davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-01
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (CA)

We have filed claim number XXXX on or about XX/XX/2016 never receiving email containing claim number, details and or affidavit. Requesting refunds of Charges to XXXX for deceptive, abusive, hostile - unsafe conditions including XXXX attack and lock out. 

The attacks were experienced at the XXXX location were actually fueled by Chase 's unfair and discriminate practices of over drawing from my account. Clear violations of Fair Debt Collection Practices Act and liable for willful noncompliance of banking regulations. 
Once the charge was made from XXXX the funds were withdrawn from my account as an authorization. The host would complain within XXXX hours stating she receives her payment from caucasian customers overnight and ours take XXXX days or more ... .. '' Why is that?! '' XXXX days or so later Chase would reconcile our account by moving around deposits and payments and charge our account again for the XXXX reservation. 

This went on for awhile until the host lost it and threw our property outside in the rain and locked us out of the unit due to so-called non payment while charges had been withdrawn from my account. The host retaliated further by keeping our expensive property and groceries. We were forced to call the police to regain access to our possessions. During this hellacious event we suffered damages/loss over several XXXX dollars. Including being attacked personally and professionally on social media to the point that we can not use XXXX platform anymore. 
We filed a complaint with XXXX, to no avail .... they were actually on the phone with us as we called the police. We have filed claim with Chase requesting refunds. The first claim was refunded and then reversed without notice. Each time we contact them to complete the claim Chase gives us another stall tactic claiming the claim is incomplete ... .missing notes from the first claim. They would of called but my phone number was n't listed on the second claim that has the same claim number. 
When we ask for the notes of both claims to compare and identify what is missing Chase stalls and denies us access stating, " its internal information only. '' We believe Chase is acting in bad faith knowingly and intentionally stonewalling our request for credits and closure in this matter. We are currently over {$2000.00} XXXX XXXX XXXX ) overdrawn and out of over {$800.00} XXXX XXXX XXXX ) in wages, causing a financial hardship.
Consumer complaint received 2016-12-01
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A. (NE)

On XX/XX/2016, I made a {$420.00} payment. This would have left me with {$560.00} credit available to use on this card. I planned on using this card or about $ XXXX of it for a trip we are taking. On XXXX, after my payment posted of course, I get an automated phone call stating that they have now decreased my credit limit {$500.00} leaving me on {$69.00} available credit. When I called, they stated that all my payments to them have been on time but tried saying that I 've been paying late on other credit cards I have. That is NOT TRUE. I have NOT missed any payments, in fact since I 've gotten ALL my credit cards, I have paid early in fact. It 's just strange that I 've had this card for a while now and have been making payments twice a month to it and then all of a sudden after a bigger payment, they just drop me. I lost XXXX and a trip with that happening and they were just awful to talk to on the phone. The reason I paid so much is that this is a cash back card and I was trying to earn extra money by paying off a chunk then using it again and so on. It 's almost like they did n't want to have to pay that cash back so why not just drop them down so that they ca n't earn anymore. I now learned do n't trust your credit cards and just use your bank account or cash anymore. I wo n't ever be paying that large of an amount unless I 'm paying off the card to close the account. This is horrible as I have been a great customer paying every 2 weeks on this almost since the day I got it.
Consumer complaint received 2016-08-18
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (IL)

On XXXX XXXX, 2016, I opened a Citigold checking account with a promotion code I had received, namely, promotion XXXX. The promotion promised an award of XXXX XXXX XXXX AAdvantage ( R ) miles upon completion of {$1000.00} in qualifying debit card purchases and XXXX ( XXXX ) or more qualifying bill payments for two ( 2 ) consecutive calendar months, with all requirements to be completed within sixty ( 60 ) days of account opening. 
After completing the requirements, on XXXX XXXX, 2016 I messaged Citibank via their online secure messaging system to confirm that I was enrolled in the promotion and had met the requirements. Citibank confirmed that the requirements had been met and that I should receive my XXXX AAdvantage miles by the end of XXXX 2016. A copy of this communication from Citibank confirming enrollment in the promotion and completion of the requirements is attached. 
As of the date of this complaint, my AAdvantage miles have still not been rewarded, despite them having been promised by the end of XXXX 2016. I note that the terms and condition of the offer state that " The AAdvantage ( R ) bonus miles will be credited by Citibank to your AAdvantage ( R ) account within 90 calendar days from the date when you completed all offer requirements. '' Under the terms and conditions of the promotion, I am eligible for the promotion : I am a Citi ( R ) / AAdvantage ( R ) credit cardmember who received the promotion, I am over XXXX years of age, and I had never before held a consumer checking account with Citibank. I am also attaching XXXX additional online chats I had with Citi inquiring into my missing bonus and Citibank 's response stating I would not be receiving my missing bonus.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I hope youre doing well! I wanted to share something that's been bothering me lately regarding my credit report. I recently checked it and found some inaccuracies that I need to address. 

