davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-03
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (CA)

( 1 ) I have been a long time customer of Chase and have both a checking and savings account. 
( 2 ) In XXXX I received an email from Chase offering me a {$2000.00} bonus if I opened a brokerage account and deposited {$250000.00}. 
( 3 ) I moved funds from my XXXX account in order to receive the bonus. 
( 4 ) I went into my Chase branch in order to sign up for the bonus and the representative insisted that I open a second checking account in addition to opening the brokerage account. I did not want to open the second checking account since my original checking account is not only linked to one of my employers for direct deposit, but also tied to several external investment accounts so it is not something I can readily change. 
( 5 ) The representative assured me the opening of the second checking account was just a formality.

( 6 ) I was eligible to receive the bonus after 40 days and on XX/XX/2023, I received an email from Chase stating me that I had satisfied the requirements for the bonus and that the money would be deposited into my checking account. 
( 7 ) The {$2000.00} bonus never showed up in my account. 
( 8 ) Chase claims that they deposited the {$2000.00} into the second checking account, however, Chase had closed the second checking account on XX/XX/2023, without any notice to me. 
( 9 ) Chases position is that it deposited the bonus into a closed account.

( 10 ) Chase can not provide any explanation as to why it did not simply deposit the bonus into my long standing active checking account.

( 11 ) It has now been over 2 weeks and still no resolution from Chase.

( 12 ) This appears to be a classic bait & switch scheme.
Consumer complaint received 2024-08-19
Product: Credit reporting 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. (SC)

I was astounded and disheartened to discover that credit inquiries were being conducted without my consent. I have attempted to obtain the following information from the creditors ; however, they have neglected to respond. Details of the Inquiry : Request that the creditor furnish specific information regarding the inquiry, including the date of its initiation, the purpose of the inquiry, and the credit product or service that is associated with it. Application Documentation : Obtain copies of any credit applications or other documents that are pertinent to the inquiry. This may encompass disclosures, agreements, or application forms that you would have completed or received during the credit application process. Documentation of Authorization : Request that the creditor furnish evidence of your authorization for the inquiry. This may encompass signed consent forms, agreements, or disclosures that serve as evidence that you authorized the creditor to access your credit report. Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. The documentation of your interactions with the creditor may encompass emails, letters, or notes. Internal Records : Request that the creditor furnish internal records or notes in connection with the inquiry, including any decision-making processes or rationales for initiating the inquiry. Identity Verification : Prior to commencing the inquiry, request that the creditor implement verification procedures to verify your identity in the event that identity theft is a concern. This may involve the verification of personal information or identity documents submitted during the application procedure. Documentation of Compliance : Inquire about the creditor 's adherence to pertinent laws and regulations that govern credit inquiries, including the Equal Credit Opportunity Act ( ECOA ) and the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello, My name is XXXX XXXX and I'm placing a complaint regarding improper use of my credit report as follows : According to the Fair Credit Reporting Act 15 USC1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

TransUnion LLC and XXXX are reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

" ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates.

" According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Consumer complaint received 2017-01-04
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: ENCORE CAPITAL GROUP INC. (TN)

Midland Funding LLC hired XXXX, XXXX, XXXX XXXX XXXX to serve me with a Civil Warrant on a credit card debt that is over 8 years old. Now we have a court date set for XX/XX/2017.
Consumer complaint received 2023-11-04
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: Experian Information Solutions Inc. (CO)

I have filed multiple disputes with experian, even as recently as XX/XX/2023. I have tried multiple times to have my account updated in regards to XXXX finance. A XX/XX/2023 late payment that was to be removed is still reflecting on experians website. Between XXXX and Experian the leep reporting the information is correct even though it is not an Experian has verified through the CFPB website the late payment with XXXX was to be removed.
Consumer complaint received 2023-11-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (GA)

I was the XXXX website and I ended up getting ripped off by different scammers posing to be legitimate sellers on that platform. The first company name XXXX XXXX XXXX XXXX XXXX XXXX, they got me for {$2700.00} XX/XX/2023 and the second was XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX they got me out of {$3100.00} XX/XX/2023. I filed a dispute with the website and they gave me a 2 month run around not being able to retrieve my money back so I contacted the XXXX XXXX XXXX for help and Im currently waiting for an update from them now.
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (FL)

