davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-11
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (CA)

Good Morning/Afternoon, I have a credit card with Chase bank. For the past year I have been trying to increase the automatic payment amount being drafted, however it has been impossible because Chase only provides XXXX options for automatic payment : the minimum amount of {$25.00} or the account balance. They do not offer an option where the customer can enter a desired amount -- amount higher than the minimum payment. This is a deliberate effort on their part to discourage consumers from paying off their debt sooner. It 's very inconvenient because I physically have to walk into a branch to make additional payments. All of my other credit cards/banks have the option to enter a desired amount. Is this legal? Please advise. 
Thanks for your time. 
Regards, XXXX XXXX
Consumer complaint received 2015-10-23
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (GA)

On XXXX XXXX was the last day I could use my card. I receieved a transfer from a friend for {$20.00}. I was waiting for my DD to hit on XXXX XXXX but never did. I tried to get online to sccess my acct and it was locked. I tried to call but it was busy busy busy.So I got on XXXX and saw a group about # ENDRUSHCARD and joined. I was seeing people with situations way worse than mine. I went to XXXX XXXX page explaining our situations and no response. I called All news stations, no response, then I called a atty and found out there is nothing we can do because of a Arbitration in the Rushcard agreement.NOW I am worried my mom will not get her SSI money on XXXX XXXX and then she will be XXXX. RUSHCARD NEEDS TO BE TAKEN TO COURT AND SHUTDOWN!
Consumer complaint received 2020-05-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (MD)

On XX/XX/XXXX I bought from XXXX some face masks. Paid thru Paypal amount of {$42.00}. 
The seller ( I'm assuming ) is from XXXX. They have long since went past the due date for shipment. I filed a complaint with XXXX and Paypal. XXXX started to act on the complaint but closed the case because they saw I made a claim against Paypal also. Don't know why that matters or who I should have filed with first. 
Pay pal has done nothing to help. The seller comes back with XXXX saying they are overloaded because of the flu.
Consumer complaint received 2016-08-17
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: DriveTime (FL)

I am a Drive Time customer. They have repeatedly called me as soon as your one day late. One call is enough. In this case I have a XXXX year old car that has taking {$5000.00} dollars in repair which the warranty does not seem to cover any thing that goes wrong with it. They make you get this warranty with no option to say no. So thats added to the price of the car.So to keep car on the road so I can get to work. I pay through the roof to get car fixed. Then I dont have the funds for the payment on time. So the calls keep coming from XXXX eastern time to XXXX eastern time. Unfortunately this is the second car I have had with them since 2008. They did the same thing with first car. I could not get traditional loan from A lenders. Basically forced in to this cycle of XXXX again.
Consumer complaint received 2016-07-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (TX)

There is a company that just listed a collection on my credit file whom is ERC trying to collect for XXXX XXXX. I fought this with a prior agency XXXX I do NOT owe XXXX anything. Please help this is out of control.
Consumer complaint received 2015-05-12
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (FL)

Commonwealth Financial whose address is XXXX XXXX XXXX, XXXX, Pa ... ... ... phone number XXXX picked up a disputed account from XXXX XXXX XXXX in the amount of XXXX and submitted it on my credit report as them being them being the creditor. They submitted the same account again listed under another creditor named NE CRDTCOL for the same amount of XXXX. They have the same account listed on my credit report under XXXX different names but they are XXXX and the same. Their real name is Commonwealth Financial. as I googled the phone number they continuously call me from and it is registered to Commonwealth Financial. The number they call from is XXXX. When I call that number back, I get a person who states his name but no financial greeting. They now have listed another account for XXXX XXXX XXXX which is the same as XXXX XXXX XXXX. NE CRDTCOL does not exist and is bogus for Commonwealth Financial. They are trying to collect a debt that was not owed. I paid my co-pay and my insurance policy states if the medical servicer charges more than what my insurance pays after I pay my co-pay, that amount has to be forfeited by the servicer. I consider these vultures who seek out debs that are 5 years old or older and try to collect on them as bottom of the pond scum suckers and I have no intention of paying them XXXX cent. I have been harassed by these people for years and have had enough especially now that as of XXXX XXXX, they submitted the same account against my credit. Guess the vultures forgot they had already submitted it in XXXX. I have printed my credit report and submitted it to an attorney proving what I am saying is true and I have the phone number stored in my cell phone showing that the real culprit in this scam is Commonwealth Financial and bogus name NE CRDTCOL. I am informing CFPB just to make you aware of this fraud on their part. I have also written to all credit reporting agencies to check the original debtors on the reports and submit them to me to t urn over to the attorney involved. I have had enough and was informed of steps to take against these debt collection agency agencies. This debt happened back in XXXX and is just now being placed on my credit report. The real issue is it was paid and my insurance company will have records as well as the original debtor. I intend to sue Commonwealth financial and this bogus name NECRDTCOL to the fullest extent of the law.
Consumer complaint received 2015-11-13
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY (NJ)

