davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (NY)

Company says XXXX and XXXX payments were 30days late. I paid both months no more than 7days late. They called and said I was a month behind and I ended up paying a month ahead and they will not acknowledge that. I have called several times trying to correct this report and they refuse to fix it.
Consumer complaint received 2017-12-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NJ)

I purchased a house in a sheriff foreclosure auction and the affidavit of consideration said that there was a senior lien from Wells Fargo of {$120000.00}, see attached and now Wells Fargo says that the payoff is XXXX, see payoff letter attached. I am in the process of selling the property and needless to say that additional payoff is killing me.
Consumer complaint received 2020-05-06
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. (CA)

When disputing two online purchases, on my business preferred ink credit card, which were never received, the Chase dispute department mishandled the case and did not hold the merchant accountable in providing documentations. 

Both transactions were for the amount of {$2500.00} totaling {$5100.00}. 

The first transaction was processed on XX/XX/XXXX for a half deposit of {$2500.00} for the purchased goods, and the second transaction of another {$2500.00} was processed on XX/XX/XXXX for the remaining order. After making the payments, I was charged a 3 % processing fee by the payment processor. 

I never heard back from the company after the payment was made and never received my purchased goods. 

After disputing the fraudulent transaction with Chase, they denied a fair case as they did not request any information from the merchant. They declined my dispute and did not uphold their purchase protection program on their business preferred ink credit card.
Consumer complaint received 2022-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2021 I closed my account with XXXX XXXX XXXX However I had a {$500.00} transfer from my chase account going into this account According to XXXX XXXX they said they would reject my funds and it would be going back into my chase account. I have filed a case with XXXX  and chase bank and both banks claim they dont have my {$500.00} transfer which shows it left chase bank into XXXX but no where to be found I provided XXXX XXXX with a Web ID number XXXX It was transferred over to XXXX XXXX account XXXX There is no way two major banks lose {$500.00} I need this investigated immediately and my {$500.00} returned
Consumer complaint received 2017-12-03
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: DISCOVER BANK (TX)

I the consumer declare that in XXXX XXXX that I pulled my credit report from the three major credit reporting bureaus and noticed XXXX and Discover accounts and hard inquiries ( XXXX/XXXX, XXXX XXXX, XXXX & XXXX XXXX XXXX ) I did not open or recognize and did not authorize and origination dates that are clearly erroneous. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods or services- or for any other purpose. Neither did I receive any money, goods, services, or other benefits. I have cooperated with law enforcement by providing all information I had regarding these fraudulent activities as my personal information was stolen. Someone has been using my personal information without my knowledge or permission since XXXX. I have filed a complaint with the Federal Trade Commission since Pursuant to the 1974 Privacy Act all 3 credit bureaus violated all privacy rights by sharing my information with businesses without my permission.
Consumer complaint received 2018-03-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AFNI INC. (TX)

No debt validation was sent prior to reporting an old account to the credit bureaus. As soon as I noticed the derogatory mark on my credit report I indicated that this debt was not valid via a direct dispute with the credit bureaus. 

The original debt is far beyond the statute of limitations. Therefore, this negative misrepresentation of old debt needs to be removed. Furthermore, I do not have any contract with : AFNI XXXX XXXX  XXXX XXXX, IL XXXX I was never properly contacted regarding this outdated account. This debt collector has no right to continue to collect this debt because the statue of limitations has ended and the debt was not validated. I need this derogatory mark removed from my credit report. I HAVE NO CONTRACT WITH AFNI.
Consumer complaint received 2018-12-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (CA)

US Bank is making unfair charges ( fees ) to my account. 
I am being charged an overdraft fee for a pending transaction. There was a deposit made to my account to bring it positive before the pending transaction was complete and posted to my account. The date of the transaction shown on my statement is the date it was initiated, however it usually takes two to four days for that pending transaction to be completed. The money does not leave my account or the bank until it is completed and posted. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX are dates when this has occurred. I have been charged {$36.00} for each date totalling {$100.00} for overdrafts that never happened. 
I should not be charged an overdraft fee for a pending transaction until the money is gone from my bank account, resulting in a negative balance ( not a pending negative balance ). 
I believe that they are processing debits to my account prior to the deposits causing the " available balance '' to be negative. Their computer system then automatically generates an overdraft fee charge to the account even though the actual balance remains positive. 
People used to write checks before they had money in the account, relying on the delay it takes for that check to be processed. US Bank is applying overdraft fees for the time that the transaction is still being processed but has not been completed.
Consumer complaint received 2018-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica (MI)

