davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-05
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (FL)

I 'm being charged for XXXX ATM withdrawals for which funds were not received. Each transaction was for XXXX for a total of XXXX USD. Chase back credited me for that amount on XX/XX/XXXX the date of the attempted withdrawal. No receipt was given to me at ATM. On XXXX/XXXX/XXXX they took back the XXXX credit and on XXXX/XXXX/XXXX tomorrow they are taking the other XXXX back also as per their investigation. This happen at XXXX XXXX XXXX XXXX, they gave me the information on the owners of the ATM '' s XXXX XXXX. They told me that they ca n't do nothing until a count is done at the end of the week. I reported it to security trying to get film footage of me to prove that I did not receive funds, they refused because I was n't robbed. Come to find out the has happen before with a Chase Bank customer before so I felt that I would not be ripped off, how wrong I was. The Claim number with Chase Bank is XXXX, Card ending XXXX, account ending XXXX. That casino has camera footage and it will show I did NOT receive funds.
Consumer complaint received 2023-06-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (MI)

I have been making numerous principal curtailment payments. The last such payment of {$100000.00} made on XX/XX/30 was not applied and is not showing anywhere in my account. I have submitted proof of payment from my bank, but the lender/servicer has not as much as acknowledged my request to investigate from XXXX.
Consumer complaint received 2015-12-11
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO. (HI)

I really hope this is n't a waste of your time. 

I am a service member with a credit card with Chase. I have other credit cards whose interest drops to 6 % because of the Servicemember 's Civil Relief Act ( SCRA ). Unfortunately, Chase says that I am not eligible because I got the credit card after I entered XXXX XXXX. XXXX and XXXX are XXXX companies that do n't have such a restriction.
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc. (LA)

I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) against the XXXX XXXX XXXX and XXXX XXXX and their debt collection company, IC systems Inc., concerning their fraudulent billing practices and subsequent reporting of these bills to credit reporting agencies. The XXXX and XXXX XXXX 's deceptive actions have resulted in significant financial harm to the residents of XXXX XXXX. 

I wish to bring to your attention a series of articles that highlight the fraudulent practices of the XXXX XXXX XXXX and XXXX XXXX over the past five years. These articles present substantial evidence of the board 's deliberate misrepresentation and deceptive billing practices. Please find the relevant links below : Article 1 : XXXX XXXX  XXXX Article 2 : XXXX XXXX XXXX Article 3 : XXXX XXXX XXXX Article 4 : XXXX XXXX XXXX Article 5 : XXXX XXXX XXXX These articles demonstrate numerous instances where the Sewerage and Water Board has sent fraudulent bills to the Citizens of the city of XXXX XXXX and subsequently reported these false debts to various credit reporting agencies. These actions have inflicted severe financial hardship, damaged credit histories, and imposed unwarranted negative consequences on innocent individuals. 

As a victim of the Sewerage and Water Board 's fraudulent billing and reporting, I have personally received inaccurate bills, which were then reported to credit reporting agencies without any valid basis. These erroneous reports have significantly impacted my creditworthiness and caused significant distress. 

I respectfully request that the Consumer Financial Protection Bureau conducts a thorough investigation into the fraudulent billing and reporting practices of the XXXX XXXX XXXX and XXXX XXXX. It is essential to hold the board accountable for their deceptive actions and prevent further harm to the residents of XXXX XXXX. 

Furthermore, I urge the Consumer Financial Protection Bureau to take appropriate measures to rectify the damage caused by the Sewerage and Water Board 's fraudulent practices. This should include enforcing penalties, facilitating the removal of inaccurate information from credit reports, and implementing safeguards to prevent future occurrences. 

Should you require any additional information or have any questions regarding this complaint, please do not hesitate to contact me. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take swift and decisive action to address the fraudulent billing and reporting practices of the XXXX XXXX XXXX and XXXX XXXX.
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (CT)

The reporting agency XXXX, XXXX, XXXX are committing fraud against me

. By reporting information that resulted in identity theft, pursuant to, 15 U.S. Code 1681 ( e ). Also 18 U.S. Code 894, they have and continue harming my my name as consumer and ruining the fact of presenting a better credit score if it wasn't for these fraudulent occurrences.
Consumer complaint received 2023-08-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (CT)

