davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-18
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (NY)

Earlier this week, I had a call come in that turned out to be someone attempting to get my bank information. I called Chase and let them know about the call and that I was concerned because someone apparently had at least some of my information. They verified that everything was fine with my account and not to worry. If anything came up, I would be contacted through their secure messaging. 
So yesterday, I was checking on my account and saw that a check that was supposed to be there, was n't. I verified that it was actually supposed to be in my account by yesterday and then called chase to find out what the hold up was. They verified that the money would be in my account by the end of the business day. They also said that there was a restriction on my account but not to worry. 
I sent an email later in the day through their messaging system to find out what this restriction was. they sent me an answer with a number for me to call. So I did. Turns out the restriction was that Chase was closing my account. Even better, they would not tell me why. the representative would only say that Chase has the right to close any accounts without any warning or explaination. She did say that if I called today that I would be able to go and take my money out of the account today. 
So I called today. And was told that no, I could not take my money out today and that they would be sending me a check for the amount. 
So now are they not only closing my account without reason, but they are now holding my money hostage as well. I am at my wits end and I do not know what to do at this point.
Consumer complaint received 2022-08-04
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. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX ( XXXX XXXX XXXX ), Account # XXXX, Amount {$2000.00} has violated my rights. 

According to the 15 US 1681 Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. My name is XXXX XXXX. I am really getting tired of having erroneous information on my credit. The way the credit bureaus disrespect me, the way they disrespect my privacy, is outrageous! I will definitely take further action if this account is not removed!
Consumer complaint received 2015-04-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: TMX Finance LLC (TX)

Debt collector coming to my house over stepping thier boundaries, excessive calls and voicemails from XXXX to around XXXX or XXXX. all the options to satfiy the loan was told to creditor and still calling and showing up at my place of resident to collect debt. Unfair business practices involving the Truth and Lending Act. Also steady changing the terms condition of the loan itself.
Consumer complaint received 2016-09-21
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TMX Finance LLC (FL)

I Went To Pay On My Loan That I Borrowed From instaloan On XXXX/XXXX/2016 For My Car, When I Got Done Making A Payment On My Car The Vocher They Gave Me Said My Next Payment Would Be {$71.00} And The Balance Would Be {$870.00} But When I Went To Make That Payment On XXXX/XXXX/2016 They Said That Was Wrong And That My Balance Is {$960.00} And My Payment Is {$170.00} So I Think The Are Using Me To Get More Money Out Of Me, And I 'm Sure I 'm Not The Only XXXX They Doing This Too.
Consumer complaint received 2017-03-12
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP (CA)

This is a response to my case # XXXX. I do get the decision on cashing a third party check. I was hoping the bank could make a more humanized choice but they have policies that I get. I do however have a huge problem in US Bankcorps response which was not accurate what so ever. They stated I attempted to deposit my check at XXXX branch ... NOT TRUE It was XXXX as in my claim. They stated after the check was returned I took it to XXXX branch and bank staff refued. That is a total LIE. that never happened I have never been to that branch. Lets get this right. I went to the XXXX branch to see if the check was real..like I stated in my complait. The teller took a copy and was to phone me back, which after three days of no response I then deposited it in my ATM. In banks response it says management informed me not to deposit.NOT TRUE. I was the one after the check was returned to call the supervisor who I had to call 3 times before my call was returned. She then told me about not being able to cash a third party check. I want acknowledgement from the bank it is their duty to get the story straight and not make I seem I deposited the check after being told not to. The part about me take the check to XXXX branch or any branch to cash is a lie. This response makes me sound like a person who is not reputable, so US BANK COPRS get your story straight before sending back totally inaccurate stories.
Consumer complaint received 2015-07-09
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Genesis Lending (FL)

