davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO. (NY)

I lost my chase account after losing basically my personal life. i lost chase debit cards, my ID and a XXXX and XXXX that had many important information. I don't have accuses to my chase but my account was negative around XXXX i called reported everything and the next day my account went back to normal. another date my account is negative XXXX and something dollars and i call to see what happen and after hours upon hours of calling and trying to fix my issue they close my account with no reasoning. My name is XXXX XXXX i was a chase member since highschool and now i'm struggling more than ever without an bank in college. this happen around the beginning of XXXX and ended around XX/XX/XXXX XXXX
Consumer complaint received 2022-12-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRANSCARD, LLC (TX)

On approximately XX/XX/22 I entered my banking information on an online portal for reimbursement of XXXX XXXX XXXX XXXX XXXX XXXX  The reimbursement institution is XXXX. I made an error on the account number, transposing XXXX numbers. The transaction was authorized and apparently processed into the wrong account at my bank XXXX XXXX ( Texas ). At that time, I began petitioning XXXX to reverse the transaction and correct it, which they have agreed to do and have given me timelines for which I should see the money redeposited into the correct account. After over a month of pursuing this and not seeing the correction, I learned there was a third party, Transcard, in charge of the actual transaction of over {$3000.00}. I began the same process with Transcard, and again, was assured that the correction would occur and given timelines for checking to see if the correction was made. As of today, the correction has not been made, I have been unable to speak to supervisors at either institution and no longer have any trust that they are working on the issue. I did contact my bank and found that they could not provide me info due to protection laws for the other customer, but they did draft a letter, asking XXXX and Transcard to simply recall the funds so that the correction could be made. 
The failure to respond to my request or to simply answer questions so that I could know XXXX XXXX to take is blatant. There is a definite pattern of not responding, or providing inaccurate information that appears to show negligence in correcting the error. I have made numerous calls to both entities and although they promise to call me back, that has most often not been the case. I can supply emails, notes and XXXX bank 's documentation to show my efforts, along with a log of calls I have made. Please note that the documents I am attaching are not exhautive, but a few of the interactions. I have further documents if needed.
Consumer complaint received 2022-12-29
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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  has violated my rights. 

XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXXXXXX XXXX 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (NV)

Re : Wells Fargo Charged {$20.00} XXXX {$10.00} fees for no good reason. XXXX was reversed. I was told that I waited too long to correct the error for the other one. It was at the branch on XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The guy I spoke to first lied about the type of account I have. Then lied about the minimum amount of money needed to Not be charged a fee. I said he was XXXX. he told me to XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The following inquiries were also opened under my social security number fraudulently as well. 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-30
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 — Problem with personal statement of dispute
Company: DISCOVER BANK (TN)

Made multiple attempts to find a payment plan and reduce interest rates. Discover was no help in this effort. Could not meet minimum payments while my hours were cut and turned over to collections. I am looking to only improve my credit score. I do not wish to get another credit card or do not need any loans. I have children and the future is uncertain. Trying to build credit for any unforeseen instances in the future. Thank you
Consumer complaint received 2018-11-30
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO. (MI)

I spoke to Chase Auto Finance at the end of my lease. They told me to expect a letter from XXXX within 60 - 90 days regarding the final balance for my lease. I received a non-certified letter from Chase Auto Finance on XX/XX/XXXX ( nowhere was it marked from XXXX ) dated XX/XX/XXXX for the deficiency balance at the end of my lease. The letter says " Please pay this amount upon receipt of this letter. '' - without giving a valid due date. Based on this, my assumption was that the due date was from my receipt of the letter, XX/XX/XXXX. 

I wrote a check and sent it to the address it listed. The check was either lost in the mail or misplaced by Chase Auto Finance. Chase Auto Finance is unable to confirm or deny mishandling my check. 

Chase placed a 30 day late payment notice on my credit report on XX/XX/XXXX, 27 days after my receipt of their letter. I called on XX/XX/XXXX and spoke to a Supervisor, XXXX, employee ID XXXX, who said that " as much as I agree with you '' that he can not change what has been reported. I requested that they remove the 30 day late notice as I contend I am only 28 days late and they would not remove it. I made the payment in full of {$2700.00} with XXXX, employee ID XXXX. 

I contend that based on their wording, " Please pay this amount upon receipt of this letter '' means that the due date is my receipt of the letter. I made an attempt to pay promptly which was lost along the way, then paid the amount due 28 days after my receipt.
Consumer complaint received 2023-02-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC. (TX)

I entered into a contract with ALLY FINANCIAL XX/XX/XXXX. XX/XX/XXXX I requested original contract document copies from Ally via phone representative. I was told I would recieve documents within 10 days. I also went onlie to my account on their website and requested the same document. The website give you nothing evenn close to original contract documents as signed with dealer. As of XX/XX/XXXX, I still had not recieved any documents and for a third time requested a copy of original documents of contract complete with all charges and finince charges. As of todays date XXXX XXXX, XXXX Ally Financial has made no attempts to honor my request and is knowingly and willingly refusing to provide me with copies of original contract. They have been given the most up to date accurate information as far as address and phone number and are still trying to pull t tactics like purposefully leaving off the suite number for mailing purposes.
Consumer complaint received 2018-11-30
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

Quite some weeks ago I filed concurrent complaints with the CFPB, Equifax, XXXX, XXXX   and XXXX about the volume of unsolicited and patently illegal credit offers appearing in my mail boxes. 

