davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

In XX/XX/2022 I discovered unauthorized charges and informed bank. Bank issues new card, however unauthorized charges continued on my account. In XX/XX/2022 my bank account had insufficient funds which caused alarm. I had a substantial amount of unauthorized charges and double charges. I notified bank immediately and they replaced card and gave me provisional credit until investigation was complete. I also incurred charges after card was cancelled and I had not received new card. Soon after provisional credit was reversed with no explanation. I trusted chase bank with my money and I was robbed. Chase Bank did not raise red flags After replacing my card. Chase failed to do 24/7 fraud monitoring for unusual activity. I did not authorize XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX several charges from XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and several more. I incurred double charges from XXXX, XXXXXXXX XXXXXXXX XXXX XXXX XXXX It is an overwhelming amount of unauthorized charges. This has caused financial hardship and has been time consuming. I've reached out to bank and issue has not been resolved. I was told that credit reversal meant that bank reached a decision. I don't trust the bank and suspect that bank is responsible for the charges. Chase needs to replace stolen funds immediately and I can take my business to another bank that will protect my money. I can provide detailed information about unauthorized charges. I wasn't able to upload or attach list of unauthorized charges to this application due to file size. I can provide it upon request via fax or email.Please help me get my money back. Thank you for your time and help
Consumer complaint received 2022-11-06
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: EQUIFAX, INC. (NV)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more the seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (VA)

My problem is with CitiXXXX card. Their site has been down for a number of weeks which means I can not retrieve my monthly statements, my quarterly statements, or my annual statement. I spoke with them and they have no idea when it will be back up. I requested a paper copy of my annual statement for XXXX. It has now been two weeks and I have not received it. I need this information to file my taxes. No one there seems to be the least bit concerned about customers not being able to access their information. Arent they required to have this information available to customers?
Consumer complaint received 2022-11-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (GA)

On XXXX XX/XX/2022, I ordered XXXX trees from XXXX and received no verification of order from the company. However, as the only means of payment through the company, my credit card through PayPal was charged {$60.00} payable to a completely different compnay called XXXX XXXX XXXX with no order details, and I did not receive a confirmation of my order from XXXX. 

I filed a claim with PayPal for refund but it was denied based on their so-called investigation which stated that trees were delivered on XXXX XX/XX/2022. The trees were not delivered to me at my address. The FedEx delivery tracking number shows no name and no address and the photo of the delivery address is the back door of someone else 's house. I checked with FedEx and my name is not associated with the tracking number. Furthermore, the FedEx tracking number references XXXX items, not XXXX, described as " XXXX inch XXXX metal garden '' and the boxes with " XXXX '' logos in the picture certainly do not contain trees.
Consumer complaint received 2022-09-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

I recently filed the same complaint with XXXX. On XX/XX/2022, my family took a cruise through XXXX XXXX. We charged a photo package and a champagne/strawberry service for the amount of {$240.00}. After the cruise, we realized we did not receive any of the 3 photo packages purchased. From XXXX to XXXX, I contacted XXXX XXXX 22 times via phone and email to receive credit. When this was unsuccessful, I contacted Wells Fargo to dispute the charge. I asked for {$200.00} for credit. Instead of receiving this, Wells Fargo credited {$33.00} for the strawberries/champagne service. I did not dispute this service/charge as we received it. I was disputing the {$200.00} for the 3 photo packages not received. This complaint was # XXXX. I have since called Wells Fargo 3x. I spoke to XXXX, XXXX and now XXXX. XXXX actually filed a complaint on my behalf - # XXXX. I sent 2 emails regarding dispute to XXXX. I am frustrated that this simple transaction with all of the supporting evidence has been completely mishandled
Consumer complaint received 2022-09-01
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

In accordance with the FCRA Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate. This ground for removal they also violated my rights under below mentioned sections : 15 U.S.C 1681 section 602 A, States that I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Therefore you are requested to kindly delete my below mentioned accounts or else I will file the litigation to get deletions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2022-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Grain Technology, Inc. (FL)

Company incorrectly charged off the account after payment was already made. Before charging off the account they were reporting an incorrect balance to the credit bureas. They were constantly sending messages saying that the account was XXXX days past due even though I made the payment. A payment of {$160.00} was made on XX/XX/2022 as it was the past due amount that was listed in the app. They proceeded to send me an email on XX/XX/2022 saying that the account was XXXX past due. I reached out to them and stated that it was not past due. I did not receive a response. On XX/XX/2022 they sent an email saying that the account was XXXX past due. I once again reached out to them to inform that this information was incorrect. I did not receive a response.
Consumer complaint received 2022-09-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (MD)