On XXXX/XXXX/15, I received a bill from Genesis Lending stating that I still owed {$0.00} when I thought I had already paid my loan off completely.As a result, I check my account online under the history and realized that I was chareged ( XXXX ) {$25.00} fees for a total of {$200.00} that I was not aware of. On XXXX/XXXX/15 at about XXXX Eastern time, I called Genesis Lending at XXXX and talked to XXXX XXXX I informed XXXX that I just received a bill from Genesis Lending for $ XXXX.She advised that my account is completely paid off and she will waive the $ 0.01.Informed her when I checked my account online, it showed that I was charged ( XXXX ) {$25.00} fees for a total of {$200.00} that I waw not advised of.She indicated that they were late fees.Informed her that I was still in school at the time when the late fees were charged.She adivsed that I was still responsible for the interest 6 months after the loan origination and ususally it is a couple of dollars per month.Informed her that I was not adivsed of it and I did not receive any statements or bills.Asked her if the fees could be refunded.She adivsed as far as credit reporting goes, there was nothing she could do becasue they were already reported to the credit buerea.She then asked a supervisor to see if the {$200.00} fees could be refunded.She came back and advised her supervisor XXXX said no.Asked to speak to XXXX.Informed Operations Manager XXXX that I was not adivsed that I had to pay for the loans and I did not recieve any statements or bills.Asked him if the statements were sent to XXXX XXXX.He indicated yes, and advised that XXXX University should have informed me.Informed him that I was also not advised that I was charged ( XXXX ) {$25.00} fees for a total of {$200.00} and I never recieved any paperworks showing such.Asked him to refund the {$200.00} fee.He advised that my account is now completely paid off and by refunding the {$200.00} fee, it would put my account into negative and they would have to credit me the {$200.00} which they could not do since they are only the loan servicer. ( XXXX ) of the {$25.00} were refunded. There were un-authorized charges on my account and Genesis Lending failed to provide statements showing charges, interests, payments and credits as per requested in my previous XXXX responses. Please be sure to provide statements showing such since the loan origination date. Alternatively, please be sure to send a refund check for the remaining balance of {$120.00} plus any interests to my address on file. ALSO, I keep on getting emails and mail indicating that I need to pay my student loan. Please be advised, my loan is completely paid off. Please update your file to reflect this so I do not get further emails or mails.
Consumer complaint received 2015-04-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Genesis Lending (IL)

I 'm a former student of XXXX University. I was forced to take out their privatestudent loans referred to as a " XXXX '' loan '' in order to continue my studies. Iwas not aware that I was out of Federal funding. I took out XXXX loan in theamount of XXXX. A few months later I was told I had to take out anotherloan in the amount of XXXX in order to graduate. So in all, a total of XXXXin XXXX separate loans with an interest rate of 6 % on each loan. I 'm currentlyunemployed, and will only pay XXXX a month on XXXX loan. I was also under theimpression that XXXX students were being awarded relief of 40 % on thesefraudulent loans. As of this day, I have not received any decrease in theamount I owe, and I was wanting an explanation as to why. In my opinion, allof these loans need to be forgiven. This school maxed out your Federal fundswithout your knowledge, and then forced you into their XXXX loans to eitherfinish your studies, or graduate. This school is corrupt, they are thieves, andwhat they have done to so many students like myself, is despicable. My nameis XXXX XXXX, I am a part of the original " XXXX XXXX ''. I made a trip toXXXX on XXXX XXXX, and met with the DOE, CFPB, and Dept of Treasury. Ipersonally asked the representative from CFPB why I had n't gotten any reliefon my XXXX loans, and he said it was being sent out in waves. I check myaccount daily and nothing. I also have not received a letter informing me of thestatus of my relief. 
XXXX XXXX
Consumer complaint received 2015-07-21
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (TX)

I have power of attorney and am a co-signer on my mother 's checking and savings account. My mother gets a monthly dividend check, I have always deposited these checks in person to my mother 's account, the check is made out to her. I never had a problem in XXXX, XXXX or XXXX XXXX until I moved to XXXX, XXXX. The Asst Mgr of the XXXX, XXXX, XXXX branch said that I could n't do this. When I told him I had been doing it for years, he adamantly said no, you ca n't do this. No adequate explanation was given. ( I believe his name is XXXX XXXX ) When I said I could go across the street and do this and made one more attempt by asking him to look up the history of deposits. My mother is in assisted living and ca n't easily go to the bank. He then said okay, I asked why he could grant it then, and why could n't he grant it before? Again, I am a co-signer and also have power of attorney on record with Chase. 

