davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NJ)

Chase credit card has changed their credit card so they they can charge cash advance fees on transactions that are " Cash-like transactions '' even though these are proper credit card transactions that Chase charges their regular fees to the merchant. Examples that Chase has cited, and has charged me for only in 2020 forward is for person to person money transfers ( payments for services ), account-funding ( like freelancer, or payments for service on XXXX ) and transactions that include currency transfer. Also included is using a 3rd party service for bill payments. 

These transactions are not cash advances. And hence should not treated like cash advances. The full credit card merchant fees were paid. Chase is trying to make more money from made up fees and taking advantage of the consumer. 

These types of transactions have been happening on XXXX for decades and other companies. Chase is trying keep a monopoly while squeezing out the other competitors. 

And they are trying to make more money off fees instead of legitimate banking. 

Visa has allowed a MERCHANT category for these transactions. However this is a MERCHANT categeory and not a Transaction category which would show if this is a real cash advance or not. 

Chase has no additional cost to these regular transactions as they are simply a credit card transaction like a purchase of anything else. 

Chase needs to be stopped from gouging the consumer with these extra fees that are hard to even assess when I am making the transaction to pay for a service. 

XXXX card has no such fees. nor do their try to take advantage of the customer with all these obtuse fees. I have not checked the other credit card companies.
Consumer complaint received 2017-11-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo is the original mortgage provider for the property, purchased in XX/XX/XXXX. We refinanced with Wells Fargo in XX/XX/XXXX. In XX/XX/XXXX, we contacted Wells Fargo to refinance again, to use the accumulated equity as well as make changes to the title. We were provided erroneous information by Wells Fargo lending officer in XXXX XXXX, FL area ; per this person, quit claim deed was required prior to submitting mortgage refinance application. I contacted Wells Fargo national office, was told that previous information was wrong, and began the application process. 

I submitted all requested documents very quickly and there were no delays until the appraisal was ordered. It has taken several weeks for Wells Fargo to even schedule an appraisal. Then they sent an appraiser who was completely incompetent and so appraisal could not be used. Wells Fargo scheduled another appraisal, which again took weeks to be scheduled. Two delays, both caused by Wells Fargo, caused me to miss the deadline for submitting final documents required for closing. I was told that the deadline was on Monday, XX/XX/XXXX, but XXXX XXXX, FL area was affected by Hurricane XXXX and declared federal disaster area a few days prior to the deadline. There was widespread damage and no power at the house. I had to charge the phone in my car to even make a phone call to Wells Fargo, asking for an extension. They refused to grant an extension. 

In addition to misinformation, appraisal process delay, and failure to grant an extension due to the area being declared federal emergency zone, Wells Fargo also increased the interest rate, which was locked and guaranteed. Wells Fargo decided to classify the property as investment and raise the interest rate, even though the property is owner-occupied and, therefore, classified as second-home property. 

Even after the appraisal was completed, Wells Fargo failed to comply with federal requirement that appraisal report is released to the applicant within three days. It has taken almost two months and numerous requests to finally obtain an original copy of appraisal. 

Given the violations described above, the owner decided to apply for mortgage refinance with another lender. Wells Fargo is retaliating by refusing to completely release the appraisal. After numerous phone calls and email requests, Wells Fargo finally provided a letter stating that the other lender can use the appraisal. However, Wells Fargo is refusing to provide a statement that appraisal process was in compliance with AIR standards or send the appraisal report in XML format.
Consumer complaint received 2017-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION (UT)

From XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX and XXXX XXXX XXXX have been making unauthorized debts from my checking account every month totaling what I believe to be a total of {$930.00}. I contacted both companies XXXXXXXX XXXX and XXXX XXXX about the charges and they confirmed my verbal cancellation and my absence from the institution, they stated that a written confirmation was needed, which was not stated to me as I left the gym XX/XX/XXXX with the previous managers made aware of my cancellation. I contacted my banking institution Navy Federal Credit Union and they found the transactions and updated my bank account and billing information with the company without authorization. This was due to a previous incident with my identity being stolen and being issued several bank cards along with a new bank account number. Currently they are stating Regulation E which provides regulation of bank transfers. This however is not enough due to this account being updated by my bank Navy Federal Credit Union. My next step is to make a lawsuit involving all three parties Navy Federal Credit Union, XXXX XXXX, XXXX XXXX.
Consumer complaint received 2017-11-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Protection Association, L.P. (MI)

