davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (VA)

There are XXXX different companies I was involved in scam disguising as trading platform for trading XXXX XXXX The total amount is in excess of {$500000.00} USD. 

The trading platform companies are XXXX, XXXX and XXXX The money was transferred from XXXX of my bank account. One was Chase Bank and the other is XXXX XXXX  The funds were transfered to XXXX and XXXX XXXX XXXX 

I have approached all the above financial institution and have not received a favorable response from any of them. 

The amounts that was transferred from Chase bank are listed below. Some of them to XXXX and most of them was for XXXX ( trading platform ) {$25000.00} on XXXX XXXX, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, and XX/XX/2023 {$15000.00} on XX/XX/2023, XX/XX/2023, and XX/XX/2023 {$40000.00} on XX/XX/2023 {$20000.00} on XX/XX/2023 {$24000.00} on XX/XX/2023 {$6000.00} on XX/XX/2023 {$10000.00} on XX/XX/2023 {$19000.00} on XX/XX/2023 {$20000.00} on XX/XX/2023 {$8000.00} on XX/XX/2023 {$7900.00} on XX/XX/2023 {$150.00} on XX/XX/2023 XXXX, Around XX/XX/2023, XXXX USD from my XXXX account to a XXXX-exchange platform named XXXX 

Trading platforms : XXXX disguises as gold futures and provide buy sell signal and when the profits reached over $ XXXX, they said, I have to pay taxes and after paying the taxes, they declined to release the funds. 

XXXX and XXXX  - Intentionally give wrong trades with excessive hedging and take away the funds pointing towards market changes. 

I still have there telephone number contacts.
Consumer complaint received 2021-05-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (TX)

XXXX XXXX Mortgage Provider = XXXX XXXX Customer Service XXXX XXXX Loan Number XXXX My phone number : XXXX My email : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX TX XXXX Dear CFPB, I paid my house off on XX/XX/2021 and am due a refund of my escrow account in the amount of {$4400.00}. I called Loan Depot on XX/XX/2021 and asked my representative when the check was mailed. The rep responded that it was mailed on XX/XX/2021 and that I should receive it any day now. I called back today XX/XX/2021 and spoke to another rep and asked them to reissue the check to me as I've waited long enough since it's been almost four whole weeks from the date the check was supposedly mailed. The rep refused to reissue the check stating that I must wait another full 30 days from the postage date before Loan Depot can reissue the check. I then asked if she could at least verify the check has not been cashed to help ease my concern. She put me on hold, I waited for 37 minutes and then the phone hung up. 

I went to your CFPB website to see what I could learn about acceptable behavior for timing of a refund of my escrow check and all I could find is that it should be mailed 20 business days post payoff of my mortgage or roughly 30 days. It's unclear to me if my refund should be delivered within 30 days from the date of my payoff? It appears Loan Depot 's position is that as long as they mailed my refund within 30 days of my payoff then they are off the hook, even if my refund was never received. I am of the vantage point that if they are going to wait the full 30 days and earn interest off of my escrow, then they should have some skin in the game to ensure my check is properly delivered, especially a {$4400.00} check. Who in their right mind puts that much money in reg mail without any form of tracking? In any event, I feel Loan Depot may be in violation of my rights as a consumer, especially if they are forcing me to wait another 30 days prior to reissuing my refund. 

Please advise if I'm being unreasonable and I'll not pursue this any further. But if the CFPB agrees that this is not reasonable then lets move forward to the full extent of my rights as a consumer. While big banks can expect my mortgage payment within two weeks of a due date and then charge me for a late fee, I feel that the favor should be returned when waiting almost two months to receive my refund. I have bills to pay, and unlike the big banks, I do not have millions sitting around in my checking account to get by on. 

All the best, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX cell
Consumer complaint received 2022-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (AL)

My payment is due on the XXXX of each month. On Saturday, XX/XX/XXXX, I logged in to my account with TDBank ( onlineaccessplus.com/tdbank/ ) and noticed they hit me with a late fee on XX/XX/XXXX. 

