davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-05
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NY)

JPMCB CARD SERVICES is in violation of the several CARD Act policies, and I would like to have this alleged account reviewed, modified or removed from my personal private consumer report. 
The following CARD Act violations apply : No interest rate increases for the first year. 
Credit card issuers generally can not raise interest rates, or any fees, during the first year an account is open, except when a variable rate changes, a promotional rate ends or a required minimum payment is more than 60 days late. 

Limits on fees and penalties. 
Over-limit fees. Cardholders can not be charged over-limit fees unless they give express permission ( opt in ) to the card issuer to approve transactions that exceed their credit limits. If permission is not given, transactions that exceed the credit limit most likely will be turned down. Without opt in card companies cant charge over-limit fees. I never gave express permission or opted in with JPMCB Card Services, but I was charged excessive fees. 

Double cycle billing. 
Although this act is prohibited, JPMCB Card Services included the previous billing period when calculating the amount of interest charged in the current billing cycle. 

Billing Statements. 
Delivery of statements. Credit card companies must mail ( or deliver electronically ) credit card bills at least 21 days before payment is due. If there is a grace period, the grace period must extend for at least a 21-day period from when the statement is mailed.

Also, Minimum payment warning. If you carry a balance, card companies must print on your billing statement the time and total interest it would take to pay off your current card balance if you only make minimum monthly payments. The bill must also disclose the monthly payment required to pay off the card balance in three years ( 36 months ). This is called the minimum payment warning, and it is designed to show cardholders how they can get out of debt more quickly by paying more than the minimum. The disclosure also must include a toll free number for credit counseling and debt management services. I was never afforded these requirements.

Finally, 15 USC 1666b ( a ) - Timing of payments.

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (NY)

I am writing this letter to demand the immediate removal of accounts that have been unlawfully placed on my credit report as a means to extort me. These accounts are as follows : A pass due bill of {$870.00} that was placed by XXXX XXXX XXXX ; to this account I am enforcing all of the codes of the Fair Credit Reporting Act, but especially code 15 { 681 }. Due to the fact that XXXX XXXX XXXX is a Telecommunications corporation and not a bank or a lending institution that extended a loan or line of credit. Therefore they are barred by from putting a closed account on my reports. 

The second account is an American Express Business Credit card debt of {$1300.00} that was assigned to my limited liability Corporation. I am protected by various federal and state financial laws due to the fact that this debt is assigned to the L.L.C. that protects me from creditors coming after my personal assets ; the debt belongs to the L.L.C. as an entity not myself. The F.C.R.A. declares that my credit score is a personal asset. 

Please contact the credit reporting agencies and as a federal bureau enforce them to remove these accounts. 

Best Regards XXXX XXXX
Consumer complaint received 2024-03-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (TX)

I had a Fraud with a company call XXXX! they offered to me an invest is gold through a professional broker of name XXXX, and trade every 3 days or less. they told me that I won money, but when I try to transfer my money to my bank account, they request the taxes and told me that if I don't pay in 3 days, my money will transfer to a donations! the short history is that I lost my money and the site don't exist anymore! I going to explain better in a file!
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Marlette Funding, LLC (NC)

This creditor engaged in XXXX, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-03-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (NC)

Thursday, XX/XX/24 I received a phone call from XXXX that listed as " Account services. '' They claimed to be Wells Fargo and that a previously closed credit card had been hacked and someone was trying to make unauthorized purchases on my behalf. They had my previous addresses on file. They gave me a specific claim number and account transactions. I explained that that account had been closed and we had new credit card numbers. They asked for the card number to verify it to 'cancel ' the credit card. Unfortunately, I did give them the credit card number, expiration date, and cc code ( cards have since been canceled with the bank ). He then asked me for the last XXXX of my social which I did not give. He said to cancel the cards he would need to confirm the via a text on the phone, which number was actually my husband 's. My husband did not receive a text. The man then called my husband and the number appeared as " Wells Fargo '' on his caller ID. The man kept pressuring me to give information and I finally hung up. He then called me back on the following numbers : XXXX XXXX He called my husband on the following numbers : XXXX XXXX XXXX
Consumer complaint received 2021-11-01
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: AFNI INC. (GA)