In my complaints, I obviously requested to " opt-out '' of such offers, however I also made explicit inquiries with EACH of those listed about about how and to whom they made decisions about provided my personal information without my consent ( including lenders offering lines of credit at 350 % to over 500 % APRs ). 

Let me be clear about the concerns I expressed - Equifax, XXXX, XXXX and XXXX each sold or otherwise provided my personal details for lenders ostensibly operating from Tribal territories, who sent me reams of unsolicited credit offers that violated US consumer protection laws - and EACH of those listed failed to even acknowledge my inquiries, let alone respond. 

Similarly, CFPB failed to follow-up or provide substantive assistance as well. I can tell that CFPB did little more than forward my inquiry to these firms. 

All listed should know that I am compiling a comprehensive record of the offers received, but my complaints and concerns provided, and the response ( or lack of response ) from those listed, to provide as an investigative file to the XXXX XXXX. The XXXX 's investigative teams seem to see parallels between current lending trends and rates of fraud and other illegal behavior, and the 2008 financial system crash. I happen to agree.
Consumer complaint received 2022-08-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: JPMORGAN CHASE & CO. (CA)

https : XXXX This ad was advertising an apartment, I contacted them on XX/XX/22 to apply and they asked me to XXXX them a {$75.00} application fee which I did. When I was " approved '' as a tenant they asked for a {$1000.00} security deposit before I could see the unit and this was when I realized it was a scam. The XXXX account info is : Name : XXXX XXXX Email : XXXX They are pretending to be a man named XXXX XXXX and using the phone number XXXX and XXXX. They also sent me a picture of a fake ID with a man on it and the name edited on it on XX/XX/22
Consumer complaint received 2023-03-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

To Whom It May Concern : I am writing to lodge a formal complaint against Navient, my student loan provider, for their refusal to grant me the full 48 months of in-school deferment eligibility as outlined in the terms of my loan. Despite multiple attempts to resolve this issue, Navient has consistently attempted to gaslight me by suggesting that I have already utilized some months of eligibility with my prior loan servicer. I am absolutely certain that I have never used in-school deferment with my previous servicer, and Navient is well-aware of this fact. 

Navient has sent me documents from my previous servicer ( please see the attached files ) which they seem to have used to arbitrarily determine the number of months I have already spent in in-school deferment. However, nowhere in these documents is there any indication that in-school deferment was ever applied. In a poor attempt to resolve the issue, Navient has arbitrarily applied additional months of in-school deferment to my account, but this solution is neither satisfactory nor accurate. 

As it stands, one loan has in-school deferment expiring in XX/XX/XXXX, and another in XX/XX/XXXX. According to Navient 's own documents, in-school deferment was first applied in XX/XX/XXXX. With 48 months of eligibility, this would mean that my in-school deferment should not expire until XX/XX/XXXX. 

This issue has been inadequately resolved and poorly managed. Every attempt I have made to contact Navient has resulted in copied and pasted responses suggesting that the issue is being " researched. '' I am disappointed and frustrated with Navient 's lack of transparency and failure to fulfill the terms of my loan agreement. 

I kindly request the Consumer Financial Protection Bureau 's assistance in resolving this issue and ensuring that I receive the full 48 months of in-school deferment to which I am entitled. I have attached all relevant documents for your review and consideration. 

I appreciate your time and attention to this matter and look forward to a prompt and fair resolution.
Consumer complaint received 2018-11-30
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MI)

The servicer is Navient for my student personal loans. I have had these loans for many years, I graduated from college in XX/XX/2007. I have had a difficult time with repaying. I have been able to put my loans in forbearance and deferment. I did know that interest would keep accumulating ... but I had no choice at the time. They did not offer a lower payment or lower payment options ONLY forbearance and deferment. Only last year finally did they tell me about something similar to income based repayment and I was put on that program which really helped. I tried to apply again this year and they said I did not get approved. My financial situation has not changed at all. It is all exactly the same as last year. The amount of interest that has accued on these accounts is disgusting and is why my payments are so high. They will not do anything to help now in any way.
Consumer complaint received 2018-11-30
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 — Was not notified of investigation status or results
Company: LEXISNEXIS (TN)

Quite some weeks ago I filed concurrent complaints with the CFPB, XXXX, XXXX, XXXX   and LexisNexis about the volume of unsolicited and patently illegal credit offers appearing in my mail boxes. 

