davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-11
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Neon Newco Corporation (GA)

RE : NetSpend Visa Debit Card - Received yesterday XXXX/XXXX/16 " This replaces the temporary card you recently purchased. '' Did NOT purchase or request this card. Husband 's ID very recently stolen. Thief opened a credit card and XXXX checking accts. in his name ( police reports filed ). Today received unsolicited debit card as notated above. Inquiry to issuer as to how they obtained our personal info and how card was issued without request. They requested verification from us by asking that we confirm his SS no. which we did not provide. They will NOT divulge how/where they came to have this info. We believe ID thief is involved in some way. This company is either highly unethical, fraudulent or both. Although they claim affiliation with XXXX, there is zero reason for them to have access to SS no., etc. We are and have been extremely vigilant re/personal info and handling of credit and would never, ever use such a card - very alarmed here. 
Thank you for your attention.
Consumer complaint received 2021-09-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (MD)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2019-10-26
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Caliber Home Loans, Inc. (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that XXXX XXXX XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2017-07-06
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diversified Recovery Services Inc. (MS)

Diversified Recovery Servic  es  continues to call and attempt to collect money from me for a  XXXX  account that I never had. I 've disputed this with  XXXX ,   XXXX    and  XXXX . All have been removed. Once ever y 2-3 mo nths they will pop back up and I have to dispute them again. I 'm tired of telling  XXXX  and their  collectors to stop calling me for a debt that is not mine! I 've explained this to all of the collectors  and to  XXXX  and it ' s STILL hap pening!
Consumer complaint received 2024-05-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: JPMORGAN CHASE & CO. (MI)

I applied for a car and was denied due to fraud and discriminationChase has openly admitted they gave out the wrong information and still wont return my application and they discriminated against me and just flat out took the credits from this application and ran offChase Bank is so illegal on multiple levels
Consumer complaint received 2022-08-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (IN)

I went to XXXX XXXX XXXX from XXXX. My loans were with Navient federal loans. I did not complete my degree. I had XXXX credits. I stopped going due to trying to change XXXX XXXX  and my credits were not transferring. In late XXXX, my student loanscwere discharged with the 100 % XXXX XXXXXXXX veteran XXXX. In early XXXX the Borrowers Defense discharge was started for students that went to XXXX and the fact that XXXX closed. They received refunds on payments made towards their loans. I did not receive any refunds due to my loans being discharged with another program. But I in fact, qualify for a refund based on the requirements. Navient sold my loans to XXXX XXXX since then. So when I tried to get a refund through Navient, they state they did not have my account on the time of my loan discharge. I paid over XXXX my loan payments.
Consumer complaint received 2022-09-08
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 (NY)

I rented a car from XXXX based on a quote of {$1000.00}. However, I was charged {$1300.00}. I was overcharged by {$290.00}. Capital One is refusing to help me get the charge reduced by {$290.00}.
Consumer complaint received 2019-10-26
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: AMERICAN EXPRESS COMPANY (MD)

American Express reduced the credit limit on one of my credit card accounts which is XXXX XXXX from {$20000.00} to {$4400.00} for no obvious reason. Please note that I just paid them {$15000.00} no too long ago. In addition, I have never missed a single payment across my three accounts.
Consumer complaint received 2017-12-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

After work one night I went to a local ATM to deposit money. I deposited almost {$500.00} in the ATM. A sign appeared on the screen stating that the transaction could not take place but my money was never returned. I filed a claim with Chase. The claim came back unfounded and they said they could not locate the funds. I asked who investigated and when to which they could not answer. While going over the details they realized they made the claim for the wrong ATM. So they opened a new claim. This one also came back unfounded and they stated again they could not find the funds could not tell me who investigated when they investigated or how they investigate. During the claim process they gave me a loaner amount of {$500.00} while they investigate it. When the claim came back unfounded they remove the {$500.00} without warning and it caused massive overdraws on my account. A total of five insufficient funds fees totaling {$35.00} a piece was applied to my account. I asked them to remove these fees as they were inappropriate and it was unfair to charge me these fees when they did no such investigation whatsoever. I have tried multiple times to find out how they investigate when where and who investigates with zero answers being given to me.
Consumer complaint received 2020-10-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have ask XXXX and XXXX  to remove these accounts that do not belong to me many times they have yet to do so no proof of these accounts have been presented they are refusing to follow the rules of the FCRA.
Consumer complaint received 2019-10-26
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that NAVIENT has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be  investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2018-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: DISCOVER BANK (FL)

Purchase Protection damaged or stolen i got mugged  at gun  point and was denied because i was mugged in my car ... the item was in my pocket.. this is a fraud service.. they change the reason 3 times on me ...
Consumer complaint received 2017-09-30
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (TN)

