davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-01
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO. ()

<About What Chase did so far> When I was in US, I tried to send my money to XXXX. But banker did mistake. 
But banker told me that it was success so I closed the account. 
After going back XXXX, I asked banker whether it was ok or not then he told me that it was not ok. 
I asked them to send check to XXXX but they said they can not. Only choice is going to US to show ID. 

<NOW PROBLEM> I refused to go to US. Then they sent check where I lived. 
My ex roommate sent me the check and I went to the bank ( XXXX ) to convert it.

Banker at XXXX told me that it is not fake. 
3 days later, the banker gave a call that " Chase refused to pay money. They said stop payment. '' WHAT?????????????????????????????????????? // I can not believe what chase did so far.

I really can not believe.

I can not allow Chase any more. 

Please give my money back. 

Chase bank is fraud!!!!!!!!!!!!!!! 

I am ready to sue the bank.
Consumer complaint received 2022-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (VA)

From XX/XX/XXXX to XX/XX/XXXX there are several mortgage inquiries that I do not recognize. Whereas there should only be XXXX mortgage inquiry from XXXX XXXX. 

In XX/XX/XXXX I obtained a auto loan from Credit Acceptance Corp, I have seen several other auto loan inquiries being reported that are not recognized.
Consumer complaint received 2021-01-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ZIONS BANCORPORATION (UT)

I opened an auto loan in XXXX at Zions Bank when I bought my new car. I regularly paid more than what was due through my account at Zions while I was working there. About a year after I left my Zions employment, I went to the XXXX XXXX Branch of Zions Bank in XXXX, Utah on XX/XX/XXXX, to set up $ 500 monthly automatic payments to be paid from my Credit Union checking account, where all my banking accounts are located. This monthly amount exceeds the monthly amount due. A Consumer Loan Authorization for Automatic Transfer of Funds was completed, signed and submitted it that same day to have my monthly payments start on XX/XX/XXXX. Today, XX/XX/XXXX, the transfer of funds from my credit union to Zions Bank has still not occurred. So I went back to the same branch of Zions Bank today to find out why this has not happened. I spoke to the same Asst. Manager that helped me fill out my original authorization for automatic transfer of funds. She made a phone call to find out why the transfer has not yet been made. After a long period of investigation, the Asst. Manager came back and told me that she was being told that since my previous monthly payments were in amounts more than my minimum amount due, my next payment would not be due until the statement due date XXXX. I was further told that no automatic transfer would occur until then. The only way I could pay more than the statement amount would be to physically come into a branch and make a separate payment. But that would then impact any subsequent regularly scheduled automatic transfers from my credit union. I filled out and had to sign the authorization for transfer of funds thinking in good faith that my instructions on that form, through the assistance of the assistant manager, would be honored by Zions Bank. It seems to me that this practice of not honoring this customer 's commitment of paying a monthly amount more than what is due and on a sequence of dates of before it would be technically be required to be paid, causes financial harm in the form of accrued interest. This should be considered an unfair, deceptive, or abusive act or practice. I filled out my payment- specific wishes in good faith on the approved form with the assistance of the assistant manager. No one ever disclosed to me that my wishes would not conform to the capabilities of the bank to be able to honor it. This is causing additional accrued interest on my loan with Zions Bank.
Consumer complaint received 2020-05-28
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. (FL)

Equifax ; XXXX  and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2019-03-01
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN ADVISORS GROUP (VA)

This is a follow up to my complaint no XXXX. 

Please incorporate the facts from the previous complaint into this new complaint. 
The primary basis of this complaint is that American Advisors Group has provided the CFPB with false information in an attempt to undermine the CFPB complaint process. 
The XX/XX/2019 letter to CFPB is fundamentally false. The only true fact is that I participated in a conference call with AAG. During that conference call I asked for specific documents to verify the claims being made by AAG 's, XXXX XXXX, XXXX XXXX and XXXX XXXX. Despite several follow up emails I received no documents. 
The XX/XX/2019 letter falsely states the loan not approved. An email from AAG loan officer XXXX XXXX confirms the loan was approved and that is corroborated by a relephone message from AAG attorney XXXX XXXX. 

