davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

Chase credit services, closed my account with no objective reason. I have not had a late payment with them. I always followed all the rules. I received a letter saying that they are closing one of my credit accounts with a fictitious reason ( Got access to an offer that was not directed to me ). I don't think chase can confuse and mislead their customer into applying to offers. This credit card offer was given to me after I logged in into my personal chase checking account. I have written to there executive office and made multiple calls. The so-called executive sovereign department is like an unreachable institution for the regular chase costumer. They take your request through a phone service and then you wait and wait for there blessing. I have offered to send bank statements and other documents to demonstrate that I am a good payee etc ... But to no avail. I request my account to be immediately reopened and my credit line restored. Thank you!
Consumer complaint received 2017-01-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (AZ)

XX/XX/2016, we received a check from Wells Fargo Home Mortgage in the amount of {$24.00} with a letter containing the following statement : " During a recent review of a transaction that paid off your refinanced mortgage account, we determined that you were charged excess interest. Please accept our apologies and now that we are reminding the amount due to you. '' This was from a refinance we did almost FOUR years ago. We consider this very sloppy business practices regardless of the amount. We also have zero confidence that this amount refunded is accurate. Is it acceptable for Wells Fargo to take almost four years to return over charged fees? How can we be assured that the refund was accurate? Yet another instance of Wells Fargo abuse of consumer trust. 
Thank you for any help or information you can provide. 
XXXX, XXXX, Arizona
Consumer complaint received 2022-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (RI)

I had opened an account with XXXX XXXX to purchase a bicycle on a 0 % 12- month financing plan. That was fine until the card company owner - Comenity - ended the XXXX program ( or it was sold to Comenity ), while I still had a remaining balance ; effective XX/XX/XXXX. I have not used the card for ANY purchases since Comenity took over. My original 12-month 0 % XXXX plan lasts until this coming XXXX, XXXX. 

To date, Comenity had honored the no-interest payment plan. They did, however, charge me a {$40.00} late fee at least once when I had paid the bill/got it in the mail in what should have been plenty of time. The runaround I got from them when I tried to complain ( to a call center staffed with scripted people for whom English is not the first language/it 's XXXX ) suggested I would have had to have paid the bill the moment it arrived, their lack of grace period/suggested mail-ahead time was so extreme. 

Because of my disgust at this, I paid the entire balance off last month, a matter of about {$340.00}. 

I just got my latest statement, which shows it was paid off, but carries a {XXXX} balance. 

The date of payoff, in full/total balance, is listed as XXXX XX/XX/XXXX, on their printed statement ( see attached photos ). 

The date they charged a {XXXX} fee, listed as a " Minimum Interest Charge '' was XXXX XX/XX/XXXX. Again, printed on the statement. I have never made a single purchase that was supposed to be subject to interest- all were made under the XXXX XXXX/prior to the change to Comenity. 

I attempted contacting them again and got a ridiculous/gibberish runaround from the again non-native-speaker with a zombie script, making inane references to revolving credit statements back in XX/XX/XXXX ( when the plan was still 0 % XXXX .... ). I hung up in frustrated disgust. 

I'm now paying them their {XXXX} and am going to attempt to close the account ( wish me luck ). 

I just think Comenity Bank XXXX XXXX, Ohio/ XXXX XXXX XXXX XXXX Texas needs to be on your radar : this is the WORST 'gotcha ' behavior I have ever seen from a credit card - it's just a scam, basically, and I want out. I don't trust these people at all and have no interest in using their card or being their customer. 

It's not worth my time ( billable hours of my own ) to knock my head against the brick wall of their horrible customer service over {XXXX}, but it would be good if your watchdogs had a look at these people. I think they're in the game of bilking consumers. I'm a guy with a XXXX XXXX/not at all illiterate financially or literally, nor naive, but I really worry what these folks could do with behavior like this to people running serious balances with less fiscal knowledge.
Consumer complaint received 2020-06-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (NC)

My lender has forced the flood insurance for year XXXX and purchased the policy in XX/XX/XXXX. 
I was informed about the policy in XXXX and rules why they bought it. 
My objection is 1 ) why wasn't the policy got purchased in XXXX if it was required in XXXX? 2 ) how can you back date and purchase policy for period that is already gone..it seems fraud to me. 3 ) if it was to be purchased for XXXX then I should be informed in XXXX with amount and the clause of policy so that I can make informed decision why I got told about XXXX policy in XX/XX/XXXX. 

