davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: WELLS FARGO & COMPANY (NV)

On XX/XX/XXXX I had my credit scored pulled to purchase a home for my wife and I. My score was extremely low because there was a charge off credit card from Wells Fargo. We never use that credit card and we always watch our bills to make sure payments are conducted on time. Apparently there was a purchase made on XX/XX/XXXX for a renewal from microsoft which we cancelled and they still charged, we never received a payment notification from wells fargo for the XXXX charge from XXXX. No phone call no e-mail, nothing. Now that we are trying to purchase a home it 's become impossible because of this one card and a charge we were never notified off.
Consumer complaint received 2017-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

I have reason to believe that Equifax has been placing another persins information into my credit file. I signed up for thwir services in XX/XX/XXXX and all of a sudden the product syopped working 3 weeks after I signed up for the monitoring services. They are already aware that I am a victim of identity theft, but they I believe that they are contributing to it. It took them 7 weeks fix the product at which time I could not view or monitor my credit file. They finally cancelled that product and told me the product was no longer being offered. And placef me onto another. They didnt give me a refund for the faulty product and they did not extend any free monitoring for the inconvenience. All of sudden on XX/XX/XXXX the product stopped working again and nobody provided a solution. As of today. The product was payed for on XX/XX/XXXX, at which time the product stopped working on XX/XX/XXXX. All of a sudden after speaking to a representative named XX/XX/XXXX, he stated the file was locjed, and I no longer had the product that enabled me to lock the file because they claim they discontinued it. He then cancelled the current product that was not working, and claimed that he needed to cancel it in order to remove the lock. He still was unable to remove the lovk and they did not offer any refund, or my money back, or solution to the problem. They referred me to XX/XX/XXXX at which time, the report was still unable to be viewed. I have reason to believe that they are allowing someone else to use my credit file because when I tried to dispute the fact that there is a lock online, they stated the address information that I provided wad not matching what they have on file. And they have the correct infotmation.
Consumer complaint received 2018-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

I have had 2 credit accounts with Chase for a little over a year now As I do with all my cards, when I make a purchase, I have paid them off immediately, and used them sparingly. I have never carried a balance, or used a card irresponsibly. 

This is probably what caused Chase to close my account - people like me are bad for business, you see. 
Without notice, without reason, and without response, my accounts were closed. I am a recent college graduate, and the effect on my credit, vis-a-vis total credit, number of accounts, account age, is likely to hurt me pretty badly. 

I don't even know how exactly long the accounts have been closed for. No information has been given to me, I have received no letters, and when I call customer service I get transferred around and around. 

Upon some googling, I see that Chase is notorious for this. What makes this more disappointing is that I just switched from another bank to a checking/savings account with Chase.
Consumer complaint received 2022-09-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (FL)

Hello, I had opened my US Bank Easy Checking account during the promotional period wherein if I get a direct deposit of {$4000.00} or above then I would be eligible for a {$400.00} bonus for opening my bank account. I opened my account over the phone and the representative over the phone said that I was registered for the promotion and that I would get it within a couple of business days of fulfilling the requirements. I opened my US Bank Easy Checking account back in late XXXX and I have already funded it with multiple direct deposits of over {$4000.00}. However, I have not received that bank bonus yet and after calling customer service, I did not get any proper response as to why the bonus has not been posted. They did not provide any resolution on the matter. I am hoping to escalate this matter so I can get the issue resolved and attain that {$400.00} bonus that I am missing.
Consumer complaint received 2017-03-16
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (PA)

I have a Citi Prestige Card ( for which I pay {$450.00} per year ) that rewards purchases in Thank You Points. The Thank you points can be used to purchase travel related items. In XX/XX/2016 I purchased two tours through the Citi Thank you Portal 1. Dinner Along the XXXX XXXX and 2. Spectacular XXXX. I paid XXXX points ( {$130.00} equivalent ) for the first tour and XXXX points ( {$46.00} equivalent ) for the second tour. 
The tours were not as advertised. The first one did not provide the tour offered and the second one was cancelled by the vendor. I contacted Citibank upon my return on XX/XX/XXXX by telephone. They assured be the points would be refunded. I contacted again the following week and got the same reassurance. I then contacted again at the end of XX/XX/XXXX and spoke with supervisor XXXX XXXX. I have been in email contact with XXXX XXXX ever since. He called me on XX/XX/XXXX to tell me that they agreed to refund the XXXX by night tour and the points would be back in my account by the end of the week. I am still waiting. On XX/XX/XXXX I was told via email that I would receive the points for the 2nd tour as well. I am still waiting. 
After numerous emails where I provided extensive documentation and phone calls I am still out of my points that I earned via an expensive credit card. I was cheated out of the tours I booked and now it seems I am not able to get my points/money back either.
Consumer complaint received 2017-10-10
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. (NY)

