davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-11
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (AL)

Rocket Mortgage offered me a forbearance in XXXX under COVID Relief. I had no knowledge of the program until they informed me the loan was a VA loan and I eligible. They were aware I was a successor and Executive of the Estate as my sister passed in XX/XX/XXXX. They had approved me as a Successor in XXXX. They spoke with me every month from XXXX, approving me for continuance each month. They gave me a list of options prior to starting the forbearance. At the end I selected the rent being placed at the end of the mortgage. I use this time to make many repairs as I was using the home as a transitional home for XXXX Veterans. When I selected this option, they informed me that they had mistakenly approved me and demanded the 12 months payments in full. At that time it was approximately {$27000.00}, they refused payments demanding full payment and since that time they have tried to foreclosed and increased fees to {$54000.00}. They had the property appraised over 80 % of the value informed me I couldnt short sale because I had too much equity, which was false. I put the house on the market based on their false value from XXXX to XXXX, I couldnt sell its it was overpriced. After debating this appraisal, which no one ever visited to see the property, the sent out s second appraiser in XXXX. The house was only valued at & XXXX compared to their appraisal for {$480000.00}. I disputed the foreclosure in XXXX, but still being charged the fees. They said they would work with me after the second appraisal ; however, they had started the foreclosure and scheduled it for XX/XX/XXXX. Their predatory schemes has caused me pain and suffering. Their mistake will cost my sisters grandchildren to lose their legacy. When I call them, I am being misled snd misinformed. They should honor the agreement that was signed. They have been misleading, misrepresenting policy and unfair. I dont feel like I should lose the property based on their mistake.
Consumer complaint received 2021-09-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (TN)

Chime closed my account without notice on XX/XX/XXXX. I could not reach them on the phone because I was not a customer anymore. After two weeks of emails back and forth i still have not received tracking information for my refund check. I have confirmed my mailing address three times. They owe me over XXXX $ and they are dragging their feet getting it to me. I have incurred credit card fees for canceled payments that I had no control over. I am racking up bank fees because I cant pay my bills. The sudden closure almost caused that weeks paycheck to be sent back. I was barely able to get my direct deposit switched in time. I had just worked two 60 hour weeks in a row to get ahead and now I am more behind than I was.
Consumer complaint received 2021-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 
Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) Account Name : XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$180.00} Account Name : XXXX Account Number : XXXX Account was opened : XXXX XXXX, XXXX Account Balance : Account Name : XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : Account Name : XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance :
Consumer complaint received 2021-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: WELLS FARGO & COMPANY (TX)

I apply for XXXX credit card and they forgot to call me according the federal law and I called on XX/XX/XXXX to check the status on my application and I was told to send in a full bank statements three months worth tons of pages and cause more money out of my pockets if I was to do this then well fargo need to reimburse me this is too expensive and sending fax can cost me a fortune and I cant afford that would like another verification instead of sending tons of paper to the bank
Consumer complaint received 2021-07-06
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (WI)

I am on a loan forbearance until XX/XX/XXXX. I applied for Loan modification on XXXX. I never missed a payment until XX/XX/XXXX. I went on forbearance in XX/XX/XXXX as I had a job loss. 
I have sent document after document to this financial company. I have never talked directly to my appointed loan representative. I can not afford the {$11000.00} to bring my loan up to date. I want to keep my home and begin making lower payments but I can not talk to anyone at my bank about this. 
I have had my home remodeled and it is worth significantly more than I paid for it or what I owe on the home. 
I had to file for bankruptcy and was waiting on an reaffirmation agreement from this bank. My bankruptcy was dismissed in XXXX of XXXX. I never received that agreement. I want to keep my home.
Consumer complaint received 2021-09-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

XXXX XXXX is reporting the account that I had with them inaccurately. Equifax is reporting that the account opened on XX/XX/XXXX which is a relatively minor issue as I read through my report I noticed that the date the account was last paid is documented as XX/XX/XXXX per their records mailed to me however on my credit report it reflects the dates XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( Equifax ) which is another inaccuracy. The terms according to our agreement is a 72 month contract however on my credit report it states that the terms are 74 months. The worst part of this inaccurate reporting is that the balance according to their record is {$8700.00} as of XX/XX/XXXX but they are reporting a balance of {$9800.00} on my credit report. Clearly this account has some issues and needs to be audited, however, as of today I simply request that they remove the account from my credit report. I have tried to resolve this issue with the credit bureau 's in which I did not receive response.
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma (AZ)