I had this savings account up for my mother for this very reason, now they 're telling me I ca n't deposit any moneys into my mother 's account, even though I have power of attorney and am a co-signor.
Consumer complaint received 2015-11-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: LPH, Inc. (MT)

I CONTACTED UTILITY COMPANIES AND SWITCHED INTO MY NAME. BOTH THE WATER AND POWER COMPANIES ADMITTED THEY ERRED AND DID NOT BILL ME CORRECTLY. I HAVE SINCE PAID IN FULL BOTH ACCOUNTS WHICH I TOLD AND SENT PROOF TO THE CREDITOR AND ORIGINATOR OF THE DEBT. BOTH HAVE IGNORED PROOF THAT ALL DEBT IS PAID. THE CREDITOR CONTINUES TO SEND NOTICE DEMANDING PAYMENT AND CONTINUES TO ADD LATE/FINANCE CHARGES.
Consumer complaint received 2016-07-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Vital Solutions, Inc. (HI)

VRS debited checking account without approval and failed to provide a refund of funds illegally debited from bank account. Account Number : XXXX Problem Date : XXXX XXXX 2016 VSR Reps : XXXX and XXXX XXXX Was told to FAX ( XXXX ) XXXX bank statement showing where money was withdrawn. Did so, phoned company to verify receipt. XXXX, told me her XXXX said, money was debited due to online payment. I told her, I never made an online payment for XX/XX/XXXX. She said, she would bring the attention to upper management for their resolution. I said, I was calling my bank to stop payment on the unauthorized payment, then filing a complaint with the XXXX and Federal Trade Commission due to Illegal collection practice
Consumer complaint received 2021-02-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NJ)

I am in possession of 4 TIGR Bonds, issued by XXXX XXXX XXXX XXXX ( below and attached ). I then outline my weekslong effort to receive an answer about how to redeem these bonds. 

This table did not paste in well, I apologize. 

CUSIP Number Maturity Date Face Amount XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX On XX/XX/XXXX, I reached out to XXXX XXXX XXXX Relations via telephone, as I was informed that they were the payee per DTC. 
On XX/XX/XXXX, after not hearing back, I emailed XXXX Bondholder Relations, and heard back on XX/XX/XXXX that although XXXX is listed as the payee, due to the maturity date, my bonds were to be serviced by Chase. 
XXXX informed me that I would be best served contacting Chase at the below address : J.P. Morgan Chase Attn : Research Department Corporate & Investment Bank XXXX XXXX XXXX - XXXX XXXX  XXXX, Texas XXXX On XX/XX/XXXX, I called Chase support to attempt to connect with someone at the above Research Dept, but was unable to be provided a phone number or email address to connect directly. 
On XX/XX/XXXX I mailed a letter to the above referenced Chase address ( certified mail tracking # XXXX, confirmed delivery on XX/XX/XXXX ) On XX/XX/XXXX, I reached out via Chases social media ( XXXX  ), attempting to again find a contact at the Research Dept. They were unable to provide any additional contact information, and attempted to again tell me that the US Treasury was the appropriate contact for these bonds ( confirmed via Treasury email on XX/XX/XXXX that they were not the correct party ). 
On XX/XX/XXXX, reached out to Chase bank executive office ( XXXX ) On XX/XX/XXXX, reached out to XXXX XXXX email address at Chase On XX/XX/XXXX I received a voicemail from Chase executive offices, which I returned a voicemail to. 
On XX/XX/XXXX I left another voicemail with Chase executive offices. 
On XX/XX/XXXX I heard back from Chase Executive offices that I should refer to the US Treasury for information on these bonds ( see # 5 where Treasury said it is not their responsibility ). 

In short, from what I have learned, Chase bank should be the payer of these bonds, and they are claiming to have no record and not be responsible. I regularly check my states missing property database, and had not come across anything from an escheatment perspective.
Consumer complaint received 2017-03-21
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (NJ)

Navient has not responded to a request for forbearance that they said I was eligible for. I told them I have no phone access during the week or until after XXXX p.m. on Fridays, due to XXXX rules. I sent in the required paperwork. I 'm sending it again, along with the required {$150.00} " good faith '' payment.
Consumer complaint received 2016-05-04
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Nelnet, Inc. (MN)