Is reporting a late for XXXX account # ending in XXXX for XX/XX/XXXX Kindly remove this late as I had 30 day window to pay this bill from the due date of XX/XX/XXXX. Payment had to be received within the 30 day window from that date and was. 
Payment was made on XX/XX/XXXX only 24 days after bill date. All in accordance with FDCPA. 
Attached are bills and payments for this account. 
After this complaint XXXX and XXXX, XXXX, XXXX have updated a late to XX/XX/XXXX.
But in XX/XX/XXXX payments were on time. 
Thank you, XXXX XXXX S.S. # XXXX D.O.B. XX/XX/XXXX
Consumer complaint received 2017-10-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (VA)

I thought that lenders - for any loans, not just student loans - were required to provide timely and accurate billing statements. I am attempting to re-finance my student loans currently serviced by Navient, and much to my surprise there is not a way to access your billing statements via their web portal. I have been on autopay for years, and not had a reason to look for a statement, but I am appalled at how difficult it is. It is hard not to wonder whether they are hiding something. My guess is that they want to make it difficult to re-finance with another lender, and they know that is more than likely the only reason you would be accessing billing statements, so they make them difficult to obtain.
Consumer complaint received 2017-10-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (CO)

XXXX/XXXX/XXXX I have a prepaid XXXX gift card, marketed by US Bank, with a {$200.00} credit balance. Today I tried to use the card to purchase an airline ticket for {$180.00}. The transaction was denied. I contacted Cardholder Services at XXXX XXXX XXXX XXXX and spoke to a supervisor, XXXX XXXX who told me that airline ticket purchases have an automatic withholding function that requires a 20 % " overage '' for gratuity. I told her that I was purchasing a ticket for exactly {$180.00} and that there would be no gratuity on the account and asked if she would be able to approve the transaction. She told me that it is bank policy to withhold the 20 % overage for any services ( haircuts, restaurants, airlines and cruises. ), and said that she would not be able to approve the transaction. I then inquired what could be done to get the purchase completed, and she suggested that I call the airline and ask if they would be willing to reduce the price of the ticket by 20 % -- laughable. I asked her to provide me with the documentation of the US Bank airline ticket gratuity policy, because the pamphlet that came with the gift card makes no mention of it. She said that she was unable to do so, but that I could write to Cardholder Services at XXXX XXXX XXXX XXXX, FL XXXX and they would be able to provide me with the information. Since the card is administered by US Bank, I asked if I could take the card into a US Bank branch and simply get cash for the balance and was told that I can not do that either. The problems are : 1 ) I have {$200.00} on a card that I would like to use {$180.00} to purchase an airline ticket. 2 ) I have until XXXX XX/XX/XXXX to get the purchase finalized. 3 ) Even if they are able to furnish me with the policy, I am still without the ability to have access to my money, and US Bank has refused to allow the purchase to be approved. 4 ) Never in my life have I paid gratuity on the purchase of an airline ticket, nor do I know of anyone who has paid gratuity to purchase an airline ticket. In fact, I looked up " Can I pay gratuity for an airline ticket? '' on XXXX and was not able to find a single item about it. Lots of info about cruises, motor transportation, and tour guides, but no gratuity on airline tickets. Interesting.
Consumer complaint received 2023-01-31
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY (NY)

I read about a lawsuit in which Wells Fargo was to pay consumers for wrongfully applying payments and fees etc to auto loan borrowers. I was a customer of Wells Fargo with an auto loan during this time period. I was never contacted by Wells Fargo but if they are-were partaking in such practices I dont understand how my loan wasnt affected if so many others were. I would like my loan to be looked into as well and if they acted unlawfully would like to be compensated as well. Again, if this is what they were doing during that time, I dont see how they werent doing it to my account as well
Consumer complaint received 2017-10-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Armcon Corp (CA)

I was contacted via letter on XX/XX/XXXX by a XXXX XXXX representing the Coachella Valley Collection Service. He indicated that a debt was owed in the amount of {$5800.00} from the XXXX XXXX XXXX XXXX. 