False statements to the CFPB show reckless disregard for the consumer and the system of public protection the CFPB has established.
Consumer complaint received 2020-12-01
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. (IL)

On XX/XX/2020 I sent a request to Equifax for report confirmation number XXXX. 
I requested an investigation of two collection accounts that appear to be fraud. 

1-XXXX XXXX # XXXX 2-XXXX  # XXXX. 

They did not reply within 30 days and I waited and extra days to see of they mail anything to me with results to my dispute. 

Since they have not sent me any results I went online and obtain my new credit report for the annuacreditreport.com website that they provide. 

I see both accounts are reported, they are not reported as disputed, which means they did not investigate within 30 days.
Consumer complaint received 2019-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NC)

On XX/XX/XXXX I sent my boyfriend ( XXXX XXXX ) {$170.00} via XXXX. That same week Wells Fargo had multiple system issues and it really didn't effect me. I had a deposit that took a while to show and that was it. Well on Sunday XX/XX/XXXX I woke up to my account being Negative because Wells Fargo system showed I did another transfer through XXXX  to my boyfriend for the same amount {$170.00}. I called him and told him NOT to touch the funds when he got them. He advised he never did. So the system duplicated my transaction. 

I called Wells Fargo and I put in a claim to get it resolved. claim # XXXX. By that Wednesday seems the system fixed itself and the funds were back correctly and had not been sent again. I assumed the claim rep would see that and close the claim. 

Well on XX/XX/XXXX I noticed they put a temporary amount of {$170.00} in my account to cover the issue. I called THAT day to advise the bank the issue had resolved itself and they could take the {$170.00} back from my account that they gave me. I ask that they please close the claim as it was no longer needed. 

Well by Wednesday XX/XX/XXXX my boyfriend wakes up to his account being Negative {$170.00}. Saying that I had a claim and the funds were being refunded to me. TO this day his account is still negative and I have yet to get the XXXX.. 

However, My issue is that I called the bank advised them they processed the claim incorrectly. That I NEVER asked for the funds to be returned. MY CLAIM was put in for the duplicate transaction that NEVER took place. XXXX XXXX is telling me it could be 90 days yet the XXXX says its been refunding me the money since last week. Wells Fargo wont fix their mistake and it has now caused my boyfriend NUMEROUS dollars in fees with his bank. I've done my due diligence and I just want the funds put back in his account and any fees he's incurred to be reimbursed. XXXX  only communicates via email and that is so horrible. Ill NEVER EVER use the service again but I need someone to please help me. My boyfriend had XXXX in XXXX and is not working. He cant afford these fees and If not resolved IM OUT OF {$170.00} due to a system issue. 
Had they refunded last Friday as the app said I would've just sent it back to him. PLEASE PLEASE HELP ME GET THIS RESOLVED!!!!!!!!!!
Consumer complaint received 2020-12-01
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: EQUIFAX, INC. (FL)

My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.
Consumer complaint received 2020-12-01
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Certegy Holdings, LLC (TX)

My local XXXX food store, XXXX XXXX XXXX, XXXX TX XXXX, declined my personal check for {$100.00} cash on XX/XX/2020. They gave me the info of their check service to find out why my check was declined. Certegy Check Services XXXX Inc, XXXX XXXX XXXX XXXX, XXXX, FL XXXX, XXXX XXXX XXXX, XXXX FL XXXX, XXXX XXXX XXXX, stated that my name, address , and XXXX  store location was the cause and that is their policy. This is highly discriminatory since they did not use my check cashing history or credit history to make a decision, only my name and address. I called to complain and talked with XXXX, XXXX XXXX XXXX, but she repeated that Certegy has the policy of evaluating checks based on name and address, not financial history. This is highly discriminatory. I demand that you stop this discriminatory action and change your policy. I have filed a complaint with the Attorneys General of Texas and of Florida. 
XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Cell XXXX XXXX XXXX
Consumer complaint received 2019-03-01
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FORD MOTOR CREDIT CO. (VA)