Dear Sir/Madam, Recently, I encountered a situation where a check that was written to a party ( who was a family member ) did a mobile deposit and in person deposit twice w/ XXXX XXXX XXXX . This was a mistake ( human error ). 
Once the person found out that this was a mistake, he informed his bank - XXXX XXXX XXXX in CA. 
The bank told the person that it will be taken care of and it will not be submitted. The reality was otherwise. 
While my bank - TD Bank accepted the check again withdrew money again from my account. I was told that there are XXXX separate processing XXXX for mobile deposit and other is for in person bank deposit. 
When I questioned my bank what precautions are you taking if I were to write a check to a party that could be substantial amount and that party decides ( because of this loop hole ) to deposit a check multiple times, my bank will withdraw money from my account as many times as the person who tried to deposit. My bank ( TD Bank ) had no answer and there is nothing in their system to detect this scenario. 
My request to Federal agencies is to mandate and provide guidelines to all banks here in US for all US depositors to be protected against above scenario which is highly likely when it comes to fraud.
Consumer complaint received 2016-02-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I believe they over charge on my bill statement ... I pay every month but they still charge me for late charge ... I paid extra for my insurance every month but now they still bill me .... 
My payment used to $ XXXX/month ... .now I have to paid $ XXXX/month just for extra insurance, but i 'm ok with that until now ..they just sent me a note of default and intent to accelerate {$2100.00} have to due before XXXX XXXX 2016 .... I do n't know what that for?
Consumer complaint received 2017-02-18
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Paramount Recovery Systems, L.P. (TX)

I pulled my credit report for XXXX and XXXX. Paramount Recovery Systems located at XXXX XXXX XXXX XXXX Texas XXXX number XXXX is on my credit report twice for the same Creditor which is XXXX XXXX XXXX for the same amount. I need one of these entries to be removed because it is a duplicate and this is affecting my credit. I need for XXXX and XXXX to removed one of these entries and I do not need for it to affect my credit score any worse than it already is.
Consumer complaint received 2015-06-15
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (NY)

Finally a credit dispute with chase bank amazon credit card is now done thanks to " cfpb ''. They have reversed all late charges and credited all fees etc. Their mistake now has dropped my credit score from excellent to good and has cost me an additional {$120.00} on my homeowners insurance policy renewal. This is ridiculous all over their initial mistake. Chase vowed to repair my credit score and withdraw the late payment " dings '' on my credit score, but again their shady business practices have left my perfect credit score ruined. These fraudulent business practices by chase XXXX of the largest banks in the country are getting old and they need to be held accountable. I demand my credit score be prepared and also demand proof that it has been corrected.
Consumer complaint received 2017-02-12
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Harpeth Financial Services, LLC (TN)

I took out a flex loan XX/XX/2016 shortly after the loan was taken out my child was XXXX and I became late on all my bills. I contacted Advance Financial XX/XX/XXXX and again XX/XX/XXXX via telephone and I mailed a letter stating that I was aware of my account being behind and wanted to know if I could settle the account by making smaller payments and I received no response. I started receiving mailing from attorneys because I am being sued not only did they not respond they have now attached attorney fees and other fees. This will for sure force me into bankruptcy.
Consumer complaint received 2015-08-04
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated committed crime not paying
Company: Oracle Financial Group LLC. (FL)

This company has called myself and family members several times stating that I owe a debt with them and if I do not pay immediately they will send a courier with court documents. When I ask for the original loan info they begin getting angry and say that they do not have to give me that and they are going to sue me. I told the caller I will not make any payments without proof of the original debt and I did not know what this was for. The caller then proceeded to tell and use profanity and call me a liar and i will go to jail. My family members have also been contacted by these people with similar interactions
Consumer complaint received 2016-07-12
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (IL)

