davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TOWNE MORTGAGE COMPANY (VA)

It started off that we are unable to make a payment, including additional principal, online. Each month we call to make the payment over the phone so we can add additional principal and they give us a hard time because we can't do it online. They have told us the only way we can pay over the phone is if we pay a {$9.00} fee each month, which would be fine if it wasn't for the fact that the entire reason for the issue is because they can't seem to get there website fixed. This has been an ongoing issue since may of this year when we paid our first payment. We have notified them of the issue on numerous occasions only to be told we are doing something wrong. 
They also will not speak to my wife, who is a borrower on the loan, because they say she is " unauthorized '' to transact business.
Consumer complaint received 2020-12-03
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CO)

I am complaining about a XX/XX/2019 Citi Bank Promotion, that I infact followed there terms and never got paid. I specifically opened an account and transfered money out of my high interest money marketing account, just for this promotion as it sounded like a great deal. 1 year later and have yet to receive the money. Meanwhile im having to pay {$25.00} every month to keep my account open while i fight this matter. They are a complete fraud. Poor customer service. After making a report and them looking into this matter, they still sent me a letter telling me i didnt keep the required XXXX in there account for 60 days. My account had more than XXXX untouched for 5 months. 
The promotion was as follows : Citi Account Package {$400.00} Offer Open new eligible checking and savings accounts in the Citibank Account Package during the offer period XX/XX/2019 to XX/XX/2019. 
Within 30 days of opening your account, deposit {$15000.00} in New-to-Citibank funds between the new checking and savings accounts. 
Maintain a minimum balance of {$15000.00} between the checking and savings accounts for 60 consecutive calendar days. 
I did all of the following. There first excuse was i never deposited the XXXX in time, which was a lie, i opened my account over the phone with there representative who made some sort of error where they claimed my deposit bounced for insufficent funds. I have proof it shouldve never as i never had insufficient funds. They fixed that and assured me i still qualified for the promo. So i went thru with it. Now 1 year later they sending me a letter stating my account didnt qualify as i didnt maintain XXXX in my account for 60 days. Another bs lie, i have my statements to prove so. This whole ordeal trying to get the situation solved has been more trouble than anything. Had i known this is what i would have to deal with to get paid the {$400.00} promotion, i wouldve been better off keeping my money in my money market account earning interest. This is unacceptable. I feel they owe me {$400.00} plus the monthly charges they continue to take from me while having to keep my account open long enough for them to fix there scandless careless errors. Totally unfair and a fraud and i noticed i aint the only one with this problem as i noticed a woman had to take it to the channel XXXX news to get her money. Totally rediculous.
Consumer complaint received 2017-12-15
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Convergent Resources, Inc. (TX)

The aforementioned credit collection agency representing whomever your client is has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX, XXXX and XXXX. 

The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If CONVERGENT OUTSOURCING does not have any documentation, they need to retract this from my credit file immediately.
Consumer complaint received 2023-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

I opened a business checking and savings accounts with Chase on XX/XX/XXXX. A month later, on XX/XX/XXXX another signer on the account, my partner for the business received a unauthorized withdrawal text from Chase Fraud Department trying to confirm if we attempted to withdrawal {$800.00} dollars from the account. We replied NO. I logged in to my Chase app and saw multiple pending withdrawal activities on the app. I called Chase Fraud department right away asking them to stop these transactions. The representative advised me that there is nothing they can do at this time, my money is secure, I would get the money back from chase, they are FDIC insured, I should try calling back on Monday. At first i was shocked with his answer, asked for his full name and he advised that he can not disclose. My partner called CHASE Fraud department and made sure that the cards have been closed. I went to the XXXX Branch and spoke with my banker on Monday, XX/XX/XXXX. He called the Chase Claims department and disputed all the charges on my checking and savings. I advised him that I never received my debit card and confirmed with him that I did not want a debit card or credit cards for this account. 

The total amount in dispute from my checking 's sum up to {$8200.00} and {$1000.00} dollars from my Savings account. Shortly Chase credited me the above amount and I was closely monitoring my account afraid to make any more deposits. On XX/XX/XXXX there was reversal transactions pending in my savings account and checking. Checking account was pending reversal of {$5200.00} dollars and Savings account was pending {$1000.00} dollars in reversal. 

Out of the total loss amount of {$9200.00} that occurred on XX/XX/XXXX, I was only credited {$3000.00} dollars to my account, because they only found that one transaction as unauthorized. I received a letter in the mail dated XX/XX/XXXX from Chase stating that they found " the transactions was processed according to the information you provided or was authorized '', " no adjustments will be made to your account at this time ''. 

