davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Bank of China USA (NJ)

Recently, Bank of China New York branch inquired me about some transfers from my parents. These questions were very rude and made me feel extremely uncomfortable. I answered their questions truthfully. However, they also requested proof of my parents ' income and threatened to freeze my account and take control of my assets. They are demanding very private documents without evidence that the transfers from my parents are suspicious, and they claim this is required by U.S. law. I have conducted large transfers between various U.S. checking accounts before, and I have never encountered this situation.
Consumer complaint received 2024-09-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

I started making weekly payments in XXXX when the monthly mortgage payment was {$2700.00}. Select Portfolio Servicing did not allocate any of the weekly payments towards the escrow account. No escrow adjustment was made in XXXX. I continued to make weekly payments through XX/XX/XXXX. All payments made from XXXX through present were applied to principal and interest only. PDF is attached with payment history. 
I initiated a dispute with Select Portfolio Servicing on XX/XX/XXXX to reallocate the weekly payments from XXXX through XX/XX/XXXX to the escrow account instead of the principal and interest. Letter of denial dated XX/XX/XXXX was issued. 
Instead of Select Portfolio Servicing reallocating the weekly payments from XXXX through XX/XX/XXXX, Select Portfolio Servicing has made the escrow adjustment increase by {$1900.00} for the next 12 months, making the monthly mortgage payment change from {$2700.00} to {$4900.00}
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Early Warning Services, LLC (OR)

Early warning services is publishing information that violates the XXXX privacy act. I contacted them via phone call XX/XX/XXXX and sent out a letter on XX/XX/XXXX. they received it on XX/XX/XXXX. Their policy is XXXX for some kind of resolution. they have yet to respond or contact in any form like mail, email, or phone call. I call them XXXX to follow up and they still haven't done anything. they are in violation of the Fair Credit Reporting Act, Section 604. 15 U.S.C. 1681b. I expect them to do their job and perform.
Consumer complaint received 2024-09-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (PA)

I attended XXXX XXXX XXXX XXXX XXXX XXXX between the years of XXXX. My school misconduct application was received by Navient on XX/XX/24 and I was denied without a reason as to " why '' on XX/XX/24. There has been plenty of evidence of misconduct with this school and I was approved for XXXX XXXX XXXX for my federal loans, I feel that my application with Navient should have been approved given the amount of evidence of misconduct that was brought against XXXX XXXX XXXX  through lawsuits, attorney generals and Senators. 

I submitted a second application along with documented evidence of this misconduct and it was received by Navient on XX/XX/24. I am still waiting to hear from them on an approval.
Consumer complaint received 2024-09-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (FL)

Commencing on or about XXXX XX/XX/year>, I fell victim to XXXX multi-layered scam operations run by XXXX - XXXX which involved me making deposits for a total amount of XXXX USD from my Crypto.com account to fraudulent investment firm ( XXXX ).
Consumer complaint received 2024-09-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Helvey & Associates, Inc., Warsaw, IN Branch (NC)

When I paid this debt, XXXX of the terms was a pay- for-delete agreement and according to Fair Credit Reporting Act ( FCRA ) the agency is to remove this debt once balance is paid. I am requesting that you launch an investigation into the removal of my settled collection. In pursuant to 18 USC 1028A, I owe no debt to these companies, and they're violating my consumer right to privacy in pursuant to 15 USC 6802. They have the responsibility of reporting maximum accuracy to my credit report and according to 15 USC 1681 ( e ) B they are in violation. This company don't have my permission to use my information in pursuant to 15 USC 1681B.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS (TX)

I have sent numerous correspondence to Lexis Nexis, and they refuse to give me my free annual report. By FCRA law, they must provide this to me. They have still not sent me my report after the initial CFPB case was done ( CFPB Case # XXXX ). This is the 4th time of me making the request and sending in the requested documents. I have attached proof of them saying they got the documents but they sent it to the incorrect address now, someone out there will have all of my personal information
Consumer complaint received 2024-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NY)

Business Credit Loan account number XXXX On XX/XX/year> send requested to close account and completed form and sent over the fax to Citibank, few days later I receive letter to confirm I want to close account, and also sent by fax to Citibank. 
Later, on XX/XX/year> I receive statement from Citibank indicating my account open and they charging my account maintenance fee {$100.00}. My numerous attempt customer services were unsuccessful. Finally, on XX/XX/year>, I reached customer serviceXXXX, and representative XXXX could not confirm if my account open or closed, but I was charged {$100.00} fees. I ask to speak with supervisor, and spoke with XXXX from team number XXXX, that was completely waste of time. Not to mention she was rude and constantly interrupted me, but recommended to go the branch and discuss with branch XXXX to waive {$100.00} fee. I explained to her that I am working during the day and cant go to the branch. I comply with all procedure to do it by fax, but she was stone walled me. 
I also tried to call Citibank support number ( XXXX ) XXXX, and that was even worse experience. They put you to some kind of Reward line operator, and you dont have any option to skip, any number you press it routed to reward department and they pushing you for rewards option and demanding credit card number to activate reward card and pay activation fees {$4.00}. what kind of scam Citibank is running?
Consumer complaint received 2024-09-12
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: DISCOVER BANK (IL)

I am writing to address an ongoing issue regarding a recent purchase I made at your store. I bought a pair of sunglasses ( Dispute ID : XXXX ) for a total of {$270.00} plus tax. Unfortunately, upon discovering that the item was defective, I attempted to return it to the store where it was purchased. 

