davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (NY)

I am the XXXX XXXX at a XXXX XXXX XXXX XXXX XXXXXXXX XXXX, New York. The organization has had a business bank account with Chase for over 15 years. During the last few months, we attempted to add XXXX signatories to the account. Because of multiple errors, incorrect information provided, and general incompetence by Chase representatives XXXX XXXX and XXXX XXXX at the XXXX XXXX XXXX location in XXXX, this did not get accomplished after XXXX in-person visits to ChasXXXX XXXX XXXX XXXX ignored all of my attempts to contact him regarding this matter. On XXXX, because of its own errors, Chase told us that it would close the account if we did not appear in person at the branch that day. We decided that we wanted to close the account and told that to XXXX XXXX. XXXX XXXX told me that the account was closed at that time but that we had to make another in-person trip to pick up the check for the balance. We agreed that we would do so on Saturday XXXX. When we got there on XXXX, we were told that more mistakes had been made by Chase and that the account would not be closed until Monday XXXX. XXXX XXXX agreed to close the account on Monday XXXX and to mail us a check with the balance. The account has not been closed and XXXX XXXX and XXXX XXXX have continued to ignore my calls and email. 

Chase also incorrectly put a hold on an escrow account belonging to our lawyers.
Consumer complaint received 2019-12-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (CA)

I would like to ask about my payment from city bank to my XXXX XXXX More than 7 time I make payments from city bank to my XXXX XXXX and the payment is not go through even I have some thousands in my city bank and when I call city bank and contact with XXXX XXXX city bank sad yes he do have enough funds and I ask how much money I have most of the time some thousand and my payment is some hundred My XXXX XXXX refuse to increase my limit becouse its show in XXXX XXXX side I dont have enough funds ( I dont haven enough money ) 1- why 2- how city bank can fixes this mistake When I call city bank they sad we sorry 3- all the call it was 3 in one city bank and XXXX XXXX and me in one call 4- city bank they chose slots of mistake 5-city bank cant clearer my name with XXXX XXXX 6- XXXX XXXX that not approved me and I will never have a good relationship with XXXX XXXX 7- you can go back to your recording line and listen to conversations 3 in one me and city bank and XXXX XXXX
Consumer complaint received 2019-12-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

1- Ticket Been send XXXX XXXX XXXX City bank Case number for Dispute city bank XXXX $ XXXX. 

I call city bank at XXXX XX/XX/2019 At time XXXX XXXX  total time for the call 20 minutes call from my cell XXXX to Dispute XXXX $ from company XXXX it was after les than 2 hours from the time I paid for my ticket the city bank customer Dispute they ask me if we can make call 3 in one call with XXXX to found solution and city bank side they recommend to XXXX the call is recording. After that city bank side she sad she have to hang up the call and if I dont found solution I have to call city bank in the phone number at the back of my card to file Dispute I call back city bank Dispute service to file dispute I have to start over for that I call one more time XXXX XX/XX/2019 time XXXX XXXX  total a mount of call 26 minutes from my cell XXXX and I file Dispute ( I have to start over ) she sad just call us back to full with your Dispute In the XXXX XX/XX/2019 to full with my complain icall to ask what happened with my Dispute the answer was sorry sir you dont have any Dispute for XXXX $ I have to start over at XXXX XX/XX/2019 at XXXX XXXX  for total 34 minutes from my cell XXXX to fill Dispute My question 1- I could dont that from XXXX that give me 24 h to cancel my transaction with some fee and the money with be in my city bank account the next business day 2- why city bank stop the call with XXXX And they left me alone in phone the Dispute is not complete 3- when I call the same day to fill Dispute they told me every think is complete 4- I call in XXXX XXXX I dont found Dispute 5- I have to fill anew Dispute at XXXX XXXX 6- I could finished every thing from XXXX befor 24 h from the time I bay my ticket and the money will be in my acount in 24 h 7- how longe I have to wait 8- what documents you need from me
Consumer complaint received 2021-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP (SD)

