davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-05
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (TX)

I just received a new Mastercard an XXXX XXXX XXXX XXXX card. I have called now 6 times to have the issue fixed and it has still not been resolved, I am currently on hold with them for a 7th call to fix this issue. I purchased a new truck and used the card as part of a down payment which was declined multiple times after calling XXXX to make sure it went through, after my third phone call I stayed on the phone to make sure it went through even though I told them exactly where I was and what I was doing previously and the amount. I tried to make a purchase last night XX/XX/year> with the card and it was also declined. I tried to make a purchase today XX/XX/year> to pay for my insurance coverage on my new truck and that was also declined and this was after I just talked to customer service on XX/XX/year>. At this point I feel that this has been done on purpose and with malicious intent so I cancel the card before I receive my rewards points. I have now wasted hours of my life trying to use a card I was issued. While just waiting on hold now on XX/XX/year> for XXXX minutes the phone randomly hung up instead of transferring.
Consumer complaint received 2024-08-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SOFI TECHNOLOGIES, INC. (NJ)

I am writing to express my deep concern and frustration regarding the closure of my account. On XX/XX/scrub> 2024, XXXX confirmed that my account would be closed in response to my initial complaint ( XXXX ). However, despite multiple attempts to obtain a specific timeline for the account closure and the return of my funds, I have yet to receive a satisfactory response. 
I have made the following efforts to resolve this issue : Submitted initial complaint ( XXXX ) Received confirmation of account closure on XX/XX/scrub> 2024 Contacted XXXX customer service on : * XXXX XXXX, 2024 * XXXX XXXX, 2024XX/XX/year> * XX/XX/year>2024 During each of these interactions, I requested a clear timeline for the account closure process and the return of my funds. Unfortunately, as of today ( XX/XX/year>2024 ), I have not received any concrete information or updates regarding my account status.
Consumer complaint received 2024-08-06
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: JPMORGAN CHASE & CO. (IL)

I had called Chase and had recieved no help then I had sent this message from Chase.com to Account Services and they got back to me few days ago and said we can not issue me the refund when I am clearly provinding the details. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to formally dispute a charge on my credit card for a hotel booking made at XXXX XXXX  by XXXX XXXX through XXXX. The booking details are as follows : Booking Platform : XXXX XXXX : XXXXXXXX XXXX  by XXXX XXXX Transaction Date : XX/XX/year> Total Cost : {$330.00} including taxes and fees Issue Date : XX/XX/year> Dispute Amount : {$220.00} for XXXX nights Upon arrival at the hotel I discovered an unexpected additional charge of {$55.00} per day for parking which was not disclosed during the booking process. This added cost of {$160.00} for the stay duration was not feasible for me. I immediately contacted XXXX to address this issue. An XXXX agent assured me that I could stay XXXX night and they would request a refund for the remaining XXXX nights. Based on this assurance I checked in and stayed only XXXX night checking out the next morning. 

I confirmed with the front desk staff upon checkout that there would be no additional charges for early checkout. However despite numerous follow-ups with XXXX I have been informed that the hotel manager refuses to approve the refund. I have also directly contacted the hotel manager who directed me back to XXXX creating a frustrating cycle with no resolution. 

XXXX policy clearly states : Cancellations and changes : We do not charge a cancel or change fee. When the property charges such fees in accordance with its own policies the cost will be passed on to you. 

XXXXXXXX XXXX by XXXX XXXX : There is no charge for cancellations made before XXXX XXXX  property local time on XX/XX/year>. Cancellations or changes made after XXXX XXXX  property local time on XX/XX/year> or no-shows are subject to a property fee equal to the first nights rate plus taxes and fees. 

I adhered to the policy by not canceling but rather checking out early which was not mentioned as incurring any additional fees. Given that I stayed only XXXX night I should be refunded for the remaining XXXX nights {$220.00}. 

I have explained this situation to a Chase representative but my dispute was deemed invalid due to the merchants policy. I believe this decision is unfair as I followed the stated policies and acted based on the guidance provided by the XXXX agent. I kindly request Chase Bank to reconsider my dispute and assist me in securing the refund that I am entitled to. If you need additional information/documents please let me know. 

