davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (VA)

I am writing to file a formal complaint against American Express regarding the wrongful deduction of promotional points from my Membership Rewards account without providing a valid reason or proper explanation. Despite my attempts to resolve this issue with American Express directly, their customer service representatives have been unhelpful and have claimed that they are unable to assist me. 

On XX/XX/2023, I received an email notification from American Express informing me that they had made adjustments to my Membership Rewards account. The email vaguely stated, " We've adjusted some points on your Membership Rewards account, '' and went on to mention that the adjustment was made due to activity that allegedly violated the terms and conditions of the Membership Rewards program or the promotional offer through which the points were earned.

The email failed to specify which terms and conditions I may have violated, leaving me completely unaware of the alleged discrepancy. Furthermore, American Express used uncertain language, stating that the points " may have been earned or used '' in a manner contrary to the terms and conditions. This lack of clarity and specificity is deeply concerning and raises doubts about the legitimacy of their actions. 

To my disbelief, American Express deducted XXXX points from my account, which holds a minimum value to me of {$1100.00}. These points were acquired through a legitimate promotional offer, and I have diligently adhered to the terms and conditions outlined by American Express. Therefore, I strongly believe that the deduction of these points is unjustified and constitutes a breach of our contractual agreement. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and intervene on my behalf. I expect American Express to provide a detailed explanation as to why my points were taken away and present evidence supporting their claim. Furthermore, I demand the immediate reinstatement of the wrongfully deducted XXXX points to my Membership Rewards account. 

I trust that the Consumer Financial Protection Bureau will take my complaint seriously and work towards a swift resolution of this issue. American Express 's lack of transparency and failure to provide a valid reason for the deduction of my points is both frustrating and distressing. I am confident that with your assistance, justice will be served, and my rights as a consumer will be protected. 

Thank you for your attention to this matter. I eagerly await your prompt action and a favorable resolution.
Consumer complaint received 2018-01-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (TN)

I applied as a renter for a home and noticed on my credit report that I had one account in collections. My report states I had a debt of {$300.00} opened onXX/XX/XXXXto Franklin Col and the account was closed on XX/XX/XXXX. Remarks state paid collection, original creditor : 10 XXXX XXXX

During that time, my husband and I were XXXX in XXXX XXXX with the United States XXXX I did not receive any information from XXXX XXXX XXXX or Franklin Col about having an overdue account. I moved to XXXX XX/XX/XXXX and had paid all of my accounts prior to our move.

When we moved back to the United States XX/XX/XXXX, I reopened a new XXXX XXXX XXXX account and had no issues for flags stating I had an overdue account with them.
Consumer complaint received 2023-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Paypal Holdings, Inc (UT)

Attached please see an email just received from an unknown source claiming it is a PAYPAL service email. I DO NOT have a Pay Pal account in my name or using this email address, which is my business email address ( Utah ) This came from : XXXX XXXX XXXX XXXX Inbox Search for all messages with label Inbox Remove label Inbox from this conversation Application usability # XXXX XXXX XXXX ( 2 hours ago ) to me XXXX One attachment Scanned by XXXX XXXX XXXX  : Application usability # XXXX XXXX to : XXXX date : XX/XX/2023, XXXX subject : XXXX XXXX XXXX XXXX mailed-by : XXXX signed-by : XXXX security : Standard encryption ( TLS ) Learn more It was about an order which I did not place : BILL # TO lncoice Number lnvoice Total XXXX XXXX {$2900.00} dear Member, Your payment settlement # Need # assistance? # : Dial us # 0rder # Summery # Item Qty Amount XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2900.00} Total {$2900.00} Payment verified Your order is now in queue for shipment If you have any queries regarding your order please call our customer service line at : XXXX I DO NOT WANT A PAYPAL CARD AND HAV ENOT REQUESTED ONE PLEASE REMOVE THE INITIAL INVESTIGATION REASON TO FRAUD ALERT ONLY
Consumer complaint received 2018-05-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I received an interest only mortgage for {$580000.00} through XXXX XXXX XXXX in XX/XX/XXXX which was taken over by XXXX XXXX XXXXXXXX. I fell behind in XX/XX/XXXX during the banking crisis as I am also in XXXX XXXX. The loan was modified in XX/XX/XXXX with very bad terms. It was set up for me to have a balance of {$400000.00} owed after 40 years. I asked for a more reasonable mortgage and was told this was all I could get. My alternative was giving up my home. My balance has ballooned since getting the modification. My loan was sold to Nationstar and I completed my second modification with them in XX/XX/XXXX. The new balance is over {$700000.00} and the required monthly payment is over {$5000.00}. I applied for a new modification with Nationstar DBA Mr. Cooper and was declined after four months of waiting. During this time I was advised by Nationstar to not make payments. I am now officially in default and desperately need help. I may have a sale date scheduled of XX/XX/XXXX. I am not certain.
Consumer complaint received 2018-05-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC (MS)