There are several accounts listed that seem to be inconsistent, and its really confusing. Here are the accounts Im talking about : XXXX. XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX The problem is that theyre not reporting the information consistently. When I look at my credit profile, its clear that the details dont match up, which is super frustrating. This inconsistency could really affect my creditworthiness. 

I already wrote to the credit bureaus about these issues, but I havent heard back from them yet. Its been a bit of a hassle, and Im starting to get anxious about it. I just want to make sure everything is accurate!

I also referenced some sections of the Fair Credit Reporting Act ( FCRA ) in my complaint to support my case. Specifically, I mentioned : - **Section 609 ( 15 U.S.C. 1681g ) ** : This section requires the consumer reporting agency to provide consumers with the information in their file upon request.

- **Section 611 ( 15 U.S.C. 1681i ) ** : This gives consumers the right to dispute inaccurate information and request an investigation.

- **Section 605 ( 15 U.S.C. 1681c ) ** : This limits how long negative information can be reported, ensuring that inaccuracies are corrected promptly. 

Just wanted to vent a little and keep you in the loop. Please help if possible. 

Take care
Consumer complaint received 2016-06-29
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A. (NY)

Flagstar Bank XXXX Corporate XXXX, MI XXXX Ref : Loan XXXX I am writing this letter to advise you of the difficulty of making my original mortgage payment every month, I originally bought the house back on XXXX 2001 with a very steady job and my mortgage payment history have been very good over this year 's even when my prior job lay me off and I was still able to pay on time. Unfortunately my circumstances right now have been changed because of my illness and my XXXX for long term of my life. 
Now I 'm trying to readjust this financial transition because the income from my long XXXX will not be at the same the half of what was my income, but I really want to keep my home. For me and my disable old mother. 
FYI. Regarding my case as I 'm XXXX person. If I 'm able to modify my loan with the bank and I will be folly charge of my taxes with town and with the school taxes. 

Thank you for your cooperation. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXXXXXXXXXX FyI i keep trying to modified my loan many time and they keep denied me..all the time and they denied me again after my brother offer to help me and my mother with contraption monthly payment. i have the bloomberg report and we found fraud of my loan. i need help with the district attorney to file case against my FlagStar Bank. because i do not have extra money to cover the legal attorney fee.Thanks. for your cooperation.
Consumer complaint received 2017-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

Good afternoon I have been through so many of your Employees trying to correct the problem with my account. Debit Card #   XXXX     XXXX   XXXX   XXXX . The transaction on  XXXX / XXXX /2017 was not authorized. I called the Claims Department after receiving a Claim #  XXXX . I explained to the Claim Personal that I wanted to stop payment on the transaction for the amount of {$34.00}. Your. Claim Department decide to do what they wanted. Any one may look at my account to see that I never had dealings with that company. According to what I was told when I ordered the Merchandise it was {$14.00} for shipping and Handling only and my card was going to be charged a one time fee of   XXXX  . When I checked my account I noticed I had been charged the amount of {$34.00} I telephoned the company regarding the transactions I was handled in Non Professional way. I requested the entire Transaction be CANCELLED, THE Customer Service person became angry and said she was not going to issues me my {$34.00} back. I did take the Liberty to record the Conversation regarding the Refund my money. The next day I noticed a Credit to my account for. {$19.00}. I called WELLS Fargo customer service representative to ask what was the {$19.00} about. She stated for the different of the {$34.00} .  XXXX    amount. I do n't asked for that. I asked for the entire amount of   XXXX    to be placed back into my account. Now I see today  XXXX  has Debit my account again for {$14.00} that I have not Authorized. Now I have paid these people a total of {$59.00} because your Employees wanted to be bill collectors. Today I asked   XXXX   in the Claims Department to put a Stop Payment on the {$14.00} and the  XXXX . She refused to do so. Now, I f this is impossible for you to get done then, I will contact the Consumer Financial Protection Bureau. I thought I would give you a chance first to resolve this issue. My Remedy,. for my money to be refunded my money and make sure the   XXXX   XXXX   do not debit my account again. I did the transaction in Good Faith, but it seems as though they are not TRUSTWORTHY,. I need not to have any more dealing with that company.
<P/><P/>   XXXX   XXXX     XXXX   XXXX   XXXX
Consumer complaint received 2016-06-29
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A. (PA)