Im just giving you one more chance to do your job! Im told you regulate Citibank! But you dont, when I have called several times and have been told by my banking commissioner XXXX XXXX banking commissioner the fdic the occ my attorney general that you regulate Citibank and you send me an answer from citi telling me they can close an account for any reason at anytime! Thats all well and good but they dont give you your money back! How is that you doing your job! Then I call and Im told you dont regulate them on a personal level! But every other agency says you do! They have my money and said they will never release it to me without a harmless bank to bank transfer that they no I cant initiate nor will peoples bank initiate it, because Citibank cried fraud then cashed the check! They have thousands of complaints on forums of Citibank closing accounts and many have been waiting for XXXX months and cant get you to do your job! So good job suing them back In 2015 but now they are getting it back by holding tons of consumers money, probably doing short term investments and recouping it back at our expense. So now that everything is exhausted and Ive invested a month into this. I will go to the news and social media not only against Citibank but you as well!
Consumer complaint received 2023-05-02
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Medical Management, Inc. (WI)

In XXXX of 2018 I took out two payday loans with XXXX XXXX XXXX XXXX totaling XXXX. In 4 years and 9 months they had added so much interest theyre now saying I owe more than XXXX.
Consumer complaint received 2015-08-06
Product: Credit card — 
Issue: Late fee — 
Company: TD BANK US HOLDING COMPANY (NH)

I own a Target Redcard. The payment is due on the XXXX of each month. XXXX times in the past few months, I have logged onto the Target Card website, on the XXXX to make a payment. Each time I log on, I click " make a payment ''. Each time I 've done this, during the day and in the morning, I get an error message indicating that the website is unavailable. This has happened each time I do this. When I log in after I get home from work ( after XXXX ), the website miraculously work. If I try and make a payment, however, the next day is selected and it winds up being a " late payment '' - therefore Target charges a XXXX dollar late fee. Each time I contact them, I ask them to adjust the late fee, citing the confirmation numbers of the payments. XXXX, they 've had to reverse the late charge however this time, they refuse - saying that I could have called or gone to the XXXX XXXX. When I do n't get home from work until at XXXX, It 's impossible to call and go to the store. Their website should work during the day. This is extremely deceptive and completely unfair in business practices and ethics. My payments are always made on the day they are due and because Target 's website chooses not to work, each time I try to make a payment, I should not be charged a late fee, as a repercussion. This is some of the worst business practices I have ever seen, erroneously charging customers fees.
Consumer complaint received 2015-08-10
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: TMX Finance LLC (GA)

I applied for a loan XXXX 2014 for car repairs. I was granted a {$500.00} short term loan because my credit score was too low to receive a regular loan. When I explain that I wo n't be able to pay the loan in full the following pay period, they told me I can pay installments of {$82.00} to get the balance down. I have been paying on this loan every month only late XXXX time and my balance is {$570.00} from the beginning balance of {$670.00}. When I questioned the manager about the balance she stated that I would have to pay more than what is required in order to lower it. That was never explained when the loan was processed. This company is only applying my payments to the reoccurring finance charges instead of the loan it self. I will never finish paying for this account like that. I asked if I could be place on a better loan with my payments to be applied directly to the balance. They stated my credit score was still too low to have that type of loan. So far I have paid Instaloan over {$900.00} in payments.
Consumer complaint received 2015-05-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MN)

I am victim of identity theft and have accounts listed on my credit report that do n't belong to me. I have sent numerous police reports and letters to Equifax disputing the inaccurate information listed on my credit report and Equifax has sent me numerous letters informing me the information is accurate and will remain on my credit report. The following accounts listed on my credit report are fraudulent and I want them removed immediately from my Equifax credit report : XXXX XXXX Bank, Account Number : XXXX XXXX Bank, Account Number : XXXX XXXX, Account Number : XXXX XXXX Bank XXXX XXXX, Account Number : XXXX XXXX, Account Number : XXXX XXXX XXXX, Account Number : XXXX Bank, Account number : XXXX
Consumer complaint received 2024-10-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY (NH)

I previously made a formal complaint about how this company determines the monthly mortgage payment amount from year to year. They sent me an incomprehensible 5 to 8 page written response that not even an attorney well versed in mortgage law could comprehend. Last year the monthly mortgage payment was {$1000.00}. This year payment is {$1200.00}. This is not the first time this has happened over the course of the loan, and I know of no reason ( s ) why the increase is necessary. The insurance and property taxes are the approximately the same from year to year. 

Also, I have been receiving correspondences about Mortage products I had no idea I had been paying for or even that I had elected to have these products. When I contacted the company about these products, and what they were for, I was told I would be reimbursed, but they could not tell me what the products were for and why I had no idea I had been paying for these products?????? I then would receive a check for XXXX or so a month or so later. 