Thank you for your understanding and assistance in this matter.
Consumer complaint received 2024-06-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pollack & Rosen, P.A. (FL)

I was making payments with the collector. I asked for monthly notifications to be sent however they never were. I forgot to make a few payments and the collection agency reached out. I was speaking with them about starting back up payments. I was working with them and reaching out several times via phone and email where the agent I was assigned was not responded. My account got garnished!!! I tried calling other numbers and found out the agent I was working with was no longer at their company!!! This caused a huge about of hardship on me and my family. It took a long time to get my bank account unfrozen. I couldn't even make mortgage payments with my account!!!! I worked with them to resolve just so I could get my bank account working again. After I asked them to work with me on a new settlement and they declined. I feel it's very deceptive for a company not to send monthly statements. Most people in my position are VERY busy and trying to keep their heads above water. I was working XXXX jobs at one point, have XXXX XXXX etc. Pollack & Rosen should be investigated! XXXX XXXX shame on you for hiring a deceptive debt collector that prays on customers!
Consumer complaint received 2018-07-12
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (NV)

In XX/XX/XXXX our home loan was modified using the HAMP program. The lender offered two pay to perform benefits. One would be {$1000.00} per year for the first five years for a total of {$5000.00}. Second is a principal deduction of {$26000.00} per year for the first three years for a total of {$79000.00}. This full credit should have been completed XX/XX/XXXX. I would like to point out that this loan agreement has been signed and notarized by both parties and filed on the property. 

As of today, we have received {$4000.00} credit for the $ XXXX/year and {$0.00} of the $ XXXX/year principal reduction. These terms are stated clearly on the HAMP agreement filed on the property dated XX/XX/XXXX, page 4, paragraph 1. It also stated clearly on the HAMP offer from NationStar dated XX/XX/XXXX, page 3,  paragraphs 1 and 2. 

I called Mr. Cooper ( formerly NationStar ) several times asking about the $ XXXX/year and have been given the runaround. Here are my notes on the calls : XX/XX/XXXX - Spoke to XXXX at Mr. Cooper. Was told that two {$1000.00} ( XXXX, XXXX ) were on record but nothing on $ XXXX/year. She was sending an inquiry to pay to perform department. 

XX/XX/XXXX - Spoke to XXXX ( in AZ ). Inquired again about credit noting that it shouldve been completed in XXXX and that it was two years past due. I was told that it was a typo and that I would only get the $ XXXX. Transferred to XXXX XXXX, supervisor ( x XXXX ) and told it was being reviewed by pay to perform XX/XX/XXXX - Received letter showing credit of {$4000.00} for pay to perform incentive. 

XX/XX/XXXX - Left message for XXXX XXXX. Call returned and he stated there has been no feedback on my inquiry. 

XX/XX/XXXX - Spoke to XXXX ( in AZ ) as XXXX is now unavailable to take my calls. He told XXXX he will email me. After some heated complaints of all the emotional distress Ive experienced dealing with them I was finally given to XXXX XXXX. He stated again that he did not have an answer. He said something about the documents being reviewed. 

Overall, getting a HAMP loan has been an extremely stressful process on us. We had to hire attorneys to get it in the first place. Now Mr. Cooper has made it clear that they have no intention of honoring our agreement ( that they offered ).
Consumer complaint received 2024-06-24
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: AMERICAN EXPRESS COMPANY (FL)

I have had contacted american express XXXX  card about a service they offer XXXX XXXX XXXX XXXX XXXXXXXX is to use it for purchases and withdraw money as a guest they are not giving me any information could please let me know. Thanks
Consumer complaint received 2023-01-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Despite the multiple previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-08
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.
Consumer complaint received 2023-03-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-06-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (TN)

My student loans are handled by EdFinancial. I have been making automatic payments since the payments started back up in XXXX of XXXX. 
In XX/XX/XXXX, I signed up for the XXXX program, and had to submit another request for autopay. Which, I was later told it wouldnt be until XXXX that the autopay will kick in and Ill have to manually make the payments ( from XX/XX/XXXX to XX/XX/XXXX ). No worries, Ill do it until XXXX. 

I started receiving over due payment notices for XXXX via email. So, I called EdFinancial and was told that the payment wasnt applied and that a request was sent to apply my XX/XX/XXXX payment. 

I have checked my EdFinancial account weekly since XXXX to make sure the payment was applied. I also would call them to make sure the request is still in process. This has gone on from the end of XXXX to XXXX, and no resolve. 

Rather, XX/XX/XXXX, I go to make my XXXX payment, and not only do I notice that the XXXX payment has yet to be applied, but EdFinancial reversed all my payments from XX/XX/XXXX to XX/XX/XXXX. Resulting in a past due balance of over {$600.00} ( this total adds up from all the reversals that I have paid ). I called customer service and the representative alluded that I have not made payments. I reassured him that I have made all payments on time and that all payments have been withdrawn from my bank account with no refund at all. So, where is the money?! 
I have not received any refunds from them from the reversal. Also, I have checked my EdFinancial account weekly since XXXX, and the reversal was just done in XXXX. Otherwise, I would have called sooner. 

I called my banking institution for proof of payments and to confirm there hasnt been any reversal of payments on their end. They were able to confirm all payments dating back to XX/XX/XXXX have been withdrawn with no credits/refunds back to my account from EdFinancial. I submitted my bank statements dating back to XX/XX/XXXX to EdFinancial via fax and uploaded to me account. 