On XX/XX/2021, I saw an ad for a US Bank credit card advertising 0 % interest on balance transfers for 20 months. It said it was only for people with credit of 680 or above. I know mine is well over that and I could really use to transfer a {$9000.00} balance card that I have to a low or no interest card to help get it paid down, so I went through the online process and they came back with {$600.00} as my credit limit, after specifically asking me how much I would plan to transfer if approved. Why would anyone bother taking out a credit card for {$600.00}?? They knew my requested balance transfer amount beforehand and " approved '' me for the {$600.00} within seconds. So I immediately called the company to see what kind of mistake was made because I've never been turned down for a card or a loan, I've always had great credit, and I've never been given some joke of an offer like this one. They had no explanation so I told them DO NOT PROCESS this application and DO NOT OPEN AN ACCOUNT in my name. They did anyway. I got the cards in the mail a few days later. I have closed the account but I want this removed from my credit report because of the misleading ad getting me to apply for something that NO ONE in their right mind would apply for had the terms been clear. It was clearly leading consumers to believe they would be given a substantial ( usable ) credit limit as it was for " platinum '' members only.
Consumer complaint received 2021-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ID Analytics, Inc. (NY)

I notified XXXX that I am a victim of identity, and XXXX responded that they verified a fraudulent account, which I not sure how that's done. Please see attached FTC for fraudulent accounts that I had nothing to do with and does not belong to me
Consumer complaint received 2019-12-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (IN)

On XX/XX/10 my account was negative about {$8.00} due to pending transactions that already deducted from my available funds. I made a cash deposit and have the receipt showing my balance was in the positive at about XXXX. When I woke up this morning, I received 3 insufficient fund fees. Once researching I noticed that not only did my available balance change, but they allowed for a charge from 6 days prior go through. I DO NOT have overdraft protection because I will never allow the bank to overdraw and charge me fees. Instead they allowed a transaction to go through from XXXX ( {$47.00} ) instead of declining it. They also rearranged all pre deducted transactions to add in an older dated transaction that appeared after I took my account out of negative causing 3 insufficient fund fees. If I am not electing overdraft then no transaction should be causing the account to go negative. Rearranging transactions from largest amount to lowest is also against the law. It is not my fault the merchant or bank waited 6 days as shown in attached photo, to charge or post. Standard posting is 3 days somehow this took 6 days which is at fault of bank. This is not a recurring charge it was an online purchase made a week ago. Bank needs to be careful with deducting and posting while rearranging transactions. They deducted as they were purchased, but this morning they are all rearranged with transaction that appeared last night sometime posted before my pre deducted transactions from earlier in the day. As transactions are coming through it lowers the available balance whether posted or pending. That means at some point only so much is allowed to go through as long as there is a positive balance not negative and create bigger negative balance due to not following standard practice and laws.
Consumer complaint received 2021-02-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Skrill USA, Inc. (AZ)

I received an email regarding a verified account with Skrill which I did not, to my knowledge, create. Given the difficulty I've had in removing fraudulent accounts created with this email address on XXXX and XXXX this is both concerning and likely fraudulent. Against the possibility that I had created an account some years ago for some long-forgotten reason, I thoroughly searched my records and I can find no record of any other email from srkill in my archives. As far as I know the password of this account has not been compromised.
Consumer complaint received 2021-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (CA)

While checking my credit card statement on Chase 's website I saw an offer off to the side from chase stating that you can earn {$75.00} back when you make two transactions of at least {$37.00} with XXXX wireless using my credit card. 

I went to XXXX XXXX website via the website link on the offer " XXXX '' and made two qualifying purchases. 1 transaction for a XXXXXXXX XXXX XXXX  for {$39.00} before tax. 2nd transaction for an XXXX XXXX XXXX  and XXXX XXXX XXXX  XXXX XXXX {$38.00} before tax. 

The terms also stated that " It is possible that a merchant may split your purchase into multiple transactions. In this case you may only receive your statement credit on the first transaction amount. If this occurs, please call the number on the back of your card '' Sure enough XXXX split the 2nd transaction into two shipments. One shipment for the headphone adapter cable and at a later date another shipment for the air tag. Charging the credit card as items from the order shipped. 

