davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION (CO)

I received an email on XXXX from TIAA saying that my mortgage was not yet paid. I did not have time to deal with it since I was dealing with a death in the family. But on XX/XX/11, I got online to check if payment was made. I make my payments using Epay through my bank, XXXX XXXX XXXX. We were able to confirm that the payment was received and reconciled on XXXX at XXXX. I will attach the receipt. 

When I go online to check my account, it continues to show that I owe my mortgage for XX/XX/XXXX. When I call, they give me automated voice message that says my balance is XXXX so which is it? 

I have tried to contact them using this number - XXXX but there is no option to hold for a rep ; it just takes you to an option to get a 1098 statement. And if you try and press 0 or # or * ( options that usually take you to a rep ), the system hangs up on you. 

This is TIAA Bank and they have always had horrible customer service but now, you can not even get through. How can a large bank get away with treating their clients like this? I am a consumer trying to make sure my payments are made timely and they cant even provide a good phone number to make that happen. These guys just need to be sued and shut down ; they are the worst. This is frustrating!
Consumer complaint received 2021-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: FREEDOM FINANCIAL NETWORK (PA)

I called freedom debt relief to cancel monthly ACH due to me losing my job they said I can't and I can only reduce the Amount and I should be calling them monthly to reduce, I called XX/XX/XXXX to reduce its to {$20.00}, and they confirmed. Today I checked my account they withdrew {$780.00} without my approval, causing an insufficient fee charge of {$30.00} from my bank and another {$35.00} from my mortgage company I had schedule a mortgage payment which bounced. Please I need your help, Freedom Debt Relief has being charging fees for non negotiated settlement and other fees,
Consumer complaint received 2021-05-13
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX, I used my Chase Bank XXXX XXXX card to purchase airline tickets for two people on XXXX ( XXXX ) Airline. 
The tickets were to fly from XXXX to XXXX on XX/XX/XXXX, on to XXXX on XXXX, and from XXXX back to XXXX and XXXX on XX/XX/XXXX ( all on XXXX Airline ). 
The cost of the tickets was {$6300.00} ( {$5200.00} and XXXX Chase XXXX points ). 
XXXX XXXX cancelled our flights on XX/XX/XXXX. We did not cancel our reservations. 
Since XX/XX/XXXX, I have tried to get XXXX or Chase to refund our money and our Chase XXXX points. 
XXXX does not answer their telephone. 
Since XXXX  Airline did not provide any service for our {$6300.00}, I believe that I am entitled to a refund of my money. 
If I made an online purchase of a TV from XXXX but they delivered no product, my understanding is that Chase would contact XXXX XXXX, inquire if they delivered the purchased TV and, if XXXX could not show that they had delivered it, Chase would credit my account. 
In this case with XXXX, Chase has contacted TAP and has confirmed that TAP did not provide any service for our {$6300.00}. 
However, rather than provide a credit to my Chase XXXX account, Chase has reported to me that XXXX  has 'turned off ' Chase 's ability to credit my account. Chase periodically sends me an email which informs me that XXXX has not authorized the refund of the dollars due to me. 
Even though Chase Bank is in complete control of the Chase XXXX Points that were used to buy the XXXX tickets, Chase has also declined to reimburse me any XXXX Points. 
I do not understand why Chase has not treated this situation as it is : a merchant that has not provided a service that was purchased using Chase 's Visa card. 
At XXXX time, Chase informed me that XXXX offered a voucher for travel that could be used only in calendar year XXXX. The 'offer ' was later extended through XX/XX/XXXX. However, XXXX did not allow Americans to enter XXXX at these times. 
Since I believe that I am entitled to a return of the money I spent on the tickets that XXXX cancelled, I have declined all offers of vouchers for a future 'service. ' I have been forced to be a creditor to XXXX XXXX but with no agreement by them to ever reimburse me. I believe that I am entitled to an immediate refund of my money and Chase XXXX points. Please assist me in getting Chase to return my money.
Consumer complaint received 2021-05-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC. (OR)

I've been investing with Robinhood and I recently sold my stocks so I could withdraw the earnings and put them towards a new car. I did this on XX/XX/XXXX. Now it is XX/XX/XXXX and they are still not letting me withdraw my money. They just tell me my account is restricted from withdrawals. This is insane. I've emailed them dozens of times, messaged them on XXXX, XXXX, etc. The funds have already settled, they just won't release the money. Please help stop this app, this is an incredible scam.
Consumer complaint received 2021-05-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BBVA FINANCIAL CORPORATION (GA)