Ford refuses to take me off of the autodialer list. Basically the autodialer doesnt have a time stamp so it automatically calls during work hours. So they are saying they cant adhere to not calling during work hours. They are saying theyd have to fully take me off the calling list. I have a rewrite in progress for the loan but their collections department still uses the autodialer and cant take me off.the CSR actually said to just ignore the 2-5 phone calls a day, which is frustrating.
Consumer complaint received 2017-09-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (TX)

they charged me overdraft fees and a XXXX extended over draft fee and now i cant use my debit card even though i have card protection i call them they did nothing to help. I was in Texas during XXXX XXXX they claimed to have no over draft fee for a curtain time frame but i was charged
Consumer complaint received 2021-01-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Simon's Agency, Inc. (NY)

I am filing a complaint against SIMON 'S AGENCY INC ACOUNT # XXXX & XXXX the ORIGINAL CREDITOR : XXXX XXXX XXXX. I wrote to them on XX/XX/2020 for validation they received the letter on XX/XX/2020. They responded back on XX/XX/2020 past the 30 days. They are non compliance of Federal, State, FCRA and FDCPA violation status on fraudulent extortion. 
I hereby reserve my right to take private civil action against you to recover damages. Here are violations that I will be filing : 1 ) They have " Re-Age '', your account by reporting the date of last activity instead of the date of last delinquency. Protection under the FDCPA Section 807 ( 8 ) fine. 2 ) They have report my credit history inaccurately. Defamation, financial injury. U.S.Court of Appeals, Ninth Circuit, No.00-15946, Nelson vs. Chase Manhattan. Extent of damages incurred by the wronged partly as deemed by the courts. 3 ) Liability : Bryant v. TRW - the Defendant consumer reporting agency unsuccessfully argued that, under 607 ( b ) of the FCRA ,15 U.S.C. 1681 et seq., it was not liable as a matter of law, for the reports it issued in good faith, and as a result of inaccurate information provided to it by Plaintiff 's creditors. the court held that the Defendants was not free from liability when the credit reports at issue was not accurate. Once inaccuracy was determined, defendant 's agency procedures were not determined to be not reasonable to ensure maximum possible accuracy, pursuant. the consumer was rewarded $ XXXX. 4 ) I am also including in the civil suit CRA 's who you pay to keep these items on my credit both you guys refusal to correct information after I ask in the letter that I wrote them and you the accuracy. This defamation, willful injury. FCRA Section 623 CUSHMAN, v TRANS UNION CORPORATION US Court of Appeals for the Third Circuit Court Case 115 F.3d 220. Extent damages incurred by the wrong party, as deemed by the courts. 5 ) They also fail to tell the following so they have no claim to have me pay this : Show me that you are licensed to collect in my state Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent. 
I hereby demand that you immediately delete the item from my credit report in order to avoid legal action.
Consumer complaint received 2020-05-28
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: FISERV INC. (TX)

XXXX I started the activation process, provided card #, SSN and Sec Code. Then, the automated service cut me off and transferred me to a call person. Wait 20 minutes, they called back, asked for my SSN, I was uncomfortable giving it out, he transferred me to automated service, there were two automatic messages going at the same time, so after about 10 minutes listening I hung up. Now, when I call back, after I enter all my data, it just says " unable to complete '' and hangs up. This is the same process for activation or to speak to a rep, so I am unable to speak to someone or get the card activated. It almost look like a scam.
Consumer complaint received 2021-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (CA)