I receive repeated harassing letters from Credit Protection Association after I have explained to them each time that I never received the phone services I am being billed for. They have said they will go back to the originating phone company but they have not.
Consumer complaint received 2021-08-05
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: AES/PHEAA (NC)

There is some arr, XXXX on all three credit bureaus XXXX  and XXXX  and XXXX fed loan service, XXXX all three collage, XXXX over charged me for class, XXXX I did, t take and one of the collage was XXXX XXXX XXXX in XX/XX/XXXX up to XX/XX/XXXX and at stray university in XXXX and at XXXX XXXX university online in XX/XX/XXXX up up to XX/XX/XXXX they had put me on ackademick probation because of the latter or what not and i had to withdraw because i had to of my uncal, XXXX that died in back to in XX/XX/XXXX and the review board said I had to right them a latter about what had happed to my two XXXX, XXXX and I did but they would not take what i tryed to expland them i the latter but the review board turned down my latter and put me out of school and that is why I'm fileing a complaint agent, XXXX XXXX  XXXX university onlne.
Consumer complaint received 2017-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

I applied and was approved for two credit cards with chase. 1. A Chase XXXX XXXX XXXX 2. Chase XXXX XXXX XXXX. The first was applied for and approved on XX/XX/XXXX and the second was applied for and approved on XX/XX/XXXX. I  informed Chase that I would be traveling in XXXX from XX/XX/XXXX to XX/XX/XXXX.  I was offered rush delivery in the XXXX XXXX and was delivered to me before my departure date. On XX/XX/XXXX I received a message that my chase card had been removed from XXXX XXXX. I then logged in and found that both accounts had been closed despite me being on travel. I called Chase and was told that the risk analysis department had closed my accounts without any warning. I had not used more than 15 % of my total available credit and was mostly on food and travel. I was also charged the {$450.00} annual fee and had the card less than 10 days.
Consumer complaint received 2017-11-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Zenith Financial Network Inc (GA)

They call from different numbers. I have spoken with several reps requesting they stop calling me but the calls will not stop. 

Numbers they call me from : XXXX Call List : XX/XX/XXXX @ XXXX XX/XX/XXXX @  XXXX XX/XX/XXXX @ XXXX # XXXX I delete the rest of my call history prior to making this report. The calls come every couple of days. 

The automated system states it is XXXX XXXX and she needs me to call her back @ XXXX
Consumer complaint received 2017-11-14
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. (NJ)

Since consolidating student loans XX/XX/2001, I have consistently been mislead by Navient. I currently have 2 consolidation loans with them. These are my complaints.
1 ) Navient has failed to correctly apply my payments and extra payments to my account. While stating that I would be able to skip payments if I preferred, they falsely set my loan repayment counter to zero So I had to start over in repayment phase. 
2 ) poor customer service and misleading information which lead to a bad outcome. This has set me back and caused me distress.
3 ) Navient automatically put me on 30 year payment plan without consulting me to maximize interest.
Consumer complaint received 2017-11-14
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. (MD)

I sent a LEGAL Notarized affidavit to XXXX, Equifax , & XXXX disputing under the FCRA requesting under Section 609 ( a ) ( 1 ) ( A ), For XXXX, Equifax , & XXXX to Provide physical verification of the original signed consumer contract.
I demanded from XXXX, Equifax , & XXXX to see 100 % Verifiable Proof an original Consumer Contract with my Signature on it. They have failed to RESPOND or VERIFY 100 % verifiable proof even though I have been sent back the Certified Return receipt.
UNDER the FCRA they are Now REQUIRED to REMOVE the accounts being disputed under applicable federal law.
Additionally, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of 100 % verifiable proof which they have negligently failed to do. Now forcing me to seek relief through the CFPB portal.
Consumer complaint received 2019-10-28
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I modified my mortgage 6 years ago. After several failed attempts Bank of America decided to grant me the modification. We have gone through many hardships, I was excited about the approval and signed the paperwork, not knowing that a balloon payment of close to 300,00,00.00 was due even after all of the payments were done at the end of XXXX. The original balance was XXXX. So, they are receiving interest plus on the balloon payment plus what they are receiving monthly. That means the loan will be doubled, close to 1 million after its paid off!! Thats banking corruption! I thought its just the balance! How can banks get away with things like that? We are senior citizens!! Thats fraud! 
Bank of America is ripping people off! 
They need to dismiss that balloon payment!
Consumer complaint received 2017-11-14
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. (TX)