I went to the XXXX branch immediately and spoke with the manger. He called the claims department for me and went thru the account details with me. He found that someone did go to a XXXX branch and changed telephone number and pin for a debit card. He also shared this information with the claims department and the answer he got was there's nothing they can do. I have been trying to resolve this matter with Chase employees in numerous attempts and have been no where. I kept trying to call and write to the claims department and does not get an answer. Chase has failed to secure my money as a financial institution and respond to my inquires.
Consumer complaint received 2024-01-29
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: Experian Information Solutions Inc. (TX)

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act 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 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
Consumer complaint received 2019-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (VA)

I had a signature loan for about three years with Navy Federal. I have never gone 30 days past due on my payment. I called Navy Federal on XX/XX/XXXX after discovering they took social security ( protected funds ) from my account to pay towards my loan which was a few days past due. I have spoken to them about this on numerous occasions and they tried to say that because I moved the funds from the savings into the checking that it was no longer protected, which is absolutely incorrect! My loan was due according to my XX/XX/XXXX statement for XXXX. I called and set up two payments one for XXXX to be processed on XX/XX/XXXX and another payment of XXXX to be processed on XX/XX/XXXX to satisfy the remaining balance on my loan. I called their collections department and got the XXXX amount from the representative. Last week on XX/XX/XXXX I checked my online banking app to make sure there was nothing owed on the loan, and it read XXXX $ balance, and I was not past due. Today when I opened the app it said I was XXXX days past due for a XXXX late fee that posted on XX/XX/XXXX. I was not notified of this and was utterly confused as to how I can go from owing nothing and not being past due to a week later I am now XXXX days past due. When I called Navy I spoke to collections twice, I spoke to lending and a lending manager and member services. Everyone acted as if I was in the wrong and it was my fault for not realizing I was going to get hit with a late fee a month later even though I paid off the loan and I was given no reaction time since when the fee posted I was instantly put at 30 days past due. I am beyond furious at Navy stealing my social security funds and then trying to justify it AND me satisfying my loan balance and the amount put on my statement, and still being reported for credit. The lending manager said she would pull the call and if SHE feels I was given the incorrect amount, said they MAY see about getting this removed. Navy Federal is still up to their deceptive ways and I am going to be pursuing legal action.
Consumer complaint received 2020-02-14
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I just called SPS the old mortgage company for my mother XXXX XXXX and they told me, the loan is not closed!!!!!! They told me the loan was short {$1800.00} how can that BE we had the pay off from SPS and I know they are lying because they are now harassing my mother for payment. The big thing is I did not know about this until now!!!!!! They claim they are working with someone called XXXX at phone number XXXX from your company. I need to YOU to take care of this today!!!!!!! I will call you today I need this solved today or that you and I WILL take SPS to court for harassment I need your help the loan closed and has been paid off and now sps wants more money the pay of was paid!!!!!!!! now they are harassing for more money XXXX XXXX. 

They also called and demanded payment from the closing company XXXX after they the closing company called a day before closing to verify the pay was correct!!!! the pay off was correct!!!!!!! 

Return the XXXX You stole from the closing company and stop harassing XXXX XXXX
Consumer complaint received 2021-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO. (WV)

On XX/XX/2021 I applied for a credit limit increase on my Chase XXXX XXXX with a current limit of {$500.00}. The limit increase was denied on XX/XX/2021 for : Balances on accounts are too high compared to credit limits. My credit card usage is between 30-35 % on all major credit reporting. Also, I was under the impress that 4 factors must be listed not one. I also understood that the credit score should accompany this decline. I asked Chase Card Services to reconsider the decline and that was also declined. This time with 2 reasons ... .Not 4 : Too many accounts with balances Balances on credit card accounts are high compared to credit limits. 
The accounts I carry with balances is small compared to the number of cards I have. Again this disclosure contained no credit score. Actually this was not even in the form of a disclosure but a secure message.
Consumer complaint received 2021-05-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (OH)

PayPal close my account for not reason and them will not help me with Getting it back up and going. Every time when I try to withdraw my money from my account PayPal hold my access. 
They just made all difficult for me. My account was already verified with all my personal information and I never made any mistake. 
I never had dispute or charge in my account. I do not know what the problem with PayPal is, but many Users have same problem, and the only answer of PayPal is said was Fraud activity. 
IF PayPal just hold money for everybody, I Guess PayPal must fix the problem. 
My email is XXXX XXXX
Consumer complaint received 2021-05-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: American Credit Acceptance, LLC (AZ)

