davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (NY)

Chase blocked access to my online account statements, failed to email or provide paper copies of my account statement, created a situation that made it impossible for me to pay them, then improperly reported a past due account to credit agencies, greatly damaging my credit score and causing me irreparable harm.

Background : I have had a credit card with Chase since XXXX and have a history of timely payments. For years I was able to log into my online banking account ( https : //www.chase.com ), see my statement balance, and make payment. 

This changed in XXXX of XXXX, when Chase blocked access to my online statements by introducing a new Digital Service Agreement paywall that would force me to agree to accept marketing materials and unsolicited communications regarding benefits and features in order to access my statements. I have no interest in receiving marketing materials from Chase and believe that as a paying customer I have the right to access my online statements without agreeing to be be marketed to, so in XXXX of XXXX I reached out to their Privacy Office at XXXX, but did not receive a response. It is also around this time that I stopped receiving email statements from Chase, even though I am subscribed to receive email statements every month. 

The only communication I received from Chase between XX/XX/XXXX and XX/XX/XXXX was on XX/XX/XXXX, when I finally received an email statement with my account balance and a due date of XX/XX/XXXX. I called on XX/XX/XXXX to arrange payment and paid the outstanding balance from an external checking account ( since XXXX still cant access my online account due to paywall ), but even after acknowledging that this was Chases error on the recorded line, they refused to remove the derogatory mark from my account. 

In summary, between XX/XX/XXXX and XX/XX/XXXX Chase blocked me from online access to my statements, then failed to send me email statements, and despite knowing that I did not have access to my online statements, did not engage in any mitigating practices such as calling me, texting me, sending me paper statements, or sending me paper notices, therefore making it impossible for me to see my statement balance or make payment. To add insult to injury, they have refused to remove the derogatory marks from my credit report, even after acknowledging on the recorded line that they had no explanation for why no attempts were made to contact me with statement information.
Consumer complaint received 2019-10-21
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. (TX)

I am a " documented '' victim of the 2017 data breach from XXXX. I have several inquiries pertaining to someone attempting to obtain credit. Please remove them.
Consumer complaint received 2024-01-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (AZ)

Following me filing a billing dispute for duplicate payments my monthly payment was attempted to be withdrawn from a saved account I had not selected for payment. After the second attempt I confirmed with my credit union that the payment scheduled on XX/XX/XXXX was never presented for payment as instructed using the customer portal. 
On XX/XX/XXXX I phoned Synchrony to find out why the provisional credit was reversed from my account and the agent informed me that my account had been closed due to returned payments. 
I used this account daily ; I paid the balance off monthly. After filing one claim for a debit which was processed twice my payment instructions were ignored and payments were attempted to be withdrawn from another account.

I have never missed a payment, carried large monthly balance which was paid off monthly. I believe there is a problem with your portal not retaining customer selections on which account to withdraw funds from. Instead of calling a loyal customer you close my account without notice leaving me embarrassed as I am told my transaction is declined. I still have no information on the claim I filed or indication what the final outcome was.
Consumer complaint received 2024-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (AL)

On XX/XX/XXXX my card was used in a totally different state and city than where I reside. They charged {$820.00} to my account for a XXXX XXXX XXXX. I contacted the hotel and confirmed the reservation was not in my name. Also, I submitted documents to Chime Bank to show my whereabouts at the time of the fraud. They still denied my claim.
Consumer complaint received 2019-05-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (WI)

When I've made extra payments on my loans, it never goes to the principal amount. I have two ( 2 ) loans with them. I have asked them to separate them so I can receive separate statements. They told me they are unable to do that.
Consumer complaint received 2019-05-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (FL)

This is my 3rd complaint against my mortgage company. We were hit in the Florida Panhandle by Hurricane Michael in XX/XX/2018. We have a fence and a roof. Nothing more! Here we are with a portable storage unit in our front yard, awaiting a roll off dumpster and a contractor who was ready to start work on our interior. We are quickly approaching hurricane season, are trying to move out of our home that we have worked so hard for with our kids and looking for places to live which is near impossible. We were low balled by our insurance company and done just as most did. We hired a public adjuster with the agreement they receive 10 % of whatever they get us extra. Now we are being told that we have to pay out of our pocket for the public adjuster instead of the mortgage company issuing a check to them for payment. Had it not been for them we would have never been able to fully fix the home. So our mortgage company gained another XXXX so that we could make all of the repairs .... only because we hired the public adjuster but they arent willing to pay the invoice sent in from the public adjuster. This is XXXX ... we have been in direct contact with a " Supervisor " XXXX and she has tried to help. We simply do not have over XXXX to pay out of pocket given our circumstances. If we have to pay for the additonal money that our adjuster got for us then shouldnt we have the money and not the mortgage company? It seems the only aid we have gotten is quoted protocols. These people arent in our shoes and we are beginning to get very frustrated for a lack of better words. The amount of money they will issue at a time won't even cover the cost of the supplies needed to start the job and the materials have skyrocketed due to the demands. Also while we fight day in and day out with this mortgage company while trying to maintain our jobs and be parents to kids in school, where is the interest going that they are collecting on our insurance money that we are having to literally beg for. We have been told its going into escrow and have asked for something showing that but yet still nothing. We need help here! These mortgage companies are putting us in even greater danger by not getting the ball rolling to have repairs made before another hurricane comes along. This is our lives we are talking about and we have sacrificed enough. Everyone is passing the buck and its time someone takes charge. I dont want a simple extension of a supervisor at this point. I want to be contacted by the higher ups of those said supervisors. We are very disappointed in the way things have been handled since this company bought our mortgage shortly after the hurricane. Disgust is what I feel for them at this point and that is putting it nicely. I wouldnt dare recommend FLAGSTAR BANK TO A SINGLR SOUL! STEER CLEAR OF THESE PEOPLE BECAUSE YOUR BEST INTEREST ISN'T WHAT THEY ARE LOOKING OUT FOR!
Consumer complaint received 2016-02-15
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (CA)