XX/XX/2017 I had {$420.00} taken from my VA XXXX comp deposited into my XXXX   XXXX checking account from XXXX XXXX. I called XXXX XXXX and was told no my SSN, Date of Birth, and other information did not match the account that charged to my debit card but since it was fraud I had to file a dispute with my bank. For many days I tried to contact XXXX XXXX XXXXo file a dispute finally after weeks of calling, being told I needed the " level 2 fraud '' department then after being transfered I woule get a message saying that they were busy and to try again later and abruptly hung up on, I finally got a hold ofsomeone and told them that I feel that should have a call back option. The rep got extremely rude and said thats just not an option, call back or don't, is there something I can help you with or not, in a rude tone. So finally I explained the situation and was told they would sebd out paperwork. I submitted the forms they sent tgat I recieved 14 days after talking to them. With my SSN and dob to show that wasnt my account because it toom so long I couldn't pay rent as my VA is rent money, we just went through an eviction and just foubd a place, then mid XX/XX/XXXX they gave a {$420.00} credit, and now today hours before my VA is to be deposited they removed {$410.00} from my account as a credit reversal, I was told the dispute is still ongoing and that they don't have a reason and don't have to give a reason as to why the credit was taken. I have a XXXX XXXX old daughter and a wife and am a XXXX. This is horrible treatment. I held up my part, tge company agrees account isnt mine, and these guys just randomly cor litterally no reason reverse a credit one day before my VA/rent money comes in? And when I ask for someone else they hung up on me. This is horrible mistreatment.
Consumer complaint received 2017-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (AZ)

Have a PNC Bank XXXX debit card that expires XXXX. PNC sent me letter stating that they will not issue me new card unless I call in to activate. However, when I phone XXXX it states that my ability to activate has been suspended. I have phoned the number on the back of my card at XXXX multiple times and either the call center is closed or I am put on hold for a long time. Please have PNC Bank activate and issue me a new card when my current one expires XXXX. PNC bank should have a 24/7 operator for its customers.
Consumer complaint received 2022-01-05
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BANK OF THE WEST (AZ)

Bank of the West XXXX XXXX XXXX Acct No. XXXX Payed off XX/XX/2021 Amount overpaid {$460.00}, XX/XX/2021 XX/XX/2021, Personally visited bank. Confirmed address and were told a check would be sent. 
XX/XX/2021 Via phone confirmed check was mailed. Address they used was in question so we were told that they would reissue check. 
XX/XX/2021, XX/XX/2021 and XX/XX/2021. Confirmed details said they would mail. 
XX/XX/2021, called again seems the results are always the same. Address was wrong AGAIN, and we confirmed address once again. 
We still have not received the money.
Consumer complaint received 2017-12-02
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (AZ)

On XX/XX/XXXX, I receive a letter of collection from XXXX ( XXXX XXXX, soon to be XXXX XXXX ) about a debt that I am already paying on via offset of my Social Security. They are threatening collection action if I do n't make payment arrangements ( current letter included, dated XX/XX/XXXX). I have been paying this debt, above a reasonable amount since XX/XX/XXXX ( Documents attached, except XX/XX/XXXX as that document is missing ). 
This company does not participate in an Income-Driven Repayment Plan with the US Government, Dept of Education, yet, they collect for the Dept. of Education. I have submitted such a request ( IBR ) to the Dept. of Education, via XXXX, and they have long-since accepted this. I am currently on forbearance. 
I highly resent their letters to me threatening collection when they are already collecting on the debt. I do not talk to them as they contact me through various, unknown phone numbers and often, the people on the other end are not helpful. Furthermore, voicemails that are left leave only a name of person to call and, " Please call this number and reference this file [ some number given ]. '' As no other information is left, no calls are returned.
Consumer complaint received 2020-05-06
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: FISERV INC. (CA)

