davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2024, I tried to make a transfer from my chase checking account to my checking account at XXXX XXXX XXXX. To complete the process, chase prompted that the account on the other end has to be established with a small deposits. On XX/XX/2024, I saw the small transactions on the other end and I verified the account on Chase app after which I attempted to transfer XXXX  XXXX from my chase account to the XXXX XXXX at around XXXX XXXX XXXX. I received a call from Chase bank representative on XXXX at XXXX XXXX XXXX saying that they wanted to verify the transaction. They asked me for the regular verification questions and also asked me to verify myself through a push notification on the mobile app. After I successfully verified, they told me that they are unable to verify my ownership on the other account ( XXXX ) and so they are unable to make the transfer. I asked about the process that they tried to verify and their response was that they tried to call the other bank and there was no response. In my experience, XXXX is a small bank and they always are prompt in their responses. The alternate they provided is to make a XXXX  XXXX  or make a check deposit. As an online only consumer for XXXX, the limit is XXXX  XXXX and they also have extended holds on check deposits on my account as I am a relatively new customer. As a consumer, I will be charged XXXX from Chase end for a XXXX  XXXX  and XXXX on XXXX end if I have to make a XXXX  XXXX. I asked about the same and since it is an issue with chase, I asked if can they waive that fee and they declined. I explained that I verified my ownership by entering details about the small deposits they made and that they can also see that there is a XXXX withdrawal happening from the same bank for mortgage from the chase account which can establish my ownership or call the other bank ( XXXX ) again on the number from their website and they declined to help through any of those ways. 

I came to CFPB to file a complaint and as the prompts on this site suggested me if I tried to resolve it with the bank, I tried calling them again at XXXX and after a XXXX  of internal phone routing and spending XXXX minutes, I got the same result. 

This issue seem to be evident that this bank is trying to extract unnecessary fees from clients by denying basic services that are usually free and easy at other banks.
Consumer complaint received 2017-08-12
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (NC)

Synchrony Bank issued me a {$800.00} credit limit for a Walmart Credit Card. I have great payment history and never missed a payment. The first issue I have is the company closed my card after the company tried to take payment on the wrong account number. I told the rep that was my saving and made the payment the same day. The manager said not to worry. The next week they closed my account dropping my credit score. I have made all of my payments even after my account was closed. I was placed on a $ XXXX monthly payment and the representative and I tried to make my {$10.00} payment over the phone. Their system was n't working she told me to try to use the computer. The computer did n't work I told her I would try again or mail the payment. I mailed a {$40.00} money order and the company claimed they lost it. Now my credit score dropped XXXX points. In the process of purchasing a new house. This has Hurt my chances. I strongly believe this bank is holding on to my money to lower my credit score
Consumer complaint received 2024-05-02
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (CA)

I received an email from XXXX XXXX today. That said I have a new collections so I went to go check the new collections upon reviewing the collections. It showed me that a company called Jefferson system has taken on a debt collection from XXXX of {$1300.00} or so. Ive never opened an account with XXXX in my life or have even stepped foot in a XXXX. Ive only ever had XXXX or XXXX  so Im wondering if someone stole my identity to open an account or whats happening but my credit score went down XXXX points and its unacceptable. Something needs to be done.
Consumer complaint received 2024-05-01
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: World Omni Financial Corp. (GA)

On XX/XX/XXXX I filed a dispute with XXXX that my auto loan is being reported as inaccurate. This auto loan is open and has never been late with XXXX payments on time dating back to XX/XX/XXXX. The dispute result came back as unchanged. My auto loan is inaccurately reported as discharged in XXXX XXXX bankruptcy and listed as a derogatory account that is hurting my credit. An XXXX specialist informed me they are reporting information given to them by the creditor. I contacted the creditor and they informed me the auto loan is in good standing and there shouldn't be an issue with the reporting, but all of my disputes come back unchanged. On XX/XX/XXXX XXXX reported my auto loan went to a XXXX balance because it was discharged in XXXX  XXXX bankruptcy and this is not accurate. Between XX/XX/XXXX and XX/XX/XXXX the auto loan went from being listed in bankruptcy to open never late/pays as agreed. When I call the creditor, my auto loan company, they inform me they'll look into and state credit bureau 's often change accounts back to a status that's incorrect. From month to month my credit score dramatically changes because of inaccurate reporting. I need my auto loan to be listed as open, with the balance owed, and all XXXX payments that are pays as agreed/never late with all three credit bureau XXXX XXXX XXXX, XXXX, and XXXX.
Consumer complaint received 2024-05-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RFNA, LP (AL)