Navient is not helpful in offering a temporary stop of payments due to financial hardship. They state I have no more time to delay payments. Their customer service is horrible and based overseas. This company is the worst to deal with and send harassing letters to my co-signer a day after if my payment is one day late.
Consumer complaint received 2017-08-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CO)

My wife and I moved into our new house XXXX of 2016, the house was brand new and we paid {$400000.00} for the house and put 5 % down because we knew we were going to need additional cash for things such as landscaping painting the interior etc. that need to be completed when you move into a new house. After about 10 months of being in our house, more houses on our side of the street ( which backs to a golf course ) were completed and sold. The houses sold anywhere from {$470000.00} to {$580000.00}. I reached out to Wells Fargo to see what my options were in removing our primary mortgage insurance ( PMI ) and they told us about a Broker 's Price Opinion ( BPO ) that could be completed for {$200.00}, and if a realtor came out and thought our house could be listed for what would equate to 75 % loan to value ( LTV ) we could have our PMI eliminated, this number for us would have been {$500000.00}. We had the broker come out and look at the house and put a report together with different " comps '' that had recently sold, my wife and I thought there would be no problem with us coming in at {$500000.00} because of the houses that had been sold recently not having completed backyards and our house was larger than all but 1. We were shocked when the report came in at {$490000.00} and filled out a dispute form because the comps that were used in the report, while being brand new homes, did not back to the golf course. In the dispute we used three homes that sold, within 6 houses of us all backing to the golf course and all selling for over {$500000.00} without completed landscaping. In the report I used total square footage for the house 's instead of gross living area ( GLA ) and the initial dispute was rejected because total square footage was the incorrect  measurement. I then resubmitted the dispute form with the GLA numbers and again had the dispute denied because the comps that I was using were new construction. Wells Fargo is not looking into the matter again and is telling us we will not have the matter reviewed any further. My concern is that Wells Fargo is using this BPO as a method for them to collect and additional {$200.00} of revenue without having any intention of actually eliminating their clients PMI. The representatives that I have spoken with understand my frustration and do not know why we can not look into the matter further and get another review done. They can not give me a reason why the broker can use new builds as comps but I can not, nor why none of the houses that were used as comps back to a golf course in the brokers report. While I know XXXX is not always the most reliable source, currently XXXX has our estimate at {$580000.00}. I would like to see the statistics on how many BPO 's have been completed and how many have resulted in elimination of PMI, where I stand, this is another black mark on Wells Fargo and further evidence that they will do whatever they need to to generate revenue with total disregard for their clients.
Consumer complaint received 2021-09-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (FL)

XX/XX/2021 i invested {$1000.00} in XXXX through Coinbase Pro.com website. The {$1000.00} was two transfers of {$100.00} and {$900.00}.

I completed the coinbase login requirements with photo and two level account verification. 

I did not regularly look at the coinbase balance because the value of XXXX was declining and there was not much to deal with. 

In XX/XX/2021 with the value of XXXX improving I went to my account and found that the account balance was on {$12.00}. I sent a request for support to the Coinbase Support group. They locked my account and told me that they would recover the account. 

XX/XX/XXXX Support told me that the account was successfully recovered. When I went to the account the balance was still {$12.00}. I sent the support group a copy of the transfer out of my account on XX/XX/2021 for XXXX that was not authorized by me. Support can not tell me who made the transfer or where the money was transferred to.

Support has closed the account fraud request with NO RESOLUTION>
Consumer complaint received 2017-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (OK)

Complaint against : Citi Cards, XXXX XXXX XXXX, XXXX XXXX, SD XXXX Account No : XXXX I am a XXXX ( XXXX ), on XXXX XXXX I made an online reservation for, XXXX XXXX in New York on XXXX XXXX, for my daughters XXXX birthday, for XXXX XXXX. 
Two days before I called the hotel to request a room with view of XXXX XXXX, they told me it was not the XXXX XXXX on XXXX XXXX, they were willing to cancel my reservation free of charge since it was more than 24 hours before my scheduled arrival, however they told me since the booking company has already charged my credit card, I need to call the booking co. I called the booking co, had to make multiple calls/holding for more than two hours, I was told that I can not cancel my booking, since I had to do it 7 days in advance. 

Then I called Citibank my credit card co to dispute this charge, they sent me a letter dated XXXX XXXX, which states " since merchants not agreed to accept your cancellation request, we are unable to assist you in obtaining credit for this dispute ''. 

Its industry standard, hotels charge your credit card on check in, you can cancel your serration 24 hours in advance. 
This booking co ( XXXX XXXX ) had total disregard for these industry standards, and also charged my credit card XXXX days prior to my arrival, {$710.00}. 

