davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST HAWAIIAN, INC. (HI)

In XX/XX/2021, I applied for a mortgage with First Hawaiian Bank ( FHB ). After submitting my complete financial and employment history, my mortgage loan officer, XXXX XXXX ( XXXX # XXXX ), recommended that I pay for a rushed home appraisal ( {$700.00} ) and mortgage lock rate ( {$1700.00} ). Per XXXX XXXX 's guidance, I submitted a check for the mortgage lock rate on XX/XX/2021 and paid for the rushed home appraisal on XX/XX/2021 via my credit card. It was my understanding that after submitting both payments my mortgage was finanalized -- XXXX XXXX stated nothing to make me believe otherwise. However, prior to submitting these fees, XXXX XXXX failed to disclose : ( 1 ) she had little to no communication with the FHB mortgage underwriter up to that point, ( 2 ) the loan was not even close to being finalized, and ( 3 ) there is a possibility I will not receive 100 % refund should my mortgage be denied. Thus, it was out of blind faith, and trust in XXXX XXXX 's advise, that I paid both fees. It was not until XX/XX/2021 that I received the preconditional loan approval -- weeks after being advised to submit the fees. Similarly, it was not weeks later that I learned the FHB mortgage underwriter had concerns regarding my financial eligibility and my mortgage approval was in jeopardy. My mortgage was ultimately not approved. The fact of the matter is, if I would have been correctly advised, I would have never submitted either payment. I've raised my concerns with FHB, and attempted to dispute the fees with XXXX XXXX 's supervisors, but they insist they have done nothing wrong and there is nothing they can do to help.
Consumer complaint received 2019-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AK)

XX/XX/2019 this is one of multiple calls received they claim they are from Bank of America offering to lower my interest rate to 0 % - This phone number belongs to some one in XXXX Alaska. they called from XXXX. I gave no information and hung up.
Consumer complaint received 2019-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO. (AL)

I have 5 hard inquiries on my credit score ( XXXX ) which are the the following : XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) Chase Bank USA, N.A ( XX/XX/XXXX ) Chase Bank USA, N.A ( XX/XX/XXXX ) XXXX XXXX XXXX   XXXX, ( XX/XX/XXXX ) All they are is XXXX XXXX XXXX getting background information about getting service at my apartment and chase is for applying to a credit card which I use everyday! So, why hasn't all this been removed yet? 

These things haven't been removed and it's been over 5 years on most of these inquiries and I know for a fact that these usually have a limit of up 2 years. 

Please remove them!
Consumer complaint received 2019-02-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: SYNCHRONY FINANCIAL (KY)

The company name is XXXX XXXX XXXX, XXXX This company has harrassed me for over 2 years now, through repeated phone calls back to back, through the mail every month and even having the local Sherriff department come to my house 3 times. They have already started leaving voice messages on my son 's phone, and even after I block their number they will use a different number to get through to my phone.

When I was able to work full time I paid my bills on time, but when I got hurt on the job and was not able to return my bills have been piling up. When this company continued to harass me, the last visit that I got from the Sherriff office the officer advised me to just contact them and explain my situation. So I did and with me having XXXX and XXXX to which I take medication, I called XXXX XXXX. The guy over the phone told me that this debt was not going away and that I needed to set some type of payment arrangement up to avoid further court procedures. I explained that I only received Social Security XXXX and struggle to keep the rest of my bills paid. He took my prepaid debit card information and had me set up withdrawals from my Social Security XXXX check. 
After a few withdraws from my Social Security check, I had to stop the automatic withdrawals because it was either pay my electric, water, auto insurance, and other bills or do without these needed services. 
On my credit report, I noticed that not only is XXXX who is the original company that I owed the debt was impacting my credit and asking for payment. XXXX XXXX is also on my credit report with the same amount owing to them as well. Both XXXX and XXXX XXXX have put late payment status and amount still due on my credit reports. XXXX XXXX has continued to harass me since XX/XX/XXXX, through letters in the mail, and civil summons being served to me 3 times and repeated phone calls. 
On XX/XX/XXXX, I received another civil summons from XXXX XXXX, I called and spoke to a lady over the phone and she immediately tried to get me to give her all my personal information. I explained to her that if she could please note my account that I can not pay this debt because I only receive Social Security XXXX and that even though they continue to have the Sherriff come to my house, I still can not pay this debt. 

