davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CADENCE BANK (FL)

Hello, My ex and I recently refinanced a home. I was to sign a quit claim deed removing myself from title prior to closing. The loan officer refused to send me a copy of the closing disclosure even though I wasnt removed from title at the time of closing. 

I brought this to the attention of the closing agent, XXXX XXXX XXXX in XXXX, Alabama. The closing agent wouldnt help me and actually let them proceed with the closing without me even signing the quit claim deed. 

I was given a copy of the closing disclosure after my ex insisted that his loan officer, XXXX XXXX at Bancorpsouth, send me a copy. 

I worked in mortgage for years and I know that all parties on title are to receive a copy of the closing disclosure at least three days prior to closing. I am writing to complain because I dont understand how they were allowed to close before I even signed the quit claim deed or received a copy of the disclosure.
Consumer complaint received 2024-06-04
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (IA)

We are going on a family trip to XXXX and I booked a hotel in XXXX using my credit card. The charge for the hotel showed up along with a {$19.00} fee for exchange rate. I know this is not a large amount but I was not aware of a fee for exchange rates and I feel like this is unfair and abusive fee. None of my other credit cards charge this fee so I called to ask that they do a one time courtesy waiver for me and they refused. Im sorry but that is pretty petty on their part. Ive been a customer for many years and spent thousands of dollars on this card and they cant even waive one small fee for a loyal customer?? This is beyond acceptable and predatory. I just want the fee removed or I will close my accounts both credit and checking.
Consumer complaint received 2023-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

My husband and I have had ongoing problems with USAA for at least 2 years. This complaint concerns a hacker/phisher/smisher who hacked their phone and fraud text systems. 

On the evening of XX/XX/XXXX or XXXX, 2023, the above criminal called, apparently from USAAs main number, and asked about a fraudulent transaction. He had numerous details about our account that only USAA employees should have. We spoke with him for about half an hour and then realized he was phishing. 

This individual made over {$5000.00} in fraudulent charges. We reversed them, but USAA still has not secured their systems. 

We have emailed USAAs CEO several times since then, and despite repeated direction to *only* *email* us, they continue to call from the XXXX and XXXX numbers, which are clearly not secured. We have most recently tried to reset our passwords and have not been able to. 

We advised the CEO on XX/XX/XXXX that because we are locked out of our accounts, we can not verify what we owe. They have charged us interest in spite of this. 

USAAs negligence regarding customers data violates numerous financial regulations. **We will forward all relevant emails once we hear from the CFPB. **
Consumer complaint received 2022-01-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (MD)

I received several emails from TD bank stating '' thank you for opening up a checking and savings account with them '' I called the bank fraud department to submit a complaint and put a stop to any service rendered. I'm submitting this complaint because TD bank allowed accounts to be open easily without taking extra steps with a person identity or social. I never in person open any accounts with TD banks and for them to allow fraud to occur with their bank so easily is very upsetting. Please handle this issue. I work to hard for me to go through fraud thefts.
Consumer complaint received 2024-06-04
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: CITIBANK, N.A. (IL)

XX/XX/2024 {$120.00} was charged to my CitiBank XXXX. I tried to get info on where, who, address sent to and what was purchased with no answer. They extended a temporary credit and then reversed it. XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-24
Product: Credit card or prepaid 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 (NJ)

I made a purchase in XX/XX/2021 for {$350.00} for vitamins. I received an empty envelope. I contacted my discover card and filed a dispute. They have taken the charge off and on since then I had text and proof of my purchase and photos of empty package. I did not buy web design as the vendor stated. I backed up my claim and discover received my backup. On XX/XX/XXXX they put the charge back on my card without telling me in writing or phone. I still have no letter or proof of vendors claim which is the law and no letter stating I can appeal I have called discover 3 times but they just stalled. I spoke to XXXX in exec office at discover. She never called back as promised. She finally said they sided for the vendor. I said you are taking his word over mine and they said he is a client too. Thats strange since Im the one missing {$350.00}. 
I am attaching backup of texts and my empty envelope and my emails claiming nothing was in the envelope.
Consumer complaint received 2021-03-09
Product: Credit card or prepaid 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: CITIBANK, N.A. (MA)