BBVA has had website technical issues for 5 days now. I am a Simple customer who needed to transfer to BBVA since Simple closed down. I activated my account with BBVA, I tried to log in after doing so and the website says that my login was unsuccessful. I tried to reset my password ( even tho I know my credentials are correct ) and the website then says there was an error. I can not view my balance, transfer money, deposit a check or anything because I can not get into my account. I tried calling the BBVAS customer service and the call just keeps getting disconnected randomly. I tried calling a local branch but bc I am a Simple customer, they are not able to transfer any money for me like I need them to.
Consumer complaint received 2021-05-12
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (TX)

We were gifted a Vanilla Gift card for {$500.00} purchased at XXXX. The first time we used it, it had just XXXX cents on the card.

We have talked to the Manager and corporate at XXXX without any results. 
We have filed a case with Vanilla card and they came back after about 2 months saying case is closed. 
RE : Vanilla Product Ticket XXXX Dear Cardholder, This letter is to inform you that we have completed our investigation regarding the referenced ticket above.

After reviewing your account, we have verified that your card was present during the time of the purchase ( s ). Under the Network Regulations, we do not have recovery rights to file a claim.

Your dispute is no longer under review. With the denial of this dispute, we consider this matter closed.

If you have any questions, please contact the Resolution Team at XXXX.
Consumer complaint received 2022-12-04
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: Experian Information Solutions Inc. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-05-12
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Earm LLC (TX)

I have received several phone calls via a robo dialer to my cell phone since the beginning of XXXX from a company called MAC from several different phone numbers. One representative, who called at XXXX XXXX on XX/XX/2021, stated his name was XXXX XXXX on voicemail and said that if I do not respond then " they will turn my case over to the county where is reside. '' He is not the only one that has left me these types of voicemails. I also received a call from someone named XXXX saying the same thing on XX/XX/2021. The number I was told to contact them at is XXXX. Not only is this threatening, this is also pre texting ... they are using scare tactics to force a debt to be payed, and I insist that actions get taken against this debt collector, so they won't use these illegal tactics against someone else. I have saved all voicemails if they are needed.
Consumer complaint received 2021-05-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Absolute Recovery Services, LLC (TN)

I contacted Absolute Recovery Services in XX/XX/XXXX in regards to a letter that I received concerning an alleged debt that was owed to XXXX XXXX XXXX in the amount of {$1100.00}. I requested a copy of all documents that were submitted as of this alleged debt and I reviewed the information that was inaccurate. They stated that I breached my lease agreement, caused damage to property and I owed rent for XX/XX/XXXX. This is inaccurate and incorrect information and I sent a copy of the XXXX Police Department report to support the alleged damage claims to ARS in XXXX of XXXX along with rental receipt for the last month of rent which was XX/XX/XXXX. However, they stated that they had an obligation to their clients and that the only way that this could be resolved is that I pay the debt. I do not agree with paying debts that I do not owe and I firmly believe that it is unfair. I sent in all the documents to the credit bureau after Absolute Recovery Services stated that they could not and would not remove it from my credit file. They were removed from my credit file but ARS reported it again after I disputed the collection. They have a signed copy of the lease that stated the expiration date of XX/XX/XXXX, the have a copy of the police report that states the damage was vandalism, and the rent receipt for the last month of rent. The ledger and the move out statement was also enclosed as their proof but it is not a legally binding contract and by law can not serve as one by law. They violated the FCRA by reporting inaccurate and incorrect information to my XXXX, XXXX  and XXXX  credit report not once but twice XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2021-05-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION (CO)

Hello, I am reaching out in regards to a " negligent charge '' on my Toyota Financial Account. When I went in to lease a XXXX XXXX XXXX, they had me sign a legal document stating what my payments would be for the 3 year lease. I guess over the course of that time, they raised the tax amount by {$2.00} and did not inform either by email, phone or text of these changes. I was set up on auto pay for the whole duration of this increase, and they never even reached out to me. It was only after 12 months of negligent payments ( which my actual payments were always on time and NEVER late ) that I had an extra charge of ~ {$25.00} dollars and my score dropped by 100 points. Up until then, I was working on my credit score because of past financial issues. I have been paying on time for almost all my bills for about 3 years, so seeing my score drop once again due to XXXX dollars was quite the devastating blow for me. 
I tried to reach out the Toyota because this is directly their fault. They said they would be able to get it all cleared up for me since they realized it was, in fact, their fault. When I checked back with them, they deemed it a fair charge, even though it did not match the actual numbers given to me on a legal-binding contract. Now I am reaching out to you all, because I am honestly trying to buy a home. My credit score is so vital for that, and with my score dropping from XXXX to XXXX, I need to get this cleared up. 

