davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-15
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Synovus Bank (CT)

I opened a prepaid credit card account. Before even receiving the card they charged me {$30.00} dollars for the annual fee. After 3 months I still never received the card but the company started charging me late fees. I called numerous times and all the representatives said that I had yo pay the fee and late charges in order for them to send out a new replacement card. After over 6 months I never received any card but yhe company simply kept charging late fees in an account that I never even activated because I never received the card. Finally in the beginning of XXXX they sent an email that they closed the account and basically ate up my deposit
Consumer complaint received 2024-02-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rausch Sturm LLP (TX)

Subject : Formal Complaint against XXXX XXXX and Rausch, Strum, Israel, Enerson & XXXX  To Whom It May Concern, I am writing to formally dispute and bring to your attention of XXXX XXXX and Rausch, Strum, Israel, Enerson & XXXX egregious violations of consumer protection laws, specifically 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), and 15 USC 1681-s2 ( 7 ) ( A ).

Upon my attention to reviewing my credit report XXXX XXXX and Rausch, Strum, Israel, Enerson & XXXX placed collections on my consumer file without issuing the requisite notice and without notifying me of my right to dispute this alleged debt. 
Upon reviewing my credit report, I have identified discrepancies that directly contravene the aforementioned statutes. The inaccuracies from the collection agency are violating my consumer rights by using false misleading, misrepresentation, and deceptive means. Im requesting the purchase agreement between the debt collector and original debtor. As well Im also demanding a request to furnish proof that you are licensed and bonded. 
These violations have caused significant harm to my creditworthiness and financial standing. As per the regulations outlined in the consumer protection laws, I request that you promptly investigate these discrepancies and take appropriate actions to rectify them. 
According to the date on my consumer report indicating that I opened an account with XXXX XXXX and Rausch, Strum, Israel, Enerson & XXXX is blatantly false. I neither received any services or products from XXXX XXXX or Rausch, Strum, Israel, Enerson & XXXX into any contractual agreement with them. This information tarnishes my credit history and infringes upon my consumer rights. 
Under 12 CFR 1006.34 ( d ) collection agency has no authority to furnish any account to a consumer reporting agency without providing all disclosures required by law, and they are in clear violation, I am entitled to a timely and thorough investigation of my dispute. I expect that you will adhere to this requirement and provide me with updates regarding the progress of your investigation within the legally mandated 30-45 days timeframe.

Furthermore, under 15 USC 1681-s2 ( 7 ) ( A ), I reserve the right to pursue legal remedies for any failure to comply with the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ).

Im formally demanding the swift deletion of this collection from my credit report, and I trust the Consumer Financial Protection Bureau will thoroughly investigate and address these infractions. 
I hereby declare my revocation of all communication channels with XXXX XXXX and Rausch, Strum, Israel, Enerson XXXX XXXX, including text messages, emails, and phone calls. I insist on engaging exclusively through written correspondence. 
Thank you for your prompt attention to this matter. I anticipate a swift resolution. Please keep me informed about the progress of this complaint.
Consumer complaint received 2024-02-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/year>, I took my XXXX XXXX debit card ( which has my tax refund on it ), to a Wells Fargo bank on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX where I have a checking and savings account. 

The teller ( s ) told me the XXXX XXXX card was declined, yet when I used it in the Wells Fargo ATM machine, it worked fine. I withdrew {$260.00} cash from the XXXX XXXX card at the Wells Fargo ATM and deposited it in my Wells Fargo account. Wells Fargo could not tell me what my daily withdrawal limit would be from my XXXX XXXX XXXX 

I wanted to transfer my entire tax refund ( not just the {$260.00} ) to my Wells Fargo account, and 3 employees insisted that I could not do that. 

XXXX XXXX says on their website that their XXXX XXXX XXXX, XXXX XXXX, is capable of interacting with Wells Fargo bank.
Consumer complaint received 2022-10-03
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

Capital one credit card is showing 4 missed payments. Purchases were made on that account that were not mine and I disputed it directly with the company. They gave me a credit then reversed it while providing proof that it was not mine.
Consumer complaint received 2024-02-08
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc. (FL)