I am XXXX XXXX and XXXX XXXX 
So almost one and half months back someone from XXXX emailed me asking to buy products. After having back and forth emails, and agreeing on the prices, they emailed their credit card information to charge. 
I sent them an authorization form and asked to fill up, sign and send back along with a copy of their ID. After I received their forms and ID I matched the info and put the information on my merchant 's virtual terminal to run the card. The card successfully went through. I waited couple of days, the amount hit the account so I shipped their goods through XXXX and they received it. 
They contacted again to submit another order which I did through the same process, I asked to sign a new form they did, they sent and I shipped the products. 
They contacted for their 3rd order, and again I went through the same process and shipped their products which they received on the XXXX. 
On the XXXX after 41 days from the 1st charge, I received a chargeback email from XXXX XXXX  which is my merchant account provider, showing that card holder is disputing all the transactions. 
The same day I filed a claim on IC3 but no one has contacted me yet. 
I also challenged the chargebacks by providing all the documents, and after all today the bank has denied the challenges. 
I called them to ask whats going on, but they didn't help at all and I was told that I have to pursue this out of the credit card provider company. 
I reached out to FTC and filed a claim with reference number of XXXX. The suggested me to call CFPB and make a complaint. So I reached out by the phone and was advised to come online and submit the claim here.
Consumer complaint received 2018-02-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (MA)

I opened my credit account in XXXX with the term that receiving XXXX bonus points after having {$50000.00} in acoount for 60 days. However, I still haven't received the bonus points today. I contacted citi 3 times ( through secured message, phone, and online chat ), and citi told me to wait at the beginning, and at the end refused to honor the term.
Consumer complaint received 2017-12-02
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. (TX)

Back in XXXX, I notified XXXX, Equifax and XXXX of fraudulent activity on my credit report with XXXX XXXX XXXX multiple accounts fraudulently reporting and XXXX and XXXX XXXX hard inquiries fraudulently acquired without my permission. As of today, nothing has been done. I 've provided Equifax and XXXX with requested info such as police report, identity theft affidavit, FTC identity theft report and more but XXXX, Equifax and XXXX have not deleted inaccurate accounts and inquries off my credit report. XXXX XXXX XXXX accounts are not mine. XXXX, XXXX, and Equifax has not complied after I have complied by provided proof those accounts are not mine or permanently deleting them off my report. They have repeatedly violated my rights as a consumer and are in violation of crediting reporting laws.D
Consumer complaint received 2018-02-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (FL)

HUNTER WARFIELD A COMPANY BASED IN XXXX FL THAT ACTS IN BAD FAITH AND TRY TO USES BULLYING TACTICS TO PREY ON INDIVIDUAL ALL OVER, NOW THIS COMPANY WE WENT BACK AND FORTH WITH CORRESPONDENCE I STATED TO THEM TO IDENTIFY THEMSELVES PROPERLY THEY DID NOT THEY GAVE ONLY THEIR NAME AND THEY WANT TO COLLECT A DEBT, THEY PRESENTED ME WITH A DEBT IN 5HE AMOUNT OF XXXX, I DONT KNOW WHAT ITS FOR HOW THAT DEBT WAS CALCULATED I NEVER AGREED TO THAT DEBT WITH, ANYONE I ALSO TOLD THEM DO NOT REPORT ANY ADVERSE INFORMATION ON MY CREDIT FILE UNLESS THEY CAN PROPERLY VERIFY EVERYTHING TO ME THEY WENT AHEAD AND REPORTED THE INACCURATE INFORMATION ANYWAYS, THIS IS THE WAY THIS COMPANY OPERATES, THEY PRIDE THEMSELVES ON USING STRONG ARMING TO GET YOU TO PAY DEBTS NOT OWED, THEY NEED TO REMOVE THIS ACCOUNT FROM MY CREDIT REPORT ASAP, THEY PROVIDE INFORMATION THAT IS SCKETCHY, INACCURATE AND INCOMPLETE ALL FCRA VIOLATION AND THINK THEY CAN ABUSE PEOPLE HOWEVER THEY WANT ... PLEASE REMOVE YOUR DEROGATORY LISTING FROM MY CREDIT FILE
Consumer complaint received 2017-12-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (MI)

I am filing this complaint on behalf of my clients. One of the owners has XXXX and XXXX and is very ill. The other spouse had to quit work so that she could tend to her spouses needs and they got behind on their payments and stopped making them. THey tried several times to find someone to refinance them but because of medical bills and loss of income it was impossible. They waited to long to put the home on the market because of the illness. Now they want to sell it so they can get the equity out and move on. The home is listed for sale, the owners have been foreclosed on and have a 6 month redemption period that ends on XXXX XXXX, XXXX. I faxed over the Third Party Authorizaiton and Payoff Letter on XXXX XXXX, I have been trying to reach a person/representative at Ditech since XXXX XXXX, XXXX and finally yesterday reached a representative on XXXX XXXX, XXXX. Their phone system would fail when I asked for a representative, calling several times per day. Every time I asked to talk to a representative it would transfer and I would get the message " you have reached an invalid number '', time after time. 