However, despite being within the return policy period, I was informed by the store manager that I could not return the item. I was told that since I had already bought it, a return was not possible. I was not made aware of this restriction at the time of purchase, and it was only after bringing the defective item home that this issue arose. 

Following this, I opened a dispute with my credit card issuer, Discover, regarding this charge. I have received correspondence from Discover stating that my claim was denied due to my failure to return the item, which does not take into account the merchants refusal to process the return. 

Given the circumstances : The defective item was returned within the policy period. 
The store refused to accept the return based on policies I was unaware of at the time of purchase. 

I kindly request that XXXX XXXXDiscover review this matter and consider processing a refund or providing an alternative resolution. Please find attached the relevant documentation, including the receipt, photos of the defective item, and communication with Discover.
Consumer complaint received 2024-09-12
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: SANTANDER HOLDINGS USA, INC. (SC)

I previous notified Santander, experian and the other credit bureaus that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Removeany chargeson the unauthorized account, and Take steps to remove information about this account from my credit files. 
I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

I enclosed a copy of the FTC'sNotice to Furnishers, which explains your responsibilities when reporting information to CRAs. Pleasestop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 
Pleasesend me a letter explaining your findings and actions. 
I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account :
Consumer complaint received 2024-09-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: JPMORGAN CHASE & CO. (DE)

Chase Bank mailed me a check on XX/XX/XXXX, and I received it on XX/XX/XXXX. I went to Chase Bank to cash the check on XX/XX/XXXX, but the staff at the Chase branch told me that I had to wait until XX/XX/XXXX to cash it. I went to the Chase branch on the morning of XX/XX/XXXX to cash the check, and the staff told me that it was a check that could not be cashed. Chase mailed me a suspended check. If I took this check to another bank to deposit it, what would the consequences be? Would the other bank sue me for fraud for cashing a fake check? I don't understand why Chase Bank did this. I can't sleep every day because of this matter, and I'm waiting for a check that can't be cashed. 
XXXX is the number I originally used to file a complaint against Chase at XXXX CFPB, and XXXX is the case number that Chase gave me in response.
Consumer complaint received 2024-09-12
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: CITIBANK, N.A. (MD)

On XXXX XXXX website there is advertising that if you apply for the Citi card and you are approved, that you will get {$200.00} statement credit XXXX bonus miles and there is a graphic subtracting {$200.00} the amount of the ticket you are in the process of purchasing. After applying it says that you will be redirected back to the page and you can use your temporary Citi card to pay for the flight. 

But Citi Bank never sends you the temporary card information and you can not use the card, and therefore cant get the statement credit and discount that their advertising implies you will get in order to incentivize you to apply for the card. You are also locked out of your Citi account because it asks you for the credit card number they never sent you. 

I called customer service and they had a speech prepared telling me there was nothing they could do to help me it was very clear this complaint was not new. I checked online and found several people complaining about this experience, so Citi Bank is aware of it and has done nothing to fix it. This is false advertising and it is bait and switch advertising.
Consumer complaint received 2024-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

I deposited a check for XXXX on XX/XX/year> the deposit cleared but they are asking me for a verification number I provided the number but chase said the number is not associated. I recently was participated in an event and my vehicle was unfortunately damaged and the event coordinator provided me a check as payment.
Consumer complaint received 2024-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP (CA)

We have a credit card with USBank card ending XXXX balance is being paid in full month before the due date. In XXXX and XXXX statements after the full payment was posted, a finance charge was posted to the account ( see attached docs ) I spoke with XXXX on XX/XX/year> and ask for an explanation and she seems to have trouble in explaining why? XXXX said that the finance charge was applied because i did not pay the amount in full on the closing day but i said the due date is not until XXXX according to your statement it says if the full amount is paid before the due date, no interest will be applied ( see docs ) Summer seems to have had difficulty when she was challenged on how the interest is calculated and kept on referring to how interest is calculated but could not justify applying the interest. 
When i asked if she would reverse the interest charge and she said NO so i said i will contact the FCPB and she said the conversation is recorded anyway. 
FYI : it is illegal in the State of CA where we live to record any conversation without my consent. XXXX did not ask for my consent and therefore she has violated the State law of California. 
It seems like this is a very deceptive practice by USBank of applying unwarranted interest. It should be disclosed to the consumer that interest will accrue when the balance is not paid before the closing date and the interest will accrue up to the day the balance is paid in full. THIS IS NOT DISCLOSED in the statement.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bridgecrest Acceptance Corporation (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear BRIDGECREST, I am writing to address the blatant violation regarding the unauthorized reporting of information to my credit report, as outlined by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as XXXX  state law concerning identity theft and consumer protection. 

It has come to my attention that BRIDGECREST has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as stated in the FCRA, mandates that consumer consent is required for such reporting activities under Section 1681b ( a ) ( 2 ). 