I had XXXX in XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX, MO. After paying more than half of the costs, I set up a payment plan of {$280.00} per month that started in XXXX XXXX XXXX. After I moved, from XXXX to XXXX, and changed jobs, the automatic payments stopped in XXXX XXXX XXXX. I wasn't aware and once I noticed the issue in XXXX, I immediately paid {$280.00} on XX/XX/XXXX. I then set up a new payment plan of {$230.00} per month that started on XX/XX/XXXX. I then received a letter dated XX/XX/XXXX ( after the payment and payment plan ) that I had been turned over to CBE collections. I was making payments and had a plan. I don't understand how they could turn me into collections when that was the case. I have had multiple questionable interactions with the billing department of XXXX XXXX XXXX and saw numerous references to questionable billing practices about XXXX XXXX in XXXX reviews. Thank you.
Consumer complaint received 2024-02-14
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: JPMORGAN CHASE & CO. (MO)

I am appealing for assistance after the death of my son and his vehicle repossession. We are stuck in limbo while waiting for documentation from probate. our probate date is XX/XX/2024. While we are legal representative and legal heirs Chase auto finance has repossessed the vehicle ( XXXX XXXX ). Our frustration is there no protection to hold sale of the vehicle for a few weeks while we get the documentation? I had been in communication with them since our son passed without a will ( XXXX, XXXX and XXXX ). We are really at a loss how to proceed. We have notified of our intent to pay in full once we know amount and procedure. We demand contents of the vehicle to be preserved until we have proper paperwork. Do we have any legal rights during this process? Please assist in anyway to hold vehicle from being sold until we get proper paperwork ( this is likely only XXXX weeks away ). This is compounding our grief to lose the contents of his vehicle ( which are items we had just removed from his living space ). it is a heartbreaking scenario where it seems the law is on the side of Chase Auto Finance. I am not sure what documents would beneficial. Please advise. We have not yet received letter of notification of sale ( which should be address to our son ). We have provided written documentation to Chase indicating intent to pay, payment made, notification of probate date, and request to hold vehicle and possessions.
Consumer complaint received 2024-02-14
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC (GA)

A while ago my car was disabled. My account was not behind on payments. It was up to date yet disabled and then repod. I asked for clarification as to why and never received a response but was expected to pay the balance left on the loan.. and then the car was sold.
Consumer complaint received 2024-02-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A. (CO)

I had a wire transfer of {$10000.00} on XX/XX/2024. The money was sent from my bank ( XXXX ) to the recipient 's bank ( PNC ). The recipient 's ( PNC ) bank account was closed a few years ago, but the wire transfer still shows as completed. The recipient visited a PNC branch and confirmed that the account was closed, and wire transfers can not be made to a closed account. XXXX has already sent multiple messages to PNC to recall this wire transfer, but PNC has refused to cooperate, and there has been no response to their messages regarding the recall of the wire transfer.
Consumer complaint received 2016-04-11
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO. (CO)

I would like assistance in disputing the following charges {$7900.00} made on XXXX paid to XXXX XXXX XXXX and {$7400.00} made on XXXX paid to XXXX. These are XXXX companies who contacted us after we purchased what we thought was a legitimate online, home business. XXXX XXXX XXXX was supposed set up a business entity, create a custom business plan, corporate credit building and training. They did not provide the services that we purchased other than setting up the XXXX and submitting the wrong information to XXXX XXXX XXXX. This company took advantage of us by price gouging us for services we did n't need and did n't even deliver. XXXX was supposed to do social media pages, XXXX marketing and product sourcing. They sent us an awful XXXX sample video. Bottomline is we have been taken by these companies and would like Chase to help us obtain a refund of the money that they have unjustly received. I think based on the time that has lapsed, these guys are never going to deliver and at this point it is clear that they were not going to in the first place.
Consumer complaint received 2024-02-14
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (TX)

I selected a Chase offer for a hotel stay that I had upcoming in XXXX and booked a hotel using their card to redeem the Chase offer of a 10 % cash back for the stay. I completed my stay including making the credit card transaction to complete the payment on XX/XX/XXXX. The offer did not expire until XX/XX/XXXX. The payment was pending on my account and it was eventually posted on XX/XX/XXXX. The Chase offer had expired at this time so I called Chase on XX/XX/XXXX to ask about the offer since my transaction was completed on the XXXX, prior to the expiry of the offer. They asked me wait 14 days from the day of the transaction. So, I called again on XX/XX/XXXX since the offer was not redeemed and I was told that it would be escalated to higher level management. Since I did not receive any response and the offer was still not redeemed, I called again on XX/XX/XXXX at which I was told that a physical letter was mailed to me that the offer was not able to redeemed since it was posted after the XXXX even though the transaction date is listed as the XXXX. I have a paperless account with Chase in order to ensure all communications are sent to me via email and I did not receive any notification of this letter.
Consumer complaint received 2017-04-21
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Financial Corporation of America (UT)