I would like to close my Paypal account, " XXXXXXXXXXXX ''. I received email from Paypal that " After reviewing your account, we have decided to close it because of security issues. '' Paypal stated " funds have been withdrawn/transferred out of the PayPal system to a bank, online bank, ATM or prepaid card. '' They are incorrect. After speaking to a customer service representative today, I was told I could not withdraw my funds for 180 days. However, this is not satisfactory, since I have no outstanding transactions and would like to receive the full balance immediately.
Consumer complaint received 2024-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MO)

I asked MOHELA my lender more about my missed payments on my 2 student loans why it keeps changing and why or if they can remove the missed payment from my credit report now that I pay on time payments and have for months I need them removed from credit.

So I received a disclosure statement saying they would relieve me for a give me disbursement for on 1 of my 2 loans both from MOHELA both unsubsidized loans from XX/XX/XXXX to XX/XX/XXXX {$1700.00} on the loan of XXXX and {$990.00} on my second loan for XXXX for dates XX/XX/XXXX to XX/XX/XXXX. Tried to message them to at least see about removing missed payments on my credit report and got no response and also am wondering why I was never granted the disbursement for the loans as well? I have screenshots and pictures as proof as well.
Consumer complaint received 2024-05-06
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC. (GA)

Thousands of students were scammed by Navient into taking out predatory private loans to attend for profit online schools such as the one I attended, ( The XXXX XXXX XXXX XXXX ). 
As a matter of fact, The XXXX XXXX and their Parent company, XXXX were investigated by the attorneys general of several states and have been found to have acted in a fraudulent manner. 
Because of the numerous claims of fraud and misconduct perpetrated by The XXXX XXXX, the XXXX XXXX has just announced a blanket discharge for anyone enrolled at XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. 
My XXXX loans in the amount of ( {$31000.00} ) were discharged and my credit repaired. 
I am aware that Navient was sued by XXXX state AGs regarding their predatory loans to attend these XXXX XXXX schools and that Sallie Mae/Navient were a " preferred '' lending company in a " deal '' with these schools during the early XXXX 's. 
These private loans with a high risk of default were part of a package deal offered to " XXXX XXXX XXXX XXXX XXXX', but loans made to students in states outside of the agreement, or those who were not in default for XXXX months or more during a " specific '' time frame, were excluded. 
I am sure this was a big win for Navient, but what a sham of a settlement deal for the rest of borrowers scammed into taking loans to at least XXXX XXXX XXXX XXXX  schools. 
After the XXXX settlement, didn't Navient also get out of the XXXX student loan business due to scrutiny from lawmakers and borrower advocates? 
Didn't Navient have to pay restitution to the XXXX student loan borrowers for not informing students of IDR/IBR payments students could have enrolled in, but instead steered toward forbearance? 
Furthermore, hasn't Navient been sued at least a half dozen times for other predatory loan practices and illegal collection practices? 
I am also aware of a " pilot '' program by which Navient is sending out " applications '' to select students who may have filed XXXX XXXX claims against their schools and were approved. 
This application is a sham. 
Why do we need to prove anything? 
Navient knows who we are. 
Under the FTC " Holder Rule '' Navient is liable for giving predatory loans in connection with XXXXXXXX XXXX  schools. 
Time is running out for Navient to do right by students who were scammed into taking out private loans to attend XXXX XXXX XXXX  colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. 
XXXX XXXX XXXX has sent a letter to Navient 's XXXX asking to discharge these loans NOW! It's time Navient do the right thing and discharge all these predatory private loans made to attend XXXX XXXX XXXX schools NOW! 

Link to XXXX XXXX Letter : XXXX XXXX XXXXXXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX
Consumer complaint received 2019-05-21
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: JPMORGAN CHASE & CO. (CA)

onXXXX XXXX odf XXXX Chase decided to tell the credit bureaus that my account was in a bankruptcy. This violates section 15 U.S.C. 2 1681 c [ a ] [ 1 ]. This can not be repoerted with any mention of a BK. They have also erased my pay history, even though i paid the for 13 years. This hurts my credit and it is violating the federal rules.The BK was filed over 10 years ago.
Consumer complaint received 2015-07-30
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivable Management Group, Inc. (GA) (FL)

I am XXXX, I request reasonable accommodation to submit past due medical bills to my insurer ( medacare/XXXX ) I can not understand the process, please inform my debtors to submit a bill to my insurance company directly, not me, and to remove the debt from my report
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (FL)

LexisNexis and XXXX continue to report incorrect names and addresses that do not belong to me. My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX any other name or address is not correct and should be deleted to comply with federal law. 