I tried calling, but naturally, they were closed because it was the weekend. I tried calling Monday, XX/XX/XXXX. After being on hold for 47 minutes, my call was disconnected. When I called again later that day when I got off work, they were closed. Tuesday, XX/XX/XXXX, I sent a message through their online center asking why I was assessed a late fee before the payment due date and they indicated they charge fees the day before it is due and then go back and correct if the payment is made? I have an attachment of a screen shot of this. 

This is not the first issue I have had with them where they had to correct fees. I feel strongly that this would fall under the " Unfair Deceptive Abusive Acts & Practices '' procedures. So, I made my payment as I normally due, but this late fee issue is something that is a concern and moving forward, now that I am setting up auto pay to come out on the XXXX, I don't want to have to worry about a fee EVERY SINGLE MONTH and then worry about having to check to see if it was corrected. 

I have had 4 payments due of {$58.00} since starting this credit balance with TDBank. I was told that payments of {$50.00} would start being due in XXXX. My initial purchase was XX/XX/XXXX. When I tried getting my payment due in XXXX, I was unable to locate anything showing due, so I paid {$50.00} to avoid being " late ''. Since inception, I have paid {$310.00}, all the while, my payments due were only XXXX. This means that my " balance '' should be XXXX. This is a 0 % interest account. As of right now, my balance reflects {$2500.00}. 

I spoke to a rep on XX/XX/28, who saw the issue and said they were clearing the 2 late fees assessed from XXXX. However, they waived both late fees and turned around on the SAME DAY and assessed another, when no payment was due.
Consumer complaint received 2022-07-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (OK)

A search for Zelle 's Customer Service was made on XXXX. A website was identified with an site address as XXXX. The person answered as a Zelle employee and indicated that my money was held up on Zelle 's server. I proceeded to work with the " so call Zelle representative '' on running an identification verification using Zelle. The phone number I called was XXXX, in which he asked to call me back on his desk phone at XXXX. After instructing me to transfer on Zelle, {$220.00}, in which he assured me was not being with drawn but only to authenticate my location. He asked to perform the same process with {$550.00} for my identification. At this point, I stopped him and call XXXX XXXX immediately to stop the initial transaction.
Consumer complaint received 2024-03-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

We signed up for XXXX XXXX XXXX XXXX via their door-to door salesperson in XX/XX/XXXX. We were told that if we were not satisfied with the service, that we could cancel anytime like you would with XXXX. We attempted to cancel on XX/XX/XXXX only to be hit with a {$190.00} cancellation fee that was not mentioned by the salesperson, but was buried somewhere in a contract that we were told we signed/access to, but I have not found anything regarding the fee. My husband attempted to call XXXX only to b hung up on. I disputed the charge with Chase Bank on XX/XX/XXXX and the money was returned to us. On XX/XX/XXXX, Chase told us our claim was denied and that we authorized the charge. XXXX did not authorize the charge, we were not told that the {$190.00} would be charged by XXXX XXXX XXXX  should we cancel, and if we would have been told about the fee we would never have signed up. XXXX is incredibly shady and not transparent. This is a common occurrence with them as their reviews online are similar to my account. I feel the company should be more up front with their fees to begin with and Chase should have done further investigation before denying our claim. Not everyone can afford to be hit with {$190.00} along with everything else.
Consumer complaint received 2021-02-25
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (GA)

Good Day On XX/XX/XXXX I took a payday loan with NetCredit for {$9900.00} which I only received {$8500.00} due to fees. I specifically asked about how the interest was applied and why it was so high and I was told that high rate of interest would only apply if the loan payments was late, missed or default. I have made 45 payment of {$240.00} in the amount of ( {$10000.00} ) which is my principle and some interest paid but NetCredit is now telling me the interest started from day 1 and expects me to continue payments until XXXX with the total amount of {$32000.00} which surely violates the laws of interest applied as a payday lender in the state of Georgia.
Consumer complaint received 2022-07-19
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. (FL)