Thank you so much for listening, I really hope we can get this figured out. As I said, I really am trying my hardest to have the best credit score possible. If you need any more information at all, please feel free to reach out to me whenever. 

Thank you again, XXXX
Consumer complaint received 2021-05-12
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 — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In 2018 I bought a engine, I tried it at the place the item did not work, the owner told me He will check for another one which he could not find a good one ; I left the item, the same week I tried to fix the problem with Bank of America, they fixed the problem I got the refund and later on the charged me the same amount on the purchase {$960.00}. Since then I have to pay for a item I did not take or use. This year I find out about XXXX  I disputed it but the Problem still exist the could not fix the problem. Now I found the receipt I would like to use the evidence. It not fair to pay for something I did not take or use.
Consumer complaint received 2021-05-12
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

OnXX/XX/2021 Bank Of America closed my account and I was no longer able to access my money. It was determined that that there was an outside agency ( FBI ) who had a seizure warrant. However on aboutXX/XX/21 the FBI reversed the seizure and BOA is still refusing to give me my money back. They are claiming that it is in a harm hold status and I have hit a brick wall as it relates to speaking with anyone about my money. I had {$89000.00} taken from my XXXX XXXX Savings account and {$640.00} taken from my XXXX XXXX  Checking account. OnXX/XX/XXXXI received a letter from BOA stating that they have close my account and at this time, any remaining balance wont be returned to you as per their term in their deposit agreement. The stated that they have frozen the funds while they review transactions and validate the source of the fund. After this I received new statements from each account with XXXX balances. Since this time I have not been permitted to talk with anyone in the harm hold department. I can not get past the client protection department. I have made 10 calls only to be told that rep will email the harm hold department and I never hear anything back.
Consumer complaint received 2021-05-12
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NV)

WELLS FARGO ACQUIRED BY MORTGAGE FROM XXXX XXXX ( XXXX XXXX / XXXX XXXX ) MORTGAGE START XXXX SELECT HISTORY : 1 ) AS THE WHOLE WORLD KNOWS WELLS FARGO FALSIFIED A SCAM ' OF MILLIONS OF ACCOUNTS THAT DID NOT EXIST. FINE NO IMPRISONMENT. 
2 ) ON OR ABOUT XXXX WELLS FARGO AFTER PRESSURE FROMMAYOR XXXX PUT ON A REAL ESTATE PROGRAM @ THE FORMER XXXX XXXX XXXX XXXX. A MR. XXXX TOLD ME I WAS APPROVED FOR A PRE-APPROVED LETTER. HE THEN DISAPPEARED. WELLS FARGO SHUTTLE MY EFFORTS TO GO FORWARD 3 ) WELLS FARGO IN XXXX IVITED ME TO A REAL ESTATE PROGRAM & TOP EXECUTIVES TOLD ME I WAS APPROVED FOR THE SAME & THAT THEY WOULD GET APPROVED TO APPROVE A CONDO SALE @ XXXX XXXX XXXX  THEY FAILED CLOSING DATES & I LOST MY EARNEST MONEY THEY LATER SAID THEY COULD NOT GET APPROVED OF THE CONDO UNDER XXXX XXXX. 
4 ) PRIOR TO SWITCHING TO XXXX WELLS FARGO SAID THEY COULD APPROVE & CLOSE WHERE I RESIDE NOW. THEY FAILED XXXX STEPPED IN & CLOSED. 
5 ) WELLS FARGO AFTER BUYING MY MORTGAGE NOTIFIED OF DEFICIENCIES & INCREASED BY MORTGAGE OVER {$60.00} A MONTH. 
AN EXPERT STATED THAT THERE ARE NO DEFICIENCIES. 
WITH WELLS COMBINED FRAUD - / LOSS OF EARNEST MONEY & NOW SCAM I BELIEVE THAT FEDERAL REGULATORS SHOULD STEP IN & REVERSE THIS SCAM!
Consumer complaint received 2024-08-22
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: EQUIFAX, INC. (OR)

My consumer report contains accounts linked to identity theft, which I never authorized in writing or with a wet signature. I recently contacted your organization about this issue and am now formally requesting the immediate blocking and removal of these accounts from my report. Their presence has caused me significant emotional and financial distress, as they misrepresent my credit history and responsibilities. If this matter is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items have impeded my ability to achieve important financial goals, such as purchasing a home and meeting my family 's needs.
Consumer complaint received 2021-05-12
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: EQUIFAX, INC. (TX)

I had a legal name change in XX/XX/XXXX. Ever since, Equifax stopped updating my accounts and credit score. Finally, Equifax managed to correct my name and address in the system on XX/XX/XXXX. So from XX/XX/XXXX to present, there is no credit history being recorded with Equifax. My credit score went from XXXX in XX/XX/XXXX to XXXX in XX/XX/XXXX. This is not an issue with Transition and Experian as they have the latest accounts and credit score. 

