davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (VA)

Contacted Experian about their " XXXX  '' product. They have incorrect/inaccurate information in my XXXX file. When I called ( many, many times!! ), they did not know how to fix my problem, which led to them shutting down my phone and SS # when I tried to call back. I think Experian may have become too big as their FICO scoring model is what the lending industry uses almost exclusively to assign lending rates to the US consumer. I could go on about how all 3 credit reporting companies like to quickly drop you scores, but take exceptionally longer to return your score to a higher number. Since the 3 main reporting companies are federally regulated, the US consumer doesn't have an advocate to fight these issues. Suggestions??
Consumer complaint received 2017-11-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

A dispute was filed for a transaction in the amount of XXXX on XXXX XXXX I believe is the date, XXXX is the merchant name, this an XXXX purchase. This was paid by myself for a purchase made with my mother 's XXXX account, not my own. An XXXX XXXX was ordered, advertised as unlocked. When item arrived, it would not work as it appeared it is not unlocked as advertised. My mother filed a dispute with XXXX on her end as again, it was purchased under her XXXX account. Item was returned, a tracking number provided. However, my mother is elderly and the incorrect tracking info might have been provided to disputes team. A temporary credit was provided and later reversed, disputes team requested information from a third party stating item is defective/would not work. The item was already returned back at that point, tracking number was provided as stated before. The rep, XXXX, replied back stating he is closing dispute and reversing credit, will not reply back to messages via secure inbox. Needless to say, this rep is rude and uncooperative. The credit was reversed and my account is now overdrawn because of it. I wish to reiterate that item was returned, tracking info might not be accurate as my mother is elderly and easily confused. However, item was not as advertised as it was not unlocked.
Consumer complaint received 2024-03-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (TX)

I received 3 overdraft fees in the amount of {$35.00} each for debit card transactions. I opted out of overdraft over a year ago to avoid fees, but they continue to charge fees. They refunded two of the fees leaving one because it was their policy not to. The call was escalated to the executive office, but they responded today that they would not refund the fees either.
Consumer complaint received 2024-03-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: CMG MORTGAGE, INC (TX)

We had a covid forbearance of 6 months in place and at the end requested to extend that forbearance an additional 6 months but were told we could not although we read that there is an option available to extend an additional 6 months. We feel as if we were not given an explanation of all of our options. We were placed on a trial flex modification as it was pushed as the only option besides foreclosure. After speaking with an agent for the company, they confirmed that we had an option to extend the forbearance.
Consumer complaint received 2020-10-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc. (TX)

Due to COVID19 and the fact my Gym Closed I called to cancel my membership which I was informed it would be cancelled. XXXX XXXX - XXXX XXXX XXXX XXXX XXXX Location was permanently closed. 

I received a collection letter today from First Credit Services and tried to explain the situation and was told even though the Gym was closed I still had to pay! This is fraud. I told them not to call me anymore and XXXX the Debt Collector got very aggressive and tried to tell me the Gym was open at the time I cancelled my membership which is not true. 

I would like this debt collection to cease and desist and for them to close it and not impact my credit report.
Consumer complaint received 2018-02-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. ()

On XX/XX/2018 I purchased {$98.00} of cryptocurrency from Coinbase and used my visa debit for payment. The transaction was successful however I noticed the next day they charged me {$98.00} twice but only credited my coinbase account with {$98.00}. After speaking to my bank they said in 10 days the extra charge would likely be returned. On XX/XX/XXXX it was returned, however this morning XXXX XX/XX/XXXX ) another charge for {$98.00} hit my bank account. This is an unauthorized tranasaction and I haven't received any funds in my coinbase account.
Consumer complaint received 2024-03-04
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The CMI Group, Inc. (TX)

I spoke with this company ( Credit Management ) on XX/XX/2024 and informed them that the debt in question was in litigation to determine the validity of the debt. 

On XX/XX/2024 I asked them to stop communicating with me. 

