davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-19
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NH)

Subject : Complaint Regarding Unjust Closure of Credit Card Account by Chase Bank Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Chase Bank regarding the unwarranted closure of my credit card account on XX/XX/XXXX under the pretext of " abuse. '' The account closure occurred shortly after I requested details and support related to a merchant dispute with XXXX XXXX XXXX. I have always maintained a pristine record with Chase Bank, never missing a payment or raising complaints about any other issue besides this particular merchant dispute. 

As a responsible consumer, I exercised my right to request information and documentation from the merchant to resolve the dispute in question. However, instead of cooperating and providing the necessary support, Chase Bank closed my credit card account, citing vague allegations of " abuse. '' I wish to emphasize that I have always conducted myself responsibly and respectfully in my dealings with Chase Bank and other businesses. The sudden closure of my credit card account has caused considerable hardship, as it hampers my ability to manage my financial affairs effectively. 

I am seeking your intervention to investigate this matter thoroughly and ensure that my rights as a consumer are upheld. I urge the Consumer Financial Protection Bureau to hold Chase Bank accountable for its actions and provide me with a detailed explanation for the closure of my credit card account. 

I appreciate your attention to this pressing issue and look forward to a swift resolution. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-20
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: DISCOVER BANK (MA)

I signed up with a XXXX XXXX XXXX on XX/XX/XXXX. The payments were paid through Discover Card once a month from XX/XX/XXXX- XX/XX/XXXX, {$45.00} XXXX payments with a total of {$310.00}, to warranty to repair/ and replace my tenants ' whole appliances and all built-in heating and hot water systems. XXXX failed to repair anything when the heating system broke down after I filed a claim and XXXX refused to repair/ replace the heating boiler and blocked my technician from reporting an analysis. Then I did some more research about this company and found many complaints about this company. Then I called Discover Card to stop paying them on XX/XX/XXXX. 
I filed 7 payment disputes with Discover Card about the service that the installment that I paid was not delivered. I sent all the documents including the warranty agreement and the front and the back {$5300.00} check which I paid my OWN plumber ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX for the replacement of the heating system. 
I filed 7 installment payment disputes on XXXX XXXX, XXXX, to Discover Card by phone. I was informed that XXXX of the installment charges from the disputes were in my favor and the charges were reversed, but XXXX of them will not be reversed due to the Merchant failing to respond within the time limit. I called Discover to ask the reason and did not get a clear answer as to why 3 of the 7 disputes were rejected in the same circumstance. After sending another 8 more pages to support my claim Discover had not received a response from Merchant. Discover repeatedly denied quickly on my claims the next day. I have sent in 14 pages of the supporting documents and then 8 pages of the document after the telephone conversation. It seemed that the Discover Card decision was not based on how Merchant responded but on what they pleased.

Please check how this XXXX XXXX compliant XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: U.S. BANCORP (OH)

US Bank Mortgage obviously didn't apply the payments correctly on this account. They received payments from XXXX XXXX XXXX Ohio for {$25000.00} total and a little over {$50000.00} from the Bankruptcy XXXX XXXXXXXX Trustee from my husband 's case. I attached the final report showing exactly how much was paid to US bank Mortgage, from XXXX XXXX XXXX, They claim our escrow account has a over {$7000.00} shortage and it's not adding up considering we have a fixed APR rate 5.125 %. They are trying to be slick and raise our payments for no reason. I also have a copy of the new billing statement with the wrong amount due on our ed. If this is not resolved, they don't correct this. We will seek legal counsel to have a judge look at our documents to show there no shortage over {$7000.00}. They are wrong..
Consumer complaint received 2024-02-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (MO)

I opened an online account with JP Morgan Chase. I deposited a check for XXXX. They held the check for 12 days until it cleared. They told me over and over I had to drive 2 hours to a branch in XXXX, AR. with identification to verify my identity and that I would be issued a check directly. This was after several weeks of fighting with Chase to return my money, They closed the account on me, I called on XX/XX/2024 and verified my identity and the supervisor online said she didn't know why the man did not release my funds and send a check to me. She said I did not have to go to a branch. This was a tank of gas and my own time! What do I do? 

The officer XXXX XXXX at Chase on XX/XX/2024 wanted to help us. He got on the phone with the same system I am having to call through and they told him on speaker phone that the funds could not be released for him to issue us a check because a check had been sent in the mail. I had called the Saturday previous to this and was told if I did not make the 2-hour drive to XXXX they would eventually be authorized to keep my money and I would lose it. So, I drove 2 hours and XXXX XXXX was told they mailed me a check. 

Today, XXXX we have received no check. I am on the phone right now with Chase who is telling me to return to XXXX again to verify my identity and have them issue me a check. I am a XXXXXXXX XXXX XXXX all day and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  every evening. I can not take off work because they lied to the officer who had helped me there. Tonight they are saying no check was released. They admitted the officer helping me that day was misinformed. 