I have a long call list on my phone as well, but I don't know how to get this information to you. I will reach out to the prepaid debit card company for my history of transactions, that will show when XXXX XXXX started automatic withdrawals on my account and when I had it stopped.
Consumer complaint received 2017-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: JPMORGAN CHASE & CO. (MN)

Card Member Services continues to call me to lower my rate. best part. i have NO outstanding debt! I have asked them repeatedly to take me off their list. They just hang up on me. I block the number and they use a different one. It is harassing and I want it to STOP! 
the last number to call me was XXXX XXXX XXXX. When I call back, it just rings and says person is not available.
Consumer complaint received 2020-11-27
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 (CA)

I previously disputed a charge to my Discover credit card account in the amount of {$250.00}. As I explained before, this charge came from XXXX XXXX XXXX. This clinic was illegally providing medical treatment to unsuspecting patients. They were falsely advertising their business as medical spa when it was actually a day spa. They have no medical doctor at their clinic and all medical assessment was done by either a nurse or esthetician when it should have a medical doctor. If I had known earlier of their illegal activities I would gone to legitimate med spa clinic for my laser treatment. They deceived me and took advantage of me. They also put my health at risk. Therefore, I ask for a full refund of {$250.00} through charge back. After Discover received a treatment form and sales receipt from the vendor, they concluded that the transaction was legitimate and decided to take the side of the merchant. I feel Discover did not do a due diligence when making an investigation. The documents they received were not enough to establish the legitimacy of the transactions. I only have one simple request at this point. If Discover could reopen the case, they need to contact XXXX XXXX XXXX to provide a one page copy of Fictitious Name permit issued by the medical board showing the name of their business XXXX XXXX XXXX. This is the only proof that their business is legit and authorized to provide medical treatment. Otherwise, Discover needs to issue me a full refund by charging back the vendor. Current complaint ID XXXX
Consumer complaint received 2022-04-06
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: Verisk Analytics Inc (FL)

My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2020-11-03
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: CITIBANK, N.A. (NY)

On XX/XX/2020 I paid the account in full with understanding that the unverified account will be deleted. Also, I never received the undeliverable mail that was returned from the post office due to an invalid address. Section 623 ( a ) ( 1 ) ( A ) prohibits furnishing information to any CRA if the furnisher " know or has reasonable cause to believe that the information is inaccurate, '' Given that the furnisher has provided false information to you about me, and provided you with false address. I demand that the item are reporting be removed immediately. 

XXXX XXXX XXXX
Consumer complaint received 2019-06-06
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. (TX)

opt out off XXXX XXXX or any date reporting system id theft victim ftc violation was sent to XXXX with my 4 social showing on credit report and they haven't done anything
Consumer complaint received 2019-02-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MA)

My spouse recently had some changes made to her income and since I'm on an IBR I sent in the appropriate paperwork to make a change ( XX/XX/19 ). All paperwork ( paystubs ) were sent in and the correct filing was done. 30 days later on XX/XX/19 I was denied a change. The explanation was that the paperwork was " more than 90 days old ''. The pay date for the subs sent in was from XX/XX/19 which still isn't 90 days old. 

I called on XX/XX/19 to have them check and the rep said that it was a mistake and all the paperwork was filed correctly. He said that I would have it corrected within 10 days. I called 14 days later ( XX/XX/19 ) when nothing had changed and was told that it was still processing and that I needed to wait. Meanwhile I've had to make 2 months worth of payments calculated on a salary that is larger than it is currently. I am so sick of constantly waiting for these people while I'm held to a perfect standard when it comes to my own actions. Please help.
Consumer complaint received 2019-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (VA)