Since XX/XX/XXXX I have been unable to access my Citibank Online Banking. After several calls to the Call Center they told me that my account was under review and after 60 days they were going to send me a letter stating the reason for closure and a check with the funds in the account. The review began on XX/XX/XXXX. After the 60 days I contacted them almost every day, but they do not give me an answer and the operator tells me " I have no info to give you, I will proceed to end the call ''. In some calls, I was told that I would receive the check within 5 days, but it never arrived. In other calls, I was told that they had sent me a wire transfer to the account from where I sent the funds to citibank, but it never arrived. 
My personal banker does not answer my emails and does not answer the phone. 
On XX/XX/XXXX I received an account statement saying that the checking account was closed since XX/XX/XXXX, the same day that a debit was made for " Other Withdrawal ''. The Savings account is not closed, but has a debit with the same date " Other Withdrawal ''. 
In the Checking account I had {$20000.00} and in the XXXX account {$7000.00}. 
I opened the account in XX/XX/XXXX at Citibank in XXXX, XXXX XXXX. The branch at XXXX XXXX XXXX. 
I understand that Citibank can close my account, but what I don't understand is why they won't give me back the funds I had in those accounts.
Consumer complaint received 2022-09-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (MN)

There was a transaction on my card that I did not authorize. The Charge was for {$740.00}. I called the customer service filed a dispute, closed the card and was issued a new one. The card company closed the dispute case and did not find error. I did not authorize this transaction, I pay for cc protection and a monthly fee and they did nothing to get my money back. There was fraud on my card they made me pay to get a new one expedited because my paycheck was deposited the next day so I needed the money but i had to pay {$25.00}, My info was used without my consent and I had to pay {$25.00} to get a new card that is insane. They told me to write a written response to get a provisionary credit to my account for the unauthorized amount and I did so that never happened. The case is closed now and all they keep saying is wait XXXX business days to get the investigation summary sent to my email.
Consumer complaint received 2022-09-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (CA)

I am currently entitled to a refund of {$6500.00} on the loans I paid for after XX/XX/2020 according to the CARES Act student legislation. I first emailed my loan servicer provider in the exact way that the student aid gov website recommended asking for a refund on XX/XX/XXXX. I figured they did not respond right away due to many students requesting for a refund currently so I went ahead and called them on XX/XX/XXXX. On the phone I was told that they would submit a refund request for me and I would receive my refund anywhere from 150-200 days and was also told there's a possibility I may not even get the refund. I was then expecting a confirmation email after for the refund request, but did not receive one. On XX/XX/XXXX Ed financial replied to my initial email that I had sent on XX/XX/XXXX saying they submitted a refund request for me. I found that hard to believe as I thought they had already submitted that request on XX/XX/XXXX for me during the phone call? And even if they are re- submitting a request for me, how are they doing that without first verifying my information? In the initial email I had sent them, all I had provided was my name! I think they just sent me a bogus email to shut me up. I'm getting suspicious of this loan service and I don't believe they are submitting a request for a refund on my behalf, I think they are trying to scam me. All other loan services have already refunded students their money back or at least sent them a confirmation email saying that the money will eventually return to the student, but this loan service failed to do so.
Consumer complaint received 2022-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MIDFIRST BANK (OH)

This is the second time I had an issue with this mortgage company reporting my account as delinquent. I tried both times to reach out to Midland Mortgage and neither time have they made an effort to resolve the issue. The first time, they took over my mortgage from another lending company that sent them my payment that was already made to previous servicing lender. The payment was sent over to Midland Mortgage after 30 days and I tried to explain to Midland Mortgage the payment was made and previous lender advised me not to make double payment and they reported my account past due to credit bureau. Recently, I have never been 30 days past due with Midland Mortgage and thought payment was made and when I realized it wasn't I submitted payment immediately which was XX/XX/XXXX and Midland reported me as delinquent. When I called to resolve to have it taken off in good faith they declined to offer any help. I am great at paying my bills. Their reporting caused my XXXX credit score to drop XXXX points. Account is current. I believe Midland Mortgage should be more fair to consumers in regards to financial reporting.
Consumer complaint received 2019-12-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

I do not owe this debt I request all of the following information be provided to me by mail: Documentation showing you have verified that I am responsible for this debt, or a copy of my signature with a signed contract with this company. Otherwise I asked that you remove this debt from my credit file as it is reflecting negative on my file and is making my file look bad
Consumer complaint received 2022-10-21
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: EQUIFAX, INC. (FL)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-09-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Armada Corp. (WA)

I was recently notified about my social security number being on the dark web. As such i pulled my credit report from each bureau for review. I found a debt collection on my XXXX report ONLY from a company called Armada Corp for {$250.00}. 