On XX/XX/2024 they called again.
Consumer complaint received 2024-03-04
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (IL)

I called AmEx on XX/XX/24. They had an outgoing message reporting high call volume and suggested to call back at another time. After waiting on hold for several minutes, they gave an option to call me back later in the day. I selected this option and never received a call back. I called again today. I waited on hold for XXXX minutes. The agent tried to avoid canceling my card multiple times. Ultimately, they told me I would lose all card benefits ( statement and miles ) if I closed the card today. They will not set up a cancellation for XX/XX/24 and will require me to call back. 

I believe Amex is taking intentional actions to make it hard to close an account so they can continue to collect annual fees.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NC)

I am through naviant and they refused to let me make lowere payments or payments I could afford. They finally put me in a forbearance but they said that would be best since I could n't pay XXXX a month. I now owe XXXX or more in school for 2 years because of fees and interest. I went to XXXX university. They have messed my credit up I ca n't get higher then XXXX. Thanks XXXX XXXX
Consumer complaint received 2024-03-04
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK (NM)

I have held a Discover Credit Card since the early XXXX. I no longer use this card and do not want it showing up on my Credit Report any longer. 

On XX/XX/XXXX I sent a signed letter via US mail to the address of : Discover Financial Services XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX. In this letter I stated the following : I am writing to you to request that you close my Discovery Credit Card account. I already have other credit cards that I use regularly and am no longer interested in keeping an account open with Discover Card. My credit account number is : XXXX XXXX XXXX XXXX. Please close this account immediately. 

Of course I have replaced the XXXX above with the real card number in my letter. 

As of today, XX/XX/XXXX this account is still open with Discover Card.

I should not have to hound Discover to close my account. I expect a signed US mail letter to this company should be enough to close this account yet they have not honored my request. 

I am writing to complain about this and to see if you can recommend to me any further steps to take in order to have this account closed permanently? 

Thank you for your attention to this matter.
Consumer complaint received 2024-03-04
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: SUCCESS MORTGAGE PARTNERS, INC (MD)

I applied for an XXXX loan through XXXX XXXX. They denied the loan saying that there was not sufficient funds in the budget for the repairs per the HUD consultant. I extended the contract but was REQUIRED by the seller and their agent ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) to use their preferred lender, XXXX XXXX at Success Mortgage Partners, in order to move forward. On the day the closing was scheduled ( XX/XX/23 ) the funds for closing had been sent to the title company as required and then the lender suddenly said that they were unable to close because the contractor wanted more money for the repairs. I received a denial letter about a week later. In accordance with the financing clause of the contract I requested the return of my {$5000.00} earnest money deposit from Success Mortgage, XXXX XXXX, the seller 's agent, and the seller directly. I also asked the same of my realtor XXXX XXXX XXXX XXXX XXXX XXXX. My realtor refused to request a 30 day extension to allow time for another lender to take a look at the package, or to submit a request for the return of my earnest money deposit. Instead she asked me to sign a release granting the seller my earnest money deposit. Obviously she was acting in the best interest of the seller and not me as the buyer, although she was supposed to be a buyer 's agent. The title company said that the seller had to sign a release. I contacted their agent to execute one but was ignored. I hired an attorney who made 3 requests of the seller 's agent and his broker to execute a release. The seller 's agent ignored all requests and when reached by phone, hung up. The seller 's broker said that the seller refused to release our deposit. No one has cited a cause and their action is contrary to the terms of the contract. Now, two months later the seller has started an action in small claims court to sue me for my earnest money deposit. I am a 100 % XXXX XXXX  with XXXX. This is stressful and unfair as I complied with all terms of the contract, used all of the service providers required by the realtors, made a concerted effort to close but was denied and now the seller is trying to simply steal my deposit by refusing to give it back.
Consumer complaint received 2017-03-03
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Bank of America extracted {$500.00} from a joint checking account I have with my daughter. They did this with no warning and paid it into a separate checking account I have with BofA. That account was overdrawn, which I was aware of and intend to pay. My financial woes began when my ex stopped paying child support last year. I 'm struggling to make up the difference and am in the middle of a refi, which will resolve my issues. BofA is refusing to put the {$500.00} back into the joint account so that I can use it to pay my mortgage. This was my daughter 's paycheck money. I have had the account that is now overdrawn with them since XX/XX/XXXX. The joint account was opened in XX/XX/XXXX. We are longstanding customers, and our situation is an aberration. I never signed anything that said that I allowed BofA to take money from one account and put it into another! I want the money returned to the joint account immediately. This action is jeopardizing my financial future, as I must pay my mortgage in order to qualify for the refi. This is a harmful tactic that should not be legal.
Consumer complaint received 2015-04-14
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (FL)