On XX/XX/XXXX at XXXX AM, I spoke to XXXX ( Account Supervisor of Chase ) who confirmed that my account is being double charged on the interest for a promotion interest balance because my monthly payments are NOT being applied to the monthly interest. Instead the monthly interest is being added to the principal amount so that the principal increases monthly thereby increasing the accrued interest. Consequently, Chase is charging interest on interest every month by increasing the principal when monthly payments more than cover the interest and minimum payment due. 
XXXX informed me that although this is unfair to me, Chase does this per federal law without stating which federal law or offering to provide a copy of the federal law. He further refused to elevate this matter to his supervisor or provide an address for me to submit a written complaint. 
This is wrong. When monthly payments more than cover the minimum payment and interest payments, Chase can not be increasing the principal amount by adding monthly interest amounts to the principal balance to impose higher interest obligations on the consumer. 
Since XX/XX/XXXX through XX/XX/XXXX, the interest on the promotion interest balance has increased due to Chases practice of increasing the principal balance by adding the monthly interest to the principal and NOT applying the monthly payment to the monthly interest charged. 
I do not believe Congress intended for Chase to legally charge interest on top of interest by allowing Chase to increase a principal balance by not applying consumers payments to the interest charged every month
Consumer complaint received 2017-09-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (IL)

In XX/XX/XXXX, I closed on my $ XXXX condo. Before I could refinance the mortgage, which is an 80/20 loan from Chase Bank, the housing bubble occurred. Currently, I have tried multiple times to refinance, using the terms and conditions set forth in HARP, and have been unable to do so due to to the fact that my loan is not a XXXX XXXX or XXXX XXXX backed loan. The loan belongs only to Chase. Multiple mortgage brokers have attempted, even with my circumstances meeting HARP criteria, without success. The last attempt at refinance was denied today ( XX/XX/XXXX ). I have made multiple attempts to go into Chase and talk about getting my mortgage refinanced and have simply been told that the 80/20 loan I have is a program that is no longer in effect. I am stuck with a 20 % " home equity '' loan at over 9 % interest. My 80 % loan has an ARM which is at current interest rates, but will change with the market. Chase receives my biweekly direct deposit so the ability to pay is not in question but the loan conditions and inability to refinance are. Furthermore, my credit score has been > XXXX for the last 10 years, so I am a good " risk '' to refinance, even though my loan is still upside down. 
The loan that I have was sold to me but the mortgage broker did not explain that it was an interest only loan. I have not paid off a full $ XXXX on the original purchase price due to this. I have also been advised that this my mortgage is considered a predatory loan.
Consumer complaint received 2019-02-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Once in XXXX and twice in XXXX of 2019 I asked my loan servicer, XXXX on behalf of Citizens Bank, for a copy of my original promissory note. My loan payments have gone up twice, and I believed that I signed up for a fixed rate loan for 15 years, as opposed to a variable interest or graduated. I am simply asking for proof of my requirements to make these higher payments.
Consumer complaint received 2018-02-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Management Partners, LLC (IN)

XXXX XXXX XXXXXXXX account has been closed for a few months. XXXX has been closed. XXXX XXXX XXXX has been closed. I never opened a XXXX   account. I never had a XXXX XXXX account. Never opened a XXXX XXXX account XXXX XXXX has been closed for years. Opened XX/XX/XXXX and closed not sure of the closed date. 
I have never lived in XXXX XXXX, In. and never opened a XXXX XXXX XXXX account. That stated in XX/XX/XXXX? XXXX has been a closed account for years. Opened in XX/XX/XXXX and closed XX/XX/XXXX. I have never been to a XXXX XXXX. Said I opened an account XX/XX/XXXX. And closed XX/XX/XXXX. Never had it never used. XXXX  never opened a XXXX account. Opened XX/XX/XXXX and closed in XX/XX/XXXX. Never owned a XXXX card ever. XXXX XXXX {$840.00} even opened in XX/XX/XXXX closed in XX/XX/XXXX never had that account. XXXX opened XX/XX/XXXX last payment of XX/XX/XXXX? Never opened a XXXX credit in those years. Closed stated XX/XX/XXXX. Never had a XXXX card in those years. I have one NOW YES, but not in THOSE years. I never lived in zip code XXXX nor did I ever live in zipcode XXXX. This is all very concerning for myself and my credit. We need to have these looked at and someone contact me as soon as possible. XXXX XXXX
Consumer complaint received 2022-08-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (MO)