I saw that on or around XXXX, I saw a lot of pre-approvals on credit karma. At first I didnt pay it any attention but, credit karma kept sending me all sorts of pre-approvals telling me that I was pre-approved for credit cards, personal loans and that I can refinance my car. Every day I would see these offers ever time I logged in to check my credit scores. So after a few months of being told that I was pre-approved, I thought I was now in the perfect place to apply. I go so many offers thru credit karma I started telling my family about vacations and investments that we were going to use these pre-approvals for. So I finally applied on or around XXXX at least XXXX times within that timeframe, but I got denied for credit cards, personal loans and other offers. I was disappointed and heartbroken. Credit Karma told me I would be approved but, it was all a lie. They violated FCRA and my consumer rights.
Consumer complaint received 2021-07-28
Product: Student loan — Private student loan
Issue: Getting a loan — Problem with the interest rate
Company: SLM CORPORATION (NY)

Sallie Mae approve me as a co signer@12.5 interest on both variable and fix rate for $ XXXX for 1 year with monthly payments over {$540.00} for 144 month. My son may need this loan for 4 years meaning $ XXXX with payments over {$2200.00} monthly after he graduates. I called them and they said thats a system approval and nothing they can do. My credit is over XXXX and their advertisements shows rates from 1.5 percent. How my son will pay this amount after graduation. This is not right. We are setting my son to have stress to make this payments. This is predatory XXXX XXXX  when you set up an individual for failure.
Consumer complaint received 2021-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (GA)

I have had 3 charges from company XXXX of XXXX charged to my citibank checking account in error on XXXX XXXX XX/XX/XXXX and XX/XX/XXXX. I advised the company to take one bill of XXXX which I had in arrears and asked them to cancel the account. The company went on to charge me in XXXX, XXXX and XXXX. I contacted the bank to dispute the 3 charges at the same time. the bank then created 3 separate cases XXXX, XXXX, and XXXX. I received paperwork from the bank to fax documentation to the bank on fax number XXXX which i did on 4 different times. Using the reference number they gave me for all 3 cases R # XXXX I faxed a letter explaining what happened with all my required info and email conversations with me and the vendor advising them to only take 1 payment and cancel my subscription. The bank initially provided temporary credit for all three charges. A few weeks later the bank sent me documentation that they have no received any documents requested, I called in and spoke to a rep that gave me the XXXX number to fax the info again, which I again faxed. The credits were then reversed advising that documentation wasn't received and the cases was resolved in favor of the vendor. I called back and spoke to supervisor XXXX who advised me docs were received on XX/XX/XXXX but only applied to case XXXX, He also advised that fax # XXXX was not working and gave me fax XXXX which i then resent all the docs again and they were received. I need the bank to replace these charges back to my account i did not authorize them and I have provided documentation of my conversation with the merchant proving this.
Consumer complaint received 2022-08-24
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: Army and Air Force Exchange Service (TX)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  bank Account Number : XXXX XXXX XXXX XXXX 15 USC 1681 SECTION 602 states that I have the right to privacy 15 USC 1681 section 604 A section 2 : states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-07-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC (AZ)

Please note I established an account with Gemini XXXX XXXX ( https : //www.gemini.com/ ) on XX/XX/XXXX of this year. 
Once the account was setup I have not received any confirmation emails and after further checking I realized I must have misspelled my email address at the time of registration. 
The first time I contacted Gemini was one day after registration on XX/XX/XXXX asking how the issue could be resolved. 
Since XX/XX/XXXX it has been back and forth with Gemini requesting I send a message from the email I registered with, which I obviously can not due since I misspelled the email initially. 
I have offered to confirm my identity in numerous other ways and at this point all I'm requesting is for Gemini to delete all my personal information ( substantial amount including my social security number ) I had to provide at registration from their system. 

Please note I have all email exchanges between me and Gemini customer service which I could provide if needed. 

Thank you! 
XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (IL)

I opened a business credit card ( Chase Ink Cash Business ) with Chase. The card stopped working after one purchase and I cant sign up for a mobile or online account to pay the card. I called Chases fraud department ( XXXX ), but I was still unable to reach anyone after 30 minutes. 

I dont know what to do now. I cant use my card, pay it off, create a login, etc. This also prevents me from being able to make use of their promotional offer.
Consumer complaint received 2022-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (OH)

On XX/XX/XXXX I applied for a CITI XXXX XXXX XXXX XXXX Card on the Same day I was declined for my limit increase with another Credit Card. I recently paid off a considerable amount of credit card debt the previous month. I've received numerous offers in the mail from CITI for that card as recent as XX/XX/XXXX with a personal invitation number. I applied online and was also declined. I received my letter in the mail and the reason for decline was " Too many recent inquiries are recorded on your credit bureau report ''. The adverse letter failed to include my XXXX Credit Score at the time of inquiry, which Financial/Credit Institutions are required to do. After being declined for the XXXX XXXX XXXX XXXX Credit Card, the following month ( XXXX ) I am now being solicited by CITI to apply for their XXXX  Card, which offer no rewards other than ( {$0.00} Late Fees and {$0.00} Penalty Rate ).
Consumer complaint received 2021-09-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

Formal notice that you have failed to respond in a timely manner to my dispute letter of XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

I demand that these accounts be deleted immediately or I will file litigation.I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
Consumer complaint received 2022-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (FL)

I have attempted more than 5 times to have Chase and XXXX update my credit report to reflect a status of closed along with the closing date. 