This is the second time I filing a complaint about Citi credit card. The first complaint was filed on XX/XX/XXXX. The ID # XXXX. Citi sent me a letter explaining why they are not able to resolve my dispute. However, in a typical for this company manner, they completely ignored what was in my complaint. My complaint was about how they failed to update the disputed amount from {$7200.00} to {$1000.00} for over 2 months. As, a result they didn't to apply the {$6200.00} to my account that I sent on XX/XX/XXXX and continued to pursue the dispute for {$7200.00}. They failed me as a customer every step of the way. Their dispute department failed to update the amount after seven calls and three emails and two letters that I sent them. Now they are planning to collect the interest and the fees from me for the whole disputed amount {$7200.00} although {$6200.00} have been sitting in the account for 2 months. There was not one sentence in the letter about how the dispute department failed to update the amount and lied to me every time I called and no apology for their terrible customer service. And in a typical Citi matter, after I made a phone call to the representative from the Citi Executive Response Team that was assigned to my case, he never returned my phone call. 
How can this company continue to conduct business in such a disrespectful and negligent way! There was no acknowledgement or apology about failures in the Dispute Department about updating the disputed amount! I am completely outraged! This is bad business!
Consumer complaint received 2022-08-29
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. (VA)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.
Consumer complaint received 2021-09-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Navient Solutions, LLC. (TX)

My name is [ XXXX XXXX ], and I am sending this request myself to address the inaccuracies on my Credit Reports. The particular account position that is recently filing on this credit document has a seriously unfavourable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX, XXXX and XXXX. Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2021-09-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC (TX)

My name is [ XXXX XXXX ], and I am sending this request myself to address the inaccuracies on my Credit Reports. The particular account position that is recently filing on this credit document has a seriously unfavourable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX, XXXX and XXXX. Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2021-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

On XXXX I wrote a dispute letter to Experian explaining my credit report indicates I have a charge off with XXXX XXXX XXXX XXXX that was charged off back in XXXX  of XXXX and since then the account has been repeatedly updating as charged off every month and to my understanding charged off accounts should not include a payment history and also manipulates the statue of limitations. I demanded a deletion and Experian completed the dispute by saying update and I reviewed my credit report after the dispute was completed and the monthly charge offs are still be reported on my credit
Consumer complaint received 2021-04-14
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. (PA)

for the record i would like to first state that my papers are notarized showing you I am indeed who i say i am. On XX/XX/2021 I sent a letter dealing with unknown, misleading, unverifiable things on my credit report. till this day now well over 60 days later i haven't received any response. Now this is unlawful and just overall bad business. I feel that I am being taken advantage of and my dispute is going ignored. The law, Section 611 ( a ) to be exact states clearly that a failure to investigate these item in 30 days gives reason to immediately remove the items in question from my credit report. it has been over 60 days so they should be deleted immediately or I will file litigation due to all this stress caused to me. Also my information was impacted by the Equifax data breech and might have got into the wrong hands or information mixed.
Consumer complaint received 2024-06-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/year>, XX/XX/year> and XX/XX/year> Jp Morgan Chase Bank charged me {$34.00} overdraft fees totaling {$100.00}. Ive banked with them for over 12 years and believed I had overdraft protection on, I was still charged overdraft fees, I had autopays for bills that came out unbeknownst to me and they charged me excessive overdraft fees. I have added money to my apple wallet and instead of not adding the money to prevent overdraft they allow it than charge me overdraft fees too. I have financial hardships and they continually charge me overdraft fees to make my situation even worse. Ive asked them to waive fees through their help phone and secure message center and they deny refunding the excessive overdraft fees. This is not right and I am considering using other financial institutions that do not charge or take advantage of their customers.
Consumer complaint received 2022-10-07
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. (NC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-04-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc. (MO)

{$500.00} was taken from from cashapp available balance on XX/XX/XXXX going into XX/XX/2023. The company ( Cashapp ) can not tell me where my money is or what transaction lead to taking it. Please I need my money back.
Consumer complaint received 2022-01-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (OK)

Company : Midland Credit Management Date contacted : XX/XX/22 Representative I spoke with : XXXX XXXX ( XXXX ) XXXX My checks at work started to be garnished without notice on XX/XX/22 and I looked on my credit report to find the debt. I assumed it was MCM and contacted them. I explained my situation that my checks were being garnished at work and I was not able to pay my bills nor live off of the wages they were leaving me with as I have XXXX kids under XXXX y/o. The representative falsified information in order to receive my bi-weekly payments. XXXX XXXX stated that if I set up a payment plan the garnishment would stop. The garnishment was not through MCM and she lied to me to receive my payments. 

