davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-19
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: JPMORGAN CHASE & CO. (WA)

This is a new complaint in response to an old complaint : XXXX being closed in error before it was resolved. JP Morgan Chase Auto Finance lost the title to my vehicle in XXXX of XXXX, and failed to provide the title to me so I could register my vehicle in Washington state, then continued to lie about steps they were taking to resolve the problem even after paying it off. It has been 4 months since the original request for a copy of the title was submitted, and almost 3 months since the vehicle was paid off. Although the XXXX office, specifically XXXX XXXX, responded to the complaint, both JP Morgan Chase Auto Finance and CFPB closed the complaints before their titles office began the process of requesting a duplicate title from the California DMV, which they said they would do. They needed to complete a title perfection by providing the CA DMV form 227, and failed to do so after confirming with me that they would do so within 45 days after XX/XX/XXXX. The vehicle was paid off on XX/XX/XXXX and the payment processed on XX/XX/XXXX. I received a notarized release of lien letter from them ( from two different title offices in Ohio and Texas ) that were dated XX/XX/XXXX and XX/XX/XXXX. Someone from their titles office contacted me to request a current copy of my drivers license on XX/XX/XXXX, nearly 4 weeks after the confirmation that they would complete the paperwork for CA DMV, which I promptly provided. As of today, XX/XX/XXXX, the CA DMV has had zero contact with Chase Auto according to phone calls with 2 different customer service representatives checking their records. It appears the Chase titles office has no intention of providing the necessary paperwork ( Form 227 notarized ) to CA DMV that allows them to create a new title in my name to send me. As soon as a response was provided to CFPB from the Chase executive office and you closed this case, they stopped responding to my requests entirely. The CA DMV may or may not honor me filling out this form on behalf of Chase without the proper notorized signatures on the correct form so I am at the mercy of Chase to provide the paperwork. Chase must be held responsible for taking my money and holding my property XXXX.
Consumer complaint received 2017-07-25
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: EQUIFAX, INC. (CA)

Equifax is still reporting an account with XXXX XXXX XXXX that has been under investigation for over 30 days now with no response from the company. Based on consumer rules if there is no response from the company I am disputing this with, the item is supposed to automatically be removed. Also, this item has no debt requirement and has been paid with the company. Lastly, the company is reporting paid monthly but Equifax is reporting late.
Consumer complaint received 2018-12-03
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC. (NV)

I have a loan with EXETER FINANCE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both ( Bureau ) and ( Account Name ) with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late.
Consumer complaint received 2017-07-25
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. (TX)

This company has inaccurate information on my credit report and I want it off my report. I contacted XXXX, XXXX, and Equifax on several occasions more recently on XX/XX/XXXX and demanded that they remove the bankruptcy off my credit report because they violated the Federal Trade Commission and the Fair Credit Reporting Act when they claim they verified the information through the court system. I have a letter from the United State Bankruptcy Court that clearly states that they now nor ever validate or verify a bankruptcy. Because of that they clearly violate section 603 ( 0 ) ( 5 ) ( A ) ( I, III ) 611 ( a ) ( 7 ) of the Fair Credit Reporting Act, the court states confirmation of the corrections, truth, and/or authenticity of a testimony in a deposition. It also states that verification is a sworn testimony to have accurate information from the institution from which it came from and they have clearly violated these sections. Therefore I would like it deleted from my account immediately. I am strongly considering a small claims lawsuit if the credit bureaus do not take this off my credit report no later than XX/XX/XXXX.
Consumer complaint received 2017-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I have notified Equifax that they are reporting  XXXX  wrong addresses on my credit file. I have never lived at  XXXX   XXXX  and  XXXX   XXXX . Please remove these addresses from my credit file.
Consumer complaint received 2020-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

I have paid my credit card with Citibank religiously for years via their online autopay option. This month, on the XXXX my payment did not hit. I thought maybe there was a delay with all the coronavirus confusion. On the XXXX I went online to find it was indeed registered as late. I had to pay *double my min due* which I can not afford right now and was charged a late fee. 