I filed a dispute with XXXX and reached out to Armada. Armada could not give me any information about this debt without asking me to confirm personal information about myself or account. I stated repeatedly that i do not have an account with them. They seemed more interested in getting money from me than looking into my fraud dispute. 

I reached out to XXXX and they requested i send them a copy of my drivers license, social security card in the mail. When i mentioned not feeling comfortable putting those sensitive documents in the mail the agent applied pressure by reminding me that its affecting my credit report and it will take 7 years for the item to drop off my report.
Consumer complaint received 2022-09-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (GA)

In my last communication with EQUIFAX, they responded that they verified that the accounts that I disputed were accurate. I would like to know what method of investigation was used to verify these accounts and inquiries. 

According to 15 USC 1681b any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Was a court order issued or was my written permission given? This is defamation of character and aggravated identity theft. I have attached dispute letters with the accounts, inquiries and late payments that I want removed and updated along with an ID Theft Report and an affidavit of truth. My next step will be a civil suit.
Consumer complaint received 2022-09-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (CA)

On Wednesday, XX/XX/2022, I called & requested a refund from Edfinancial for payments I made toward my loans during the pandemic. I wasn't aware that was something I could do until that day -- otherwise, I would've requested a refund a long time ago. They notified me that it would take XXXX business days to process the refund, plus an additional 60-120 business days after processing approval to receive the refund itself & have the loan balance reinstated on my account. I am a pell grant recipient & am eligible for {$20000.00} in student loan forgiveness. Throughout the pandemic I made {$7900.00} in student loan payments. I actually stopped paying because I couldn't afford to keep making payments. I needed that money then & I especially need it now.

Other student loan servicers are quoting 4-6 weeks for refund timelines. Edfinancial seems to be the only one quoting us at 6-12 months to receive our refunds. I'm requesting the refund because I need my money now -- not in 6-12 months. Edfinancial also stated that they won't reinstate the money on our accounts until after the refund has been deposited to us. Additionally, they can not send us any confirmation email or record that they sent our refund requests. This raises many concerns for me. It appears they do not want to give us back our refunds at all. I don't expect to get my money back immediately. I understand they're overwhelmed, but not providing confirmation makes me feel like they don't intend to give me my money back.
Consumer complaint received 2022-09-01
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (NY)

I received a email from Navient to call regarding my student loans. the email stated that I qualify for 70 % of my student loans forgiven. I called the company, The Caller announced herself as a employee of XXXXNavient and proceed to tell me that if I paid off {$1500.00} I could get remaining balanced forgiven. I was in desperate need to move on with my life a get my loans forgiven from XXXX XXXX XXXX. I then made arrangements to do a payment arrangement to pay off this balance. I gave my bank account information to set up payments. The next day I received a call from Navient regarding the past due amount. I told the caller I had set up a payment arrangement with XXXXNavient, Navient by student loan servicer told me this company XXXXXXXXNavient was not association with my loans and the arrangement made was not valid to get 70 % loan disbursed. The have made a withdrawal from my bank and I have since had to close out my bank account that was associated with the withdrawals. They are still calling me from a XXXX number regarding the {$1500.00}. I have even received mail form this company about my student loans.
Consumer complaint received 2019-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX is reporting a monthly payment for a charged off account also the payment status on transunion says repossession but my Equifax Payment status says charge off Please verify and delete all inaccurate accounts
Consumer complaint received 2019-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (WY)

Same issue as before, which Equifax won't address and you, CFPB, are REFUSING to investigate and hold them accountable. Are you guys drunk on the job?! When Obama was President, this organization had the consumer 's back, they worked hard, they listened to us, they resolved issues and held companies accountable - you guys aren't doing XXXX! AGAIN... I froze my credit with Equifax and they unfroze it without my authority, knowledge or the use of my PIN. And YES, I have a file with them and NO, I'm not a third party, I am me. This is the last EMAIL of nonsense they sent me and you, CFPB, signed-off on : This complaint lists someone the company does not recognize as their customer or their customers authorized representative. 

We reviewed your complaint and sent it to the company for a response. The company let us know that it cant respond because this complaint lists someone who is not listed on the account or loan or authorized to receive the consumers financial information. 

Companies are required to protect their customers privacy. Companies can not share consumers financial informationincluding as part of the complaint processunless everyone listed in the complaint is also listed on the account or loan or authorized by the customer to receive financial information. Companies can require that their customers provide signed, written permission directly to the company before sharing financial information with a third party, such as a lawyer, guardian, or power of attorney. 

What the bloody XXXX is going on? And why do you, CFPB, continue to allow them to NOT answer to their unethical behavior that they exhibited with my account? Do your flippin ' job, ask them questions, hold them accountable and resolve this! This is absolutely maddening and shame on all of you for NOT DOING YOUR JOB AND PROTECTING CUSTOMERS!