He continued to send numerous collection letters. On XX/XX/XXXX he sent a letter threatening to sue.
On XX/XX/XXXX I replied to the collection agency to cease and desist collection efforts as the Statute of Limitations had long passed. They never responded nor removed the collection from the credit bureau  's.
Consumer complaint received 2021-02-19
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (WI)

I applied for the unsecured Amazon Store Card and was approved on XX/XX/XXXX. As part of the agreement, I was required to provide an initial deposit of {$500.00}. The agreement also stipulated that my initial deposit will be refunded after my card is updated to a secured account. 

My account was upgraded to a secure credit card around XX/XX/XXXX. All attempts to get my initial deposit refund has not yielded results. 

I have made numerous ( 8 at least ) calls to their customer service centres, and the response is always : " wait 7 - 14 days, your check will be reissued '', but they never follow through with this. 

My last call with a representative was on XX/XX/XXXX, and I was again told to wait 7-14 days for my check, which I was supposed to have received about a month ago, based on a previous call.
Consumer complaint received 2023-01-31
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: DISCOVER BANK (FL)

I opened a savings account with Discover Bank on XX/XX/2022. I made a deposit of {$300.00} into the savings account on XX/XX/2022. I made another deposit of {$400.00} into that same account on XX/XX/2022. This brought my total balance in the account to {$700.00}. 

However, on XX/XX/2022, I was notified that my savings account was suspended due to " unusual activity '' by Discover, and the account was closed soon after. Because of this account closure, I was unable to view messages from the bank in my account, or other information about the account such as the account number or account statements. 

I made repeated calls to the bank regarding this, and was only ever told by customer service XXXX and supervisors that Discover has the right to close accounts without warning for " business purposes ''. 

Upon request that my {$700.00} be returned, I was first told that the funds would be sent to me within 30 days. After this time frame passed, I was then told the money would be dispersed within 90 days. It has now been over 190 days since the account was closed and I have still not received my money. 

Despite repeated attempts to resolve the issue, Discover now maintains that there was no money in the account at the time of closure and that I should contact the XXXX XXXX XXXX  ) that transferred the money into the account. I have called XXXX  to confirm the money sent was in fact cleared, which is also verified by emails XXXX  sent to me and in my statements that I am attaching as proof.
Consumer complaint received 2017-10-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (OH)

For years I 've have had multiple issues with the loans now being serviced by American Education Services. Initially, the loans were taken out by my mother but she used my personal information and forged my my signature. I did not find out about the loans until after I graduated in XX/XX/XXXX. Since then I have made over {$13000.00} in payments to different service companies, only to see my outstanding balance increase by {$14000.00}. In the past, they have told me the interest and late fees has accrued so much that any payments I 've made get applied there only.
Just recently, I completed my XXXX XXXX  program and the loans came off deferment. I have made {$2700.00} in payments since XX/XX/XXXX all of which were applied to interest and fees. I called and tried to make payments in the past, but they told me they could not accept my routing number and required I mail checks and then charged me a late fee. 

My husband is not receiving a paycheck now and the burden of these, combined with the misinformation and shark lending practices makes me feel as if I 'll never be able to get from out of debt. To have paid as much money as I have paid over the years only to have the balance greater than when I first found out about loans that were n't even signed by me has called significant stress. However, when I have inquired about the fact that I never signed for these loans I was told the only way to resolve the issue was to prosecute.
Consumer complaint received 2022-09-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

I have been calling Mr Cooper since XX/XX/19. They have been collecting my tax impounds for a year and havent had to pay out taxes since the builder prepaid for a year. Ive have had my company run a tax analysis and I have a surplus of funds that I want refunded to me so I can pay my supplemental taxes. They currently have $ XXXX in my escrow account. I know legally they can not hold all that money in a non interest baring account. I work in mortgage and I know how it works and I can not get any resolution with them. Please help
Consumer complaint received 2017-10-09
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (WA)

This company is repeatedly contacting me " on behalf '' of an acquaintance and claiming I am a " reference '' and need to call back. This is untrue. I am ignoring their calls and have no business with them, yet they keep harassing me.
Consumer complaint received 2021-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (OK)

