davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (SC)

Signed up for a Chase Total Checking & Chase Savings account using the {$500.00} account bonus coupon *in-branch*. Made two ACH transfers totaling {$15000.00} ( balance minimum for the coupon ) into the Chase savings account from my other checking account the day I opened it.

My account was closed the next day by the " money movement '' team without warning or ability to dispute/appeal the ruling. There was no activity except for the initial transfers into the account for {$15000.00}. The accounts were open a total of 1 business day.

Finally, the Chase support representatives stated I would never be able to open another bank account with Chase again.

How can you ban someone indefinitely for money movement after you ASK them to move {$15000.00} in within the first 10 days? That's ridiculous!

Additionally, I have never " burned '' a financial institution, have a good credit score and history, and a reasonable amount of bank accounts ( 2 currently ).
Consumer complaint received 2017-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

I pulled my annual credit report XX/XX/XXXX and noticed I had incorrect and fraudulent accounts that were being reported. I sent a dispute letter in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and again XX/XX/XXXX. I contacted XXXX Bankruptcy Court in XX/XX/XXXX. stating that incorrect information is being reported on my credit report. Bankruptcy court replied, '' they do not report to credit agencies for me to dispute that information with the credit reporting agencies. '' Therefore I sent out the letter that I received from bankruptcy court asking them to remove it. And XXXX and Experian refuse to remove it.
Consumer complaint received 2021-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I have sent out a letter to CAPITAL ONE concerning my credit report. Due to suspicious activity on my credit report. I simply asked CAPITAL ONE to validate and verify the information with that they have on file concerning collections accounts and Hard inquiries that they are reporting on my credit report. They have failed to send me anything that validates or verifies what they are reporting. With failure to do so, this matter doesn't just affect me it effects my family too. I am unable to apply and get approved for a home, a vehicle for transportation, and getting a good job. I would like to be rectified of this matter immediately. I have been trying to get this matter under controlled but got nowhere after 30 days and then a second letter sent another 20 days so 50 days of waiting on a response.
Consumer complaint received 2017-12-01
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

My loan was sold XXXX 2017 from XXXX XXXX XXXX to Navient. At that time, my loan payment increased from {$150.00} a month to now {$250.00}. I 'm struggling with the increase in monthly payments as I have a wife that can not work due her illness of XXXX XXXX. I 'm XXXX years old now  and I 'm trying to save money for my retirement and at this rate, this will still paying my student loan in my retirement years.
Consumer complaint received 2022-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (CA)

Good day Ally Bank and CFPB, Ever since XX/XX/ it appears I have been block by Ally Bank allowing me to access the website. I have tried even after today to access the webpage of my account. It appears to me that the people that work for ally from home could be doing something unfair. I called on XX/XX/ to get my password changed. I was transferred two times and referred four, including audimatted transferred calls. I was and am give the same password that does not seem to work for me. It is the temporary password that encompasses the first letter of my last name, the last 4 digits of my SSN and three exclamation marks. This is too easy for a bank to give as a temporary and verbally as password. Other banks send you link that has a filling for the new password. These Ally people either want you to get password verbally from sneaky working at home banking staff who know it as they tell you the temporary password or the send me atleast a link that needs a password to get to the password assist page. Someone's running a scam that has staff knowing what customers are using to acres their accounts. You should not have to have a bank person working from home tell you a private temporary password. Or maybe they give minorities the same passwrd and others a different one each time. The staff could access the page before you. Its a joke to minority 's and veterans. I need good two step private access to my Ally acount and password change without bank personnel knowing it before me.
Consumer complaint received 2018-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

On XX/XX/XXXX I sent a certified letter to Equifax requesting an investigation of a Chapter XXXX   Bankruptcy that is being reported on my credit file as I was affected by the Equifax security breach. On XX/XX/XXXX I received and maintain a copy of the certified receipt verifying that my request was received by Equifax. Per the FCRA section 611 ( a ) ( 1 ) ( A ), Equifax had 30 days to complete their investigation. I received no response from Equifax. On XX/XX/XXXX I sent another letter making Equifax aware that they are in violation of the Fair Credit Reporting Act by not completing the investigation within the 30 day time period.

On XX/XX/XXXX Equifax responded stating that the information was verified and is being reported accurately.
Consumer complaint received 2021-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

The lien holder, XXXX XXXX XXXX, did not conduct the necessary due diligence at loan inception and the vehicle ( in this case an aircraft ) did not have a clear title. I only discovered this when I went to sell the vehicle and was advised that there was a title problem, therefore, I could not sell the vehicle in lieu of a clean title. I advised XXXXk XXXX XXXX that I was suspending further payments until the title issue was resolved. in the interim period, XXXX XXXX XXXX sent the loan into collection. Three ( 3 ) months later XXXX XXXX XXXX cleared the title problem, but did not advise me. Once it was discover that the title problem had been resolved, I promptly paid the outstanding balance. However, even though the loan is paid, XXXX XXXX XXXX is still reporting to the credit agencies that it was " bad debt '' and that there is an outstanding balance - which there isn't, it's paid in full.
Consumer complaint received 2021-07-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY (MI)