I asked to speak to a manager at Ditech and was transferred to XXXX XXXX XXXX, Ext XXXX. She said they did get my letter and Authorization letter and will be faxing me a letter in XXXX to 5 days. XXXX said that they could not give me a payoff because the loan was transitioning to XXXX XXXX. I told her there must be some mistake or I need to speak with another manager to get this payoff, she refused and told me there was no one else who could help me. I do know that my clients have a 6 month redemption period to redeem the property or pay off the loan. I need to get this payoff. XXXX XXXX told me to contact XXXX XXXX and gave me the phone number, so I did contact them. 

On XXXX XXXX, XXXX I called XXXX XXXX at XXXX and spoke with XXXX ID XXXX, I asked her if I could get the payoff for the loan and she said no, I would have to get the payoff from Ditech. Once the home gets to them it comes as a property and they do n't have any information on payoff. 

On XXXX XXXX XXXX I called XXXX XXXX at Ditech again and left her a message and let her know that XXXX XXXX does not give the payoff, that we have to get it from the lender Ditech. I am still waiting for XXXX to return my call. 

My clients have equity in the home and will be able to get there equity out so they can move on. I feel that Ditech is making it difficult and are playing games since it is a higher end home and there is equity there. Or I just have not spoken to the right person at Ditech and XXXX is to lazy to find out who I really need to speak to. 

We really need help with getting to the right person and getting the payoff.
Consumer complaint received 2020-12-09
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: EQUIFAX, INC. (SC)

My identity was used by someone else to open fraudulent accounts. This has resulted in the following ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.
Consumer complaint received 2019-08-19
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (IN)

Case No:XXXX-XXXX,on XX/XX/XXXX and XX/XX/XXXX,I XXXX XXXX XXXX received my XXXX from Social Security Administration my Deposit of:$XXXX Deposit from JP Morgan Chase XXXX XXXX XXXX said it was an Invalid account number but Social Security Administration don't make mistakes like this ofXXXX:XXXX:XXXX:XXXX.Account Ending in:XXXX
Consumer complaint received 2020-05-06
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (MI)

SECOND complaint about the SAME ISSUE!!! 
XXXX XXXX XXXX - XXXX XXXX XXXX  with PayPal Credit. - Issue NOT resolved!! 

Every month I have to call PayPal credit because there is an error with my account. XXXX 's statements showed I owed {$2400.00}. The correct amount owed was {$23000.00}, from two purchases on Easy Payments with 0 % interest. The difference is {$170.00} which turns out is from a credit that WAS NOT PROPERLY credited to my account per a Paypal credit representative that I spoke with on the phone. The Easy Payment, payment due is approximately {$130.00} a month, yet I had to make a payment of {$140.00} due to the additional {$170.00} showing as owing on this account. 
Now on XXXX 's Statement, it shows I owe {$2300.00} and that I am now being charged interested!!! Which yes has been credited to my account. The CORRECT balance owed is {$2100.00}, now a difference of {$150.00}. Again, payment must be made of {$140.00}, which is HIGHER than I should be paying as the ONLY charges on the account are the two EASY PAYMENT charges!!!

While my first complaint shows as the issue was resolved it was NOT. THEY LIED TO YOU!!! They only credited me the interest charge - THEY HAVE NOT FIXED THE ISSUE OF THE {$170.00}!!!!

As I have stated before, you should investigate every single account held by Paypal credit as I can only imagine how other people 's accounts must look if they can not even keep mine correct!!! 
EVERY MONTH I HAVE TO CALL BECAUSE SOMETHING IS WRONG!!!
Consumer complaint received 2020-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (CA)

I manage a travel agency and I use my CITI credit card for air tickets booking. During the past few months, due to the impact of the coronavirus, hundreds of tickets were cancelled and the money went back to my CITI credit card. But Citi bank has made it so difficult to refund the money to my checking account. 
Last month when the total money they owed me became as much as {$200000.00} USD I had to file a complaint with this same office and they eventually contacted me on XX/XX/2020, and issued the refund a few days later. 
Today, the money they owed me reached {$33000.00} and after I contacted CITI I was told my request for a refund was declined because of open disputes. This doesn't make any sense? I am very dissatisfied with the way I am treated and demand whatever CITI owes me to be refunded asap. I will make complaints to all places possible. if this isn't resolved in a timely manner.