In XX/XX/XXXX I fell on difficult times financially with my employment and my XXXX XXXX XXXX   was overdrawn. XXXX reported me to Early Warning Services , LLC ( EWS ) for mishandling the checking account. Since I was succumbed with debt, I filed Chapter XXXX bankruptcy in XX/XX/XXXX. This bankruptcy was discharged on XX/XX/XXXX. XXXX and EWS were both notified. The account was XXXX out on XX/XX/XXXX as a result of my initial dispute with both companies. However, EWS is still reporting negatively. This is hindering me from opening an account so I disputed once again advising that the debt was discharged by the US Bankruptcy Court and should be removed in XX/XX/XXXX. I was informed that the report is accurate and would remain on file for seven years. I disputed again in XX/XX/XXXX with same outcome. This company is not cooperative and providing inaccurate information about myself.
Consumer complaint received 2023-07-18
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY (CA)

I deposited Cashier check of {$16000.00} deposited into Wells Fargo branch in XXXX on XX/XX/2023 at XXXX XXXX, and was provided with a receipt saying {$400.00} is available immediately, the balance available the next day. However, the next day, XX/XX/2023, when I signed on to my account to buy T-Bill, I received a message saying my cashier check fund is held until XX/XX/2023. Why would cashier 's check ( CASH ) be held like this? I called many different departments from Wells Fargo and I kept getting the run around. The stories kept changing, as well. I am losing interest I could be earning while my money is held up by Wells Fargo. Furthermore, when I asked for my cashier 's check so I can deposit elsewhere if Wells Fargo would not make it available, Wells Fargo refused to give it back to me. In other words, Wells Fargo just took my cash and basically laughed in my face saying there's nothing I can do. This is just unacceptable.
Consumer complaint received 2018-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

Yes I was an account holder with chase then my debit card got stollen I had XXXX in my account then I told chase about it they told me they cant give me a refund and I need my money back to pay my bills someone stole my debit card and withdrawal all my money.
Consumer complaint received 2018-01-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO. (AL)

XXXX XXXX XXXX XXXX I called in to make my car payment via phone due to having to update my banking information Checkings Account Number and Routing .... I was speaking with a rep that was not to fluent in English and continuously kept asking her to repeat my account number back to be to ensure accuracy ; however, she would not she just kept stating she had to correct number due to her frustration. 

In turn, I was docked for being late 2 months in a row due to the bank account number not being found upon the company processing the payment ; however, I was not notified until calling in to process another payment. 

I have disputed this information via the CRAs and with the Chase Executive Relations Department ; however, they are stating that I am responsible for the information the rep inserted even though I clearly asked her multiple time to repeat the account information back to me after multiple attempts. 