Dear Credit Reporting Agency : I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way : RE : IDENTITY THEFT, FRAUDULENT ACCOUNTS & INQUIRES!
Consumer complaint received 2016-03-12
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (AR)

I 'm not able to pay on my loans because I have a XXXX issues to where I can hardly work a full XXXX well job. I need help with this I would like to repay even if it 's a small amount or something out my taxes every year like XXXX % of my loan until paid off. Can someone help with this
Consumer complaint received 2024-03-04
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CA)

Someone bought a phone in my name and I knew nothing about it. Jefferson Capital is attempting to collect a debt that I do not owe. Also in the process of filing this collection Jefferson Capital has ruined my credit score and made it impossible for me to qualify for any new accounts or trade lines.
Consumer complaint received 2024-03-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC. (MA)

hello i was in accident and the bank they new i was on XXXX had low income and barly can make the payment they plotted with the insurance comapny and refused to help with car and i am still struggling to pay this loan i have no money i am XXXX and very poor they are forceing me not to pay so they can repose the car and take the vechile they refusing to help me ower the payment i am going into debt into a hardship and basically runing me dry of money they let the insurance cancel my policy with out care they basicly pointed the finger on me they left it off for 8 month the car insurance and poltted with them to leave insuras off for 8 month not telling me they cancelled the insuras not notfiyed me about them removeing it they are still haveing me pay for car loan XXXX the car was over priced XXXX for 95 % more then the car is frist off that price gruge this was not my fualt XXXX XXXX this guy was driveing on the other side of the road and i was XXXX XXXX  me had camera and is being handle buy a lawyer they are abuseing this contarct and me the consomer the contract they have they are abuseing it have done nothing to help me EXCEPT try and repose REPOSSESION my car they are abusing me and being loan comapny they sold a car that is actully unsafe to drive that make me qestions them more and had the car company send letter ABOUT RECALL TO THAT VECHILE makeing a statement THIS VECHILE IS RECALLED AND MAJOR SAFTY ISSUE HOW AM I BEING STUCK WITH THIS IDK THEY REFUSED TO SPEAK TO MY LAWYER AND REFUSED TO LOWER THE PAYEMNTS THEY REFUSED TO DO ANYTHING THEY WANTED TO SCREW ME THEY DID WHAT NEXT NOW IM OUT XXXX MONTHLY THNAKS AWFUL BANK AND THEY KEEP GIVING ME FALSE INFORMATION AND REPORTING FALSEINFORAMTION TO CREDIT COMPANY WERNT THEY JUST SUED FOR THIS?? PLEASE HELP ME THIS PEOPLE ARE SCAMING ME IT NOT GOOD
Consumer complaint received 2024-03-04
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY (MD)

On Sunday XX/XX/XXXX I received an email from XXXX XXXX that i have a hard inquiry and I tried to reach XXXX XXXX i was told to call during business hours. At XXXX on Sunday I received another email application from American Express that I submitted an application for a credit card I never applied to. I called XXXX XXXX today Monday XX/XX/XXXX and I was directed to call XXXX when I called them. I was told to file a complaint here.
Consumer complaint received 2024-03-04
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (TX)

Citibank 's deceitful marketing and advertising of precautionary measures against early fraud is flawed, does not work when needed, and Citibank doesn't take ownership of this faulty system in place despite customer 's paying annual fees for a credit card that legally should have consumer 's protection as its utmost importance. 

In XXXX years of being a CitiXXXX XXXXlient and cardholder, a charge for over {$900.00} at one establishment should have triggered a fraud warning- and it did not - creating a nightmare and tense relationship with Citi for over 8 months of disputing this matter. 