Republic finance is stating I owe them XXXX, but when I asked them for a statement print out it shows a different amount of {$5200.00}. Ive explained to them Im on XXXX and I really cant add to pay them. The account was also written off in the amount of {$5200.00} in XX/XX/year>.
Consumer complaint received 2024-04-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (FL)

Company purchased a debt that is not mine and have been told numerous times via dispute. under the FCRA they had 30 days to provide a signed application showing it was opened by me the consumer. they dont have this because it is not mine! legally they have to remove it and their failure to do so is a direct violation of the FCRA. they mailed a statement showing no charges with a name on it, but that does not qualify for proof of ownership under the Fair credit reporting act. They purchased this debt cheap and are using credit reporting to try and force me to pay a debt that is not mine or owed. Please be aware that if this is not removed from my credit in the next 30 days you will be sued. It is illegal to report this to the Credit Bureaus with out validation and providing the requested documentation, which is a application showing i signed and opened the card! nothing else is sufficient to prove debt is valid under the FCRA.
Consumer complaint received 2024-05-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (CO)

Dear Sir/Madam, I am writing to file a formal complaint against Chime Bank for XXXX denying me access to my checking account and refusing to address fraudulent charges made by XXXX XXXX XXXX a known con-artist who has stolen my identity. This denial is based on incorrect information provided by the IRS, which has used a name associated with my past trafficking experiences, thus impinging on my rights under the 8th and 14th Amendments of the U.S. Constitution and contradicting the principles established in XXXX vs. XXXX. 

Details of the Incident : Account Affected : Attached in Docs Fraudulent Transactions : Charges made by XXXX XXXX using my stolen identity. 
Action Taken by Chime : Denied account access based on disputed IRS records. 
Chimes actions have not only locked me out of my account but have also aided in the perpetuation of identity fraud by failing to rectify the fraudulent charges promptly. This refusal violates my constitutional rights, particularly my right to access my property and the protection against cruel and unusual punishments and the deprivation of liberty without due process. 

Demands : Immediate restoration of access to my checking account. 
A full refund of all fraudulent charges linked to the identity theft. 
A thorough investigation into how my personal information was handled and the fraudulent activities associated with it. 
I urge the Consumer Financial Protection Bureau to take immediate action against Chime for their complicity in these fraudulent activities and for violating federal law by denying me the fundamental rights to my financial resources.
Consumer complaint received 2024-05-01
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

XXXX XXXX XXXX XXXX credit card information was stolen in XXXX and criminals used the information to spend over {$10000.00} at different stores. I was in fact in XXXX at the time. When I finally became aware of the matter I immediately contacted the credit card company but the case was already forwarded to Portfolio Recovery Associates LLC, a debt collection agency based in XXXX XXXX XXXXXXXX. I submitted abundant documents and the police report to the company and explained to them that I was a victim of identity theft, but to no avail. They reported it to the credit bureaus and I was immediately affected by the negative credit report. To make matters worse, the company 's reps kept writing and calling me on many occasions since XXXX and the most recent call was on XX/XX/XXXX. They have used many different phone numbers to disguise their calling ID. I have written down a few numbers they have used to harass me : XXXX ; XXXX ; XXXX, etc. Despite my protests of their calls, they simply ignore my pleas and have kept calling and harassing me. I told them to commence a lawsuit against me if they honestly believe that I owe them the debt, but they never did. They just employ the meanest tactics on their books with the hope that I surrender to their evil wishes. I will not.
Consumer complaint received 2024-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (AZ)