I figured no big deal the terms said if this happens to call the number on the card to get it straightened out. So when a letter in the mail came that stated : " Since there was only one purchase from XXXX XXXX XXXX in the amount of {$43.00} on XX/XX/2021 if did not qualify for the offer '' So I called on XX/XX/2021 @ XXXX and an agent said they understand and will submit a request to review and should get a response from chase. 

I get a response in the mail XX/XX/2021 that again chase has denied the promotion because the terms were not met. 

I call and speak to 3 different managers. 1st says unfortunately there is nothing she can do because once marketing makes a decision it is final. 2nd Manager hangs up the call after answering. 3rd manager : Decision final, even if they are wrong, she is very sorry though I'm XXXX out of luck. No way to complain, no escalation.
Consumer complaint received 2022-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (TX)

I have been an American Express credit card member since XXXX. During XXXX, I received twice promotion offers on the Delta Skymiles credit card via email. On XX/XX/XXXX, I applied the Delta Skymiles credit card and the promotion offer promised ( document attached ) was : {$200.00} statement credit ( one Delta purchase within 3 months ) and XXXX bonus miles ( {$2000.00} purchase on the new card within 3 months ). 

My application on this Delta Skymiles credit card was successfully approved. I met the conditions to active the promotion offer : on XX/XX/XXXX, I made XXXX purchase, flight from XXXX to XXXX XXXX ; purchased over {$2000.00} within the 3 months. However, until now, I dont receive any promotion offer promised. I contacted the agents of American Express customer service twice. They told me that my promotion offer was declined due to multiple factors and a notification pop-up should have appeared during my application. I swear that I never saw any pop-up notification to decline the promotion offer, otherwise I would have not to actively made my purchases to meet the conditions within the first 3 months after opening this credit card. 

I also tried to follow up the specific reason that why the promotion offer was declined, but the agents of American Express can not provide. In addition, neither email nor account inbox message was sent to me to notify the promotion offer declined. I feel cheated that the American Express used my membership information to solicit and promote their product ( the Delta Skymiles credit card ), however not offer the terms as they promoted and promised.
Consumer complaint received 2022-11-11
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

I was recently transferred to LoanCare LLC for my mortgage Servicing. After setting up my account Online I submitted 1 singular payment to pay my XXXX mortgage. LoanCare decided to take an additional payment without my Authorization. This is now causing my financial issues with my other bills scheduled for the month
Consumer complaint received 2019-12-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch (IN)

XX/XX/2019 helvey collection agency reported to XXXX credit reporting that I owed XXXX XXXX {$250.00}. i have never lived at that address. XXXX has already determined that I never lived at that address and removed the collection from my credit report
Consumer complaint received 2022-11-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TransferWise Ltd (WY)

Hi, Hope your doing good I tried to register a business account with Wise as i have a registered company in United States along with verified XXXX. 
Wise for some unknown reason deactivated the account. When we tried to call them they said nothing about what causing the issue. I would need a business account with Wise to get paid from my clients. 
I also tried sending an appeal but couldn't do that because at that time Wise had already closed th account. 

I will definitely provide the necessary details in order to resolve this issue. Thanks
Consumer complaint received 2019-12-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (NV)

I have numerous problems with specific account. For a start, I don't have XXXX service. Never have. I've never had a tv network opened in my name period. In the event this happened, my identity definitely was stolen and I've informed the bureaus and police of that ( earlier this year ). I thought after going to the police that they handle it ( shows how much I know ) but that's not the case. 

I reached out to XXXX, asking for any and all information regarding this account. They don't even have a contract bearing my signature, accurate copy of my license, nothing. How can you say an account was opened by me with no security measures to ensure it WAS ME? 