XXXX University XXXX - XXXX, Florida. I attended this school for my XXXX. and XXXX. degree. They lied about job placement numbers, lied that the degrees I was seeking would be get me the job I wanted, lied saying that my credits could transfer to any other school, and they were under investigation from the gov't at least XXXX time while I was there and that is why they changed the school name from XXXX University to XXXX while I was still attending. Since then, XXXX has numerous lawsuits filed against them for misuse of funds and for fraud, including another gov't investigation for the same allegations. They have filed bankruptcy and closed many schools, and the ones still open are no longer allowed to accept students.
Consumer complaint received 2024-03-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CA)

This is regarding Claim Number : XXXX for my Checking Account ( file attached ). 

This was for the XXXX XXXX online that Chase said they sent to the Doctor office electronically. However, the Doctor office said that they do not have an account with Chase. Chase should sent the XXXX payment through physical mail to the Doctor 's office address. The Doctor said that they only have XXXX  XXXX XXXX per the file attached. 

After I filed a claim with Chase, they denied my claim and closed this case.
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: CITIBANK, N.A. (GA)

A fraudulent charge was made on various credit cards XX/XX/22 after my wallet was stolen. A masked man was seen in video surveillance at XXXX XXXX buying around XXXX dollars of gift cards. A police report was filed and video surveillance showed this within one hour of the incident. All credit card companies were called, refunds were made by all credit card companies but Citibank for {$4100.00}. There is a police report. Citibank still will not refund my money
Consumer complaint received 2017-05-20
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

hi i have over  XXXX  hard inquires on my credit report i did not allow anyone to do this please help! I have a very good credit report besides the unknow inquires. Ive never had a late payment or a missed payment. This inquires have a major inpack on my credit report.
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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NY)

I booked a flight through chase XXXX XXXX Booking ID : XXXX on XX/XX/XXXX with a transaction amount of {$350.00}. 

XXXX canceled the flight and I was meant to receive a refund amount for XXXX USD from XXXX. 

XXXX confirmed on XX/XX/XXXX that the refund was issued to XXXX ending in XXXX. This is not my card but the chase travel agency card. I have since called in XXXX ( was told to wait XXXX billing cycle ). In XXXX I called again ( was told to wait another XXXX more billing cycles ). XXXX same thing was told to wait another billing cycle. 

In XXXX when I called- I was told that I would get a check in the mail in two weeks. Did not receive this. I called again on XX/XX/XXXX which was XXXX weeks later and they said the check was never sent. Further escalated and no resolution. 

On XXXX I was told that I need to go to the dispute department and they told me its been over 180 days and they can not make the change. I have been following up for this for over 7 months now - well within the window. During this 2 hour call I was sent around to 4 different departments with no resolution.

I have cumulatively spent over 20 hours on the phone trying to get my money back. I have been pushed around to multiple different departments with no solution - to accounting twice ; disputes department 3 times ; card member services 3 times. Im sure if you look at the log you will see the lengthy amount of notes in there with my repeated calls that have resulted to nothing. Multiple times its has been escalated. That means absolutely nothing because every time I talk to someone new information comes out and its back to square one. 

I have been a loyal chase customer ( 12 years ) & Chase sapphire customer for ( 8 years ). This is absolutely ridiculous. They lost a customer as I am never going to renew again & I will tell all my friends & family to also boycott. That {$550.00} annual fee is not even close to the hours, tears & frustration I have had to deal with the last 7 months.
Consumer complaint received 2020-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I have repeatedly asked for evidence to support XXXX 's reporting, but yet again, the company has failed to provide me with a copy of any viable evidence submitted by DeptEdXXXX, XXXX XXXX and XXXX XXXX substantiating their claims. 
Furthermore, I have requested your method of verification, and XXXX  have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ).