Firstmark Services manages several groups of student loans. They do not provide a history of monthly principle balances, nor will they upon request. They will also not mail this information to me. I believe they are mismanaging the principle amount and accruing interest on my loans. They also have made it exceedingly difficult to pay in excess of the minimum payments as I see fit. That is, they deliberately split large payments to spread across my multiple loans, so as to have the smallest impact on principal balance, despite multiple requests to the contrary. I have written, emailed, and spoken to representatives several times in an attempt to resolve these issues and obtain the requested information, and each time am provided with no updates, nor are the changes I request implemented. I believe they are managing loans in a bad faith fashion, and deliberately hindering the repayment process. Further, their website was recently updated and has been riddled with issues impacting the ability of fiscally responsible loan recipients to manage their debt. For instance, statements are not generated unless there is a balance due. However, I pay the loans and a frequency exceeding the time for which a balance would be generated. I therefore am unable to see the principle balance as affected following each payment. As an actuary, I find that the calculations for balances as calculated by myself, do not coincide with the balances generated by Firstmark Services.
Consumer complaint received 2017-02-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (MA)

Back in XX/XX/XXXX I had XXXX XXXX dollars in Debt for students loans. I 've been making small payments to them each month since then up to XX/XX/XXXX. Now my balance shows XXXX XXXX dollars. Its extreme painful to keep seeing this loan going up instead of down.
Consumer complaint received 2017-05-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TCF NATIONAL BANK (CA)

I got fraud by a group of  XXXX   XXXX  with  XXXX , an account holder of TCF National Bank with Account Number  XXXX ,  XXXX   XXXX  in Texas,  XXXX   XXXX  and  XXXX   XXXX   XXXX  to wire money out on a mistery shopper job.     I received a package from  XXXX   XXXX   XXXX  with the instruction and a check {$1900.00} issued by TCF National bank  XXXX  Account  Number  XXXX .     The instruction said to make deposit to my bank and the money send out by  XXXX .     I also received a lot of Email and text as name on  XXXX   XXXX  and asked me to do it.     I wired out {$820.00} to  XXXX   XXXX  in Texas on  XXXX / XXXX /   17  and {$810.00} to  XXXX   XXXX  in Texas on  XXXX / XXXX / 17 .     After I wired them out, the check deposit was returned and no able to use the check.     I currently lost money {$1600.00}, wire fees {$23.00} and bank returned fee {$25.00} ; totally {$1600.00}.     I have already called and send  Email, but I w o n't be able to contact them.     Please find them and get money {$1600.00} back from them.     I attach all copy 's of the proofs.
Consumer complaint received 2016-05-20
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Skrill USA, Inc. (MA)

After successfully verifying my account that I had recently opened with Skrill, I was able to transfer money ( about {$500.00} ) in to the account ( from my regular bank account ), but all of the payments I attempted to make were denied by Skrill. I called numerous times while trying to make one payment because the transaction was being declined- twice I was told everything was all set and to try again after a few minutes and after the third phone call, I was told I 'd have to wait 24 hours to try again because I had made too many attempts. The next day, Skrill closed my account without explanation, even after I asked, and they have yet to refund my account balance ... .it 's been over a month. When I called, the person I spoke with told me that she needed to look in to my account and would email me with information about my account balance. She emailed, said it was sent back to my bank account, but did n't give the date as I requested. I responded and asked for the date the money was sent back and received no response back. I have emailed multiple times without response.
Consumer complaint received 2016-01-09
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMCOL Systems, Inc. (OK)

I have never been contacted about this bill from creditor, Rickman And Rickman, so I need see the this bill or at least get some correspondence from them on this before it is added as a unpaid collection on my credit report, any help would be greatly appreciated, if I actually owe this debt, I will pay as soon as I get a address to pay it, as I have stated I have no knowledge of this bill at all, as Rickman And Rickman have never contacted me at all, can they at least make a attempt to contact me before putting it into collections??? If I owe it I will pay it ASAP, but what I do not understand is there has not even been 1 attempt to contact me before putting on my credit report, please send me all the information, account number, and who and where to send the payment if owed by me. 

Thank You XXXX XXXX
Consumer complaint received 2016-09-15
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: KEYCORP (MI)

We purchased a boat 10 years ago and had Key Bank as our lender. Over the past 120 payments, we have been paying late fees in amounts of XXXX. I had contacted them to get our payment date adjusted to avoid the late charges. They assured me they would do this. We recently fulfilled our obligation with Key Bank and based on our timely montly payments, we feel we should be reimbursed the late charges. We always paid our montly payment at the same time, we never missed any payments.