Bogus. They've stopped responding after notifying them of the many violations. I then wrote the collection agency asking the same thing. No response. Over it at this point. This year has been a nightmare and I think it's unfair how some ( not all ) turn their heads when true victims of identity theft have to deal with this. I've been attempting to resolve this since XXXX with the creditors directly, with the bureaus since XXXX.
Consumer complaint received 2019-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (OH)

In XX/XX/XXXX, I received a bill statement for about $XXXX charged to my HHGREGG CARD that is finance through Synchrony Bank. I was alarmed and called the number in the bill statement to request information n about the charges because I have not done any purchases. The person I spoke with give me information she told me the charge was made for things for a baby’s room in the state of Georgia. I told her I did not recognized the charges nor that I live in Georgia so she suggested putting in a dispute. I also was afraid more charges could be made to my credit card so I requested to cancel it.  After I cancelled my CARD I was transfer to the fraud department to make a dispute report to start the investigation. Thereafter I waited for a response and I did not received feedback from them therefore, I assumed everything was resolved. In the begging of XX/XX/XXXX, I received a court order from a creditor that I need to pay $XXXX, which I am, assuming is the amount owed with any charges the account has accumulated. I immediately called the creditors (XXXX XXXX XXXX) to see how I could resolved the matter in the best way possible. They told me I need a Fraud or Identity Theft, a Police report and Fraud Affidavit. I did submitted the Identity Theft and Police report to XXXX XXXX XXXX. On XX/XX/XXXX I received a letter from XXXX XXXX XXXX saying that they could not accept the documents I submitted because I did not have the details such as Credit card Number, amount of purchase and what was purchased. Since this happened in the beginning of either XX/XX/XXXX or XX/XX/XXXX, I canceled and destroyed the credit do to the fact that it was not something I purched I did not keep bill statements or other documents to provided them with that information. I called XXXX  on XX/XX/XXXX to let them know I did not have any details of the information they requested that if they could please provided or let me know what I could do. They answered that they could not help me because they were not allowed to share that information with me. They told me to contact HHGREGG (Synchrony Bank) to request that information. I did called Synchrony bank on XX/XX/XXXX, to request the details of the purchases such as, credit card number and any information requested by XXXX XXXX XXXX. When I called Synchrony Bank, they told me they could not help me either. To make matters mores they did not even had a record of my dispute report, which I had put in place in XX/XX/XXXX. The only thing that I could do was to write to them to request that information. I did write to them at a PO BOX given to me however, I have not received a response. I do need this information to resolve this matter because I have court order on XX/XX/XXXX.
Consumer complaint received 2022-11-11
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: LEXISNEXIS (NY)

These Consumer Reporting Agencies have continued to abuse my right to privacy, as well as unauthorized use of my non public information having no direct consent from me, which constitutes Identity Theft. I have never given written authorization to share any of my personal information, including BANKRUPTCY to any third party entities. The reporting of this information has caused me to suffer severe defamation of character and discrimination as it has been creating unjust treatment, higher rates and fees upon the extension of credit. The information has also caused me great embarrassment as it is being reported without my consent and I was unaware of such reporting and now current and potential creditors have viewed me less favorably. I. have suffered from marital instability due to the financial stress and burden this adverse information conveys. UNITED STATES BANKRUPTCY COURT XXXX XXXX XXXX NEW YORK - They do not report to any consumer reporting agencies. Meaning that these low down dirty consumer reporting agencies ASSUMED they had the AUTHORITY to FISH the Pacer network for consumers BANKRUPTCY records then furnish and profit of the HARDSHIPS, PAIN and SUFFERING hard WORKING AMERICANS are going through. This is DISHONORABLE to say the least, and should be ELIMINATED.
Consumer complaint received 2023-01-16
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. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any itemslisted on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 XXXXXXXX Balance : {$4900.00} XXXX XXXX XXXX XXXX Balance : {$4700.00}, XXXX XXXX XXXXXXXX Balance : {$2900.00}, XXXX XXXX XXXXXXXX Balance : {$16000.00}, XXXXXXXX XXXX XXXXXXXX Balance : {$3100.00}, XXXXXXXX XXXX XXXXXXXX Balance : {$5000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$540.00}, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$290.00}, 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-11-11
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. (AL)

A fraudulent account was opened with XXXXXXXX XXXX XXXX 
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX  Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose