davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-29
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: JPMORGAN CHASE & CO. (CA)

Copy of email sent to Chase Bank : XX/XX/2020 Re : IRA Account # XXXX Dear Mr. XXXX and XXXX -- - Yet again I find myself being treated badly by your IRA office. I finally got so disgusted with their poor service over the past three years, I decided to switch Trustees, to XXXX XXXX XXXX. 

When this 120-month IRA CD was set up about 7 years ago, the Manager at your the XXXX CA branch specifically wrote that there would be no early withdrawal penalties since I I am XXXX. I showed him my XXXX XXXX XXXX, and the registration of my XXXX XXXX. 

Recently there has been about {$18000.00} or so in this IRA CD, so I've been getting about $ 180/year at the one-percent interest rate, which is put back into the CD. 

When I had XXXX XXXX XXXX  send the paperwork to transfer the IRA trusteeship from Chase to XXXX, I had my XXXX banker include documentation I gave her of my XXXX from the State of California [ XXXX XXXX  ] and XXXX County Superior Court [ where an application to permanently excuse me from jury duty due to my permanent XXXX was granted ]. I also included a photocopy of the Chase XXXX Branch 's Manager signature stating that there would b no penalty for early withdrawal. 

Despite all of this evidence being presented to you IRA office, they proceeded to deduct approximate {$730.00} from the IRA when they transferred it to XXXX XXXX XXXX!!! 

I would like to know why these funds were deducted, and how the calculation of that amount was made. I would like to know why -- -despite the signature of the branch manager, and the evidence of my XXXX -- -your IRA office deducted ANYTHING!! 

... .. 
... .. 
XXXX XXXX
Consumer complaint received 2018-09-03
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 — Was not notified of investigation status or results
Company: Consumer Portfolio Services, Inc. (TX)

For the past two years I have been trying for Consumer Portfolio Services to verify the transaction history on my auto account and fix it since I was never past due as what it shows on my credit report, it shows me being past due in XX/XX/XXXX in the months of XX/XX/XXXX ( 30 days ) XX/XX/XXXX and XX/XX/XXXXand XX/XX/XXXX ( 30 days ) XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX leading all the way to XX/XX/XXXX when I paid off my account, I'm also submitting for further review under the FTCP for the way they collect as my account was only 1 day past due, my records reflect different as not past due, I also tried calling them with no success, no one will respond to me.
Consumer complaint received 2018-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I maked my payment on time One year ago, the company name is Capitol one i used my debit XXXX XXXX XXXX, and then i called capitol one and they say everything XXXX be fix, but i still waiting a year and still show in my credit report, i Need u guys erase that mistake is not my foult, is look bad on my record .... thank u i gona wait for ur respond with good news ...
Consumer complaint received 2018-08-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (TX)

Credit exception us the loan on my truck they say I owe more than I do. They always saying I am XXXX behind. My payment is in every month now there saying I owe four more years when I only owe 2 1/2 years. I have the contract I singed I only took out XXXX on the loan. That was interested and every thing paid XXXX more a month on the payment to reduce the payment none of that went to the payment of The truck. What my next steps to fix these issues
Consumer complaint received 2018-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

i have an XXXX XXXX XXXX car loan # XXXX XXXX for {$260.00} monthly and all 3 credit bureaus have removed or blocked from my credit file. I called and they said i disputed is as fraud and I DID NOT. I ASKED TO HAVE IT REPORTING AND THEY SAID THEY COULDN'T. I called the credit union and they said it was a credit bureaus issue. 
I need this back on my credit as it is my account and i need it showing. Please get this fixed by having it report on all 3 bureaus I never filed any fraud dispute with this loan
Consumer complaint received 2018-09-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Neon Newco Corporation (NY)

I received what appears to be a prepaid card from netspend located in XXXX Texas. The mail was addressed to a person who does not live at my address. When I try to call the company to report possible fraudulent activity the number does not give you the opportunity to speak to a representative if you dont have an act number or it will ask you for a social security number. This is not the first time I received this from netspend. I placed a complaint a few months ago because they sent me a prepaid card and I never asked for this card. This company should not be asking for social security numbers in order to be able to speak to a representative. They have no option to call and report this type of activity. This is very deceptive to a consumer and should be looked into. I want to find out who is using my address for this type of activity.
Consumer complaint received 2018-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Today I reached out and begged Capital One to take a payment from me today ( already had it scheduled ) and they would not help me. I had gotten my purse stolen, my grandchildren with me and we are over two hours from home. I happened to have my Cap 1 # in my car and asked if they could allow a payment and release the amount to my card, and they would not do it I have been the victim of identity theft and I've also been treated like a criminal and irresponsible person because of it. It's honestly been a nightmare. Capital One isn't any different than XXXX or XXXX XXXX? The people I dealt with were XXXX emp # XXXX, XXXX emp # XXXX, XXXX emp # XXXX ( he lied about this number ) and his supervisor XXXX emp # XXXX or XXXX ref # XXXX. After this I am cancelling this card and I will never again believe another company. I feel betrayed and beaten. thanks Capital One
Consumer complaint received 2018-09-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: PENTAGON FEDERAL CREDIT UNION (MD)

In XX/XX/2015 I opened a Credit Card with Pentagon Federal Credit Union. I fell on hard times due to a accident that left me incapacitated. Nonetheless when I received my settlement money I called Pentagon Federal and spoke with a nice woman about taking payment for both my line of credit and credit card. The woman advised me that she would have someone give me a call back making sure that I was still able to pay on the card since it was close to approaching Charge-Off Status. The woman called me back the following day and stated that I just met the cut off stated her supervisor and she then proceeded to take the payment information. 
I would never pay money that I do not have just to have them report my credit on my credit as a charge off. I could have kept my money. In good faith I called to pay them and now they are stating that it was paid after it was charged off. If this is the case they need to give me back my money. The woman I spoke with was 100 % certain that it had not reached charge off status and that was how I was even able to pay the balance. This makes no sense and they are hurting my chances of purchasing a new home because of it. Not to mention my daughters tuition payments hold a higher than usual interest payment since they did this XXXX. I have the name of the woman some place and will send that in as soon as I locate it. I am tired of trying to fight these people to do what is right.
Consumer complaint received 2023-07-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (IL)

Earlier this spring, I got a notification email that my student loan payment was past due. This was confusing, because the Covid forbearance has been in effect for several years and no payments are due. I called a few months ago and was told that this was some sort of issue with add service financials, transferring of their own website or payment platform and it would resolve itself. 

For the next few months, I continued to get emails that a payment was due. XXXX month, I simply made the payment. Then I realized that it continued to tell me that I had a past due payment each month that I didnt pay. 

I called today and was informed that when the company did this transfer on their website, the forbearance marker on my account fell off and I was designated as in repayment. I asked if this was a mistake. I was told that no, it wasnt a mistake, its just something that happened. He changed the designation on my account. I said that it sounded like a mistake or a deceptive practice. They told me it wasnt a deceptive practice and it was a known issue. I asked, if it was a known issue then why wasnt I informed? The customer service agent refused to answer that question. I told him I would make a complaint to the DoE and he rushed off the phones and told me to stay on the line for a one question survey. I waited for another XXXX minutes, and was never sent to the survey to register my dissatisfaction with my engagement. 

I am a pretty informed student loan borrower who has the resources to pay and to spend XXXX minutes on the phone with Ed Services financial. I am submitting this complaint so the CFPB is aware that they are engaging in these deceptive practices on behalf of people who dont have the awareness or time to deal with this loan service provider.
Consumer complaint received 2018-09-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (CA)