I do not nor have ever had any account with Chase Bank. For two years running now, I have had credit background checks run against me for new apartment leases, and the same Chase account keeps getting listed as a charge-off. I have zero association with this card and it does not belong on my credit report. The card, ending in XXXX was opened in XXXX and closed in XX/XX/XXXX. I thought it was possible the account belong to my mom because she filed for bankruptcy in XX/XX/XXXX when my father died. I have confirmed with her she has never had an account with Chase ending in -XXXX. Regardless of who 's account this was, I am not associated with it, and this needs to be taken off my credit report. I was not even born when the account was opened. 
This is my second complaint to the CFPB. My first [ Case number : XXXX ] was closed immediately after receiving a response from Chase Bank. Their response was simply " no, we can not help you, '' and I was not given an option to re-login to dispute their response. I had to call CFPB to hear Chase 's response and they provided no details or information about what steps they took to investigate or why they came to their conclusion ( that they could not help me ). I have been in contact with XXXX XXXX at Chase Bank Corporate HQ where he was not able to find the account in question. 
Because I do not know anything about this account other than the limited disclosed info on my credit report, I can not provide information to Chase Bank to help them. I was in contact with XXXX XXXX ( XXXX ) at the Chase Corporate HQ after opening my original CFPB ticket and he could not identify the account. This does not mean the problem has went away, according to their response! I am filing this complaint as one against Chase bank ( XXXX different credit agencies reported the same thing ), but there are n't any options that best describe my complaint.
Consumer complaint received 2015-09-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First Data Corporation (FL)

Merchant ID XXXX # XXXX took what was supposed to be XXXX trial offer for a processor and credit card processing machine. We tried out the products and we suffered a charge-back within the first week of having the machine/processor. The bank called our company and advised us the processing account was closed which was 7 days after we opened the account. Now this company first data is saying we have to pay a four year lease because of the initial paperwork that we signed taking the delivery of this machine. Our salesman told us it was 30 days risk free and now this company wants thousands of dollars for the credit card machine which has been sent back to the company within the first 30 days.
Consumer complaint received 2016-01-09
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY (VA)

I am an account holder for my personal, business and Interest on Lawyer 's Trust Account ( IOLTA ) accounts. In addition, I have a joint account with my husband, XXXX XXXX. My husband also has a separate account and we have XXXX savings account for our children. All of these accounts are with TD Bank. 
I am astonished at how many overdraft fees that have been charged to my accounts. The following fees have been accessed since XXXX of XXXX : Business checking assessed {$18000.00} XXXX Simple Checking assessed {$3100.00} XXXX simple checking assessed {$3700.00} After reviewing all of our accounts, we are outraged at the amount of insufficient funds we have been charged on these accounts. I have numerous times demanded that I be removed from the overdraft protection on all accounts. Several times it was never completed. Finally, in XXXX of XXXX I again asked to be removed from overdraft protection because charges were allowed to go through when funds were not available in the account and I would be charged an overdraft fee for each of those transactions. I was told I was removed only to find out as of today more numerous overdraft charges are still being assessed to my account. When I called today to protest the representative informed me that I was not " fully '' removed from the protection. I demanded an explanation as to why I was n't " fully '' removed on all of my previous attempts. She did n't have an answer and actually hung up on me. 
I have learned from your representatives and from my own research that TD Bank is notorious for running larger amount of transactions first and then running all the lesser amounts so that more transactions can be assessed the overdraft charge of {$35.00} for each transaction. These transactions are usually in the tens of dollars and often as little as a {$1.00} and for each transaction I have been charged {$35.00} in transaction costs, totally over {$25000.00} in overdraft fees. This is outrageous. I can not imagine how TD Bank is permitted with federal oversight to engage in such price gouging. I also can not imagine this has n't received more attention from consumer advocacy groups or even account holders.
Consumer complaint received 2016-07-28
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF THE WEST (CA)