I called them to figure it out what happened - " we sent an updated terms and conditions in the mail ''. 
1 ) I never got a piece of mail from Citi 2 ) I opted for paperless ages ago anyway so I should get terms and conditions alerts electronically 3 ) Moreover, they did not have my permission to stop auto payments or any type of confirmation control in place to verify receipt of said terms and conditions 4 ) No one EVER reads those ... and they know it. 

I had to pay double my minimum payment due, and a late fee after only 5 days ... during a pandemic, homeschooling kids, trying to get by on one salary no less. I spoke to 4 managers and spent 1.5 hours on the phone when I was suppose to be home-schooling my kids. 

It is ~despicable~ that they would cancel my autopay without some type of confirmation process, give my 5 days to figure it out and offer no forgiveness or understanding during such trying times for people. What a scam! How many people didn't see their legal jargon snail-mail, or saw it and didn't read it, or saw it read it and didn't see the fine print. That's got to be millions in late fees and double payments when people are hurting the most. 

It seems to me it is intentional - knowing people we not be able to make their payments they're trying to cover their losses with dishonest late fees. It is deceitful and sneaky.
Consumer complaint received 2020-04-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

I do Not Have OverDraft Protection and there are 3 Withdrawals Also received Letter that XXXX XXXX  {$23.00} IS PERMANENT ( Chase letter attached ) and there is a withdrawal when I DO NOT HAVE OVERDRAFT PROTECTION ( ATTACHED IS PROOF ) And I only at at XXXX twice but there are 7 charges for {$6.00} some more than once a day. {$6.00} X 5 is {$32.00}. 
{$23.00} XXXX XXXX  {$32.00} XXXX {$280.00} XXXX XXXX {$49.00} XXXX  {$12.00} Bank Fee Increased ALTHOUGH NO OVERDRAFT PROTECTION {$5.00} XXXX XXXX XX/XX/20 {$37.00} is Not mine-There is a Withdrawal slip Not in my writing. 
Total : {$400.00} Credit due Me.
Consumer complaint received 2017-07-25
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: WELLS FARGO & COMPANY (NC)

I am the durable power of attorney for my elderly mother. Legal doc has been on file with Wells Fargo for nearly a year and has been approved by their legal department. My mother had a large 6 month CD in an IRA paying very low interest. I emailed the contact person at my local branch to find current rates and alternatives. This individual has helped me straighten out a previous mess caused by Wells Fargo. I received an out of office reply with a referral to t he manager ( name and phone number were provided in the email ) for handling issues during contact person A 's absence. I have left three voice mails with this manager over a period of two w eeks and have had no response. The third voice mail was after calling the branch directly and stating lack of response. Still no reply from anyone at Wells Fargo after a total o f 4 messages regarding this matter. Now the CD has automatically renewed for another 6 months by default and I still have not been contacted. Extremely poor customer service and this for a Crown Banking Premier Account with " personal bank er ''. In addition, after finally going in person to another branch I was told they could not help because they did not have the  POA on file when it is clearly stated in the titles for all  XXXX  accounts. And that an original of the POA would have to be provided. Only later to be told " oops '' we found it. Just total incompetence by Wells Far go. I am currently dealing with  three other financ ial institutions and have had no problems with any of them. Only Wells Fargo ... ridiculous.
Consumer complaint received 2022-08-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: TRANSWORLD SYSTEMS INC (NY)

On XX/XX/XXXX, I requested contact information and an address for the persons/department at University Accounting Services ( UAS ) so they could receive my XXXX XXXX XXXX XXXX Payment Request ( Payment Request ). An XXXX XXXX XXXX can be used to pay off federal student loans and I have a XXXX Loan with UAS. UAS is not registered with the XXXX XXXX XXXX XXXX and UAS needs to fill out a voucher to receive payments from my XXXX award. During this call I asked for an email after the phone call to confirm they are looking into the problem. I received no email confirmation. 

On XX/XX/XXXX, I called again to find out that this request was never looked into. I restated my initial request above and asked for a call back from a supervisor, as well as an email, confirming they are looking into my problem. I received no call back and no email. 