I want my money and I can not afford to take time off work to go to XXXX again. They are not paying me interest nor are they footing the bill for my travels. I indicated when I opened the account to contact me via email and phone - preferring phone. I am a resident of another state and work in XXXX. This is why I wanted an online bank. 

Tonight they told me I have to call back in 5 days to see if the request to release my funds was granted and a check was mailed. I want my money! I have verified my identity twice online and in the bank in person! I work hard for my money and want this money.
Consumer complaint received 2024-05-19
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

capitol one closed my account in 2022 after i reported unauthorized charges. the {$190.00} was left as unpaid and reported to chexsystems, now i can not open a checking account. XXXX had the balance paid down to {$0.00} then my account was hacked. i called capitol one immediately, this is when account was closed. still t this day someone is trying to make unauthorized charges on this account and its been closed for XXXX  months. i ask this fraud be removed from the XXXX report, and account be credited for all unauthorized charges.
Consumer complaint received 2024-05-18
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XX/XX/year> - I searched for flights online and found which I wanted. When I went to Capital One Travel, all of the prices for the same flights were higher. When I called Capital One, they transferred me to XXXX. XXXX said there was nothing to be done. When I asked for the call center representative 's name, she said she could not give it to me. When I asked for a case number, she said she could not give it to me. When I asked for a supervisor, she put me on hold until I was redirected to a feedback auto message.
Consumer complaint received 2023-05-03
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Albert Corporation (MA)

I signed up for Albert several years ago. Since then, my bank ( Simple ) was closed and acquired by XXXX, who then was closed and acquired by XXXXXXXX XXXX Albert will not let me withdraw my funds or close my account without a five-year-old statement ( They are asking for XX/XX/2018 ) from XXXX, with whom , I never had an account. I offered to provide a closing statement for the account, but they refused. The account has {$57.00} in it. 

I would like the account closed and the money from the account provided to me as a check.
Consumer complaint received 2024-02-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Consumer Dispute Regarding Violations of Consumer Protection Laws Dear Consumer Financial Protection Bureau XXXX I hope this letter finds you well. My name is XXXX, and I am writing to bring to your attention several egregious violations of consumer protection laws by a collection agency, which have adversely affected my financial standing and consumer rights. 

Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) ) : I have recently discovered that the collection agency, despite its legal obligation under 12 CFR 1006.34 ( b ) ( 5 ), has failed to provide the necessary validation information. Shockingly, they have placed a collection on my consumer report without adhering to the mandated validation process, causing considerable harm to my credit standing. 

Denial of Opportunity to Dispute Account ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) : According to 12 CFR 1006.34 ( c ) ( 4 ) ( i ), consumers are entitled to dispute the accuracy of the information reported about them. However, I have not been given a chance to dispute the account in question, violating my rights as a consumer and compromising the integrity of the credit reporting system. 

Violation of Consumer Rights through Deceptive Means : It has come to my attention that the collection agency is engaging in practices that violate my consumer rights by using false, misleading, and deceptive means. These actions not only damage my financial reputation but also undermine the trust and fairness inherent in consumer reporting. 

Unauthorized Furnishing of Account Information ( XXXX XXXX XXXX ( d ) and XXXX XXXX XXXX 2 ( 7 ) ( A ) ) : The collection agency has taken the egregious step of furnishing my account information to consumer reporting agencies without providing the requisite disclosures mandated by law. This blatant violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) is a clear disregard for legal obligations, negatively impacting my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau conducts a thorough investigation into these violations and takes swift and appropriate action to rectify the situation. By doing so, we can work towards upholding the principles of fairness, accuracy, and transparency that are vital to a just financial system. 

I appreciate your attention to this matter and look forward to a prompt resolution that reinstates my consumer rights and rectifies the harm caused by these violations. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MRS BPO, LLC (GA)

I received a letter from MRS BPO , LLC on XX/XX/2024 alleging that I owe a debt which I never have done business nor have I contracted with the debt collection company they claim that I allegedly owe a debt of {$2100.00} I've sent out Affidavit of demand for verification of debt, a Affidavit of cease and desist, a Affidavit of Truth stating the multiple XXXX and violations that they have committed as well as proof of the violations and my invoice for the violations that they committed for violations of the Fair Debt Collection Practices Act
Consumer complaint received 2024-02-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (MD)

Scammer was able to get password to paypal account. I immediately notified paypal that it was not me trying to change password. Paypal locked account. Scammer had taken XXXX $ and bough XXXX XXXX gift card. Paypal send me formal e mail ( in paypal systrem ) saying they would stop scammer transaction and return the money. I have waited months and not gotten money back.
Consumer complaint received 2024-02-20
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (IL)

Jefferson Capital Systems has reported to XXXX that I owe money on a XXXX account that I never opened. It says it was opened in XXXX despite the fact that XXXX wasnt a company since XXXX, and I havent had service with sprint since XXXX. 
Ive never received any letters or anything in writing.
Consumer complaint received 2022-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