I tried to speak with multiple people at my lender and didn't get resolution and they paid it through my escrow putting me into financial risk.
Consumer complaint received 2016-05-25
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

We requested a past due 'pre-foreclosure ' notice from Wells Fargo Mortgage XXXX so we could provide the documentation required for the timely advance of a 'hardship ' loan from our XXXX account. We are two months behind in our mortgage and if we miss one more month we will be in foreclosure and lose our home of XXXX years. On the phone originally all Wells departments refused to send us the pre foreclosure notices Wells have been sending out for years.It 's three weeks since my family first contacted Wells and we still have not received a 'pre-foreclosure ' or a substitute notice from Wells Fargo , so we can make a valid 'hardship ' claim. 
It feels like entrapment, if Wells does not supply us an acceptable timely letter in accordance with IRS rules, Wells Fargo can foreclose on our home. 
We now believe the missing Wells Fargo letter, if received may be too late to process.
Consumer complaint received 2020-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2020-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

Re Bank of America CC to XXXX XXXX XXXX, No. XXXX 1. This card was solicited by fraudulent offer. The offer was a {$100.00} discount from XXXX XXXX, which was never provided. 

2. The dispute involves BoA second fraudulent actions when I attempted to call them three times to cancel card ( each time it took 15-45 minutes to get an operator, after fighting through a menu to nowhere ) : a. The first time, intake stated she was agreeable to canceling card and all charges but could not do so even though she could see that the train ticket was canceled, it had not yet entered their system. 

b. The second time I called intake again stated that he would be glad to cancel all charges and the account, and then informed me, with out asking my permission, to transfer me to someone else to do this, and, after he transferred me, the bank 's system dropped the call. 

c. The third time I called, and went through the interminable menu, the recorded voice told me to call again later. 

Bank of America appears to be following the discredited policies and practices of XXXX XXXX of generating faux business, and, notwithstanding all their operators assurances that the charges and card would be canceled, they have dinged my credit card at the same time I am attempting to get a mortgage, at great expense to me. 

Do you have a way of getting their attention and not being hung up on, because, I am being injured right now significantly by a bank committing repeated fraud. 
How can your complaint be satisfactorily addressed?
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$1400.00} XX/XX/ 15 U.S.C , 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-06-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

On XX/XX/20 my water bill for {$65.00} was returned unpaid ( even though I had over {$160.00} in the account ) and i was charged {$25.00} from the water company bringing my bill to {$90.00}. After speaking to numerous usaa agents one told me it was an error, another said it was because I had a {$110.00} pending charge the next day, but if that were the case the water bill should have cleared first & there were several hundred dollars in deposits the next day. They continue to process even pending debit charges first to bounce the most ach charges because they can charge nsf fees on those. If you review the attachment I clearly had funds to cover the water bill. I would like a {$25.00} refund or a letter that it was an error and for them to follow bank laws regarding not reordering items to maximize fees.
Consumer complaint received 2020-04-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

It is my belief I was discriminated against by JPMorgan Chase Bank, N. A. in applying for a home loan. This discrimination was based on their not wanting to honor a promised rate. 

During of the application process they called personal contacts and asked disparaging questions that caused concern, disregarded legitimate documents, instigated 5 separate credit inquiries damaging my credit score. 

All statements I provided were true and honest. 

Statements in the denial letter were inaccurate. 

I am asking that you review that matter with the bank.
Consumer complaint received 2023-05-26
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 Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 instruction.
Consumer complaint received 2020-06-12
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 — Investigation took more than 30 days
Company: CITIBANK, N.A. (WI)

There were fraudulent inquires done with my identity due to identity theft, XXXX  lied and said they contacted the creditor and that the creditor responded back and said the inquires were accurate but the company is closed so how are they able to respond back to XXXX if this company is completely closed to to covd-19
Consumer complaint received 2020-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I have contacted ALL 3 credit bureaus. There was an address added to my credit report/SSN a year ago as well as an account I had no knowledge of. Myself and the woman at the address share the exact same name. Once she opened the credit account, one of the 3 credit bureaus added her and her address to my social security number. I filed a police report for the " fraud '' jumped through all the credit bureaus hoops, and they will not remove this address. Another credit account was added to my credit report once again, same person, same address and she failed to make a payment AGAIN. I have pleaded with the credit bureaus to remove her address ( I have lived at MY same address for XXXX  years ). The detective who investigated the fraud had the same conclusion ... ... one of the credit bureaus added her address and account to MY social due to our sharing the same name with no attempt to locate her personal information anf therefore her own credit accounts. PLEASE help me.
Consumer complaint received 2020-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XXXX, XXXX XXXX, MERCHANTS CR ( Orig.  Creditor : XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX ), CONVERGENT OUTSOURCING ( Original Creditor : XXXX ), XXXX, and XXXX XXXX violated my 609 rights by reporting incorrect information to Equifax regarding my credit file. Equifax further violated my rights by adding this incorrect information to my credit profile for others to see. 