I have been a Chase customer for almost 3 years with no lates until experiencing this issue and everytime I try to resolve the issue I am informed they will no longer investigate because the information is correct even though the error was simply due to an error with the customer service rep.
Consumer complaint received 2018-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX is still reporting to all three credit bureaus that I owe a balance.. but the car has been paid off. This is a violation of the FCRA federal law to report incorrect information to the credit bureaus. I am demanding that XXXX XXXX update the information to reflect a XXXX balance. The car was paid off as of XX/XX/XXXX The account information to the credit bureaus was updated on XX/XX/XXXX reflecting that I owe {$14000.00} which isnt correct the pay off amount for the car was {$13000.00} which was paid in full to XXXX XXXX XXXX!
Consumer complaint received 2018-01-02
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NY)

Navient calls me at all hours of the morning starting before XXXX. I have ELEVEN calls to my cell phone before XXXX. This is Harassment! I have put in a request to consolidate my loans that has been received by them as confirmed by email and they continue to harass me constantly. The calls before XXXX are absolute harassment.
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

HERE IS MY REPORT OF IDENTITY THEFT AND FRAUD I would like everything that i have asked for be removed since i have provided the requested information, and they did not have my written permission to furnish my consumer report, and do not have the right to report this unlawful incorrect information. A written consent as of the " FCRA '' I never gave written consent to any of those accounts.
Consumer complaint received 2021-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

May I ask why this account from XXXX XXXX is being reported on 2 CRA 's? 

XXXX last received payment, also see attached report, on XX/XX/XXXX. The account is not negative and is current. In your comment you state was closed by Credit Grantor? So I just dont see why you would want to keep reporting. 

Then for some odd reason, after 7 years mind you, I was making good payments again sometime in XXXX. That's amazing! 

XXXX account Account # : XXXX Equifax account # XXXX
Consumer complaint received 2023-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (AL)

Someone impersonated a Truist bank employee to get our information out of us. They sent us passcode notifications to " verify '' who we were. They even had the Truist bank music playing in the background. She identified herself as XXXX XXXX from XXXX XXXX. Her number was XXXX XXXX supposedly. Over XXXX was taken and spent on transactions that we did not authorize. There was a name of XXXX XXXX that was used to send XXXX payments. ( unauthorized ) All transactions started on our card in XXXX florida. She also made online bank accounts on my husband and I. She was very convincing that she was from the bank. Maybe she had someone helping her or she worked for them before. Calls took place on the weekend when no one is available to help at the bank. dates were XXXX XX/XX/23. Monday morning came and she was still calling to get info out of us. I went to our local branch, and the bankers called her from my cell phone. The lady from XXXX XXXX told them that they were fraud. Truist is refunding our money but wanted to report this so it doesn't happen to someone else.
Consumer complaint received 2018-05-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

In XX/XX/XXXX I received a Notice Of Serving Transfer from my bank XXXX XXXX XXXX. My mortgage was being transferred to Fifth Third Bank. This transfer was to be in effect by XX/XX/XXXX. As of XX/XX/XXXX I have not received any correspondence from Fifth Third Bank about my mortgage. My payment is always due on the XXXX of every month, so I've sent my monthly payment to the original mortgage holder, XXXX XXXX XXXX. They will determine if the payment will be returned to me or forwarded to Firth Third Bank. Fifth Third Bank is in violation by not contacting me with any notice about the transfer before the XX/XX/XXXX Transfer date. Fifth Third is claiming today XX/XX/XXXX that they just got the Transfer Notice from XXXX XXXX XXXX XX/XX/XXXX and are in the process of sending out a Welcome Package. They also claim that they are not responsible for sending out a notice before the transfer occurs.
Consumer complaint received 2023-07-19
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: EQUIFAX, INC. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2018-01-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (MA)