On XX/XX/XXXX, I called to follow up. I was able to speak to a Team Lead, who provided me with the standard address, generic email address and the general phone line. She admitted she wasn't sure what department would handle this request. During this call, I also requested my late fee be removed since I have been troubleshooting this payment request since XX/XX/XXXX. The Team Lead stated they would submit a request to remove the late fee with a XXXX. 

Later on XX/XX/XXXX, I called XXXX and they suggested I get a direct contact and email address from UAS. This would ensure that my Payment Request could be delivered to the correct address and potentially have the voucher filled out quicker to avoid additional late fees and interest. Later that day I called UAS back, an agent answered and told me they could not provide any phone numbers or email addresses for other departments because UAS keeps that internal. I then requested to speak to the Team Lead and the Agent stated that this request would need to be sent to a supervisor, requests take 10-14 business days, and that I can't submit another request because the Team Lead submitted one for me already. 

Since XX/XX/XXXX, I have been the only party to initiate correspondence about my XXXX XXXX XXXX XXXX Payment Request. I feel that there is too much " red tape '' at UAS which is causing my problem to go unanswered and unresolved. UAS has not handled my request in a timely or effective manner, causing more interest and late fees to add up on my account. My next payment is due at the end of the month and I am not confident they are taking steps to help me pay off my loan.
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

I discovered that the same account on my credit report was misleading when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate the same account reporting as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2017-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (MT)

I have called Discover three times to get this straightened out. I called and agreed to pay {$26.00} and they would waive the late fee. I did it. via phone pay. They did not waive the late fee. I got another bill for {$26.00} late fee. I called. They said the would waive it. I got another bill with two late fees. They keep charging me a late fee. The account should have been zeroed.
Consumer complaint received 2017-07-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (OH)

This is stemming from the dispute/response I received from GRC in which I filed against General Revenue Corporation : General Revenue Corporation is a collection agency not a lawyer or attorney. GRC do not operate off of FCRA laws. Since they are debt collectors the company supposed to abide by the FDPCA laws. GRC did not send me an agreement with the original client that authorizes GRC to collect on this alleged debt nor did I sign any agreement stating that if any information were mine that the original creditor can share my personal information. All collection agencies need to be licensed in the state of Ohio with the attorney general of Ohio. I have did my research and GRC is not registered with Ohio attorney general. I have also sent a cease and desist to GRC. The only person I need to discuss this fraudulent matter with is XXXX XXXX. This is a inconvenience for me. I am in the process of purchasing another home and this fraudulent information is a great concern. I will be forced to sue for damages if GRC do not remove from the credit reporting agencies. Do not send me another response through CFPB stating I need to contact GRC. Remove immediately!
Consumer complaint received 2018-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank (SC)

I WAS IMPACTED BY HURRICAINE " MICHEAL '' HERE IN SC IT WAS DECLARED A " NATURAL DISASTER '', I HAVE BEEN CONTACTING XXXX XXXX XXXX SINCE THEN STILL TRYING TO BATTLE THEM CHARGING ME {$27.00} -LATE FEE TWICE AND {$38.00} PMNT XX/XX/XXXX & REP : XXXX XXXX STATED THAT SHE CAN ONLY REMOVE ( 1 ) OF THE 3 LATE FEES AND SHE COULD NOT DO ANYTHING ABOUT THE " NATURAL DISASTER '' FOR ME, SHE STATED THAT I WILL HAVE TO WRITE : XXXX   XXXX XXXX ( CORRESPONDENCE TEAM ). THE REP ALSO STATED THAT THERE WAS NO PHONE NUMBER TO CALL FOR THAT SPECIFIC DEPARTMENT. I HAVE DONE THIS WITH MY OTHER CREDITORS AND THEY PLACED THE NATURAL DISASTER CODE ON MY ACCOUNT AND STATED THAT MY PMNT WILL BE DUE XX/XX/XXXX. I AM HAVING A VERY HARD TIME WITH XXXX  XXXX.
Consumer complaint received 2017-10-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: SLM CORPORATION (PA)