I fell behind on payments but have been as steadily making payments as possible with th exception   XXXX  of 17.  I called for help they were able to offer me none. The calls and messages are unbearable as they were several times a day and even the day after I made a large payment to their corporation  XXXX /17  . I asked on  XXXX /17   that they stop calling me. On  XXXX /17    XXXX  MST and again  XXXX /17    XXXX  MST for some reason the calls have resumed.
Consumer complaint received 2016-07-22
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO. (MA)

I had XXXX chase credit cards, I 've had them over a year and have always paid more than the minimum due and have never missed a payment. My cards were stolen or lost and fraudulent charges were on my statement. Chase was very helpful to return the funds from those transaction but they never changed the credit card number so the cards were charged again by the same vendors multiple times. Finally someone in their fraud department realized what was going on and changed my credit card number. But now Chase has canceled my cards stating that I have too many fraudulent changes from the same vendors even though it was their internal error! I called and they can not give me the number of the department that makes these decisions and their is no appeal process. I was to apply for a new credit card but that would mean carrying additional debt and a hard inquiry to my credit report. Chase has severely hurt my credit report since I now have closed accounts with balances and my debt to credit ratio has sky rocketed because of their own error.
Consumer complaint received 2019-05-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

Franklin American Home Loans did provide me with a loan ownership transfer notice nor did the new servicer, Citizens One Home Loans. I found out about this today when I went to make my mortgage payment and was unable to access my account. I then wait 1 hour and 23 minutes on hold while calling Citizens to obtain my new account information. Extremely poor service from both lenders.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank (IL)

On XX/XX/XXXX First Progress reported a 30-day late payment to the credit reporting agencies but made no attempt to contact me to inform me of the debt or the late status. The Fair Credit Reporting Act requires companies to make an earnest attempt at notification prior to making a negative credit report. I filed a complaint with the XXXX XXXX XXXX on XX/XX/XXXX ( attached ) and as a result First Progress agreed to remove the negative mark ( 30-day late payment ) from my credit. Please see the attached letter from First Progress to the XXXX  dated XX/XX/XXXX which I will quote here : " We have determined XXXX XXXX qualifies for an adjustment to his credit report. We have submitted a manual update to all three credit bureaus asking them to update their records and remove the late marks on his account. '' On XX/XX/XXXX, I pulled 30-day late my credit from all three bureaus and found the 30-day late mark is still present from First Progress. I filed a dispute with each credit agency. Each agency claims to have verified the late mark with First Progress and claims that it is still valid. See the attached dispute reports from XXXX and XXXX.
Consumer complaint received 2015-12-30
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: STERLING JEWELERS, INC. (CA)

I was at Kay Jewelers in XXXX XXXX, FL and the salesman asked me if I was a rewards member. I replied no, but was interested because I wanted to get my girlfriend a pricey set of jewelry. The man said that with the rewards card I can also finance some of their products too. I believed that was great but I did n't want to take out any credit cards, so i asked the man if it was a credit card, or if it will affect my credit. The man assured me that it was not a credit card, and that it is only for financing in store, so it wont affect my credit. I was like OK great, let me sign up. I later in the month check my credit through an online credit checking service, and my credit score had gone down about XXXX points due to a new line of credit and a hard inquiry in my credit.I did not solicit a new line of credit and i was not told it was going to affect my credit, the salesman said rewards card that also allows for financing. I specifically did not want to touch my credit because I plan to buy a car and I wanted my credit to be good not XXXX points lower.
Consumer complaint received 2015-06-04
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Consumer Portfolio Services, Inc. (PA)

I told this company to stop calling me. They have called me over and over and even my employer. This company has even went to the point of calling me where it shows up as unknown on my cellphone. It is starting to be annoying and I feel like I 'm being harassed by this company.
Consumer complaint received 2016-10-19
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (MN)