I called NAVIENT regarding the two account ( s ) on which I am co-signer in XX/XX/XXXX. On two occasions I was given different information regarding accrued interest fees and late fees. I made a payment and was advised that all accounts were " up to date '', only to learn that there were still outstanding late fees. This impacts my ability to keep the loans " in good standing '' for other re-payment programs. 
Also, I was deceived into thinking that my daughter would receive a lower interest rate on her loans if I called and updated my personal and financial information. It became clear to me that NAVIENT simply wanted my updated information so that garnishing wages could take place for both me and my daughter, if necessary Customer service made no attempt to reduce her interest rate. 
Our interest rates are " variable '', but there have never been any adjustments in lowering them when the federal interest rates were lowered over the past 7 years. 
Finally, my daughter is now in " interest only '' payments which still allows the high interest rates on the loans to grow exponentially. Her loans have doubled since she took them out.
Consumer complaint received 2018-01-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: OLD NATIONAL BANCORP (IN)

I deposited a check drawn on the same bank into the ATM checking account XX/XX/XXXX. The bank gave me none of the money for immediate use. Now it is XX/XX/XXXX XXXX XXXX and they have still not credited my account. Even though if I physically still had the check, I could walk it right down to the bank and cash or deposit it and get full use of it right this second. So my money right now is lost in the banking system and I have no access to it. What good is the ATM for making deposits if it just going to make it more difficult to gain access to my money. Somethings wrong with this and I have not had any food to eat for over 24 hrs because I ca n't get my money. Please Help
Consumer complaint received 2023-04-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (SC)

I have never received any correspondence or communication from Jefferson Capital I dont have any kind of contracts or accounts with them. Upon further investigation they are a third party debt collector that is not licensed as such in South Carolina. They are listed as a XXXX XXXX  which is defined as this : XXXX XXXX XXXX XXXX XXXX XXXX XXXX strongly suggests a potential applicant submit a detailed business plan as described in the new application checklist. This should be done prior to applying in XXXX to determine the correct licensing jurisdiction. 
Who is required to have this license? 
An entity that is making consumer loans or is taking assignments of and undertaking direct collection of payments from or enforcement of rights against debtors arising from supervised loans. A supervised loan means a consumer loan in which the rate of the loan finance charge exceeds twelve percent per year as determined according to the provisions on the loan finance charge for consumer loans ( Section XXXX XXXX ). 
If a website will be used to take supervised loan applications or process payments electronically for supervised loans, a separate supervised lender website license will be required in addition to the license for the home office. 
A separate application request and fee will be required for each website. 
They are a debt collector company and fall under the -Who does not need this license section : ( a ) Mortgage lender as defined in Section 37-22-110 ( 30 ) ; or ( b ) Retail sales contract. An entity performing retail sales transactions/ contracts is not required to and will not be issued a supervised lenders license. See Title 37 Chapter 2 on the SCCPC.

( c ) Third party debt collectors. Entities that are collecting debts for other lenders.

( d ) Passive debt buyers.
They do not have the appropriate license in my state in addition to no communication from them to me. In addition to the follow 15 U.S. Code 6803 - Disclosure of institution privacy policy ( a ) Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution; and ( 3 ) protecting the nonpublic personal information of consumers.

I do not have an account with nor any contractual obligations to them/with them
Consumer complaint received 2018-05-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (WV)

I continuously made regular monthly payments for years, until I experienced financial difficulties due to enexpected divorce which resulted in relocation and employment change. 

The lender provided options to defer loan payments multiple times, but failed to inform me that interest would continue to build upon the principal. 

When it was time to begin making payments again, I found the principal had more than doubled. 

I've attempted to resolve this matter with the lender with no success and it's become impossible for me to repay the current outstanding amount.
Consumer complaint received 2018-01-02
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: EQUIFAX, INC. (TX)

Hello ive been a victim of identity theft and i recieved my credit report through equifax and i noticed that i have some inquires on my credit report and there are 15 of them i didnt apply for 14 accounts in my name the only inquiry that i apply for is XXXX XXXX on XX/XX/XXXX with a credit line of XXXX I didnt apply for XXXX inquiry date XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX ) XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX i didnt apply for these and i contacted Equifax few times and they open up investigation and send me a letter and didnt do nothing and told me to contact the creditors directly and i did and none of them didnt remove my inquires