Additionally, under XXXX law, specifically XXXX of the Missouri Revised Statutes, identity theft is strictly prohibited, including the unauthorized use or misuse of an individuals personal identifying information. The unauthorized access and reporting of my credit information without consent could be considered a violation of this statute, alongside the federal FCRA provisions. 

I assert with certainty that I have not provided consent for BRIDGECREST to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights, resulting in potential damage to my creditworthiness and a disregard for both federal and state laws. 

I demand that BRIDGECREST immediately ceases any further reporting of information to my credit report without my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and relevant Missouri statutes, including XXXX regarding identity theft. Failure to comply within the stipulated XXXX timeframe will be viewed as willful noncompliance, subject to penalties under applicable federal and state laws, including identity theft statutes. 

This is a formal demand for compliance with both federal and Missouri state laws, protecting consumers like myself from unauthorized and damaging credit reporting. I expect your immediate attention to this matter and anticipate that BRIDGECREST will promptly rectify these violations, respecting my rights under the law. 

Done in good faith.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear DISCOVERBANK, I am writing to address the blatant violation regarding the unauthorized reporting of information to my credit report, as outlined by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as Missouri state law concerning identity theft and consumer protection.

It has come to my attention that DISCOVERBANK has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as stated in the FCRA, mandates that consumer consent is required for such reporting activities under Section 1681b ( a ) ( 2 ).

Additionally, under Missouri law, specifically 570.223 of the Missouri Revised Statutes, identity theft is strictly prohibited, including the unauthorized use or misuse of an individuals personal identifying information. The unauthorized access and reporting of my credit information without consent could be considered a violation of this statute, alongside the federal FCRA provisions. 

I assert with certainty that I have not provided consent for DISCOVERBANK to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights, resulting in potential damage to my creditworthiness and a disregard for both federal and state laws. 

I demand that DISCOVERBANK immediately ceases any further reporting of information to my credit report without my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and relevant Missouri statutes, including 570.223 regarding identity theft. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable federal and state laws, including identity theft statutes.

This is a formal demand for compliance with both federal and Missouri state laws, protecting consumers like myself from unauthorized and damaging credit reporting. I expect your immediate attention to this matter and anticipate that DISCOVERBANK will promptly rectify these violations, respecting my rights under the law. 

Done in good faith.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (AL)

Signed up for basic membership when I thought I had a security concern. Now I am totally unable to cancel membership. Constantly bombarded with emails daily from them despite turning of all notifications from the website. You are unable to reach a human on the phone and there is no way to cancel online. Essentially impossible to cancel.
Consumer complaint received 2024-09-12
Product: Vehicle loan or lease — Lease
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (GA)

Uniform Commercial Code ( UCC ) - Article 9, Part 6 ( 9-611, 9-614, 9-615 ) : 9-611 : Notification Before Disposition of Collateral : NMAC failed to provide me with the required notice before the sale of my repossessed vehicle. According to UCC 9-611, a secured party must notify the debtor of the date, time, and method of disposition of the collateral ( in this case, the vehicle ) in a reasonable manner.

9-614 : Explanation of Deficiency or Surplus : NMAC failed to provide me with an explanation of the remaining balance after the sale of the vehicle. The UCC requires secured creditors to inform debtors of the calculation of any deficiency or surplus resulting from the sale of repossessed collateral.

9-615 : Application of Proceeds from Disposition : NMAC did not properly apply the proceeds from the sale to the balance of my loan as required by UCC 9-615 .

Additionally, I was not notified of any surplus or whether NMAC retained any proceeds from the sale improperly.

3. Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692 : NMACs practices of contacting me to demand the remaining balance after selling my vehicle without proper notice could also violate the FDCPA, which prohibits debt collectors from engaging in unfair or deceptive practices when attempting to collect a debt. Specifically : 15 U.S.C. 1692d : Prohibits harassing or abusive conduct when collecting a debt.

15 U.S.C. 1692e : Prohibits the use of false, deceptive, or misleading representations in connection with the collection of any debt.

15 U.S.C. 1692f : Prohibits unfair or unconscionable practices in the collection of a debt, including any actions that are outside the legal bounds for repossession and sale of collateral.

4. Truth in Lending Act ( TILA ) - 15 U.S.C. 1601 et seq. : NMAC failed to adhere to clear disclosure requirements related to repossession and deficiency balances. Under TILA, creditors are required to provide consu

mers with clear information regarding their rights and responsibilities in the event of default and repossession. Nissan performed illegal collection and repo practices. Nissan has engaged in unfair acts and practices, in violation of the CFPA. 12 U.S.C. 5531 ( c ), 5536 ( a ) ( 1 ) ( B ). They did not advise its me the date or time when a repossession will occur. After repossessions occur, Nissan Motor Acceptance Corporation sends communications to me whose vehicle have been repossessed indicating that the repossession has occurred and noting what I will have to pay to recover their vehicles. By failing to provide proper notification before repossessing and selling my vehicle, NMAC caused significant financial and e
motional harm. Now I am being asked to pay the remaining balance on a vehicle I no longer have.