Suddenly, Citi responds stating that " although we do have systems in place to assist in the detection and prevention of fraud, we are not able to prevent it in all instances. '' Yet they continue to advertise/market this early fraud detection in all their promotional collateral, websites, and other forms of advertising, with absolutely no caveat that states it does not prevent it in all instances. This is wrong- and the latest NY State lawsuit against Citibank is clear indication that they have not been doing enough to protect their loyal customers. You sign up for a credit card with safety in mind, and yet they admit to their faulty system AFTER a customer has been impacted, leaving you to foot the bill for unauthorized charges. 

This feels like discrimination to me. Would this dispute be resolved differently if I had a more executive/elite credit card, paying higher annual fees, and of a different economic status and race? Do those individuals get more dedicated and preferential service, and why is that the case? Why is it that their XXXXxecutive Response Unit is not responsive at all, does not communicate with their customers on the phone, and refuses to acknowledge any correspondence provided to support your case? Another example of terms/obligations to the customer not being met. 

Why is it that Citibank is very inconsistent with their decisions on the different case studies found on the Consumer Financial Protection Bureau - many examples of monetary relief given to a customer that was a victim of card-present fraud, online scams, etc. It seems they pick and choose who they want to help, and this also feels discriminatory. I have plenty of examples I can share with Citibank about this, but they choose to ignore my correspondence.
Consumer complaint received 2021-11-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Business Bureau (IN)

I would like to formally submit a complaint regarding the collection agency Medical Business Bureau. The company has reported three collections on my credit report without sending me any notification prior to doing so. As a consumer I have a right to receive notification from the collection agency and validation of a debt which the Medical Business Bureau did not allow me to do. I have reached out to this company about not receiving any type of correspondence prior to them reporting but have not received any feedback about my question. In return they send a bill. This company has violated my right as a consumer.
Consumer complaint received 2016-08-13
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

I was told I would have a permeant credit of XXXX USD. Not the full amount of XXXX USD XXXX XXXX transaction. The issue is you guys are request more from me. I read the email you sent to my account online. I also called your customer service today. No one had a clue what was going on. I would like to know if my permeant credit is what it states. I received a letter via email stating I had a permeant credit. I am confused and would like someone to call me please.
Consumer complaint received 2021-11-01
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

A used car that was being financed by Capital one with perfect payment history was totaled out. My Gap insurnace provider XXXX XXXX did not pay the remainder of the car loan due to COVID 19. Capital one charged my account balanced off. The balance was paid in full by me. This is reporting as a charge off. This is incorrect. Due to COVID the due process for the loan repayment process was not followe correctly.
Consumer complaint received 2017-12-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (FL)

I opened an account with coinbase and easily set up my debit card to deposit funds but when I went to withdraw funds I was instructed to link my bank account for withdrawal.s. I did as insructed and waited for verification deposits. Received them 5 days later yet the account is still not verified and funds can not be withdrawn.
Consumer complaint received 2017-02-07
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (MI)

I have revoked authorization for calls multiple times and attempted to set up payment plan with Navient that fits my budget. They have refused to work with me and I have just ended my approximately 10th phone call where I 've told them they are not allowed to contact me via phone and/or an autodialer and they still do n't seem to get it right. They need to stop contacting me via phone and only contact me via paper mail. I have received no less than XXXX5 calls daily from Navient about a past due balance that I have tried repeatedly to rectify by alternative payment options and they refuse.
Consumer complaint received 2017-02-07
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am XXXX, a fraudulent charge for over {$2700.00} was made to my account and not made by me. I disputed this with Capital One 360 and I received a notice they were deducting the funds from my account on XX/XX/2017. They took the funds on XX/XX/2017 even though I have submitted an affidavit that the funds were not authprized
Consumer complaint received 2024-03-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (KS)

On Friday, XX/XX/XXXX at XXXX I deposited {$500.00} cash on a US Bank atm at my branch on XXXX XXXX, XXXX XXXX  XXXX KS XXXX The money was deposited fine, I even paid some bills with it. A few minutes later my account was negative and online banking said atm deposit reversed! I immediately talked to the branch manager, he told me to call US BANK line, talked to someone who told me to wait until end of the day, I asked for a supervisor that told me to start a REG claim and to talk to my branch manager again. I did all that and was told to wait until Monday so I can hear from a higher up and hopefully get my account funded! That did not happen!! She wrote an email saying I need to be patient and wait for the process. I asked to speak with the District manager and was told he doesnt see clients. I even reached out to US bank social media department as I am desperate and need this money to pay rent as I also had another check deposit made the same day to pay all my bills and this created a big financial mess for me!!! I now have a late fee for my rent and had to borrow money from a lender with huge interest and I keep being told to be patient I JUST WANT MY MONEY AND ALL FEES THAT THEY CAUSED ME TO HAVE.
Consumer complaint received 2024-03-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (UT)