I have been in communication with my lender, LOANCARE regarding options to avoid foreclosure. I submitted documents to be review for loss mitigation. On Friday XX/XX/2018, I was informed that the lender had denied my application because they felt I could not afford my mortgage payment, I asked a representative if I can appeal the denial because I do in fact make more than enough to resume making my mortgage payments again. I was informed by the representative on behalf of LOANCARE that the letter was generated on Friday XX/XX/2018 and mailed to me and that due to that, the sale has been activated for tomorrow XX/XX/2018 and they intend to move forward with the sale without giving me the opportunity to appeal it. My application was denied on Friday, Monday was a holiday ( XXXX XXXX ) and today is now Tuesday, which has left me with one business day to figure out my options, how is this fair? My Homeowner Bill of Rights have been violated, I was refused the right to appeal well within the means of the denial and I was never assigned a designated point of contact with LOANCARE.
Consumer complaint received 2018-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (NC)

Discover financial services {$750.00} Opened XX/XX/XXXX Closed XX/XX/XXXX Discover financial services XXXX XXXX XXXX XXXX de XXXX XXXX XXXX XXXX Im noticing this is still on my credit report when i reported to them i never even recieved a credit card from them. Someone had stolen my information. Thia debt is not mine.
Consumer complaint received 2020-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion shows a credit report requested on XX/XX/2020. They were unable/unwilling to tell me who initiated this credit report. The issue is critical, because someone hacked our account with our home phone provider, on that same date, and began a " Port-OUT Scam. 
They successfully impersonated me on XX/XX/2020 and then on XX/XX/2020 initiated a Port-Out request which resulted in our phone number being ported-out from XXXX, via XXXX, to XXXX XXXX XXXX. We are trying to learn who is the perpetrator of this fraud and recover our phone number and are having trouble getting info from all parties. 

A quick XXXX search shows that PORT-OUT SCAMS are routinely used as the first step in identity theft! WE NEED HELP!!!
Consumer complaint received 2020-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I decided to get my credit pulled due to a couple of collection letters I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CT)

Equifax 's information security program failed to properly protect my NPPI as a result of a massive data breach. I checked their website, which confirmed that my data was likely exposed. Equifax attempted to offer account protection services, but demanded a waiver a future claims. The CFPB must ensure that Equifax properly protect consumer data and provide FREE monitoring services without demands for waiver of rights. The company is responsible to protect its customers.
Consumer complaint received 2023-10-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Onity Group Inc. (GA)

XXXX XXXX XXXX COLLABORATED WITH XXXX XXXX XXXX and it principal lending officer XXXX XXXX to STEAL almost XXXX after i signed closing documents. After I signed the closing docs to recivece XXXX XXXX XXXX callED the title company XXXX XXXX  XXXX PA TO STOP THE WIRE!!! WIRE FRAUD AT ITS BEST!!! SO THEY LATER SENT A DOCUSIGN SAYING IF I WANTED ANY MONEY I NEED TO SIGN.. 

PLESE DONT LET THEM GET AWAYY WITH THIS
Consumer complaint received 2017-07-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: GOLDMAN SACHS BANK USA (TX)

I am a victim of identity theft. I previously created a complaint against Goldman Sach 's bank. After communicating with XXXX XXXX at the Consumer Financial Protection Bureau again today over the phone I was told to create a new complaint. After I became aware that I was a victim of identity theft I notified the creditors that had opened accounts online fraudulently in my name. The only financial institution that has not removed the fraudulent accounts from my credit profile is XXXX by Goldman Sachs. After putting in writing through the CFPB portal that I want to only communicate in writing Goldman Sach 's did not honor my request and called me on my parent 's phone number. I was instructed to file a complaint with the FCC for the phone harassment which I have now done as well. Goldman Sach 's sent me a packet to fill out and requested that I mail it back to them. I will not be mailing it, however I will upload it to this portal so that their actions may be monitored by a federal consumer advocacy group since they have proven to be such predatory and unscrupulous bankers in their attempts to harass me about a loan I did not request, receive or benefit from in any way. I have attached the filled out packet to this portal. I previously provided Goldman with proof that I did not even reside at the address they have on the loan documents. The proof I provided was a signed executed lease agreement at my current residence.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

With the XXXX breach in the news ( XX/XX/XXXX ), I went to the FTC 's own website for guidance how to freeze my and my wife 's credit reports ( aka " credit freeze '' ), and it listed three companies which one must contact to implement this, XXXX XXXX  and TransUnion, also provided their phone numbers. I called each them and successfully navigated their phone prompts, and implemented credit freezes for both of us. 