I do not trust this lender. I am begging you to have my file with this lender pulled and reviewed. I feel as though I have been taken for a fool by this outfit, and would like to know if I have any recourse against them.
Consumer complaint received 2016-11-02
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. ()

This is at least my third complaint about Chase ( the bank company ). Long story short : as usual, they took an extended time to send my ATM card to me in XXXX, XXXX ( I 'm an American XXXX ). When it arrived, I had forgotten my PIN # & ended up with the card being eaten by a XXXX XXXX ATM at XXXX. I called XXXX & was told that to recover my card, Chase had to " unlock '' it. The Chase rep ( XXXX ) said he could n't unlock a card that was in somebody else 's possession, but could send me a new card. I consented, but then he would n't send it because I could n't recall my last date & amount charged ( a Chase security measure ). I demanded to speak to a supervisor. The second person I spoke to said that he could n't send my card because the mailing address I gave him did n't match what he had on file! BUT : the mailing address I gave him was directly off the piece of mail which Chase had used to send this ATM card to me to begin with! It was the exact same address from another piece of mail from Chase. I could n't get a direct answer to my question as to why, if the original card was sent FROM CHASE ( in XXXX, TX ) in THEIR envelope to THIS ADDRESS, a replacement card could n't be sent there as well. I then demanded to speak to somebody else and was told that " somebody else '' was busy with other customers ( XXXX ATM card mailings, perhaps? ) & was asked for my phone # for a callback. As I type this, it 's the next day -- still no callback! I hope your agency can find a way to sanction Chase for their incompetence and lack of caring for US expat customers. Maybe a great start would be to require them to pay back the XXXX dollars we taxpayers had to fork over to those clowns in bailout money : XXXX I 'm tired of apologies and excuses from Chase -- what I want is a new card and a new PIN #. Nothing else will do. Thank you very much.
Consumer complaint received 2016-01-08
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: The CBE Group, Inc. (VA)

I had informed CBE with each call that the person who they were calling was not at that number but they failed to update their records. The calls were approximately once a week and very disruptive. Their auto-dialing tactics should be prevented from these harassing phone calls when they have incorrect information.
Consumer complaint received 2016-04-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC. (OH)

For about 5 years at the least I have been receiving letters of demand from Pioneer credit recovery.First I almost got kicked out of my previous apartment because of this and something about bad checks written in Texas.My landlord & myself both faxed over my license with my social security number.To this day I am still receiving letters with case numbers.Once again. This has went on for YEARS..I have financial problems myself and this is very over whelming. I worked with children for 7 years so to have a XXXX case hanging over my head definitely left a bad taste in my ex bosses mouth
Consumer complaint received 2024-11-07
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: CITIBANK, N.A. (NY)

In XXXX XXXX XXXXXX/XX/year> I accidently made a balance transfer to my Citi credit card. I called Citi bank right away to ask " don't accept this transfer because I send it accidently. Citi bank rejected this my request. Because I overpayed the credit card balance I used that money to make a credit card balance {$0.00}. In 2 biling cycles XX/XX/XXXX, I've seen a transaction " Refund procces '' on exact amount my rejected request on XXXX. Citi bank told me they sent " the check '' to me on XX/XX/scrub>XXXX XXXX XXXX I did not get any mails from Citi. I religiosly call to Citi bank every 2 days and I get only 2 hours or my time and non any adequate response. I asked Citi to make a deposit to my checking account and also could not get the rsponse and money on my account Already, 1 month passed anf only by XXXX I will get only the result of their own mistake. Please, could you direct me to some one who can help me.
Consumer complaint received 2015-05-08
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: EVERBANK, NATIONAL ASSOCIATION (FL)

On XXXX XXXX, 2012, while I was at work, I, XXXX XXXX XXXX, was forced out of my home for the second time ; by which XXXX XXXX, XXXX XXXX and its affiliates committed fraud upon the court, coercion, racketeering, conversion, GRAND THEFT, wrongful eviction, trespassing, breaking and entering, fraud, constructive fraud, etc., with the motive to cover up all loose ends of this mortgage transaction by confiscating all of my belongings in order to dispose of any incriminating evidence that chronicled my dealings with XXXX XXXX that could possible yield to any potential wrong doing on their behalf. Since XXXX XXXX fraudulently achieved a favorable foreclosure decision on the merit of abandonment, it is plausible to believe that the motive for why XXXX XXXX needed to confiscate all my belongings without returning them is due in part that XXXX XXXX could not turn around and request the courts to issue an eviction notice when it was XXXX XXXX 's sworn testimony in court that my residence was deemed " abandoned '' by their preservation team XXXX XXXX! 

