement, and attempted to get the miles credited to our account. In response I received a letter XXXX XXXX from XXXX XXXX, Customer Service Specialist at Chase who denied that we had met the requirement. That precipitated my second call ( name of rep and date of call available ). The rep agreed we were entitled to the bonus miles and said that she was going to use a different " channel '' at Chase to get the points credited. A second letter from XXXX XXXX, Senior Financial Service Specialist XXXX arrived XXXX XXXX. This one said " As previously advised we only consider MATCHING BETTER OFFERS ( emphasis added ) within 90 days from the open date. Since you were outside of that timeframe, I regret that I am unable to take further action regarding the enrollment offer you requested. '' Please note : my complaint has nothing to do with " matching a better offer. '' XXXX XXXX has the wrong account in mind or something. 
I called XXXX XXXX six times at different times of the day from XXXX/XXXX/16 to XXXX/XXXX/16. Each time I had to leave a message. XXXX XXXX never returned my calls. 
I am exceedingly provoked by Chase attempting to stiff me, and by XXXX XXXX refusing to answer my calls. What 's the point of a Service Specialist putting a phone number with the hours he takes calls at the bottom of his letter if he does n't return calls? 
All I want however, is for Chase to honor the offer that they made. 
A check box below asks how much money we lost. We have lost nothing out of pocket, but XXXX miles will fly me or my wife to California and back -- which is worth about $ XXXX. One of the reasons we signed up for the card was the offer, so in that sense they are defrauding us of as much as {$500.00}. 
XXXX XXXX