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2024-03-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC (TX)

I have been convinced to invest in XXXX currency by showing me great return which I thought will help my family! 

I only realized the scam when I tried to get my money back and was asked to pay a lot of fees in order to get it and was never able to recover any funds! 

In all, I lost $ XXXX XXXX filled a IC3 complaint with the FBI as well as with XXXX Police Department I have asked a company to trace the funds and I will love to attach a file with all the information but it's bigger than XXXX
Consumer complaint received 2020-10-11
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I went online to my Bank of America prepaid account given to me by EDD for my unemployment and noticed that {$740.00} was fraudulently taken out of my account. It said it was an ATM withdrawal even though I didnt understand how that is possible since I had possession of my card the entire time. I immediately made a dispute with Bank of America and was told to wait 5 days for them to investigate and credit my account back. Two weeks later I called to inquire and they said they mailed me out a letter stating that they closed my card account and would not be refunding me my money since they noticed suspicious activity on my account. There has been no suspicious activity and I feel that they did not do a thorough investigation because if they had then they would not have made this decision. They have nothing to justify that my  account was fraudulent. I was even advised by them to wait until they make an investigation to make a police report so they can look at the camera at the ATM. They refuse to return my money but if they had smear footage on the ATM where money was taken they would clearly see that it is not me.
Consumer complaint received 2024-04-23
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: CLGF Holdco 1, LLC (AR)

Attempted twice now to dispute the amount but company just sent the same notice that they intend to sue if the debt is not paid. Made a payment on the account and filed a complaint with Consumerfinance.gov as they will not allow me dispute violating the Fair Debt Collection Practices Act. Received another letter following the report that another payment is required or they plan to send to an attorney which I believe is retaliation to the complaint as I already Made a payment this month on the XXXX while I was attempting to dispute.
Consumer complaint received 2024-05-08
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO. (AR)

On my Chase card, I have over XXXX Limit. 
Card was maxed, I paid XXXX then XXXX ( used the card some ) then paid another XXXX all within XXXX  months They lowered my limit to what I owed impacting my XXXX XXXX and credit to debt ratio making all efforts I did to rebound my credit fail. This to me is a predatory action, I paid over {$8000.00} is XXXX months and now they reduce my line after getting my money and the impact to my credit will take more months to resolve.
Consumer complaint received 2024-01-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Neon Newco Corporation (SC)

My husband died on XX/XX/. Several days later I called them to tell them he had died. They closed his account immediately, while I was still on the phone to them. There is still approximately {$340.00} left on his account. I asked them to let me transfer his money to my account at that time. They said they would not do that until I sent them a copy of his death certificate and a statement of his estate from probate. I told them there was no need to go through any probate of his estate because there were no assets to be distributed except the {$340.00} in his account and there was no one claiming assets because there weren't any assets. He did not have a will. They insisted they needed those two things, a copy of his death certificate and a statement of his closed probate. 

Since then I have repeatedly talked to customer service and they repeatedly tell me they need a copy of his death certificate and a statement of his closed probate from the.probate office. I have emailed them a copy of his death certificate months ago but they simply won't give me his remaining balance of approximately {$340.00} unless they get a statement from probate. His estate consisted of nothing. I can't open probate with no assets. So they will not give me the money left in his account with them.
Consumer complaint received 2024-05-03
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: CITIBANK, N.A. (OH)

On XX/XX/XXXX i received a text from Citibank notifying me a fraudulent activity. I canceled the card. A new one was issued and submitted a dispute. Because I was honest and said the card was in my possession, which it was theyve determined that I made these charges. The charges were not made near my home and I have not used the credit cards since XX/XX/2023. Because I was honest and said I had the card in my possession. Theyve determined I made these charges. 

I will pay the charges because I dont want them reported to our credit reporting agency, but Citibank is wrong. I did not make the charges and theyre the ones that notified me of them. Please give me back my money.
Consumer complaint received 2024-04-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY (GA)

For approximately 6 months XXXX  attempted to do a loan modification with Wells Fargo when I lost nearly 20 % of my income. I submitted paperwork on several occasions. However, I never got responses or replies in the replies and is responses that I would receive was no progress made. The representative I was working with kept being changed came to the point that I ended up having to file bankruptcy because of my financial situation. However, I have contacted Wells Fargo why I have not been compensated through the class action suit in. They indicated they didn't identify me as an affected party. This type of behavior by Wells Fargo falls in suit with how they have done business for years
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AR)

On XX/XX/2024, I mailed a first class letter to Equifax to request the names, phone numbers, addresses and all other documents that were used to verify the accounts on my credit report that were recently investigated. By law they require to furnish this information within 15 days of request after their investigation. Equifax received my request on XX/XX/2024 but refused to send me this information. They are in clear violation of my rights as a consumer.