This account was oppen sometime earlier this year. It took about 3 or 4 months for me to catch it. I immediately contacted Discover. They notified whomever opened the account and I assume could not make contact. The account was closed immediately do to not being able to actually ID THE person who opened the account. Discover deemed they had not enough proof of if identity and shut it down. This was removed from my XXXX  and XXXX reports. For some reason I'm getting a lot of trouble removing it from XXXX. The account was literally closed by Discover for not being able to identify the owner. MORE PROOF IT WAS NOT ME THAT OPENED THIS. THIS NEEDS to please be removed until Discover can provide actually proof of ownership.
Consumer complaint received 2016-11-04
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I applied online for a credit card thru Bank of America was 0 % interest. I th I thought it was for a special promotion for more than a year. I called the bank and asked for the contract. They sent me something else with a later saying this is best imformation we have with a number. I called number and it was wrong number to call, finally I had to call the number on my credit card and rep said that was business account number and my account an individual account. He then stated he was sorry but the rep sent me the wrong paper work. He said he would send the contract I signed. It was terms and conditions and I do n't see anywhere one there saying it was for one year! If I did that 's fine I will abide to it. I just saying I thought it was 16 or 18 months.I asked if they would lower my interest rates even they would n't do nothing for me..i been a long time customer of Bank of America and a XXXX.
Consumer complaint received 2016-06-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America ( who gave me a mortgage loan 2.5 years ago ) keeps sending refinance offers with outrageous claims about saving money. 
Their claim : Refinance at a slightly lower rate and save {$4300.00} per year. 
They fail to mention that the extended term on the new loan will increase the total of payments by {$10000.00} under the terms of this advertised refinance offer. It completely fails, in every respect, to make a honest attempt to save me money. In the fine print there 's a statement : " ... you should carefully consider the potential increase in the total number of monthly payments and/or the total interest charges paid over the full term of the new refinance loan - especially for borrowers who currently have loans with terms less than 30 years. '' This is essentially everyone and is an obvious legal maneuver to avoid responsibility for this ridiculous offer.
Consumer complaint received 2015-04-22
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (FL)

On XXXX XXXX, 2015 at around XXXX, I visited the branch at XXXX XXXX XXXX, XXXX XXXX, FL XXXX, to purchase euros. I used a credit card after being assured XXXX by the teller that it would process as a charge and not a cash advance. I told him that I would pay cash if it processed as a cash advance because I did n't want to pay the cash advance fees. I looked at my account online a few days later and discovered it had been processed as a cash advance. I was finally able to speak with the branch manager, XXXX XXXX. She took my information and told me she would get back to me. She called two days later and left a voice mail to call her with no further information. I have since left a voice mail XXXX on her direct number XXXX, but have not had the courtesy of a return call.
Consumer complaint received 2015-06-08
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (NJ)

I am XXXX years old and graduated from XXXX XXXX University in XXXX of 2011. I have been struggling with student loans since I graduated. I had to move back home in order to pay the extremely high monthly payment. I have cut every cost possible, I even avoid going to the doctor or dentist if at all possible. There are no other costs to be cut except for gas and food and I need to eat and I need to drive to work. My car recently broke down and was unable to make all of the payments on it because my student loans cost so much. I have called Navient multiple times trying to resolve this issuing stressing my financial hardship. How when my car breaks I ca n't afford to fix it, when I 'm sick I ca n't afford to go to the doctor ... it 's no way to live. They offer to " help '' me with an interest only payment plan or extending my loan another XXXX years so that way I can pay even more money on my XXXX, XXXX, 11 % interest loans. I declined these offers to " help '' because they are no help at all. I stress the fact that I want to remain a good borrower but I am unable to live life and fix my car let alone go to the doctor for my own health because I can not afford it. I was lied to by being told I have to be late with payments to be eligible to lower my interest rates. Then when I asked multiple different representatives what hardships one who qualifies for the reduced rate program must face I was never given a response and told they can not discuss that with me. As I cried countless times on the phone and asked to speak to someone who can help me and not talk down to me as if I was an idiot I was either given nasty responses or hung up on. I can not go on like this. I want to work with my lenders but they are refusing to work with me and at the very least treat me like a person.
Consumer complaint received 2017-01-04
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

Credit line availability increase request - On XXXX/XXXX/XXXX, I requested Bank of America evaluate my current credit availability on my credit card for a potential increase in limit. I submitted a simple form online which asked for basic info like annual income. During the process, I was not asked for Bank of America 's authorization to make a hard inquiry on my credit. However, the credit line increase request resulted in a hard inquiry which had a negative impact on my credit score. 
- On XXXX/XXXX/XXXX, I called Bank of America to request that they provide me with the documentation which supported my authorization of them to pull my credit report. The representative told me that they didnt need my authorization to make a hard inquiry on my credit report.
Consumer complaint received 2017-02-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In XX/XX/2015, I terminated a lease early with XXXX XXXX XXXX in XXXX XXXX, FL. The lease stipulated if the lease was terminated early that I had to pay 2 months rent at termination. I went to my bank and got a money order for the amount that was due less my Security Deposit. I withdrew {$1400.00} from my XXXX XXXX XXXX account and used {$220.00} in cash I had on me to get the money order. I gave it to the XXXX XXXX one of the property managers. She gave me a release that showed no further money was due. In XX/XX/2015, I received a notice from XXXX saying I owed {$1600.00}. I immediately disputed this with XXXX and contacted XXXX at XXXX XXXX who denied receiving the funds and had no explanation as to why they never contacted me before turning me over to collections. I have disputed this with XXXX and both Transunion and XXXX to no avail. I have hired an attorney who sent demand letters which were met by legal threats against me. This has cost me a job and hurt my ability to obtain credit. I just want this incorrect information removed from my credit report.
Consumer complaint received 2015-05-10
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