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 reported to Equifax that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses on my report corrected, this is a violation of my consumer protection rights.
Consumer complaint received 2024-07-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Not familiar with this company, never did business with them. They are in breach of contract and in breach of privity of contract, the XXXX XXXX XXXX XXXX, having access to my non public personal information which consent was never given. Spoke to supervisor XXXX XXXX she stated they purchased account from XXXX XXXX XXXX, which I am not familiar with this entity. Never received debt notification!! Neither entity sent verification that they purchased the debt and transferred the account to their entity.
Consumer complaint received 2024-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

Been a customer for over XXXX  years and had situations more than once in the past during the time of XXXX where funds were not available and not sure if I was included in undisclosed security services like debt protection, gap or homeowner insurance.
Consumer complaint received 2024-07-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Consumer Financial Protection Bureau XX/XX/year> URGENT : Formal Complaint Against Capital One for Discriminatory Practices and Financial Mismanagement To Whom It May Concern, I am writing to formally file a complaint against Capital One regarding egregious mishandling of my account and discriminatory practices, resulting in substantial financial harm and emotional distress. 

On XX/XX/year>, I conducted an electronic deposit to Capital One using a different mobile device and promptly informed the bank of this transaction. Concurrently, I requested a replacement bank card. Regrettably, the representative I engaged with, whose second language was English, misunderstood my instructions. This misunderstanding led to unjustified restrictions being imposed on my account. Consequently, Capital One issued threats of account closure. 

Following subsequent communications with another representative, additional and unnecessarily stringent measures were enforced, seemingly motivated by personal frustration on the part of the representatives. Despite successfully verifying my identity at least seven times using my passport, Capital One persistently insisted on subjecting me to further, unwarranted verification procedures beyond what their systems required. 

As a direct consequence of these actions, Capital One has withheld in excess of {$5000.00} from me, funds urgently required for critical expenses such as housing, medical care, and daily living costs. Despite confirmation from state authorities affirming the successful completion of identity verification procedures, Capital One continues to enforce severe restrictions on my account solely based on the initial misunderstanding by a non-native English-speaking representative on XX/XX/year>. 

This situation is not only financially devastating but also emblematic of potential discriminatory practices. It appears that Capital Ones actions have been influenced by bias against individuals communicating in a language other than English as their primary means of communication. Such discriminatory practices are in clear violation of federal and state consumer protection laws. 

Therefore, I urge the Consumer Financial Protection Bureau to intervene immediately and conduct a thorough investigation into these matters. I request that appropriate measures be taken to rectify the financial losses incurred and to ensure that Capital One adheres strictly to fair and equitable treatment of all its customers. 

Enclosed with this complaint are copies of relevant documentation, including correspondence with Capital One, identity verification records, and evidence of state-issued confirmation. 

Thank you for your prompt attention to this serious issue. I anticipate a swift and just resolution to this matter. 

Very respectfully, XXXX XXXX
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (LA)

The U.S Department of Education is in violation of the Cares Act under the Covid-19 forbearance program, they reported late payments for student loan payments to my credit report during this period but student loans are still under deferment and should not be reporting as late to my credit report. These late payments are inaccurate and should be immediately updated to on time payments in accordance with the Cares Act.
Consumer complaint received 2024-07-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC (OR)

I called on ShellPoint mortgage service on XX/XX/XXXX to recast loan. The customer service said I could recast the loan. He mentioned that I would receive a recast request form in the mail since the servicing provider could not direct me to the form on-line nor email my the form. 

On XX/XX/XXXX, I made a payment of {$250000.00}. It was payment to the Principal Only Payment {$250000.00} to reduced the principal of {$370000.00}. 

On XXXX, I called to follow-up on the mailed form as I had not received the form in the mail. The customer service said my request was denied. I received no information for loan servicing on the why the request denied. I requested to appeal the decision. My request for appeal was denied.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-07-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (FL)

I have had ongoing issues with Cashapp. I have had transactions occur where money was taken from my account without my knowledge or permission. When I ask the company I am told I need to start a dispute from the app, which I do. They offer no explanation as to why the money was taken only that I need to file a claim/dispute. This happened most recently for the amount of {$27.00}, & {$24.00}. I was treated rudely by customer service and was removed from a customer service chat without explanation or warning.