I sent letters to the credit bureaus on XX/XX/2022 regarding inaccurate and unknown things on my credit report. To this day, over 45 days after, I have not received a response. I feel like I'm being taken advantage of and that I'm not being taken seriously. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 45 days, so they should be removed now. This inaccuracy is preventing me from pursuing my school career and is holding me back from getting approved for things I need for school. My information was also impacted by the Equifax data breach and may have got in the hands of the wrong person. I will file for litigation if I have to. Please resolve these issues with my credit report.
Consumer complaint received 2024-02-20
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: AMERICAN EXPRESS COMPANY (VA)

Hello, I recently used my AMEX Everyday Visa card for 2 rentals in the month of XXXX. AMEX charged me {$24.00} per rental for premium insurance which I did not recall signing up for. When I called AMEX to report these charges they said I signed up for it in XXXX which if it was true was done deceptively. 
I made two calls to AMEX 1 ) On XX/XX/XXXX to notify AMEX about the charges. The agent said she will create a ticket and refund the amount within a week and I will receive a letter. 
When I didn't see the amount refunded and neither a letter I called back on XX/XX/XXXX and spoke to a supervisor by the name of XXXX who mentioned that AMEX will not be refunding this amount since the rentals were consumed. 
This is a gross unethical practice by AMEX by using a deceptive method to get customers to sign up for premium insurance 12 years ago and then not notifying them. I have requested copy of the confirmation of my signup from XXXX but haven't received one after multiple calls. 
I would really appreciate if CFPB could look into these practices by AMEX.
Consumer complaint received 2024-02-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO Bank, N.A. (IL)

I made a transaction XX/XX/2024. The company I made the transaction with canceled the order. They explained I would receive a full refund in 3 days, to the card I made the purchase with. I called my bank ( BMO ) on Friday XX/XX/2024 due to the funds not being released. They are now insisting that I go to their banking branch to be issued a refund to my card. Today is XX/XX/2024, and there is no resolve. They are still telling my to go to a branch.
Consumer complaint received 2023-02-14
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: Experian Information Solutions Inc. (MI)

The credit bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate, and the date last reported is not accurate. This is grounds for removal as they violated my rights under : 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 states a consumer reporting agency can not furnish an account without my written instructions. 

Also the credit bureaus took more than 30 days to complete my investigation. here is my certified tracking number # XXXX
Consumer complaint received 2023-07-05
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. (TX)

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

15 U.S.C 1681 Section 602 A. states I have a right to my privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

XXXX a loan from XXXX becuse of some finnacial urgency and tried to drop the checq throuh mobile and it did not go throuh due to the amount ( {$49.00} XXXX ). On XXXX went to bank branch and dropped the cheq throuh Teller based on the customer care I went with 2 piece ID and cards Teller took the cheq and credited the same. I did not realize that he credited the cheq in my Credit Card Account insted of Checking Account. In mobile banking account I see the trasaction was getting processed in Credit Card. I called multiple times again the customer care and infomed me that I need to wait until the transction needs to be posted then they can transfer it to checking account. 

Today on XX/XX/year> again i called multiple times they informed me that it will take 10 business days to credit it back into my cehcking account. I need the money urgenty to take care of some credit cards balance and Morgage payements and some Line of Credit balance. Now I am in trouble I can not transfer this money I don't know what to do bank is sayign they can not expidite it since it's the procedure that they will take 10 days to refund even if the mistake is 100 % with them
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2024-02-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Goal Structured Solutions, LLC (NY)

In XX/XX/XXXX, I received notification from Launch Servicing that my loan balance had been paid in full ( ~ {$21000.00} ). The Paid in Full letter lists my name, account number, and loan number. I stopped receiving monthly billing statements from them, I monitored the account for the following three months, and received no further correspondence from them until XXXX, when I received my 1098-E. On XX/XX/XXXX, XXXX, and XXXX, XXXX, I receiving billing statement, each dated for the months of XXXX, XXXX, XXXX ( XXXX ), and XXXX ( XXXX ), respectively. These statements also appear in my online account correspondence, but show a receipt date of XXXX XXXX XXXX  The statements show that interest continued to accrue on the account in question and that late fees were being applied. On XX/XX/XXXX, I called Launch to inquire why this was the case and what had happened. It was explained to me that a payment had been applied to my account in error, but then removed, and that's why I was receiving these statements. After asking why I hadn't heard anything sooner, I was told that a letter explaining the mistake and admitting their fault had been sent on XX/XX/XXXX [ I have yet to receive this letter, either digitally or via mail ]. As of XX/XX/XXXX, the loan in question is still listed on my credit report as " Paid, Closed; was Paid as agreed. '' On XX/XX/XXXX, I received a delinquency letter notifying me that the missed payments are due immediately to avoid collections actions.