I have an excellent credit score and plenty of available credit from numerous sources. 
Earlier this month I applied for a Macy 's credit account in order to take advantage of a promotional discount on a purchase ( sofa with a {$1700.00} cost ). 
The application was denied by Department Stores National Bank. Here is the explanation that they provided : " Unfortunately, after careful consideration, we are unable to approve your request for a new account. Our decision is based on information we received from one of our Citi affiliates that your relationship with Citi has been reviewed and we can no longer service accounts for you '' By way of background, I am in litigation against Citigroup and XXXX XXXX XXXX XXXXXXXX on a wrongful termination matter. 
This retaliatory action is clearly illegal under Regulation B, as is not germane to my credit standing. In fact I still have accounts with other Citi affiliates. 
Furthermore I am a senior citizen of XXXX origin. If this is not disparate treatment, then I don't know what is. 
I did in fact buy the sofa paying with another card without any issues.
Consumer complaint received 2017-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (FL)

XX/XX/XXXX- I contacted XXXX Citi and asked for a credit increase. I specifically stated I did not want hard pull done. I did not want the increase a hard Pull had to be done. They told me would not be a hard pull. It would be a internal pull. I was denied. I then requested to speak with a supervisor as to why I was denied the supervisor told me she would look into it and inquire. I told her that was ok as long as it did not result in any form of a inquiry on my credit report. The supervisor told me there was a exception for HURRICANE IRMA relief victims and because I was in Florida she could submit a request for me and that it would not be a hard pull/ inquiry on my credit report. I was a IRMA hurricane victim and needed assistance so I said yes. 
The Supervisor completely assured me that it would not be a hard pull. She advised me to call back the following day at XXXX to see if the additional {$500.00} Hurricane relief was provided to me. I checked my credit report today and there is a hard pull dated XXXX on all 3 bureas and it has lowered my credit score. 

This hard pull credit check was done completely WITHOUT my consent or authorization. 
These calls are recorded and I want the recordings reviewed if necessary. 
I contacted CITI BANK XXXX and spoke with a supervisor about this matter and requested the call be removed and the hard inquiry removed from all 3 credit bureaus.
Consumer complaint received 2020-11-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A. (NC)

Phone number XXXX has called me numerous times with threats of suing for a 10  year old " zombie debt '' with Citibank. Citibank discharged the debt long ago and it has moved from one collection agency to another. The statute of limitations for state of Virginia and where the debt was originated has long run out. I have received nothing by USPS or otherwise i.e.. no documentation but only threatening phone calls. This phone number has other known complaints against it from other individuals claiming a false attempt to collect a debt that is very old or was never a debt to begin with.
Consumer complaint received 2022-12-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (NC)

I carry my own homeowners insurance and BSI is charging me for their homeowners insurance. I have sent in my face sheet for insurance and spoke to a representative numerous times to no avail. I was told they had the incorrect property address. I sent in proof from the county. Somehow they paid property tax on the correct address but still are charging me for the insurance.
Consumer complaint received 2019-03-01
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: EQUIFAX, INC. (MN)

I'm asking that the 4 accounts on my credit report ( 1 ) XXXX XXXX XXXX XXXX {$5.00}, ( 2 ) XXXX XXXX XXXX XXXX {$4.00}, ( 3 ) XXXX XXXX XXXX XXXX {$0.00}, ( 4 ) XXXX XXXX XXXX XXXX {$0.00}, be blocked/ removed immediately in accordance with the FCRA if your companies can not provide me with physical documentation of these accounts. And upon your verification process/ investigation I would like to know the full details of the process.
Consumer complaint received 2020-12-01
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. (NJ)

This account of XXXX XXXX was open on XX/XX/2013 and don't remember having any business with XXXX XXXX at that year. As a consequence, I decided to dispute this account with the Three Bureau credit report XXXX, XXXX  and Equifax. I requested each bureau to provide me a copy of all documents that they have in their file that they used to verify the accuracy of the dispute account. They always reply with " Information on this item has been updated or This account has been verified but never send any documentation to verify the accuracy of this account. They were unable to provide me with a copy of the verifiable that they have on file because this account doesn't belong to me.