On XX/XX/XXXX My bank account with PNC was frozen and -XXXX dollars to which i did n't even have XXXX in it. I inquire and find out they said it 's a Bank Lien from a company called XXXX XXXX apparently based in XXXX XXXX. There is a long story to it so to shorten this, I am a victim of Fraud in XXXX XXXX ( i just found this out today ) PNC here in XXXX should have never processed the lien as it was fraud docs as well as being expired. I lost 2 days of work over this and had to work with the Court in XXXX and PNC Garnishment department to get this resolved asap as I need to pay mortgage and my wedding on XX/XX/2016. I was successful with getting the funds released but am not concerned as to why my bank was not able to protect me in this and with the documents they received as I 'm told should have never been processed from the start and I want answers as well as anything i would be entitled to in this. I probably may need to go to XXXX for a court hearing at some point. None of this happened in my state of residence XXXX the lein was sent to my XXXX address when i was in the service to which i have not lived in XXXX since XX/XX/XXXX. Please contact me to review and/or help me through this ordeal I just went through b/c at this point i no longer trust Banks if they could n't protect me from a " supposed '' government entity ad well and not XXXX government.
Consumer complaint received 2016-08-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Aargon Agency, Inc. (NV)

I have sent several requests to Aargon Agency Inc. per the Fair Debt Collection Practices Act, 15 U.S. Code 1681, Fair Credit Reporting Act section 623 ( a ) ( 1b ) and section 623 ( b2 ) requesting the show me the documents required by law that they have to hold me responsible to this debt. Also 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. 

At this time I am submitting this as so that the FTC will have on record that I have attempted on numerous occasions to have this company obey the law and they have refused to produce the documents they are required to have on file to continue to report this derogatory information. I have been given no original contract bearing my signature or documentation of any kind. 

It was advised that I try to have this issue resolved though the mediation of the CFPB before I filed suit in state court seeking remuneration for several things including but not limited to : Violation of the FCRA, Violation of the FDCPA, Defamation of character and Identity Theft as they have opened this account without my knowledge or consent. I have lost opportunities due to this illegally reported information remaining on my credit profiles. 

I am attaching a copy of the most recent USPS Certified mailing sent to this company in XX/XX/XXXX which has well surpassed the 30 days allowed by law for a response.
Consumer complaint received 2016-06-29
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Ditech Financial LLC (WI)

I sold my house on XXXX/XXXX/XXXX I was to receive my overage of my escrow of about {$2700.00}. My mortgage company was Ditech Financial LLC. XXXX XXXX, XXXX XXXX, SD XXXX, XXXX, fax # XXXX. I have been contacting them for months trying to get them to release my money. Each time I call I 'm told that I should receive my check within the next 10 days. After the 10 days no check ... .. Last week I believe on XXXX XXXX or so I called again.This time they asked a manager to help. The manager asked for my routing # and account # that they would wire me the money by the end-of-the-day. NO MONEY AGAIN. I then called them the next morning asking why they did not wire my money. I was told to leave a message for the manager. At that time I stated that if I did not receive my money by the end of business that day I would be filing a complaint. As of today I still do n't have my money ... ... 

