davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-11
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I XXXX XXXX had a Capital One limit of {$3200.00}. I been subject to a fraudulent operation on which a Third Party XXXX XXXXXXXX XXXX XXXXXXXX XXXX, contracted me and made me purchase products using my capital one credit card without being reimbursed totally. 
During this fraudulent operation, XXXX XXXXXXXX XXXX XXXXXXXX XXXX made me purchase goods in excess of {$10000.00} with only partial reimbursement of {$5500.00}. 
Capital increased the credit limit without any warning to make aware me of the fraudulent operation. thus allowing account balance to exceed limit. Mi original credit limit is {$3200.00} Regards, XXXX XXXX
Consumer complaint received 2022-03-10
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a prepaid Bank of America Visa card with about {$40000.00} on it as a result of California pandemic unemployment payments. 

Bank of America will not permit me to take the balance of all funds from the card and deposit same into my checking account at another bank. 

They will only permit periodic transfers of {$3000.00}. 

After calling Bank of America, I went to a Bank of America branch oXXXX XXXX in XXXX XXXX, California and the teller with whom I spoke asked me if I had an account at Bank of America ( no ), told me that there was a limit on my ability to withdraw from the card and that I need to get my bank, XXXX XXXX XXXX XXXX, to transfer the funds from the card into my account. I went to XXXX XXXX XXXX XXXX this week, after Bank of America, and was told that Bank of America has to transfer the funds. 

I spoke with Bank of America over the telephone twice and got different information each time. 

This seems to be an unfair business practice since Bank of America will hold onto these funds, pay no interest, until I can serially remove {$3000.00} a week from the card until exhausted. 

I read the " California Employment Development Department Digital Account Agreement '' ( effective XX/XX/2020 ) and it says nothing about a limit. In fact, it states that one can close the account by requesting a check for the balance and paying a " paper check fee. '' Please see what you can do to allow me to close this account and deposit my funds into XXXX XXXX XXXX XXXX. 

Thank you
Consumer complaint received 2018-03-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synerprise Consulting Services, Inc. (TX)

During my XXXX I was insured by medicaid. I was under the impression that medicaid would cover all cost. When i called the collection agency they mentioned to me that this debt could have been from the XXXX/XXXX that was given to me.
Consumer complaint received 2024-03-15
Product: Credit 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: CITIBANK, N.A. (FL)

On XX/XX/XXXX I noticed unauthorized charges on my account from XXXX that I did not purchased. I reported them to Citi Bank. They cancelled my account and re-issued me a new credit card. There was XXXX charged that they reversed the credit on XX/XX/XXXX in the amount of {$35.00}, {$25.00} and {$10.00}. I called again to re-open the dispute. I was told they had to re-investigate the charges and they had up to 90 days to investigate. On Feburary XXXX, XXXX I sent a letter to them along with proof of my XXXX account showing the purchases that I made and there was no purchases in the amounts that I was disputing. It's now XX/XX/XXXX and still no resolution and they now saying they have to send it to billing department for investigation and they have up to XXXX billing cycles to reveiw. In the meantime, they won't re-verse the charges which is causing my account to be past due with interest fees and late payments and my XXXX XXXX XXXX has dropped to XXXX due to this as they reported as non payment to the credit bureau. I refuse to pay for charges that I did not make!!!
Consumer complaint received 2017-10-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (TX)

I have been informed that negative information was reporting on my credit report by a collection agency with the name of XXXX XXXX. I contacted this company by certified mail twice to get validation of debt amount owed. this company has failed to reply or send me any type of mail about this debt that they are falsely reporting on my credit report. I have received confirmation through the USPSP that this company received my certified letters but have yet to respond in a timely manner. I gave this company well over 30 days to send me validation of debt owed on the first go round and have not received anything since, this company states I owe XXXX $ but I will not pay this collection agency any type of my money without sufficient validation. I have asked this company twice to validate this debt bearing my signature or to show some type of contract I have between this company & I. It is by law by the FCRA THAT I CAN REQUEST VALIDATION AND IT MUST BE SENT TO ME. Not only is this company blatantly disobeying the law & being willful non-compliant but also not giving me what I am respectfully asking for. This company only marked my account disputed on my credit report but have failed to send me any documents of what I am asking for. I have the right to demand to see a signed contract between, e and XXXX XXXX. If this company is hired by a 3rd party company then I request validation and NOT verification of the debt meaning a signed contract from the original company and not a itemized or generic bill. a bill is considered proof of debt, not validation.
Consumer complaint received 2020-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mercedes Benz Financial Services (NY)

With regard to the aforementioned Benz has inaccurately reported payments on my account for a total of 19months of my 36month lease from XXXX. 