I currently have a mortgage application and when the lender tried to pull in my credit file with Equifax, they did not get a credit score and was told their system is seeing me as a new person. They failed to link my past and present accounts. As a result, I stand to lose my dream home and close to {$11000.00} in option fees and earnest money. 

Even Equifax 's website says changing the name will not change credit history and credit score. I repeatedly called their customer service only to be hung up on or don't have enough information or resolve this issue. 

I am at a standstill and turning to CFPB to help me in this situation.
Consumer complaint received 2021-05-12
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Grievance Complaints : Internal Fraud Schemes for Unsubstantiated Maintenance Fees {$8.00}. XXXX  XXXX XXXX XXXX  who informed I have 6 FREE Transfers from Savings Account per month. Tactics to tranfer you to a different Department to not be held Accountable for Fraudulent Maintenance Fee. RICO Racketeering Corruption and XXXX Schemes. 

2. I asked how many times I Transferred in XX/XX/2021? XXXX " Only 1 time. " I asked HOW many times in XX/XX/2021? XXXX replied, " 4 times. '' Then I asked, WHY was I charged a Services Fee on {$8.00} on XX/XX/XXXX? She said, " You must maintain a certain Balance in Savings Account to not be charged. '' I informed I only used 4 out of 6 Free Transferred, so why was I wrongful charged {$8.00} Maintenance FeeWhat does my Balance has to be She looked but could not find nor provide an answer. Then she told me she needed to speak to a different Department please hold. This went on about 10 to 15 minutes. She finally returned to tell me she still has no answer and that the systems are down. Then she told me she would have to Transfer me to a nother Department. I asked What Department is that? She said, Credit Card. I asked Why when it's my Savings Account XXXX said it ALL THE SAME, your Debit Card with Master Card is the same as Credit Card with Master Card. I had no choice but to let her tranfer me to CCD. I asked XXXX did she send Notice WHY I was being Transferred to her CC Department so that I would not have to re-explain everything we discussed? XXXX said Yes and then made Transfer to Credit Card Department. 
2. Transfer to CCD SW XXXXfr XXXX who answered and Asked What I can Help you with since I am waiting for your information to come up. I told her. Then she told me I know you were transferred to me ; but I have to TF to Deposit Department. 
3. Deposit Holding Department automotive could not Service and disconnected me.
Consumer complaint received 2021-05-12
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: EQUIFAX, INC. (SC)

Good Day, This is my second time to report all three credit bureau 's .I have disputed these items over many times already and they still remain. so I'm reaching out because I tried formally disputing inaccurate and incorrect information that was reporting on my personal credit file. I feel like I'm being taken advantage of and being ignored of my disputes.
Consumer complaint received 2021-05-12
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: Navient Solutions, LLC. (NJ)

I DID NOT CONSENT NOR AUTHORIZE THE FURNISHING OF MY CONSUMER REPORT AS A FEDERALLY PROTECTED CONSUMER ACCORDING TO:
FCRA 15 USC -
1681b(a)(2)
1681d(a)(1)(A)(B)
1681e(a)(b)(c)(e)
FDCPA 15 USC-
1692e(a)(b)
Consumer complaint received 2021-05-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: ARVEST BANK GROUP, INC. (AR)

I apply for a PPP loan with Arvest bank and they make me waste my time and never get the second PPP loan due to their negligence in submitting my application. now they just sent me an email saying that sba run out of money for this loans.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ERC (UT)

Enhanced Recovery is reporting an old account on my credit file that I would like removed. I have settled the debt with them and ask that this account is removed from my credit file. Under the FDCPA, I have the right to dispute this account. I am aware that your company has the ability to remove any account since you are the original furnisher. I have settled the debt with you and am now asking you to provide a letter to the bureaus stating this account should be removed from my credit file. If I do not receive your postmarked response in 30 days, I will have no alternative but to exercise whatever rights and remedies we have under the law to enforce the removal, including but not limited to institution of legal proceedings against you.