I have given this company my up dated address a few times and my checking account information.I sold this house XXXX/XXXX/XXXX and today is XXXX XXXX, XXXX
Consumer complaint received 2016-12-16
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION (VA)

On XXXX XXXX, 2016 I requested a transfer of {$2000.00} from my saving account ( XXXX saving XXXX ) to my checking account ( XXXX + XXXX checking XXXX ) I was told I could not make this transfer because there was a hold on my account because there was no signature card on file. 
REGIONS BANK CUSTOMER SERVICE e-mailed me a blank signature card and requested I have it NOTAEIZED and e-male it to them ( attached ). 
I complied with this request ( attached ) 3 times each time I was told to go a local branch I live in XXXX there is no local branch so I mailed the form with a return recipe ( attached ). I was told this was a copy and not accepted. and sent another form I had that form NOTARIZED and mailed to them. note : raised stamp is not required in VIRGINIA I have had a checking account with Regions Bank for over 15 years.
Consumer complaint received 2016-06-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (CA)

I applied for the REPAYE program in XXXX, 2016. As of today, XXXX XXXX, 2016, my application has not been processed. It 's been 5 months. Fedloan Servicing has given me incorrect information time and time again. They asked me to pay an incorrect amount to process my application on more than one occasion, and I keep receiving bills for payments using the standard 10-year repayment program, which amounts to {$950.00}. I can not afford that payment. My loans have been in forbearance for 5 months now with no resolution. This morning I was told to continue to wait and check back since I have no other option, and to ignore the {$950.00} payment when it is due. I can not afford that payment, nor can I ignore it. Fedloan Servicing is giving me incorrect advice that could lead me a default of my student loans, while taking too long to process a REPAYE application.
Consumer complaint received 2016-12-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: MOHELA (OH)

MOHLEA customer service told me to contact a company to have them enroll me in public sector student loan forgiveness program. They referred me to a company called XXXX XXXX XXXX which charged me over {$700.00} an d did not change anything but put me on a income based payment plan.
Consumer complaint received 2017-09-29
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (PA)

I have been paying my student loan on a monthly basis yet my balance seems to continue to increase. 
Representatives are not consistent with information. I 'm told something different each time I call regarding my loan and payment options. Something does not seem right with this servicer!
Consumer complaint received 2017-09-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NE)

In XXXX XXXX I Cosigned a {$4000.00} student loan through XXXX XXXX. In XXXX the borrower began having issues paying the loan and I sought information on several different occasions regarding deferment, forbearance, and income-based repayment plans. Every option was closed to me, as it was described by XXXX XXXX customer service representatives as " not any better than just making my payments on time. '' They said that if I wished to use any of these options there would be initial and monthly fees added on which would actually increase my bill more than what it already was. 

Since the inception of the loan Customer Service Representatives have made it difficult for me to discuss the loan with Navient ( formerly XXXX XXXX XXXX unless I had information from the borrower that I was never given, nor told to ask for. Conversely, at times when I would call CSRs would eagerly discuss the loan for which I was a cosigner as well as many of the other loan received by the borrower for which I was not aware or financially obligated. Inappropriately, the CSR discussed the status of borrower 's other loans in an attempt to seek payment from me. This demonstrated XXXX XXXX 's willingness to engage in subprime lending. They allowed borrower to continue to take out loans, though his 7 previous loans through the same company were in various stages of default. 

At four different times throughout the life of the loan ( XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ) Capitalized interest has been added to the principle balance of the loan without explanation and without cause. Over the past six years I have paid approximately {$3600.00} to Navient/XXXX XXXX at 10 % interest on a {$4000.00} loan. However of the 3,600 only {$1200.00} of this has been applied to the principal loan. I still owe {$2800.00} of the principal amount. This loan has never gone into default and payments have been made on time for the past three years.
Consumer complaint received 2024-09-17
Product: Credit 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: Chime Financial Inc (MI)

I stayed at a hotel in XXXX XXXX XXXX at XXXX  XXXX XXXX XX/XX/XXXX and check out on XXXX was giving a 20 % discount on room and was told it would be refunded at checkout along with the XXXX dollar incidental fee I have proof that it was released from merchant sent chime the confirmation that it was released they gave me 4 different time frames it would be back on my card I stay at hotels every weekend and never had this issue I have contacted chime multiple times to just get the run around I requested employee ID number wa told they can not give that out was also told by one employee that there was never a charge at the XXXX XXXX XXXX I sent proof that there was a charge I also emailed proof that the money was released XX/XX/XXXX and they say they don't know what happened and there's nothing they can do
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MN)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.