My information was leaked in a data breach and was used fraudulently to open accounts without my permission or knowledge. I have filed a report with the FTC report number FTC number : XXXX XXXX XXXX XXXX {$140.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$160.00} XX/XX/XXXX XXXX XXXX XXXX {$2500.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2015-05-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

I am attempting to avoid a foreclosure sale. I have submitted a completed mortgage assistance package to my servicer - Wells Fargo Home Mortgage. I also have equity. Wells Fargo has not postponed the foreclosure sale because they prefer to take the equity from me and profit from my distress. I fell behind on my mortgage because of long and painful XXXX treatment.
Consumer complaint received 2022-08-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 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 has violated my rights .

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Consumer complaint received 2022-07-19
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: Experian Information Solutions Inc. (NC)

the XXXX Bureaus haven't responded to any of my Complaints and a friend of mine told me they have to respond within 30 days and I still don't have any results of they investigation
Consumer complaint received 2022-07-19
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: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX XXXX, Consumer, and a natural person am aware of all rights that I have, and which are protected by Congress and under the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX. XXXX XXXX Account number : XXXX XXXX. XXXX XXXX XXXX Account : XXXX XXXX. XXXX Account : XXXX XXXX. DEPT OF EDUCATIONXXXX Account : XXXX -Original loan amount {$2600.00} DEPT OF EDUCATION/XXXX- Original loan amount {$1000.00} 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2022-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: AMERICAN EXPRESS COMPANY (NJ)

On XX/XX/2022 I was approved for the American Express XXXX XXXX card. I only applied for this card as it provided 0 % APR for 15 months AND an option for balance transfers ( see Rate & Fee document attached ). Upon inquiring with AMEX MULTIPLE times I was given many different answers 1. AMEX doesnt do ANY balance transfers ( yet theres a balance transfer section when looking for new credit cards on the AMEX website ) 2. You can transfer your balance from another AMEX, but outside transfers arent allowed 3. The XXXX XXXX card allows balance transfers. I could do a lateral change to that card, but it wouldnt be a new account so I wouldnt have a balance transfer promotion. 

I can not believe how uninformed the AMEX staff is. I also agreed to documents stating I could do a balance transfer for a 3 % or {$5.00} fee. 

Now Im stuck with a new credit line and inquiry on my credit report thats rendering me USELESS.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA (FL)

First off I just want to say this is THE WORST company I ever dealt with on a credit card! NONE of their representative know what they are talking about. 
My account was placed in deferment due to financial hardship. I was clearly told in writing that in XX/XX/2023 my next payment will be XX/XX/2023. 
I started getting late notice in the beginning of XXXX and I had contacted the bank dozens of times. 
Each time it would be a totally different answer from the next and NONE of them know what they were talking about. 
They manage to report my XX/XX/2023 payment as 30 day late when I didn't have a payment due till XX/XX/2023. 
I have spent months now asking them to get an executive office to reach out who has knowledge and authority to speak to me with ZERO success. 
I tried the same route of chatting them and same thing not now person is knowledgeable enough and try to tell me I was late when it was CLEAR AS DAY IN WRITING I didn't have payment due till XX/XX/2023. NO ONE has reached out to me to help and I told them I will not pay until this mistake is resolved.
Consumer complaint received 2022-07-19
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. (FL)

My name is XXXX XXXX XXXX, Consumer, and a natural person am aware of all rights that I have, and which are protected by Congress and under the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX. XXXX XXXX Account number : XXXX XXXX. XXXX XXXX XXXX Account : XXXX XXXX. XXXX Account : XXXX XXXX. DEPT OF EDUCATIONXXXX Account : XXXX -Original loan amount {$2600.00} DEPT OF EDUCATION/XXXX- Original loan amount {$1000.00} 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2015-10-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: I.Q. DATA INTERNATIONAL, INC. (NV)