Another request was submitted to review my account to correct and apply payments. But the XXXX payment has yet to be resolved. 

Where is my money going? Because its not in my bank account. Id like this resolved by applying all the reversal payments on my account, and bringing my account back to current. Its the only fair thing to do.
Consumer complaint received 2024-08-02
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO. (IN)

I went into Chase bank and had my 2 checks cashed. Chase refused to give me a receipt and that made me upset. What made me more upset was being stalked by XXXX  who sold me supplies and also left without receipt. Came back next day and manager told me its impossible and again refused but printed me out numbers of checks and not actual receipts again! I became upset and called police to file a report on Chase refusing to print out receipts and stalker and only when I filed a motion in court case did they finally print me out a copy of my receipt. That is one issue of defamation that cause Chase to prohibit my from services as in receiving my receipt until after I filed a motion in a different case! I am very upset as they kept telling me its impossible and not doable multiple times and only was available after I filed motion in court case that had nothing to do with Chase Bank!
Consumer complaint received 2024-07-31
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (FL)

I haven't been able to view my card in the app for months. Prior to this happening, I was able to view my debit and credit builder cards. This would show me exactly what was on my physical card, in case I didn't have my card with me and needed the info. Now I get an error saying it's unavailable. I have attempted all troubleshooting as I personally work in tech. I also advised the customer service agent who I talked to on XX/XX/year> that I've done the troubleshooting and the issue persists. The agent kept mentioning issuing me a virtual card. This isn't what I wanted as this would've been a different card number/CVV that would link back to my card, but wasn't the actual info on my physical card. This isn't what I wanted, nor was it going to solve the issue. I asked why this change, and the agent couldn't answer my question. At this point, I requested a supervisor, and instead was transferred right back into the customer service queue, which at that time, was 15 min long. I didn't appreciate the stunt that customer service pulled, nor did I appreciate my time being wasted, hence why I came through CFPB.
Consumer complaint received 2024-07-31
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc (FL)

I am currently dealing with a dispute with Chime who works with XXXX. The way Chime has dealt with my dispute has been completely unprofessional. I originally put in the dispute XX/XX/year>, that Chime agent that I had talked to originally put a dispute in as paid for by other means, which was incorrect. My dispute was denied, and I had to re-open in case and put the correct information of an authorized transaction. I am currently on my third rebuttal, because Chime has not reached out to the merchant about the situation or charge back I am holding Chime and XXXX  XXXX accountable for my missing funds, and not being a credited to my account. Chime is saying that I have to wait over 25 days for my provisional credit to be put in my account. On XX/XX/XXXX, I put an On XX/XX/XXXX, I put in my third rebuttal, currently an investigation right now Chime is telling me that I will be eligible for professional credit on XXXX XXXX that is 25 days without my allocated funds. Almost a whole month without my own funds and money, According to Regulation E, or the Electronic Fund Transfer Act, requires banks to investigate disputes promptly and issue provisional credit if they can't resolve them within 10 business days. The bank must notify the consumer of the provisional credit within two business days, including the date and amount, and that the consumer can use the funds until the bank determines if an error occurred. It is now XX/XX/XXXX and Chime has yet to provide me my provisional credit regarding my case. Or even investigate. I am demanding my provisional credit by XXXX XXXX no later, or I am forced to seek legal action against Chime and XXXX
Consumer complaint received 2024-07-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION (ME)

I have now tried using a balance transfer from XXXX different banks with the same problem. 
The only way to have a payment allocated to a balance transfer before the end of the statement period for the balance transfer is to first pay off all the other statement balance and post statement charges. 
If my balance transfer is {$100.00}, my statement balance ( excluding my balance transfer ) is {$500.00} and new charges after my statement is {$500.00} - I have to pay the bank {$1100.00} for them to apply {$100.00} to my balance transfer. 
To make it even harder for the consumer, the due date of the balance transfer to avoid interest charges is based on when the transfer was made NOT the statement date. 
The consumer, if they use their credit card, has to time the payment, between statements, just right or any pending or new processed charge will reduce the payment for the balance transfer. Basically, you have to make sure the total payment equals the total balance less your balance transfer ( which you actually don't know, even from the statement ) plus any amount you want applied to your balance transfer. This makes it very hard to pay down your balance transfer gradually. 
The bank told me that the wording they used " Pay at least this amount on new non-promotional purchases shown on your next statement '' totally explains how to know what to pay to pay down a balance transfer. 
Yes- it is a confusing as it sounds. 
The easiest solution is to stop using any credit card you have a balance transfer on until you pay off the balance. 
I am an accountant - I would wager that most consumers end up paying some interest on a balance transfer because this process is so convoluted and confusing.
Consumer complaint received 2023-01-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.