With that being said, all evidence clearly indicates how XXXX XXXX only sole purpose for contracting XXXX XXXX was for them to diminish and/or eliminate any potential defense against mortgage fraud with the perceived notion that once XXXX XXXX was successful in empting out my home I would be without a justifiable defense to refute any mortgage documentation presented by XXXX XXXX as being authentic. As a result, XXXX XXXX, via my initial complaint with them, took the liberty to either replace my mortgage loan documents or alter them with fraudulent ones of their own [ XXXX ]. Nevertheless, when I filed former complaint ( s ) against the closing agent/notary-XXXX XXXX, along with complaint ( s ) against XXXX XXXX-who originated this loan-they confirmed via their response ( s ) that the documents presented by XXXX XXXX were not documents prepared or presented for me to view and sign for at closing [ XXXX ]. Nevertheless, it is XXXX XXXX who is proclaiming that there was no wrong doing committed on their behalf ; therefore, all documentation they presented via the CFPB was a part of my " original '' closing packet that was packaged and sold to them by XXXX. 

With that being said, I request for Everbank ( XXXX ), via the CFPB, to explain to me in detail why a ) did Everbank ( XXXX ) intentionally and maliciously commit fraud by fabricating my loan documents with fraudulent signatures ; and b ) if XXXX XXXX proclaims that they did not commit fraud by forging my signatures to mortgage documents for XXXX to explain in detail the who, what, when, where of HOW XXXX Bank came to be in possession of fraudulent mortgage documentation that can not be accounted for by the originating source ( s ) who had me to sign " all '' applicable mortgage documents at closing [ XXXX ] that now contradicts documentation XXXX XXXX presented as being a part of my " original '' loan packet!
Consumer complaint received 2024-08-10
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: NAVY FEDERAL CREDIT UNION (AL)

on XX/XX/XXXX Me and Navy Federal Credit Union discussed a settlement and agreed at {$8600.00} for a {$13000.00} balance on the XXXX XXXX XXXX XXXX that has been closed since XXXX and procured interest at +18.00 % of the unpaid balance. I paid {$1000.00} that day in addition to previous payments towards a stubborn balance. 


The statements says it will take 27 years to pay off. 


So, on XXXX I authorized the settlement payments over the phone. 

I was under the impression that the payments would be withdrawn where as we discussed withdrawals from my savings account. 
*** The representative never stated that the remaining payments Needed to be made by phone every time or that I would have to set it up manually after our call for the agreement to hold. *** However, their calls are recorded and I asked the supervisor did the representative relay the information that I would need to set up the additional payments manually where as they were only authorizing a payment for that day and not any further, she said she did not hear him disclose the information or provide those necessary details. 

That disclosure/information would have been vital for success of the settlement. 

Where as the authorization I gave over the phone was my understanding of a reoccurring withdrawal authorization because we discussed a date and from which account the payments would be withdrawn. 



Solutions : I asked her if we get a new agreement and possibly at a lesser amount than before or the remaining balance ( around {$7400.00} ) and she said they were not legally required to share that information or clarify that future payments would require action by phone. 

I contacted you guys because I believe the authorization of my payments over the phone was to be automatically withdrawn. 
___ I asked Navy Federal for a review of my interest rate because of the SCRA act stating no more than 6 % of interest for XXXX XXXX, Reservists, and other members of the armed forces. They sent me a form to fill out for my proof of service. 
I have paid on this credit card through financial struggle and Navy Federal has withdrawn money from my accounts without authorization because they said " It is their right to '' they have applied + $ 18.00 % in addition to my minimum payment consistently regardless of the payments I've made. 

Before I proceed with any further payments or agreements I would like you guys to help me. I am a new mom, I just had my son in XXXX, and before COVID-19, I was a stellar member with my finances in order. 

I even asked could we tally up payments made to the account to come to a solution of settlement because I want to be a homeowner and have a greater credit score, but they are hindering me with the negative reports, excessive interest, and misleading agreements.
Consumer complaint received 2017-01-23
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (PA)

I currently have XXXX Loans from Navient. They have screwed up a bunch of my payments. Last year in XXXX I applied to have my payments reduced because I was unable to make the payments. They told me they would inform me if I was accepted to have them reduced. They took double the amount of money out of my account and when I called back later that month they told me that I was denied, and that I could apply for it to have it reduced for one year. So that being the only thing that I could do I accepted, and the process I went through to be approved took forever. They messed up my information did not inform me how much and when my payments were to be made. Dealing with Navient has been nothing but trouble and causing me nothing but stress.