When I contacted Citibank, they failed to provide me any consumer protections.
Consumer complaint received 2017-09-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (FL)

I checked my credit report and to my surprise there is a collection account for {$1500.00} from Credit Collection Services. I sent a certified letter to the address that appeared on my credit report but never heard anything. I do not owe this debt and this is really hurting my credit while trying to buy my first home. This needs to be taken off my credit report immediately or my next step is to seek immediate legal action.
Consumer complaint received 2017-09-30
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: JPMORGAN CHASE & CO. (NJ)

I was a member of XXXX XXXX in XXXX NJ for 15-20 yrs. The only contract I signed was in my first year. My method of payment was automatic credit card reduction. On XXXX XXXX of this year, I decided ( along with my wife ) to switch gyms. We informed Golds on XXXX XXXX. I called Chase XXXX on the XXXX to inform them to stop payment of any further transactions from this vendor. My next payment was due on the XXXX of XXXX and my wife 's next payment was due on the XXXX of XXXX. 
Sure enough, on the XXXX of XXXX, I received a notification on my phone that a payment was authorized. I immediately called them to inform them that the payment was made and they assured me that it was only pending and that there was a dispute in process. Sure enough, on XXXX XXXX, the next payment was subtracted. I called them again and they once again claimed that it was a disputed charge and would be taken care of. Finally, on the XXXX of XXXX. I received my bill and the charges were on my bill. Again they told me that the charges were pending and a refund would be given if they could get the funds back from the vendor. Since there has not been a contract in many years, I should automatically be put on a month to month basis and not required to abide by the 30 day exit period. I feel that Chase XXXX chose the vendor over me, when in fact, the dispute should be between the vendor and me. XXXX should have cut off the vendor when I requested and let the vendor come to me with any complaint.
Consumer complaint received 2021-02-03
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (MI)

As a result of Covid-19 I was directly impacted and I experienced a financial hardship. I started the Forbearance in XX/XX/XXXX but have been able to make some payments to keep my account no greater than 3 months deliquent. My complaint speaks to the dramtic payment increase offerred on a loan modification for {$310.00} for the next 365 months. 1. The first repayment option I received was a loan modification of {$1400.00} for 360 months in XX/XX/XXXX. A {$310.00} monthly increase for the next 30 years. At this time in XXXX my delinquent amount was {$5600.00} as shown on the XXXX statement. Meaning Caliber Loans would receive a sum of {$110000.00} over the next 365 months with the new loan modification terms. I called Caliber and declined the loan modification because I could not afford it and it was unreasonable terms. 2. Later in XX/XX/XXXX I received a letter stating I was ineligible for the loan modification. 3. In XXXX I received a Loss Mitigation application, my forbearance was effective until XX/XX/XXXX so I declined. 4. Lastly, during this time I have consistently made payment every month since XXXX and attempting to make additional payments whenever possible. 5. My Mortgage was increased to {$1400.00} effective XX/XX/XXXX although I am still on the Forbearance until XX/XX/XXXX and I have not signed any agreement of loan modification nor loss mitigation. I would really appreciate if you can resolve the intent of Caliber Loans. Should you find ill intent, I honestly do not feel I am the only veteran being taken advantage of. I look forward to hearing from you I have documentation to provide proof of my claims
Consumer complaint received 2017-07-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION (CA)

I saw my balance was low, and I tried to make a mobile deposit to prevent overdrafting since I have had in the past, but the app would not allow me to deposit, I do not live near a branch so I called in to ask and the bank said there is no way for me to make a mobile since in the past 90 days I had overdrafted, the only other option was to mail in a check, I was furious because the funds were already really low and I tried to take preventative measures to prevent overdrafting but they would not allow me to make any sort of deposits right away.
Consumer complaint received 2018-03-23
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. (IL)

Inaccurate information on my credit pay status balances, example a collection agency that the vendor was paid direct I don't owe the collection agency. 

a loan reporting late but has never been late and is paid in full.
Consumer complaint received 2017-03-06
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Threatened to take legal action
Company: Van Ru Credit Corporation (IN)

Van Ru Credit Corporation along with XXXX is attempting to garnish my wages beginning XX/XX/XXXX, for an old student loan. The original debt owner has already written this debt off and recovered from any lost funds. I have already been punished by having a derogatory account on my credit report for many, many years and now Van Ru Credit Corporation and XXXX have purchased this old debt and intend to make money off of it for a second time ( or perhaps more because that 's how these creditors operate, buying and selling these multiple times ) and negatively impact my livelihood. This is unscrupulous and in complete violation of the Fair Debt Collection Practices Act because the statute of limitations for this debt has run out. This loan occurred in Indiana and the statute of limitations for debts in Indiana varies from 6 years at the minimum to 10 years at the maximum. This debt occurred no later than XX/XX/XXXX, which is XXXX years ago. I am asking the CFPB to intervene on my behalf and aggressively halt all procedures by Van Ru Credit Corporation and XXXX to obtain any further monies from this expired debt.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states i have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.
Consumer complaint received 2021-09-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The 3 Credit Bureaus is reporting inaccurate information on PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ) with Account Number XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.