In my complaints, I obviously requested to " opt-out '' of such offers, however I also made explicit inquiries with EACH of those listed about about how and to whom they made decisions about provided my personal information without my consent ( including lenders offering lines of credit at 350 % to over 500 % APRs ). 

Let me be clear about the concerns I expressed - XXXX, XXXX, XXXX and LexisNexis each sold or otherwise provided my personal details for lenders ostensibly operating from Tribal territories, who sent me reams of unsolicited credit offers that violated US consumer protection laws - and EACH of those listed failed to even acknowledge my inquiries, let alone respond. 

Similarly, CFPB failed to follow-up or provide substantive assistance as well. I can tell that CFPB did little more than forward my inquiry to these firms. 

All listed should know that I am compiling a comprehensive record of the offers received, but my complaints and concerns provided, and the response ( or lack of response ) from those listed, to provide as an investigative file to the XXXX XXXX. The XXXX 's investigative teams seem to see parallels between current lending trends and rates of fraud and other illegal behavior, and the 2008 financial system crash. I happen to agree.
Consumer complaint received 2023-02-23
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Williams & Fudge, Inc (UT)

This certifies my written request to return this allege debt back to the original creditor due to the alleged debt being involved in fraud and identity theft of funds. XXXX XXXX XXXX has failed to honor legal notices of FTC identity theft affidavits sent to them. Including police reports. Stating the dates are not in the time it occurred. The XXXX  police department instructed me to gather all identity theft related into one case. Which took me over a year to gather all the information for the investigation and the police department then generated a police report. That is the reason the report is over a year later. XXXX XXXX community college financial department has not only violated the law but willingly keep seeking debt on a debt occurred by fraud and identity theft of funds. This alleged debt should have been resolved directly due to fraud and balances removed by law.
Consumer complaint received 2015-12-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: ASTORIA BANK (VA)

We have had our mortgage with Astoria Federal Mortgage Corp, recently changed to Astoria Bank, since XX/XX/XXXX. We have had an adjustable rate with this lending institution from day one and have been trying for 10 years to modify our loan to a fixed rate so it does n't continue to adjust yearly. In XX/XX/XXXX we tried for a modification, but we were denied because of lack of income and the collateral was not sufficient. But we continued to pay our mortgage for the last 10 years and have never missed a payment until XX/XX/XXXX. On XX/XX/XXXX our family encountered a true and devastating hardship. With a 2 day notice and no severance pay my husband lost his job of 15 years unexpectedly and through no fault of his own. We reached out to Astoria on XX/XX/XXXX and spoke with XXXX and she reassured us that this happens and our payments would more than likely be reduced our rolled into the end of our loan. We were hopeful. We immediately filed paperwork with the Loss Mitigation Department at Astoria. We contacted the Hope hotline and talked with a counselor, XXXX, who told us we were clearly eligible for certain programs put in place by the government to help families like our own. We also reached out to our local HUD agency and worked with a counselor, XXXX XXXX. Well after all that we received a phone call from XXXX XXXX from Astoria on XX/XX/XXXX ( but just received something in writing through an email today XXXX/XXXX/XXXX which put us past the 14 day appeal window ) that the committee would again deny us any modification because of lack of income ( no kidding ) and that they do not participate with HAMP. Lack of income is the reason we are in this situation in the first place. So at that point we were 2 months behind on our mortgage and incurred 2 late payments of {$160.00}. Our credit score dropped XXXX points in 3 weeks from excellent to fair. We are responsible people and have always paid our bills on time. We are still just trying to provide for our XXXX beautiful children on what little savings we have. We did come up with the past due mortgage amount and are now current on our loan. My husband is back working and we are trying to get back on our feet. We just want a modification so our rate does n't continue to change yearly. Sad when we have continued to pay our mortgage when they said we could n't, but with no help ever in the past 10 years, Astoria just continues to adjust our rate yearly. Predatory lending at its best ...
Consumer complaint received 2023-04-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (OH)

On XX/XX/XXXX, my debit card was charged {$100.00} by a scammer through XXXX. I filed a complaint with XXXX and they claimed it wasn't anything they could do and to Follow up with my bank. I filed a dispute with Chime Bank and they told me that they will open an investigation. NO ONE called me to ask what happened or even an email. However, today I was informed my case was closed because the investigation wad completed. How? How do you complete a case without ALL THE INFORMATION? I reported it MINUTES after it happened.
Consumer complaint received 2023-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (CA)

My Discover Credit Account was closed on Wednesday XX/XX/XXXXXXXX due to unable to verify personal information. Ive never had a problem with Discover and never was asked to verify anything. I received no heads up of any sort. No phone call, letter, email, nothing and my account was closed due to not being able to verify my personal information. Again I received no heads about anything involving my personal information. The company basically confirmed that my account closed and nothing can be done. Im extremely disappointed with the lack of communication. Also it reflects on my credit report in a negative way.