Applied for business loan. As of today it 's a month since it was started. Bank staff works not full day in branch and it delays the process. Finally when all verification cleared ( after Month ) and only loan should be signed bank agent will go on 2 weeks vacation and nobody can finalize the process. My husband is out of business for that reason for more then a month.
Consumer complaint received 2016-04-09
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX XXXX has added herself to my Capitol One Credit card as an authorized user without my knowledge. She is using this card for her daily living expenses, vacation, and cash advance withdrawals. According to the transaction since XXXX XXXX, I have used this credit card by setting up automatic charge to pay for XXXX XXXX XXXX for the amount of $ XXXX monthly. This $ XXXX monthly has been moved to another credit card since the credit card overcharged. In addition, on XX/XX/XXXX and XX/XX/XXXX I charged the amount of {$1400.00} for XXXX for a total of {$4200.00}. However, I have paid it off a couple of days later. On XXXX XXXX, I received a credit adjustment of {$4200.00} due to the fraudulent act of the company. She has used all of this credited amount without my knowledge. XXXX XXXX, XXXX XXXX, and XXXX XXXX, XXXX, she confessed to me what she did and I paid a total {$10000.00} to try to get her out of trouble and she stated she will take care of the debt. However, she did not do what she promised that she will repay me and pay off the credit card debt. Therefore, she added herself as an authorized user, overcharged for her daily living and luxury vacation, cash advances, used my credited amount fraudulently. Capital One refused to take this as a fraud case. They claim that I am responsible for the debt that XXXX has charged. I have been calling Capital One since XX/XX/XXXX. However, the conversations with the representatives are different each time. There are different issues and suggestions stated by the representative. I was told that all I need is to have XXXX signed an admittance letter stating that did used my credit card without my knowledge and will take responsibility for this debt. XXXX stated that she did signed the admittance letter and sent to them. However, Capital One stated that they never suggest the admittance letter and never received it.
Consumer complaint received 2015-05-09
Product: Debt collection — Payday loan
Issue: Communication tactics — Called outside of 8am-9pm
Company: CHECK INTO CASH INC. (AZ)

They are also calling XXXX XXXX XXXX. I have received repeated calls and have received a call today at XXXX with a documented voicemail left at this time. 

The organization is Check Into Cash XXXX XXXX XXXX, they represent a title loan company. 
Customer Service Department:XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX
Consumer complaint received 2016-11-14
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TD BANK US HOLDING COMPANY (NY)

took out loan with td bank. signed up for intellipayment at dealership- they have harassed us about being late when its auto deducted. we finally resolved the issue with them after many complaints. they took what they claim to be 2 week late half payment and made is sign letter stating a FULL payment will be added to end of loan. this is ripping us off of a half a payment but to stop the harassing calls, letters and ruining my credit when I have never paid late we agreed. now over a month later they are claiming again that we are late a month and owe a month plus XXXX $ and late charged. the payment is auto deducted every 2 weeks and have proof of every payment. I will not pay any more than I am required to and it is not fair they are trying to scam all this money from us. it can not be late when it is auto deducted from the bank account every 2 weeks according to the payment schedule. I can provide statements showing this! I want something done about this company- they resolved the issue then came back with the same issue all over again.
Consumer complaint received 2024-06-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services (TN)

My name is XXXX XXXX.I went to XXXX XXXX XXXX from XXXX to XXXX. I was even making a few payments to them. I don't understand why I have to pay anything back when I qualified for Fasfa which is not paid back and I NEVER RECIEVED MONEY OR ANYTHING from them XXXX XXXX or XXXX XXXX XXXX. My fasfa was more than my loans so my fasfa should've took care of the 1 month and 1 month ONLY I was enrolled. NOW THAT I WANT to go to XXXX I can't because of these loans. And both parties keep giving me the runaround to call the other one.
Consumer complaint received 2015-05-20
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am corresponding to you pertaining to an issue regarding my Kohl 's Capital One Card regarding a XXXX 2015, 30 day late payment that was reported to my credit report. 

In early XXXX, I had taken off to visit family out of state. Before embarking on my trip, I had setup auto payments through my XXXX XXXX XXXX XXXX checking account to pay off the Kohl 's account balance for the upcoming payment. 

However XXXX XXXX XXXX XXXX failed to execute the payments to Kohl 's, despite the online confirmation I received from them. I would not find out about the delinquencies until my return home in XXXX, by which time the account was over 30 days late. 

Kohl 's customer service department requested that I sent them documentation from XXXX XXXX XXXX XXXX that proved the errors, as well as statements that show my bank account had more than sufficient funds to cover the balance when I had setup the payment. I went ahead and sent them both these pieces of information. However, inspite of this Kohl 's retorted weeks later claiming this issue would not be resolved since the late was not their fault.
Consumer complaint received 2016-10-05
Product: Credit card — 
Issue: Transaction issue — 
Company: Continental Finance Company, LLC (CT)

Ive attempted to use my credit card ending in XXXX with Continental Finance, however, charges are declined recently and in the past when there is more then enough available credit. This is a fairly new card, I suspect the rep ( s ) I spoke to activate did not in fact activate the card. Its also possible they will not activate card due to a payment being due, I had a previous experience in attempting to order a new card, reps would not order due to a payment being due. I need card activated and or ab ability to make purchases