The car I leased was shutting down on the highway from the third month of purchase. Benz refused to get me out of the lemon and as a means of protecting my credit I was forced to pay almost $ 1000 monthly until the completion of lease. During this time I have never been late, they have reported late payments on my account. I have never missed a payment, yet for over 15 months in the tenure of the lease they have not reported my payments. 

Upon the completion of the lease, instead of severing ties with Benz I opted to make a purchase of the XXXX XXXX XXXX XXXX. I was approved for a custom build and paid the necessary deposits to have this process started. I was further promised 3 months of credits given I was waiting on my build and was in good standing with my credit and other payments. 

After waiting three months I was told that the credit would not be applied and was forced to make the payments. Upon refusal to do same, the manager I dealt with maliciously reported me as delinquent thus affecting my credit score by over 100 points. Further, to add insult to injury Benz refused to sell me the car I waited for after this malicious move was made. 

My credit to date reflects a balance which has been applied twice in recent months only to be removed when I contacted Benz, their information provided has always confirmed as inaccurate contacted via phone. 

I am of the impression that this is deliberately/maliciously being done. I need this to stop for no consumer should be taken advantage of in this regard.
Consumer complaint received 2018-01-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNTRUST BANKS, INC. (FL)

XXXX XXXX my XXXX XXXX deposited funds into my bank account and told me they would be ready in XXXX business days at my bank. All of the other students in my class received their funds as well already and I am the only one to not receive the funds. I called the bank SunTrust, everyday and e-mailed them and even contacted Headquarters to tell them that I was being denied the availability of my deposited funds. They never responded and every time I called customer service they kept asking how much it was and where it was coming from and they kept refusing to give me this information intentionally. It is the 6th day and the funds have not shown in my account and my school keeps confirming that it has been sent.
Consumer complaint received 2024-03-15
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (ME)

I have called the company multiple times and sent them a letter requesting they stop sending me marketing emails for a credit card for my company, XXXX XXXX XXXX XXXX, which no longer even operates. They refuse to stop sending me the spam mail.
Consumer complaint received 2019-05-11
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (KY)

XX/XX/XXXX we purchased a ring at Sears with a sears credit card under the agreement we would have 24 months 0 % apr for a {$740.00} purchase. Well in XXXX of XXXX we get a statement showing that we are paying {$170.00} in interest. We called and were told that's an error we have 12 months left of no interest so they reversed the interest charge. Then we get a statement showing in XX/XX/XXXX we still owe {$400.00} and XX/XX/XXXX, we call and speak to a representative named XXXX that says she sees we are under a 24 months 0 % apr agreement. Yet we are paying interest every month as the statements have been showing small interest charges for random amounts ranging between $ XXXX {$7.00} since they supposedly reveresed the interest charge. When we spoke to the representative she said the statement shows no interest for this month, but we are still locked into the 24 months 0 % apr. Now we explained that if the purchase is 0 % for 24 months in XX/XX/XXXX and that is the only purchase on that card, and we are doing 30-40 dollar payments every month then by XX/XX/XXXX we should have a 0 balance. However we are finding that the statements say 0 % apr  yet the balance is still being charged an interest charge every month. We were told a solution should be there for us with in 48 to 72 hours by XXXX. However this is the second time this occurred and we have 0 confidence that a solution will happen.
Consumer complaint received 2018-03-27
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. (FL)