I opened an account online with Citibank on XX/XX/XXXX. I made a deposit to the account. When I called them in XX/XX/XXXX, I was told that they were sending me a letter in 7-10 business days. I waited for the letter and never got. I called back to inquire about the letter and was told that they have to re-send the letter with a reference number that is needed to service the account. Waited a month for the letter which never came so I called back again to be told the same thing. I have called every month for the past 6 months about this account and the letter that I never get. I called today ( XX/XX/XXXX ) and was told that they have to send this letter to me in order to help me with this account. I explained that Ive never gotten the letter and havent gotten it in 6 months. I requested to close the account and was told that they couldnt do that and they were going to end the call because they would probably be sending me a letter about the account. All of my calls are always routed to an XXXX country and when I asked to speak to someone in the US, I was transferred to another rep in the same country.
Consumer complaint received 2022-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX XXXX  Account number : XXXX Open Date : XX/XX/XXXX Balance : XXXX {$120.00} XXXX XXXX XXXX XXXX Account number : XXXX Open Date : XX/XX/XXXX Balance : Collection {$3200.00} XXXX XXXX XXXX XXXX XXXX Account number : XXXX Open Date : XX/XX/XXXX Balance : Collection {$890.00} XXXX ) XXXX XXXX XXXX 
Account number : XXXX Open Date : XX/XX/XXXX Balance : {$2400.00} XXXX ) XXXX XXXX XXXX 
Account number XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$2400.00} Items XXXX and XXXX are duplicate reportings with same account number. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Open : XX/XX/XXXX Balance : Collection {$1800.00} All of the companies named above violated my 15 U.S.C Section 604 A : It also states a consumer reporting agency can not furnish a account without my written instructions.

Also violating 15 U.S.C section 1692 section 805 A, States a debt collector may not communicate with a consumer in connection in the collection of any debt at any unusual time or place known to be inconvenient to the consumer.

I am requesting these negative reports be removed off my 3 credit reports immediately. Experian, XXXX and XXXX.
Consumer complaint received 2024-05-08
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: FIRST NATIONAL BANK OF OMAHA (FL)

On XXXX I requested FNBO to open a dispute for a charge where the merchant ( XXXX 's ) did not deliver the promised double rewards for a qualifying gift card purchase. Despite me requesting the merchant to issue the rewards the merchant simply closed my request without granting the rewards. I received a dispute reference number, XXXX  XXXX XXXX XXXX. However, FNBO did not open the dispute. Another issue is that FNBO is stuck in the XXXX. Their dispute process requires a convoluted menu, then a long winded phone call with redundant questions instead of an automated system where I a dispute is automatically opened and a portal is provided where I can upload information.
Consumer complaint received 2024-05-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (TX)

I am writing to request verification of a debt that has been reported to credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request verification of this debt. 

Details of the debt are as follows : Creditor Name : DSNB Macy 's Amount of Debt : {$1100.00} Date of Last Activity : Unknown I am requesting verification of this debt, including but not limited to : 1. Documentation establishing the validity of the debt.

2. Verification that the debt collector has the legal right to collect the debt. 
3. A copy of the debt purchase agreement between the original creditor and the debt collector including all the terms and conditions of the purchase agreement.

Please provide the requested verification within the timeframe prescribed by law. I understand that failure to provide verification may result in the removal of the debt from my credit report.

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-05-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (TX)

I am writing to request verification of a debt that has been reported to credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request verification of this debt.

Details of the debt are as follows : Creditor Name : XXXX XXXX 's Amount of Debt : {$1100.00} Date of Last Activity : Unknown I am requesting verification of this debt, including but not limited to : 1. Documentation establishing the validity of the debt.

2. Verification that the debt collector has the legal right to collect the debt.

3. A copy of the debt purchase agreement between the original creditor and the debt collector including all the terms and conditions of the purchase agreement.

Please provide the requested verification within the timeframe prescribed by law. I understand that failure to provide verification may result in the removal of the debt from my credit report.