Chase received the short sale offer on XXXX/XXXX/16. Due to Chase 's stall time in reviewing the file, the appraisal has expired and new appraisal needed to be ordered. USDA will not review shorts sales if the sheriff sale has occurred. Sheriff sale is scheduled for XXXX/XXXX/16. On XXXX I requested that Chase postpone the sheriff sale. As of today XXXX Chase still has not postponed the sheriff sale. This is unacceptable as we have a short sale offer for the property. We consistently have issues with Chase and their review process for short sales. File has been escalated through Chase as well and still no postponement of sheriff sale. Sellers are trying to do the right thing by doing a short sale and not letting the property go into foreclosure and Chase is harming our clients. Please submit this complaint to Chase to have them postpone the sheriff sale date ASAP!
Consumer complaint received 2024-02-16
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Fees charged
Company: RENASANT CORPORATION (GA)

To Whom It May Concern, I am seeking assistance from your institution to resolve a mortgage refinance issue. On XX/XX/XXXX I closed on the refinancing of my home. My original payout cost was {$83000.00}, which was the final balance left on the house as of XX/XX/XXXX per Renasant Bank. But when Renasant Bank printed the Forbearance Agreement for the Mortgage Pandemic Relief ( see attachment ) the new payoff amount stated the original loan was now {$92.00}, XXXX. By definition, the Mortgage Relief Program was a grant fund for homeowners to ease their financial hardships that resulted from the COVID-19 pandemic. These funds are free grants that are NOT required to be paid back per the COVID-19 Mortgage Pandemic Relief Program. According to Renasant Bank I now owe those funds back in the amount of {$8400.00}, which was added to my new balance. 
During the refinancing process I added a credit card balance of about {$26000.00} to reduce my debtors. After this request I now realize that my final home balance had been increased to {$92000.00} instead of the original amount, which was {$83000.00}. Therefore, when the Renasant Bank added my credit cards to the new home balance it totaled to {$120000.00} ( amt paid by XXXX XXXX XXXX XXXX new lender ). But according to the original documents my payoff should have been {$100000.00} ( estimated ). I would like this discriminatory and unjust treat to be abolished immediately. Please inform me of any assistance to reversed, refund, or/ and resolve this issue. Thanks in advance. 

Regards, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-16
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CA)

I had a balance of XXXX on my Chase Southwest Card. I paid, on time, XXXX ( one penny over the amount due ) but was still charged XXXX in interest. I called the company and asked for the fee to be removed. The first person said I was correct but she needed to get her manager. Her manager said that he couldn't remove the charges but they would mail a written response within a week. Nothing ever came. I would like a refund and am concerned that they are charging other unsuspecting people too. I sent my bill to congresswoman XXXX and her staff told me to contact you.
Consumer complaint received 2017-01-13
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Paramount Recovery Systems, L.P. (TX)

I have not received any validation documentation from PARAMOUNT RECOVERY. A bill is not validation, I 'd like to see original documentation with my signature. I am allowed under the Health Insurance Portability and Accountability Act to protect my privacy and medical records from third parties. 
-Please provide breakdown of fees including any collection costs and medical charges. 
-Provide a copy of my signature with the provider of service to release my medical information to you. 
-Cease any credit bureau reporting until the debt has been validated by me.
Consumer complaint received 2017-01-25
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Bureaus, Inc. (TX)

XXXX XXXX XXXX XXXX, WA. This company bought my outstanding loan from XXXX which is XXXX years old. Added interest to my balances and trying to aggressively collect the debt saying they will make sure the collections remain in my credit reports for another 7 years.
Consumer complaint received 2024-02-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: JPMORGAN CHASE & CO. (IL)

The salesperson lied about what would/would n't be required. The underwriters asked for things of me that they would not have asked of others. They would not escalate to higher levels. They did not respond to email requests. The conditional approval letter required things that weren't applicable. For example, they wanted a copy of the escrow check and the proof of clearance on the escrow check, even though this sale did not have an escrow check. They had the purchase agreement in hand from day XXXX and kept saying they did not, even though proof was provided showing the salesperson from Chase had the purchase agreement and the extension of the closing date. The salesperson said no appraisal would be required, because the house had been purchased ess than a year ago. The salesperson said no corporation tax returns would be required, and then they changed their mind. They demanded a letter from the corporation selling the house stating what the plans were with the proceeds of the sale. They Chase website what having problems accepting documents I was attempting to upload. The site said there was an error with the site, and Chase blamed me. On two separate occasions during the process, representatives from Chase LAUGHED at me because I was asking questions as to why they needed certain information. In numerous situations, Chase did not respond to email for up to 5 days, delaying the mortgage process and causing the costs to be increased.