We refinanced our home in XXXX. We were taken advantage of by predatory lending.We did not receive a Good Faith Estimate. Banking and Finance in Georgia informed me that the mortgage lender did not have a license to do business in Georgia at the time of our closing. The mortgage lender license expired XXXX XXXX, 2008.
Consumer complaint received 2015-07-22
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ME)

I went through a short sale process and was denied relocation assistance due to home appraisal saying that it was tenanat occupied and also a check mark saying I refused assistance. The question on the request for mortgage assistance was very vague. I was told that I could get assistance by phone but once the closing happened they refused. They continue to deny me the assistance even though I never saw any of paper work until after closing.
Consumer complaint received 2016-02-03
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I called to make a payment on my credit card while driving to work.I was using the hands free option on my cell phone and kept asking to speak to a representative. I got a customer service representative who was quite rude, refused to take my payment and transferred me to the fraud department. The fraud rep ( male ) also refused to take my payment, and, despite me verifying every piece of information on the account, stated that he would have to call me back to take my payment. I told him I did not want any inbound calls from them to my cell phone as I did not know them personally and to transfer me to someone who could process my payment. He transfered me to XXXX, who told me that because I volunteered the security information on the account I was suspect and she tehn refused to take my payment. At this point they had wasted 40 minutes of my day, deeply offended me by treating me like I was a criminal for trying to pay my bill, and refused my payment. XXXX also stated that she would call me and process the payment, again, I was clear in stating that they should not call me. As I was on hold for the 3rd or 4th time during the call, I reached my destination. I then hung up so that i could call back and make my payment through the automated system, as I could key in all the information. As I was doing this, XXXX chose to call my cell phone, despite my vehement directives previously that they were not to call my cell phone. After I processed the payment, I called in to the customer service department to make a complaint.
Consumer complaint received 2017-03-17
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

explain why in the heck captiol One refuse to redo the math for the hardship program that they put me in- meaning they are telling me that it will take me 60 months to pay off a loan {$1500.00} at a 7.4 % at {$42.00} a month The company refuse to tell me how they got their math- this is their response " its whatever the computer say '' XXXX - my math says at {$42.00} a month at 7.4 % it will take 48 months NOT 60 months ... .but you see capitol one refuse to listen- just to let you know I spoke to the office of the president staff and even email the CEO- of course this is something he does n't give a XXXX about. You as a so call consumer financial protection what are you going to do about it that captiol one 's math is wrong and are you condoing that its OK for them to collect more money when they are not suppose to? I want answers!
Consumer complaint received 2017-01-21
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (OH)

Was trying to make payments but they wanted more and I could n't afford it. So they suggested I put it in forbearance. I did n't want to do that so I was paying a little bit each month just to keep it on good standings on my credit. Go to look at my statements and none of my payments or anything have been applied to my account so where is my money. Get a email and they want to raise my payments even more. Your ca n't even tell me where my money has been posting if at all for the last 8 months. I took my bank card off my account so they ca n't take anything else out automatically until I figure out what 's going on with my account. I still do n't understand how I took out a XXXX loan back in XXXX being a single mom and everything and it has somehow gone to XXXX loans. I got XXXX paid off but XXXX more high ones. More than XXXX. This company and XXXX XXXX were robbing people. And refusing to work with them. People ca n't afford XXXX a month and you guys wanted to raise my payments I ca n't afford that but was willing to pay something and was paying it and it has n't even showneed up on my account
Consumer complaint received 2015-11-10
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch (MD)

This is my 3rd complaint against this same " mortgage company '' I 've been trying to get this mortgage to honor the agreement that I had with XXXX XXXX XXXX for 2 years now. I mailed a certified letter on XX/XX/XXXX signed on XX/XX/XXXX to BSI Financial for the following documents to be sent to me. As of XXXX. I have not received ANY documents. The documents that I requested were my Hud-1 Settlement Statement, Copy of the Promissory Note, Deed of Trust, XXXX Uniform Loan Application, Truth in Lending Disclosure, Good Faith Estimate, Copy of XXXX ( XX/XX/XXXX ) ; Copy of tax credit, Copy of PMI/Title Policy. If this company is a legitimate company providing the requested documents should n't be a problem.