I went to XXXX on XX/XX/XXXX with my significant other, while staying there on XX/XX/XXXX I got a fraud alert from my chase credit card to which I responded and then contacted as advised via text. I spoke to an agent and quickly got the issue resolved ( which I appreciate greatly for there protection ). Two business days later I received my new card and continued my usual routine. On Wed XX/XX/XXXX my credit card gets declined w/o warning, I ask the clerk to try my card once again and it gets declined a second time. To my surprise I do not get a fraud alert or anything via text so I call. I speak to someone on the phone at about XXXX XX/XX/XXXX and he tells me that they decided to close my account but he had no information. I decide to call later that afternoon around XXXX and I get told that they are closing my accounts because " our affiliate is ending its banking relationship with you '' and nothing else that there is nothing that I can do and to wait for a letter. Today XX/XX/XXXX I get a letter dated XX/XX/XXXX stating nothing more than " our affiliate is ending its banking relationship with you '', so I call and speak to n account supervisor, she states that chase is closing my accounts because chase, chase bank, XXXX XXXX, or one of its affiliates has ended an account with me so that they are doing the same. I told the account manager that the only other account I've ever had with chase was the credit card that was closed a week earlier due to fraud, she stated that there is nothing more in the file and that they were ending our relationship ( end of conversation ). As a client for 17-18 months with a credit line of around 40,000 I am appalled to not get any reasonable explanation, I have excellent credit, always pay on time, and had just made a few payments earlier this month. I asked many a time if it might be a clerical error due to my other account being closed and they say they will not do anything in regards to my accounts. For a business with that high of a status and reputation I think it is negligent to brush off a loyal client off like that without trying to resolve the issue ( I even tried to get my mortgage with them but had offered me too high of an interest rate ).
Consumer complaint received 2017-07-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (NY)

I applied for a mortgage at the beginning of this year with  XXXX   XXXX . I had an issue with my credit report that I was unaware of. I apparently had  XXXX  outstanding  XXXX  accounts amounting to {$740.00} that I do not owe. I 've never had a landline or cell phone with  XXXX .   XXXX  On my credit report, it states  XXXX  account was opened on   XX/XX/XXXX   for a  XXXX   XXXX  for {$590.00}. Then,  XXXX  {$150.00} opened o n  XX/XX/XXXX .    XXXX  When I called  XXXX , they gave me an account number associated with the account :  XXXX . But they told me they could not help me resolve this issue since the account had been sold to a third party collection agency.    XXXX   I started seeing a financial  counselor  to help me with this issue.
Consumer complaint received 2018-03-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Eagle Home Mortgage, LLC (GA)

I purchased a new construction home and utilized the builder 's preferred lender XXXX XXXX XXXX. The day before closing, I questioned the amount being escrowed for taxes as well as the amount due at closing for prepaid taxes. The company loan officer revised the estimate of annual taxes and the monthly amount escrowed based on the calculation provided by the builder 's closing attorney for new construction in XXXX County, Georgia. This revision resulted in a {$550.00} decrease in the estimated annual taxes and lowered the monthly payment by {$46.00}. However, 7 months of prepaid taxes were required at closing. 

On the CFPB website, it states that " Before your loan closes, the lender will estimate the total annual expenses that need to be paid from the escrow account. You can be required to pay a part of the estimated annual total in advance, but no more than a maximum of one-sixth of the total ( this gives you a two-month cushion ). On top of the cushion, every month, your servicer can require you to pay one-twelfth of the total annual escrow payments the servicer reasonably anticipates paying out of the escrow account. 

I escrow my taxes and insurance. I paid a full year of my homeowner 's insurance at closing and 7 months prepaid taxes. My insurance is {$570.00} annually. My taxes are {$4100.00}. The amount escrowed each month is {$390.00} or {$4700.00} annually which is the total of my taxes and insurance. 

The law limits lender 's to receiving no more than 1/6 or 2 months of a cushion for escrowed expenses. I paid an entire year of my homeowner 's insurance in advance and the lender collected 7 months of prepaid taxes at closing. The lender received a 12 month cushion for my insurance and a 7 month cushion for my taxes. The loan closed XX/XX/XXXX and taxes are not paid until XX/XX/XXXX. 