But when I called the third company, TransUnion, using the number provided by the FTC 's own website ( namely, XXXX ), I had a very peculiar experience. Instead of being asked to use various voice or keypad prompts to enter my info so as to implement a credit freeze, I was tested to an outrageous series of something 12-15 advertisements. Yes, I had to sit there through one 30 second ad after another after another, again and again. One for XXXX television network, one for a single club, one for trips to XXXX or something, another for insurance, etc. all the while patiently waiting for when the credit freeze part of the call would commence, so I could implement my credit freeze. It never came. 

So I went to TransUnion 's website and tried to implement a credit freeze via its website. It did. It work. 

How come the FTC is advising consumers to use a phone number for commencing credit freezes which is really a vehicle for a series of terrible ads, with absolutely zero about credit freezes? Something is very wrong. Has no one at the FTC checked its own info? The website carries a copyright date of XX/XX/XXXX, which is old and may need updating. Has anyone in an executive position at TransUnion ever tested their own number? What a horrible consumer experience on a critical topic these days. It is really legally irresponsible, and frankly, I think that TransUnion is open to legal liability if consumers are not able to implement credit freezes in light of what happened this week at XXXX. This is important.
Consumer complaint received 2017-06-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

On XXXX XXXX, 2017 USAA closed my account and refused to return all funds owed to me. {$1100.00} was deposited into the ATM own by USAA, deposit was made by cash. USAA decided that the account transactions were fraud and informed me that no money would be returned. Ive contacted USAA several times and sent them all documents of identification proving that I am the actual account holder. On several occasions USAA has hung up the phone when I was addressing my concerns. USAA has never emailed me or mailed a letter about this situation all form of communication was started by myself the account holder
Consumer complaint received 2017-07-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: KEYCORP (OR)

Key Bank Charged my account an overdraft fee of {$37.00} on XXXX XXXX, 2017 when my balance was {$2300.00}, after all items for that day had been processed. They refuse to refund the charge, or explain why they charged an overdraft when there were sufficient funds in the account. <P/>Account name : XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

OnXX/XX/XXXX, Equifax announced that they had suffered a security breach that exposed personally identifying information of myself as well as many millions of other 'customers. ' From their press release on the subject : " XX/XX/XXXX Equifax Inc. ( XXXX : XXXX ) today announced a cybersecurity incident potentially impacting approximately 143 million U.S. consumers. Criminals exploited a U.S. website application vulnerability to gain access to certain files. Based on the companys investigation, the unauthorized access occurred from mid-XXXX through XX/XX/XXXX. The company has found no evidence of unauthorized activity on Equifaxs core consumer or commercial credit reporting databases. 

The information accessed primarily includes names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. In addition, credit card numbers for approximately 209,000 U.S. consumers, and certain dispute documents with personal identifying information for approximately 182,000 U.SXXXX consumers, were accessed. As part of its investigation of this application vulnerability, Equifax also identified unauthorized access to limited personal information for certain XXXX and XXXX residents. Equifax will work with XXXX and XXXX regulators to determine appropriate next steps. The company has found no evidence that personal information of consumers in any other country has been impacted. 

Equifax discovered the unauthorized access onXX/XX/XXXX of this year and acted immediately to stop the intrusion. '' Through their site, https : //www.equifaxsecurity2017.com/, they have confirmed that I have likely been affected by the breach : " Thank You Based on the information provided, we believe that your personal information may have been impacted by this incident. ''
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WA)

Equifax experience a data breach that compromised my personal information to unknown persons on Friday XXXX XXXX, 2017. I verified this information by using the https : //www.equifaxsecurity2017.comXXXX form. The company is not taking enough action to remedy this terrible leak of my trusted personal information.