So I called chase and talked to a manager about getting the balance transfer interest waived and we worked out a number to pay off and she said she was going to put in a request to that waived and I paid the total amount she told me. So not only did they not waive that interest after I paid the whole thing in full they charged me another XXXX in interest after that. I will pay the other but since I paid in full I want this other XXXX waived it is not suppose to be there. This rude lady I have dealt with in the past named XXXX who was rude again buy the way left a voice mail basically saying she was not going to help me. I asked to speak to her manager and its been 4 days and no manager has called me back at all and they claim they call back within 48 hours its been 4 days and no one has called me. I will rest until this XXXX is waived from this new bill. So there corperate office have a bunch of rude people and lie to me all the time about getting call backs. I want this intersest waived ASAP!!!!
Consumer complaint received 2024-03-04
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: PENNYMAC LOAN SERVICES, LLC. (SC)

Below are previous emails that, I have sent to Pennymac about my promissory note and those concerns have been ignored completely. 

" HI, This is my second email and I'm still waiting an answer on my previous email and I will not stop until I get an answer in writing. Even if you sell this note I will still go and get my remedy for my security. Your statement " Said document will not fully satisfy your obligation under the terms of the Mortgage and Note for the loan, and is not an acceptable form of payment or an allowable transfer of property, as described under the Mortgage and the Note for the above referenced loan obligation. Your Statement " Pennymac remains the servicer and note holder for your mortgage. " PennyMac is not the note holder since that note is under my name and ALL CAPS name. I '' m not the borrower in with this note ( security ). I'm the creditor!!

Your statement " It's important to understand Pennymac performs its servicing activities '' Servicing don't give you rights to hold note!! The servicer 's role is to handle the administrative duties of managing the loan, including processing payments ( This debt has been paid already and sold on secondary markets and there is no need to collect payment ), handling escrow accounts, and customer service. You can't hold no notes by law!! That was your statement from previous email and the NOTE in which is my security it is a way of payment and you also claimed that " Said document will not fully satisfy your obligation under the terms of the Mortgage and Note for the loan, and is not an acceptable form of payment or an allowable transfer of property, as described under the mortgage and note for the above referenced loan obligation. '' I want you to confirm that PennyMac never endorsed my security AFTER I signed back in XX/XX/XXXX. I would like to see a copy of the endorsement without recourse that is stamped on my security, but I never received a copy. 

I want PennyMac to confirm they have not sold my security in secondary markets and why they are refusing to send me a copy of the ENDORSED promissory note for the account : # XXXX. 

I attached a copy of my promissory note endorsed to prove that I will be sending this to the indenture trustee and the trustee for discharge.

PennyMac has lie and lie over and over again and has not provided any answers and documentation to my requests. I also revoked PennyMac from handling all my securities, insurances and anything related to my name with PennyMac. See the attached file. I also sent a copy to the IRS following the IRS guidelines.
Consumer complaint received 2024-03-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NY)

My account was restricted by Coinbase in XX/XX/year>. I reached out to their customer services three times asking what I can do to help restore my account. Each time, they would ask me to provide some documents, which I promptly did. What followed next was always that they simply closed my ticket without any explanation. All I could do was to call in again only to be informed that the customer service representatives had no knowledge of what happened. 

I also submitted a complaint to Coinbase which was never answered.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PLANET HOME LENDING, LLC (AR)

While reviewing my credit report I noticed that I have several late payments on my old mortgage account that I do not recall ever being late on a payment. Please reflect on my credit that my payments were on time. This account has been closed since 2019.