I have requested of the lender to return 5 months of my prepaid taxes, but they would not and stated that " this is how we closed all the loans with this builder ''.
Consumer complaint received 2019-03-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of Identity theft and it has been an absolute nightmare trying to get back on track and get my life some what back together. That said, the bureaus are not making the process any easier. I have sent them a stamped copy of my police report, a notarized statement and a fraud affidavit payment and to my dismay the fraudulent entries still remain. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-27
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (IN)

Synchrony Bank for Lowes suddenly added security fees to my account. I never authorized this service. It is something you can sign up for through a lengthy process, which I never even attempted since the credit limit they gave me was fairly lowe when I opened it. They slowly raised my limit and then added this fee one day and I didnt notice until I was trying to figure out why my balance wasnt going down even though I was paying more than the mininum fee.
Consumer complaint received 2017-12-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hillcrest Davidson & Associates (PA)

XXXX XXXX, 2012, I registered for an alarm system and monitoring service for my home with XXXX XXXX. Immediately after installation, the equipment installed stopped working. I contacted the company and explained the situation. They refused to repair the problem. Consequently, we no longer paid for a service that had never been provided. Regrettably, several years later, I find that this company is pursuing me for this debt through a debt collection agency. This is a terrible business practice. The company is relying on the amount of time that has passed to pursue a bill that they had by no means earned.
Consumer complaint received 2020-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Greetings, I sent a dispute letter to the credit bureaus such as Equifax, XXXX and XXXX but they are not doing anything to solve my problem. 

I have inaccurate information on my credit report that is affecting my credit score, I want to resolve this as soon as possible.
Consumer complaint received 2017-10-13
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: EQUIFAX, INC. (WA)

Each complaint I make is resolved and other errors appear XXXX  said it completed its investigation of my complaint of XXXX XXXX XXXX XXXX account it said it did not have complete information I gave them a three-paragraph statement along with dates names and full information the Creditor isre reporting for example no payment received in XXXX or XXXX yet they take it directly from my bank account on auto pay I have advised the credit bureau of this they still reported that way I can prove it it comes out of my bank account automatically between the XXXX - XXXX of the month until paid in full 2017 the next payment will come out in XXXX 2017 the prior payments were XXXX between XXXX XXXX and XXXX and XXXX XXXX and XXXX both in 2017 they also report me as {$7.00} past due I am not past you they themselves take it from my account per our agreement my high credit limit is incorrect they do not report the {$300.00} original credit limit and the {$61.00} original purchase from XXXX XXXX XXXX XXXX they report credit limit of XXXX and a balance of XXXX this is incorrect the high balance ever was {$61.00} principal for jeans I purchased the remaining amount is fees and interest that I pay monthly from my bank account per oral agreement which was recorded by them I gave them XXXX XXXX XXXX XXXX account my routing and bank account number they take {$20.00} per month every month the balance is {$100.00} as of today 's date XXXX XXXX their last reporting was XXXX XXXX of incorrect information last payment received in XXXX not true it comes directly from my bank account they receive payments in XXXX and XXXX both in 2017 how does XXXX  see this as incomplete information? I am also not in right off as XXXX XXXX claims with XXXX XXXX because they take their money directly from me XXXX XXXX the original creditor they have been doing so since XXXX 2017 they made payment arrangements that were recorded by them with me XXXX XXXX 2017 they accepted {$61.00} for principal owed and agreed to waive the equal amount of {$61.00} in late fees and interest which they did it 's on my statement and their statement and then they agree to take my bank account number to automatically withdraw XXXX per month until interest and fees were paid off which they are doing yet XXXX days later they report me as a write off as they continue to take money from me this is XXXX XXXX  has not investigated this properly at all
Consumer complaint received 2018-01-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (MN)

I 'm trying to sell my crypto currency. XXXX bitcoin and XXXX ethereum in my Coinbase account. I want to liquidate and turn this into cash. Whenever I try to sell it says I need to verify my identity. I am unable to verify my identity and it gives no support. My information is correct and I am within my sales limits. I have tried countless times to verify and I get the same nonhelpful error message saying they could not verify my identity. My money is now frozen because they wo n't let me sell without verifying my identity and their identity verification is broken. I want my money out asap but they 're essentially holding it ransom. I was able to buy and sell before and then suddenly my accounts were frozen. I have uploaded my ID and given them my ssn and still can not access my funds.
Consumer complaint received 2021-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (NJ)

i was unable to finish course and had a XXXX XXXX school denied me the right to come back and finish course, therefore was left with the student loan they were going to investigate meanwhile they told me they would freez the account beacuse i had no income. now i see its on my credit report inaccurate and its affecting my livelihood. i would appriciate help with this matter has soon as possible. have this remove thanks