Given that I believe you are acting in bad faith, and have not complied with the Fair Credit Reporting Act, I am fililing a complaint. I sent them several certified letters dated, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have not received any reponse from the credit bureau.
Consumer complaint received 2017-11-05
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: Experian Information Solutions Inc. (MD)

On XXXX XXXX, XXXX I mailed a dispute letter through USPS Certified Mail to Experian disputing inaccurate and invalid accounts on my credit file. Experian received the letter on XXXX XXXX, 2017.Within 30 days I received a letter from Experian saying that the invalid accounts where verified. On XXXX XXXX, XXXX I mailed another letter through USPS Certified Mail to Experian asking for method of verification and proof of verification. Experian received the letter on XXXX XXXX, XXXX. Within another 30 days I received another letter from Experian stating the exact same thing as the first letter. The letter said the accounts have been verified. Experian did not provide any proof or details on how the accounts were verified. On XXXX XXXX, XXXX I mailed yet another letter through USPS Certified Mail to Experian asking them to delete the UNVERIFIED accounts from my credit file per the FCRA. Within 30 days I received a letter from Experian stating again that the accounts have been verified. How can Experian say that they verified an account and not provide information on how the accounts was verified? How can Experian be allowed to willfully neglect FCRA and report inaccurate and unverified accounts on my credit file? This has caused me a lot of suffering. The Credit Bureaus makes billions from selling consumer information. They stand to make more money from consumers with bad credit, which is probably the reason that they refuse to do a proper investigation. The way they treat the powerless consumer is very unfair and unjust. If an account is not verified how can they be sure that the account belongs to me. Any company that has an account with Experian can report inaccurate information onto your credit file without proper verification as long as they are paying Experian. Please delete these inaccurate, invalid and unverified items from my credit file : XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX. Thank You
Consumer complaint received 2024-03-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN HONDA FINANCE CORP (NJ)

This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it, more so they didnt follow the proper XXXX step validation procedure which makes this unfair practices. According to FDCPA XXXX entitled to {$1000.00} per violation and clearly they violated my rights.
Consumer complaint received 2021-11-27
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (TX)

I had a loan serviced by XXXX which I had complained earlier about taking almost a year to clear the forbearance issue. They placed the payments at the end of the mortgage after I cleared forbearance then even gave me a higher interest rate. At the end of the process they sold my mortgage to Midland Mortgage after I complied with all of their requests. Now Midland Mortgage who JUST took over the loan XX/XX/XXXX is telling me that I owe them a {$1000.00} payment for XXXX of 2021 when the loan was with XXXX and I complied 100 % with Dovenmuhle during the process and XXXX told me that ALL I had to do was pick up the new payment this month with Midland. I feel that Im a victim of both Midland Mortgage and XXXX who both did a very poor and unprofessional job. I should not owe Midland Mortgage for a forbearance that was approved and negotiated with XXXX. Midland just took over the mortgage XX/XX/XXXX so how am I responsible for XX/XX/XXXX when XXXX approved this already?
Consumer complaint received 2024-03-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NY)

So i had newly opened an account with chase and i deposited $ XXXX. I then transferred {$100.00} to my td bank account and then 2 days later they close my account because of suspicious activity. I opened the account on XXXX XXXX its now XX/XX/XXXX and i been calling chase weekly asking them to mail me my remaining funds and theyre saying that i have to verify the check. I told the store owner about it and he said its a problem with chase. Chase told me that they would email theyre manager so the restriction could be lified but whn i called and they told me i would have to wait and summit another complaint. i dont know wht to do
Consumer complaint received 2024-03-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (OH)

There is account from LVNV Funding LLC for a collection took account over on XX/XX/2023 from a company named XXXX XXXX XXXX XXXX  XXXX in the amount of {$920.00}