I Consumer, XXXX XXXX entered into a consumer credit transaction with American Express on XX/XX/2017. There was a finance charge involved. Per 15 usc 1605 the Finance charge is the sum of all charges in a consumer credit transaction. American Express has sent me several bills with violations of 15 USC 1692. American Express used symbols on the contents and in the inside of the envelope that indicated that they were in the debt collection business. American Express has infringed on my privacy rights as a consumer. American Express continues to violate me. In effort to resolve this matter outside of court I mailed American Express an Affidavit of Truth with exhibits labeled A and B proving their violations as well as an invoice for their violations pursuant to 15 usc 1692k as well as a cease and desist. American Express reported this transaction to the consumer reporting agencies but never gave me the opportunity to opt out of reporting pursuant to 15 usc 6802 ( a ) ( b ) ( B ). This is causing me a great deal of stress that affects both me and my children. I am stressed out. Please help me get complete remedy from these violations.
Consumer complaint received 2021-07-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (GA)

I sent a certified letter on XX/XX/21 to ERC collection agency regarding an alleged debt I owe in the amount of {$320.00} from XXXX. The company has failed to validate the debt. In fact, there are two other collection agencies with this same debt that are trying to collect from me as well. They continue to send me letters, make harassing calls, and report to all three major bureaus. I am requesting your assistance in this matter.
Consumer complaint received 2017-11-20
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)

My student loans got discharged by navient because Equifax is stating that I am defaulting on my loan when they were forgivin this has caused me to lose my security clearance and be denied credit. 
Equifax is reporting that my XXXX XXXX is late which is not true they were paid off in full.
Consumer complaint received 2017-11-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: WELLS FARGO & COMPANY (PA)

I have been paying on a student loan to Wells Fargo that was purchased from Wachovia Bank over 13 years ago. I am co signor. My son XXXX XXXX is the student. He states that a few years ago, he got a buyout on loans from XXXX and paid them off. He contests that the Wells Fargo loan is or is partially bogus. I am co signor so I was not aware of any settlement. I am trying to buy a house and these are on my credit report, FOR YEARS, even though I have been paying {$200.00} month. I have spoken to XXXX over the years but never got any information about the loan until recently. He said Wells Fargo would accept XXXX for settlement and I was going to use my XXXX club to pay it, but now I 'm not sure that I ever owed this amount and I have been paying on it for years. We had a fraudulent dealing with our local Wachovia Bank in XXXX PA and think this is a case of fraudulent billing. XXXX said something about interest and compounding on a loan. At any rate, I would like this investigated. Having this on my credit report for years has hampered my ability to do anything, and I have been paying on it for years, never late. Please advise ASAP.
Consumer complaint received 2016-04-25
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SUNTRUST BANKS, INC. (FL)

The amount of the check was for {$1700.00} the amount in the account was {$1300.00} the account did not have enough money to cash this check. I put down for 2 mortgage payment instead of 1 my fault. This amount is over NOT by {$100.00} or {$200.00} or {$300.00} but over {$400.00}. The check should of went in as a NSF {$36.00} charge to the account and not cause my account to roll over and over with NSF fees. I am requesting that the NSF fee be removed from this account. This will not happen again I 'm putting my mortgage on auto pay.
Consumer complaint received 2018-06-08
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)

On XX/XX/XXXX I sent a dispute to Equifax in regards to a fraudulent, unauthorized, collection account that is on my credit report. I wrote a letter stating that the account did not belong to me and indeed was a fraudulent account. I sent over the FTC Identity Theft report Affidavit as well as a police report, copy my credit report with the fraudulent account highlighted, as well as section 605 ( b ) from the FCRA.. On XX/XX/XXXX I called Equifax to check on the status this claim and I was told that they could only see the affidavit and they would need me to submit another copy of the police report. On XX/XX/XXXX I sent over not only a copy of my police report but also a copy of my credit report with the fraudulent account highlighted, a copy of my identification, a copy of the affidavit, as well as another copy of section 605 ( b ) ... On XX/XX/XXXX I call and Equifax and no one is able to assist me ... They kept telling me that it was in dispute but per the law it has to be blocked in 4 days while there is an ongoing investigation .... I am attaching a copy of my police report, affidavit, copy of identity theft, as well as a copy of the 605 ( b ) section ...
Consumer complaint received 2018-06-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PRESTIGE FINANCIAL SERVICES INC (IL)

I purchased my vehicle in XXXX. Prestige Financial calls, texts and emails simulteously a week before each payment. I faithfully made all payments on time until XXXX when I became ill and fell back on my payments. Thats when the disrespect and threats began. I was yelled at and accused of being irresponsible. I did make payments, but just not as timely as before. In XXXX and XXXX i asked for my pay off amount, and was informed I owe over {$6000.00}. Unbelievable i said that after 7years, I still owe almost {$7000.00} on a XXXX XXXX XXXX XXXX. Ive questioned and disputed with them several times regarding the balance. This company is padding balances. They have finally threatened to reposess a car Ive paid for twice.
Consumer complaint received 2021-10-05
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: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
Consumer complaint received 2020-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Consumer complaint received 2021-10-05
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: EQUIFAX, INC. (GA)