On XX/XX/XXXX and XX/XX/XXXX I accidentally made payments to my credit card from an incorrect account, which caused the payments to bounce. I was not notified via email or on my online banking that the payments had bounced, other than in my transaction activity. The company sent me a letter, and I only received the letter about the XXXX payment bouncing on XX/XX/XXXX. After discovering the bounced payments in the history, I scheduled another payment on XX/XX/XXXX, but my card declined when I tried to use it. I called Chase, and was informed my account had been reviewed and closed due to the bounced payments. I have never, ever, bounced a payment to Chase in the 13 years I have had the card, and always paid off my balance on a monthly basis. The lack of timely information about the first bounced payments caused me to inadvertently make a second bounced payment. Had I received timely notification, via email or text alert, it would not have happened a second time. It is almost like Chase wants to make it harder to know you have bounced a payment, to ensure maximum fee income.
Consumer complaint received 2017-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MO)

Received notice my credit information was exposed by Equifax being hacked. I went to the Equifax website to confirm and Equifax confirmed my information was breached. That was XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I applied for an auto loan. I was denied based on information provided by Equifax. Then I went to XXXX to find out what was wrong. XXXX XXXX and XXXX show good credit sufficient to secure an auto loan or any other loan. I was unable to access my Equifax information. The website denies me access no matter what I do. Tried calling them and am on hold for up to XXXX hours when a recording plays. It says the party you are trying to reach is unavailable. 

So, they are reporting bad information compared to other credit agencies. They deny access to that information and are unreachable to get any information. 

As a consumer, I find this a tortuous interference of business. Slanderous and with intent to do harm. What is my recourse?
Consumer complaint received 2017-10-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Conn's, Inc. (TX)

IN REGARDS TO : CONNS CREDIT CORP : XXXX XXXX XXXX XXXX, TEXAS XXXX ; I SENT A CERTIFIED LETTER RECEIVED XXXX XXXX 2017 BY AGENT XXXX XXXX THROUGH USPS. I REQUESTED THE VALIDITY OF THE 2 ACCOUNT DEBTS THAT APPEAR AS DUPLICATE ACCOUNTS. I KNOW NOTHING OF AS THEY ARE REPORTING. INFORMED THEM THAT IF ANY NEGATIVE MARK IS FOUND ON ANY OF MY CREDIT REPORTS BY THEIR COMPANY DURING THE IVESTAGATION OF VALIDATION WOULD BE A VIOLATION OF THE FAIR REDIT REPORTING ACT. IN WHICH THEY REPORTED A FEW DAYS AFTER RECEIVING MY REQUEST OF VALIDATION TO VERIFY MY PROOF OF BURDEN. I HAVE NOT RECEIVED ANY CORRESONDENCE LETTERS FROM CONNS CREDIT CORP YET. I 'VE GROWN TIRED AND VERY ANGRY WITH THE WAY I 'VE HAVE BEEN TREATED BY CONNS CREDIT CORP. THEY HAVE VIOLATED ALL FAIR CREDIT REPORTING PRACTICES. MY NEXT STEP IS TO FILE WITH BBB, FTC, ATTORNEY GENERALS OFFICE, TEXAS COMPTROLLERS OFFICES AND SO UNTIL THE MATTER IS RESOLVED.
Consumer complaint received 2021-09-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BARCLAYS BANK DELAWARE (NJ)

I had a barclays credit card it was charged off I paid it in a settlement it was sent from credit store to XXXX XXXX to XXXX XXXX and when I spoke to XXXX XXXX they said the account is paid for {$800.00} and they dont know why Im being reported so I called XXXX back and they claim that they have no access to my account to call XXXX XXXX  back. Im getting a run around, they reported my to XXXX  and they took off 14 points off my score on an account that was already satisfied. I want my score restored to XXXX and for the to erase themselves off my credit report due to fraud and negligence. BTW I never got notification of this debt cause it was already paid.
Consumer complaint received 2017-10-09
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. (CA)

I have tried XXXX times through the dispute option on all my credit reports to remove XXXX XXXX x XXXX XXXX late reports from XXXX, the Ed/Gov funding for college loans from my reports. On my credit report under derogetory information it shows late payments XXXX late payments for each account. XXXX been on loan deferment since XXXX. On my list of accounts in good standings it shows never been late. I need these deleted so I can find a new apartment and get phone service.
Consumer complaint received 2017-10-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: GREAT LAKES (PA)

I 've been receiving calls from : XXXX XXXX XXXX https : //XXXX Direct Line : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Processing Dept : XXXXXXXXXXXX Customer Service : XXXXXXXXXXXX Customer Service : ( XXXX ) XXXX She attempted 4 times to reset my FSA ID and requested me to give her my password and login information, when I told her I felt uncomfortable giving this information, she said " I have no desire to steal your identity '' ...