I had previously sent fraud affidavits to Experian to get the following accounts which resulted in fraud removed from my credit history. They have failed to properly investigate and remove the disputed items below. 

- XXXX XXXX XXXX XXXX ( XXXX ) : Verify account is mine without violating any HIPPA laws. 
- XXXX ( XXXX ... ) : Fraud - Chase Card ( XXXX ... ) : Fraud - XXXX XXXX ( XXXX ... ) : Fraud - XXXX XXXX XXXX ( XXXX ... ) : Fraud - XXXX XXXX XXXX ( XXXX ... ) : Fraud - XXXX ( XXXX ... ) : Fraud I have sent 2 previous letters to Experian, all by certified mail requesting that they remove inaccurate information from my file along with the fraud affidavits and they have failed to do so. Accordingly, I can show a judge that these accounts are inaccurate and that they violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous lettersall sent certified mailstated my reasons for an investigation and these reasons were not frivolous in any way. 

If this final request does not prompt them to conduct a proper investigation of the accounts in question and send proof to me of said investigation, I will file a civil suit in XXXX County for damages. I take my credit very seriously and their lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum.
Consumer complaint received 2017-11-14
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: CITIBANK, N.A. (NC)

I have a {$75.00} debit gift card issued to me by my employer. ( XXXX XXXX ) When I tried to use the card it asked for a pin number. I do not have a pin number. I tried calling the numbers on the card. XXXX and XXXX on XX/XX/XXXX at about XXXX in the XXXX. The person I spoke to asked for my work address. After giving them my complete address they still would not give me the pin number. Card has an expiration date of XX/XX/XXXX.
Consumer complaint received 2021-08-05
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. (GA)

In an attempt to collect an invalidated debt, XXXX, XXXX. Violated my consumer rights and furnished a false and deceptive form pursuant to 15 USC 1692j. Additionally, XXXX XXXX threatened me in regards to said invalidated debt and said that they would put a negative remark on my consumer report if the debt was not paid, which they have done. This is direct violation of 15 USC 1692d. There have been numerous attempts by XXXX to collect something that has not been validated and that I do not owe. I am fearful that XXXX will continue to make threats against me and harass me in relation to the alleged debt. I have sent XXXX, XXXX a cease and desist and validation of debt to bring an end to this matter immediately. I have also invoiced XXXX, XXXX for multiple consumer rights violations. Pursuant to 15 USC 1692k.
Consumer complaint received 2017-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

According to my credit reports, in XXXX 2016 Portfolio Recovery purchased an account from XXXX XXXX showing {$380.00} as due. P.R.A. began reporting to the various credit bureaus some time after. For some reason, however, they are reporting the account to the bureaus with different account numbers. P.R.A. is reporting it to XXXX as account number " XXXX- XXXX '' and to XXXX and XXXX as account number XXXX. 

I get that P.R.A. is a debt buyer, and is not a credit bureau and simply makes reports to credit reporting agencies on the accounts it buys. However, the credit reporting agencies reflect the information that P.R.A. reports to it ; XXXX does n't simply make up an account number itself. It shows whatever account number P.R.A. reports. Because P.R.A. is reporting different account numbers to different bureaus, that means when someone runs a multi-bureau combined report where on me ( which happened recently ), where information from XXXX, XXXX  and XXXX XXXX is merged into a composite report, then the {$380.00} shows twice, for a total of {$760.00}. 