I am now paying via XXXX from my bank account that I can not afford. On 3 accounts = {$200.00} every other week. And my checks are still being garnished!
Consumer complaint received 2022-01-15
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. (DC)

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (TX)

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that PROCOLLECT would verify the debt. So I took it upon myself to ask PROCOLLECT for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX  XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Consumer complaint received 2021-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

my students loan are reporting late payments back in 2015 however i was never late disputed with the credit companies XXXX XXXX and experian i seen no proof ive sent in proof and it still reporting late payment on my credit which is keeping me from getting approve for a home loan
Consumer complaint received 2020-01-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC (FL)

I purchased merchandise through this company. My contract specifically states that i will not be charged until ALL parts and merchandise have been received. Which they have not. I have explained in detail that ibhave not received everything therefore legally they cant charge me until it is received. Acima credit states the store did deliver everything and they did not. I have attempted multiple times to contact the store to no avail. Therefore im not paying anything.
Consumer complaint received 2018-02-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC. (WA)

I received a letter from a 3rd party debt collector who was attempting to collect a debt of XXXX. on or around XX/XX/XXXX. I wrote a response and mailed it XX/XX/XXXX certified mail asking for more information about the debt before further collection attempt be made. the letter from the debt collector showed the last date a payment was made on this account was on XX/XX/XXXX. In Washington state the Statute of limitations to collect is 6 years per ( RCW XXXX ) I stated in my letter if in fact this debt was mine it would be to old to collect by law. The Debt collector didn't provide any information that I requested via my response letter sent certified mail, and in turn sold the junk debt to another collection agency. this should be a direct violation of the law per FDCPA. Thank you for reading my complaint.
Consumer complaint received 2017-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (SC)

Chase Sapphire closed my credit card account with the credit limit of XXXX that I open XXXX XXXX XXXX and they closed my account XXXX XXXX XXXX for a charge off i end up moving and I never received my card and it was fraud charges that made my balance XXXX when I recently opened a XXXX XXXX for the first time to check my score and saw it, I called chase and told them about it and since I never made the charges and never received my card I requested for them to reopen the account and send me a new card they told me they was n't able to but they will start a fraud investigation and I would have to reapply again I do not want to do that and they pull my credit I should n't have to when I never made the charges and when they investigate it they will see that
Consumer complaint received 2023-04-28
Product: Credit card or prepaid 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: Block, Inc. (KY)

On XX/XX/21 I made 2 online purchases and about 10 mins into it after sending the money I found out that it was a scam so I immediately cancelled the transaction and notified my method of payment and explained to them wat happened and they told me that I would have to wait until it completed so I did and then they tell me to dispute the amount so I did and then they wrote me back and told me that they didn't see no error and denied my case not just once but 4 times one for XXXX and the other one is XXXX
Consumer complaint received 2023-08-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (CA)

I was being charged for " data time '' for which I was trying to recover a hacked account. The scammers used CashApp as well as XXXX and other platforms to scam me with the promise of doubling my money, which was never what I was looking for. I wanted to recover my hacked account. It turned into holding my money as hostage against me.
Consumer complaint received 2022-01-26
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: Experian Information Solutions Inc. (MN)

On XX/XX/22 I applied for a home loan and discovered an old debt thats not mine. The status is closed but on my report it shows that there was a balance of {$8000.00}. I contacted XXXX XXXX XXXX and they have no record of me.
Consumer complaint received 2021-09-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc. (NY)

XX/XX/2021 at XXXX was contacted by an Amshare representative in regards to a XXXX account. I requested written notification, representative informed me it was not sent out due to the fact the collection was only 1 day old and the just received the request to collect debt. Representative claimed it will be sent out. Never received written correspondence. XX/XX/2021 at XXXX, received a call from an Amshare representative in regards to debt collection. Informed her that I had requested and never received written correspondence, she said " Have a nice day '' and hung up. XX/XX/2021 at XXXX, received a call from an Amshare representative, informed her I was called earlier in the day and informed the previous representative that I request written correspondence that I have never received. Representative informed me that they do not send out written correspondence, they are solely electronic and online and will not send anything in the mail.
Consumer complaint received 2021-09-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (FL)

Check written on XXXX for {$6000.00} to XXXX XXXX for a mortgage payment mailed same day. Check was intercepted and stolen from mail and cashed with XXXX XXXX  on XXXX with payee altered to XXXX XXXX. 
Contacted Chase Bank fraud department and instructed to submit an affidavit detailing issue. Affidavit sent and receipt verified by Chase Bank. 
XXXX Police Department contacted and statement given : case # XXXX Detective XXXX. 
Response by Chase Bank is that because we do not have a carbon of the original check they will not reimburse.
Consumer complaint received 2022-06-07
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. (OH)

In accordance with the Fair Credit Reporting act XXXX  Account, 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 instructions