XXXX, XXXX, and equifax are reporting accounts on my report that i have no knowledge of. I have disputed these accounts numerous times and yet they refuse to remove the unverifiable accounts from my report. The accounts are XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX.
Consumer complaint received 2018-02-08
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: CAPITAL ONE FINANCIAL CORPORATION (IN)

CAPITAL ONE BANK FAILED TO CORRECT ALL 4 CREDIT BUREAUS TO REFLECT ACCOUNT CLOSED BY CONSUMER-CLOSED-PAYING AS AGREED NEVER LATE.
Consumer complaint received 2018-06-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (AZ)

I have deposited the fund amount of US {$54000.00} to Coinbase Inc via XXXX XXXX XXXX on XX/XX/2018. Then I tried to withdraw my fund right away when I noticed that I couldnt buy/sell digital currency because I dont have SSN ( Im legal alien, not US citizen ) however they dont allow me to withdraw my fund because I dont have SSN. I tried to find out whats going on but their customer support didnt listen to me at all. 
Then I told them that I want to close my account But they said they cant close my account because I have money in my account. 

So many times, Ive asked them to let me know how to get my money back for last 5 months ( I can give you my email history and claim records ).

2 weeks ago, one of them replied me like I need to change my country in my account information, so I sent them my passport but they said they cant change my country because I got money in my account ( thats my fund that I want to withdraw ). 

It looks like they dont have willing to solve my case. Thank you so much for reading.
Consumer complaint received 2022-03-31
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (WA)

The lender appears to be subjecting penalties on Veterans who invoked forbearance protections in violation of the VA and the Cares Act and Public Laws 116-33 & 115-174 When a new cash out refinance loan exceeds the amount of the original loan principle, seasoning of the loan does not apply per 38 USC 3709 ( d ). 

On XX/XX/2022 I applied to refinance my {$190000.00} loan with a new {$310000.00} cashout refinance. 

The lender insisted I needed to show evidence of my forbearance agreement and 6 months or 210 days of payments. 

When I explained to the lender no seasoning is required under the exception for cash out refinances, the lender stopped processing my refinance after running my credit report. 

It is predatory to Veterans for lenders to apply seasoning to all VA loans in violation of the statutory rights to the cash out refinance seasoning exception.
Consumer complaint received 2017-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Im writing about the interest charged on XXXX. Ive contacted the Company several times asking them to waive the interest fee of {$68.00}, as it is the first time Ive ever not made the full statement balance payment. Every time they say they cant. That there is n't an 'offer ' on my account. Not sure what the big deal is. Ive been a very good customer. 
Id like it waived in part because as I explained ; this month, Id have to move money around to pay the minimum balance, which has gone up to {$100.00} for some reason not explained to me. Usually it is {$25.00}. 
Oh and while Im at it. I asked them to change the due date, which I see has not been changed. I talked with XXXX about that, via the Company 's online chat and he said he was making it happen, changing it to the XXXX I believe.
Consumer complaint received 2017-11-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (IL)

I have applied to CitiMortgage for a loan modification. My loan is an adjustable that was interest only and the home is underwater. The reset and fully amortized payment is more than double the present payment. I applied for a modification with CitiMortgage and was granted a trial period plan with a payment 50 % higher than the present payment. In the Trial Period Plan Notice on page 5 it states the calculation of the new monthly payment is based on 31 % of my earnings but it is over 40 %. When I called CitiMortgage after I received the Trial Period Plan Notice on XX/XX/XXXX I talked to my account specialist XXXX and he said he would escalate to the Executive Response Team and they would contact me and on XX/XX/XXXX XXXX XXXX from CitiMortgage contacted me. When I related to him that the math did n't add up he said they do n't make any changes and I would have to reapply. He said he would email the modification application that day. I never received it. On XX/XX/XXXX I emailed and requested again-no reply. I scheduled a phone call with XXXX XXXX on XXXX XXXX and he said he would email me the package. I did finally received the email and on XX/XX/XXXX I emailed back all the requested items. I had not heard back and I grew concerned and I began emailing XXXX XXXX for status. No reply. I scheduled a call with another person from the Executive Reposnse Team and I was a ssigned to XXXX XXXX who explained that XXXX XXXX was having trouble with his emails-4 weeks? - and this file was now assigned to her. She said that nothing was done on my application that was submitted on XX/XX/XXXX. It was received but XXXX XXXX did not submit it. XXXX XXXX was not encouraging but I requested that my application be looked at-this is n't right. I 'm getting the runaround. Everything that has been requested from me has been delivered on time. XXXX XXXX sent me via email another application for a modification on XX/XX/XXXX. I sent it back immediately to XXXX XXXX and to the CitiMortgage website and to CitiMortgage email address. I emailed XXXX XXXX for a confirmation of recipt of my email but have received no reply. I am concerned that my application is not being reviewed.