I tried to deposit {$840.00} into my account with a us bank atm, it seized up at {$500.00} and printed out an error receipt for {$450.00}, I took the remaining {$340.00} into the branch and deposited it to a teller, I called the us bank number on the receipt and made a claim for {$500.00}, I received a credit for {$160.00} and they sent a letter saying this was the amount of the claim, I called them and told them Im owed {$340.00} but just got the run around on the phone for hours and was eventually hung up on.
Consumer complaint received 2020-11-03
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 ()

Reference ID : XXXX Company Name : PayPal Inc Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX On the XXXX of XXXXpapal limited my account the second timeBefore all these, I contacted PayPal that week informing them Ill be expecting more than mu usual money that particular week. I remembered talking to a lady though..I told her my account has been limited before and i asked her whether is it possible it might get limited the second time? and her response Yeah..Buh since you can provide the requested documents again then hope that wont be a problem. She explain things to me and assured me my account will be safe.But before that, i already have an accumulated money in my account already. 

Days later, I attempted to withdraw {$2000.00} which was placed on hold for 24hrs. 
Transaction type : Withdrawal Date : XXXX XX/XX/2020 Amount : {$2000.00} Status : denied Transaction ID : XXXX During that awaiting 24hrs, I received {$500.00} from a business partner which was also place on hold for further review by PayPals security system.. 
Date Received : XXXX XX/XX/2020 Amount : {$500.00} Transaction id : XXXX Later that day, I received an email from PayPal indicating my account been limited permanently due to suspicious activity. PayPal will not even provide me with evidence showing me what this " suspicious activity was. '' When It happened, thought the system made an error because I received 2 emails with the same limitation messages ... I contacted PayPal via email -- it took them three days to reply. When I did get the reply, it had NOTHING to do with what I had written. Their response was sorry your account remains limited for 180 days ... I've tried contacting them on both phone and email but all to no avail..
Consumer complaint received 2019-06-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (GA)

Transaction error sending money through XXXX the money in myaccount. Phoned in to cancel transaction. Instead they removed monies out of my account. I notified the bank of fraud. They covered my withdraws then they removed the transactions the fraudulant made. I had to close my account so no futher funds would be withdrawn on my overdrawing my account. Futher explaination is in the letter I'm subitting with a paper trail of the account.
Consumer complaint received 2022-09-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I received this text message : <BANK0fAMERlCA> We've put hold on your online access. For unhold, verify your identity here https : XXXX to get back your aceess. 

From this phone number:XXXX
Consumer complaint received 2021-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (VA)

We received a bill in XXXX forcing us to pay an extra {$830.00} that we was not made aware of as this was not part of our monthly payment obligation when we lease the vehicle in XXXX. As a result of this additional amount has put our account in delinquent status. We have always made our payment since XXXX on time. KIA Finance could not fully explain why we received a bill in XXXX as we did not receive any notice in XXXX or XXXX. This has caused a major headache and impact to our credit rating. When we lease the vehicle in XXXX, no one ever informed us that this would occur.
Consumer complaint received 2020-11-03
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. (CA)

The credit agency is reporting bankruptcies on my credit report. When I disputed, they stated the information was verified. I reached out to the bankruptcy court and asked what method of verification was used. I was told in writing that they DO NOT report to credit reporting agencies. When I asked the credit agency how it was verified, they stated through an e-verifier.
Consumer complaint received 2017-11-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (TX)

Made money gram on XXXX/XXXX/XXXX {$1000.00} & XXXX/XXXX/XXXX {$1800.00} for specific amounts sent to foreign country. Today, receivers could not receive funds due to money gram canceling. Hi phoned money gram XXXX/XXXX/XXXX and agent stated at this time money gram does not feel comfortable sending funds Specifically asked reason why and he could not give me one. Have sent other money grams previously were never rejected. Very frustrating and upsetting when money gram wont follow through. Need help?