I purchased an XXXX XXXX XXXX from XXXX XXXX in XXXX az on XX/XX/XXXX which I brought the car for XXXX at XXXX a month for 72 payments thru American credit Acceptance I been paying on time every month since I purchase the car and I notice my payment amount isn't going down at all barely so I called credit acceptance and the told me most of my payment is going to the principal and really not towards me paying off the car at all if I have known this I wouldn't have got myself in this type of loan the way they have me set up I will never pay off this car I even put XXXX of my hard earn money down and the car lot made me feel I will payoff this car very fast I feel I'm getting ripped off can someone please help me or show me how to refinance and get a better deal I'm a mother of XXXX and a grandmother of XXXX on an budget I didnt know all of this working and minimum paying job I would on never got myself in this financial crisis
Consumer complaint received 2021-05-01
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: General Motors Financial Company, Inc. (OH)

The bank paid off the lease XX/XX/XXXX and we had to involved the attorney general then, the bank paid car off now XX/XX/XXXX we tried contacting gm financial for title and they keep blowing me off and each time I spoke to someone they say ten days and the bank never received the title I gave them every thing they ask for and it's still a delay
Consumer complaint received 2021-05-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Avant Holding Company, Inc. (CA)

I applied for a personal loan through Avant months ago and have made payments timely. I've been helping family during COVID-19 and this was the only loan I could get at this time. The interest rate is 35.99 % and I've asked for a lower interest rate and was told they can't do this. It's an excessively high interest rate.
Consumer complaint received 2023-04-07
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. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2021-06-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NY)

On the evening of XX/XX/21, I logged onto my online Wells Fargo portal and was shocked to see a late mortgage payment. To my knowledge, the account was on autopay from a linked Wells Fargo checking account, just as it has been since the inception of this mortgage. I immediately paid the past-due amount and re-initiated autopay in that moment. 

Subsequent communication with customer service resulted in a false accusation that I previously disabled autopay via the online portal. I did not this action and there is no written or digital verification of this action. I keep a very high cash balance in my Wells Fargo checking account and would have no reason to sabotage my own credit or banking relationship. I asked why Wells Fargo hadnt attempted to contact me directly before levying late fees and reporting the late payment to consumer credit bureaus. I was informed that the only attempts to contact me had been made via unidentified XXXX numbers who do not leave voicemails. I received no written communication via US mail as of that date, email, the secure Wells Fargo online message portal, text message, or voicemail. Yet, in the absence of any real communication, Wells Fargo found no issue finding time to impose late fees and report a late payment to consumer credit bureaus. 

After disputing the late payment reporting, Wells Fargo has refused to amend the credit reporting despite the fact that they are directly responsible for the late payment. They keep referring to any basic dialogue or customer service as " a courtesy. '' Their actions feel shady at best, and are designed to work against the customer 's best interests.
Consumer complaint received 2020-12-03
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. (FL)

HAVING ISSUES WITH THE CREDIT BUREAUS PROCESSING MY PAPERWORK. WHEN I'VE CALLED TO CHECK ON THE STATUS, THEY SAY THEY HAVE NOT RECEIVED ANYTHING FROM ME BUT I MAILED MY INFORMATION BY CERTIFIED MAIL AND SOMEONE SIGNED FOR IT.
Consumer complaint received 2021-05-01
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. (WA)

Leased XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. Paid monthly payment {$430.00} on time every month and returned the vehicle on XX/XX/XXXX prior the the lease end date. Dealer provided me with the Vehicle Return Receipt XXXX attached XXXX that he and myself signed agreeing the car was returned on time with no damage. It was at that time that I was told there was nothing else I needed to do and I left the dealership. On XX/XX/XXXX I had a missed call and voicemail from XXXX XXXX asking me to contact them at my earliest convenience. I called back that same day and spoke to a representative who said I needed to pay a " return fee '' for my lease. When I originally leased the car I made sure to ask the dealer if there was return fee, as I had experienced this with a past lease, and they said " we do not do that ''. Therefore I was a bit surprised by the representatives call saying I needed to pay this but agreed to as she said it was required. After paying she said everything was taken care of and nothing else was needed on my end. It has now been brought to my attention that this payment was late and is effecting my credit negatively. When I spoke to the representative she did not make mention of the payment being late and did not make mention of past attempts to get in contact with me. In looking at my XXXX account I see mail correspondence was sent to my old address and never got forwarded to my current address. If there were additional calls made to me regarding this I was unaware as a voicemail was never left until XX/XX/XXXX. If I had been made aware of this when dropping off my car and signing the vehicle return receipt I would have paid it right away but I was told everything was completed and there was nothing else I needed to do.
Consumer complaint received 2020-12-03
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. (FL)

HAVING ISSUES WITH THE CREDIT BUREAUS PROCESSING MY PAPERWORK. WHEN I'VE CALLED TO CHECK ON THE STATUS, THEY SAY THEY HAVE NOT RECEIVED ANYTHING FROM ME BUT I MAILED MY INFORMATION BY CERTIFIED MAIL AND SOMEONE SIGNED FOR IT.