I have a personal school loan in the amount of {$36000.00} with Sallie Mae. Sallie Mae has charged me late fees because i have been latte with payments because I am not able to make the current payments. Sallie Mae has never contacted me directly. They have only called my co-signer with an automatied system. Because of Sallie Mae negligence. Sallie Mae reported my loans to the credit reporting companies as defaulting. So now they have ruined my credit rating and my co-signers.
Consumer complaint received 2021-10-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITY NATIONAL BANK (CA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I'm not swayed that the company efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The company is reporting inaccurate information. Per FCRA, reporting must be 100 % accurate or the account must be deleted.
Consumer complaint received 2018-12-03
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Navient Solutions, LLC. (FL)

Navient is calling my phone 4 to 5 times a day asking have I found a job trying to advertise consolidation it's making me feel harassed especially because I am XXXX having XXXX XXXX and XXXX   XXXX, XXXX and XXXX these phones are XXXX me out I asked several times for them to put me on the do not call list but they still won't listen even though I change my number they get my new number and call me repeative I'm very XXXX  now I'm just thinking about canceling phone service all together
Consumer complaint received 2018-12-03
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: Navient Solutions, LLC. (TX)

XXXX  has been non-compliant with removing the unverified account NAVIENT XXXX which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that NAVIENT was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA (TX)

XXXX has been non-compliant with removing the unverified account XXXX  XXXX XXXX XXXX which has been deleted by XXXX  and XXXX. XXXX  and XXXX   have both completed their research and determined that XXXX   XXXX XXXX was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-12-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CA)

Equifax XXXX/ XXXX is not my account in your report you state verified but looking at there report there is a lot of false or incomplete reporting on this account you have violations on this account.PLEASE REMOVE THIS ACCOUNT IT IS NOT MINE enclosed is the documents that clearly show there is not my account.ya ya ya the regular o it takes 30 days to reply
Consumer complaint received 2018-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (NJ)

Citi AA CARD WAS CLOSED without my consent, after talking to citi rep they said i requested to close account but i did not & they claim to receive a third party letter on my behalf to close account & the account no. on that letter do not match with my credit card with citi & now to reopen citi wants to do a hard pull on my credit which is not acceptable as citi made error in closing my account.
Consumer complaint received 2018-12-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (MN)

I am writing to dispute a billing error in the amount of {$800.00} assessed on my previous loan # XXXX serviced by Citimortgage. My previous mortgage servicer CitiMortgage mistakenly foreclosed on my home in XX/XX/XXXX. Due to this mistake, the foreclosure was rescinded and Citimortgage waived all the Fees ( Letter attached. ) However shortly after, Citimortgage inaccurately charged an {$800.00} fee to my loan on XX/XX/XXXX ( Citimortgage Expense history attached ). This was inaccurately charged to my loan as citimortgage previously waived all the fees due to their error. I have previously asked citimortgage to remove this inaccurate charge, however they have not removed it and citimortgage has not provided me any evidence ( Break down of charges equal to {$800.00}, detailed description of services rendered for each fee, date of services rendered for each fee, amount of each fee and copies of original invoices for each fee which adds up to the {$800.00} ) confirming that this  charge was accurately assessed. Due to this inaccurate {$800.00} fee charged by Citimortgage which was in direct correlation with the mistaken foreclosure in XXXX which citimortgage has waived all fees, I am requesting citimortgage refund me the {$800.00} which they had charged my new servicer ( XXXX XXXX history attached ) when the loan service transferred to XXXX XXXX loan # XXXX. Please have Citimortgage refund the {$800.00} to me so that I can refund the {$800.00} to my new servicer to correct the inaccurate charge.
Consumer complaint received 2018-12-03
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: EQUIFAX, INC. (CA)

The company reported charge off on credit report. I was never late on the account I tried numerous times to pay account off with representatives on the phone but they kept refusing my payment on the phone kept getting runarounds.Did not know the account was on credit report.The company does not have working phone number district manager was was confused with the corporate office why they were refusing my payment.This needs to be removed from all 3 bureaus because account was never in collections I was actually paid a ahead.Ref
Consumer complaint received 2017-07-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (TX)

I made a wire transfer of {$150.00} to Coinbase, Inc on XXXX/XXXX/2017. However, until now, the fund is still not available. I tried to contact Coinbase Customer Support, but my ticket has not been replied.