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-05-01
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (FL)

I was living in XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX for 2 years and for last month to moving out they overcharge me from rental. I was complain to XXXX XXXXXXXX why they charge me too much? and the manager XXXX XXXXXXXX is XXXX told me if I not agree and she will report me and I will not able to rent anywhere ( she threateing at the office ). it was have another worker hearing that too but they quite. XXXX XXXXXXXX sent me to National collection debit {$3800.00}. I call the National collection to negotiate payment {$300.00} /month and tell them please remove disputed from credit report but they refuse to do that. 
It hurt my credit report, I can't apply for rent or mortgage loan and I'm struggling. 
I called the XXXX, XXXX, XXXX please remove all negative dispute from my credit report and they refuse to do so. 
I don't know what to do. Please help me.
Consumer complaint received 2024-03-27
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: FIRST UNITED BANK AND TRUST COMPANY (TX)

I applied for a Modification on or around XX/XX/XXXX. I received the application and returned all requested documents on XX/XX/XXXX. I called on XX/XX/XXXX and was advised all documents were received and that the file was in underwriting. I asked on that call for a complete application letter and advised that was something they no longer provided. I called back on XX/XX/XXXX to check the status and I once again assured all documents were received, the file was in underwriting and I should expect a decision in 30 days. I placed another call on XX/XX/XXXX and was once again assured that underwriting had everything they needed and just to be patient as they still were within the timeframe to decision my modification. I called once again on XX/XX/XXXX and the same message was relayed to me ; your file is complete and we are waiting on a decision from underwriting. On XX/XX/XXXX I received a XXXX  package that included a decline letter for XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Loan number XXXX. I called XXXX XXXX XXXX  XXXX to advise them of this error only to be told my modification had also been decline due to an incomplete package received. The agent I spoke with confirmed from the company notes that my file was deemed complete and they had to issue a decline letter because they were shorthanded and a decision had to be made within the 30 day timeframe. Ive worked hard to buy this home, have raised my children here and have fallen on hard times and I do not want to lose my home. My request is that my review be reopened and given the proper opportunity for review.
Consumer complaint received 2024-05-08
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Holloway Credit Solutions (AL)

I requested an application for assistance with my medical bills. The hospital sent me a financial aid application. The account was sent to collections AFTER I requested assistance. Also, from what I can tell, the account was sent to collections a few days after I received the financial aid application in the mail. 

I have been contacted by the agency as well. The agent COULD NOT tell me who it was sent from or any other information. The only thing she told me was who she represented and an amount owed.
Consumer complaint received 2024-05-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Early Warning Services, LLC (FL)

My issue is mainly with Zelle, to some extent XXXX is a related party but they tried everything in their power to help, and are unable to due to the account being closed with them. 

I had a XXXX online banking account. I also originally had a stand alone Zelle account. I had transferred this Zelle account to work with XXXX, but I had unfortunately done this after XX/XX/year>, which during the time XXXX with Zelle had increased fraudulent activity, causing all XXXX  accounts made/Zelle accounts linked after XX/XX/year> to have those linked Zelle accounts restricted. The issue never really resolved itself in my case. Many back and forth calls at the time of the issue, and recent back and forth calls, and neither Zelle nor XXXX are able to help. In the case of XXXX, they did everything in their power to help, but were unable to due to the account with them being closed. Zelle on the other hand constantly tells me to contact XXXX, even after explaining that there is nothing XXXX can do. At this point I really just want my information removed from Zelle all together but they refuse to even do that because of the restriction reported by XXXX, with which I don't have an account and therefore have no way to get resolved on their end. This is an issue that has affected many, and I'm not sure if it was ever resolved for anyone.
Consumer complaint received 2022-08-14
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: NAVY FEDERAL CREDIT UNION (NY)

This company is reporting on my XXXX report. I disputed this and XXXX said that this was verified as accurate. I did not authorize this. According to 15 USC 1681b ( a ) ( 2 ), I did not give NAVY FEDERAL CU written instruction to pull my report. Please send me proof with my written instruction and signature proving that I gave this company permission to obtain my report. I have a right to privacy. If you cant provide proof it needs to be deleted immediately. I am requesting {$1000.00} for violation of my federal consumer rights. 

Company : NAVY FEDERAL CU DATE OF INQUIRY : XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (FL)

I signed up for a TD account offering a {$300.00} bonus for direct deposit requirements being met. I opened the account through the " Get Promotional Offer '' link. I have attached a screenshot of the offer. I fulfilled all requirements for the bonus, including direst deposits from my employer. However, TD has not awarded the bonus. This is a bait and switch scam.
Consumer complaint received 2016-05-17
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Fenton & McGarvey Law Firm, P.S.C. (CO)

My wages are being garnished for a debt that has expired statutory limits by a law firm that I have never heard of. Garnishment has never been filed with the XXXX Court as presented.