I have attempted to rectify this by disputing the accounts, but Portfolio verifies them as accurate and continues to leave its information unchanged. Am I to assume from this that the error is intentional?
Consumer complaint received 2017-07-09
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. (MI)

Pulled down my Experian report and found a number of unauthorized hard inquires. First I called  XXXX   XXXX  to put  90 secu rity freeze. Now I am reaching out to Experian to get a security freeze AND these unauthorized hard inquires removed ASAP. I will moving soon looking to mortgage anew home and I do n't need any of these unauthorized hard inquires harming my chances of of moving my family to a safer neighborhood. First please freeze the account for the next 30 days, then next have these hard inquires removed. I have enclosed a list of them. Thank you so much in advance.
Consumer complaint received 2017-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (PA)

Credit card companies continues to allow charges after filing a lost or stolen card. Credit card company say they have the right to continue to allow charges to go through well after the cancellation card has been placed. I believe I was misled by a particular credit card company as well as by others that when submitting a lost or stolen card they can allow charges on new card number. I contacted my credit card company and they state that this is a common practice. I believe that once you submit a lost and stolen card and get a new number no one else should be able to charge until you give them specific permission. I feel that the credit card companies are protecting the vendors/merchants, not protecting the consumer or card holders. I believe this is fraud on the part of the credit card companies to allow continued charges after card has been canceled due to lost or stolen circumstances. Credit card companies continue to collect interest and allow fees to continue in direct favor of the merchant/ vendor and credit card company. Regardless of their policy this is fraud. What protects me and my number from these activities?
Consumer complaint received 2023-01-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I logged into my HSBC online banking account on XXXX. After the bank verified my identify via text message to my phone, they came back with an error message asking me to chat with one of their customer service reps. 

The rep informed me that they had transferred my account to XXXX XXXX  in XXXX. It was the first I had heard of this. HSBC had sent regular monthly emails to my email address through XXXX informing me that my e-statements were available to view. At no time did they inform me by email or phone that my accounts would be moved to XXXXXXXX XXXX. The customer service rep simply gave me an XXXX number to call XXXX XXXX  if I wanted more information. 

I expressed my incredulity that HSBC had done this without notifying me. Upon further investigation, the customer rep informed me that HSBC had actually closed my accounts and sent my checking and savings account balances to the State of California as unclaimed funds. Again, at no time did HSBC contact me via my email address or my phone, both of which they had on file and were still current in their systems. I had moved my physical address within XXXX XXXX XXXX, California several years ago. The rep claimed that HSBC may have sent mail to me at my old address, in spite of the fact that HSBC had encouraged me to shift to e-statements and e-banking instead of physical mail. 

The fact that HSBC can unilaterally close or transfer accounts with minimal or no effort to notify their customers is frankly unbelievable to me. I am now in the process of attempting to reclaim my funds from the State of California.
Consumer complaint received 2017-11-14
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: EQUIFAX, INC. (TX)

To Whom It May Concern, I received a notice of data breach from Equifax on XX/XX/17. This included accessing supporting documents that may have included my government issued id, home address etc. 

Due to the sensitive nature of the information revealed in the data breach, I have requested from all 3 reporting agencies including Equifax remove all of my private information from its and its affiliate servers and anywhere/all places that information is stored. This information, including my name, social security number and accounts are being stored without my consent and to please remove and destroy any and all information immediately. 

They have not complied. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-11-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (AR)

In XX/XX/XXXX it said I opened a XXXX account I was only XXXX I could n't open a account for myself someone used my name. When I checked my credit score XX/XX/XXXX I  noticed I owe {$570.00} and I disputed because it wasnt my account and I never received a bill to my house. In XX/XX/XXXX I spoke with a representative they agreed the account wasnt mine and that I could go back to XXXX again. She never told me to send in any documents because I didnt have any it wasnt my account. I spoke with them today and they told me I had to file a claim to get it off my credit
Consumer complaint received 2017-07-09
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: CITIBANK, N.A. (CA)

I applied for a loan from XXXX XXXX XXXX and was approved. Spoke to representative to help me get through the process, but something unfamiliar was brought up. I was told that I have a Mortgage with Citi Mortgage that was opened in XXXX. This was brought up because they pulled my XXXX Credit Report. I am confused as to how this happened. I have never opened up a mortgage. At the time I was only XXXX XXXX years old. I have lived at my address since the year of XXXX and at that time I just recently graduated from XXXX XXXX. Please help me dispute this.