This company informed me that first ; they were suing me. I then asked again if they were suing me, they then informed me that they were in the process of suing me. I then asked questions, the story then changed to ... ... they were in the process or making an attempt to sue me and that I would be faced with a summary judgment and then be required to pay legal fees as well. They then informed me that regardless a summary judgment would stay on my credit report for ten years if I paid or not.
Consumer complaint received 2024-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

I open a business account from chase bank on XXXX and deposit {$40000.00}, until XXXX, there is total XXXX unknown online wire transactions during thus XXXX years ( yellow highlights from documents ) and my account is only have {$5.00} right now. The bank open a case and admitted that someone hacked into my account but the claim department doesnt authorized because under their policy its more than 2 month to claim the transaction. However, I didnt receive any text alert or security phone call to verify all of these transaction, how can I know my account is been stolen? I need to be treated fairly and get my money back.
Consumer complaint received 2022-01-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (MO)

The story started back in XX/XX/XXXX. Someone had set up a XXXX  credit card account and had my name and Social Security number ( I suspect ). They used my company address, phone number, and my company email address. They used an email address that is not mine : XXXX. They used a phone number ( XXXX ) that, when XXXX, is to a XXXX XXXX XXXX I am an XXXX I do not run an XXXX XXXX And XXXX XXXX  called me and said this is whats going on and I said that it was not me. I filled out a form for dispute resolution department at XXXXXXXX XXXX. I marked " I am requesting that my response be attempted for this dispute I understand that the issuing bank does not accept my response that I will be charged the XXXX pre-arbitration fees imposed up to $ XXXX '' See pdf file attached. And that was the last I heard from them. They accepted that and said to file a police report. We tried to file a police report. But the XXXX XXXX County police department would not accept a complaint because there was no harm done to me, there is nobody to chase, and it was not in XXXX XXXX XXXX. Now XX/XX/XXXX XXXX being contacted by a collection agency for {$6200.00}. I was told by XXXX XXXX to file a fraud alert with my with three credit monitoring companies. I have done that. 
The XXXX  reference number is XXXX. The XXXX number is XXXX.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (TX)

I disputed errors on my credit reports from XXXX, XXXX, and XXXX. Despite providing details and an affidavit ( attached ), they failed to act. 

Nelnet 's inaction violates the FCRA. I request the CFPB investigate and instruct them to : Investigate each disputed item in the affidavit. 
Remove any inaccurate or unverifiable information. 
Notify me of the results within 21 days. 
Failure to act will prompt further action, including legal action or reporting the violation.
Consumer complaint received 2015-06-19
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (AR)

My mother recently passed away and I was taking care of all her finances for the last XXXX years including the credit card. It was a dividend card. I paid the XXXX statement in full as all other statements and asked for the dividend XXXX check to be sent to her estate. They said no.
Consumer complaint received 2024-03-08
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MN)

I had a CD IRA - acct ending in XXXX that was in its grace period, starting XX/XX/year>. I called on XX/XX/XXXX ( first of 8 calls ) to have the account closed and the proceeds internally transferred to my MM savings account ( also an IRA. ) My last call was made XX/XX/XXXX. I have been unable to reach someone that can tell me the status of the request. CD went into renewal, which was not what I asked to have happen. I would like the account closed and the money transferred to the MM IRA as requested on the XXXX XXXX XXXXXXXX. 

I later completed and submitted paperwork for the same request, although I was assured that this was a back office request.
Consumer complaint received 2015-05-01
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (NJ)

I have had a Macys credit card for several years. Every time I charged purchases it was paid in full on time. XXXX 2014 I lost my job. My mother paid my Macys bill in the store. She did not realize there was a {$35.00} late fee. Thinking the bill was paid I was surprised when I was told I owe over {$200.00}. They are charging {$35.00} every month on the {$35.00} late fee plus interest. My mom says that is illegal and that I should contact this agency. Both my mother ( with my consent ) and myself have spoken with them to no avail. It has go into a collection agency seeking {$220.00}.