Each time, Chase and XXXX are blaming the other and my credit report is not reporting accurately which is negatively impacting my ability to secure credit and negatively impacting my family and creating hardships. 

I recently contacted Chase in Late XX/XX/2022 and the executive office said they would check/follow up with me again in a couple weeks to ensure my credit file has updated correctly. As of XX/XX/2022, no one from ChaseXXXX executive office has called me back. I called Chase again on XX/XX/2022 and left them a message an d I was told my account manager/representative named XXXX would call me back but she still has not called me back to resolve this issue.
Consumer complaint received 2022-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

I am a XXXX individual whereby I receive my income once/mo at the beginning of the month. My credit card was opened in XXXX  with a due date on the XXXX of every month. I requested a due date change several times from XXXX to now and was denied each time without a valid reason. My credit was perfect until the pandemic and I should not have been denied a due date change in XXXX. Therefore, my issues are as follows : The due to my XXXX check/due date conflict caused my payment to be late. Since XXXX I have been charged {$1200.00} or more in late fees and I am requesting a refund. I have requested a list of late fee charges and a REFUND and to talk to supervisors to no avail. 
BOA responds but with a letter that does not address my denial for a due date change several times since XXXX when I opened the account. I need this addressed and a refund of all late fees. Thanks
Consumer complaint received 2021-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AFNI INC. (GA)

On XX/XX/2021, I disputed AFNI, INC account on my consumer report via XXXX as inaccurate. The account showed a balance of {$680.00} and listed XXXX XXXX as the original creditor. According to Congress, once I dispute the validity of any alleged debts, I will be provided with all 5 requirements to validate the debt pursuant to federal law 15USC1692G. I never received validation. On XX/XX/2021, I contacted XXXX and on XX/XX/2021 I contacted XXXX and XXXX via telephone and informed them of the invalidated and inaccurate information being reported. I asked all involved to stop communicating and reporting for all purposes in regards to me, the consumer, because I, XXXX XXXX XXXX never directed them verbally or in writing to report or communicate anything about me. On XX/XX/2021 and XX/XX/2021 I submitted a complaint via CFPB website. On XX/XX/2021 I contacted AFNI, INC via telephone. Representative XXXX asked for my social security number to verify my identity and I replied I did not feel comfortable with giving out my social, and asked if there was another option to verify. XXXX asked me to confirm my first and last name and address, I confirmed my name and stated XXXX had an old and bad address and that I did not currently have an address. I asked XXXX for a copy of my contract and a payoff quote to be sent to me via email. XXXX replied they were a collection agency and could not provide me with the contract but confirmed the balance on the account as {$680.00}. XXXX stated they could offer a settlement offer of 45 % which would bring the balance to {$370.00} to settle. XXXX then directed me to the website ( XXXX ) and stated everything I was asking for could be found online. XXXX confirmed my account number and information I would need to login online. I downloaded the exhibit offline from the website. As of today, XX/XX/2021, AFNI, INC is still being furnished on my consumer report via XXXX. I, XXXX XXXX XXXX, never gave AFNI, INC permission to report anything to the credit reporting agency pursuant to 15USC1681b ( a ) ( 2 ).
Consumer complaint received 2019-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (VA)

On XX/XX/2019 we purchased a service with XXXX XXXX XXXX XXXX ( also known as XXXX   XXXX XXXX XXXX by XXXX XXXX ) for our group of 23 people to go to various islands and snorkeling activities out of XXXX. The bases of the dispute is that XXXX XXXX XXXX XXXX took us to 1 island only and did not follow thru with the itinerary that had been planned out. Most of the conversation was over the phone. At the end of the day with much confusion XXXX XXXX XXXX XXXX charged my card {$4400.00} for services NOT rendered. This is the cause of the dispute. I tried dealing with XXXX XXXX XXXX XXXX and they were not budging on refunding us partial payment due to not following the itinerary that had been planned. So I then went to my Credit Card Chase Sapphire Dispute Department to resolve the issue. After many, many phone calls and months of dealing with this dispute, our Credit Card has sided with XXXX XXXX XXXX XXXX word over ours on what went on that day. Basically XXXX XXXX XXXX XXXX has continuously lied about the events that day and even said they gave us a credit which was also another lie. I have spent so much time on this and can not believe that we as customers with a very good history have to deal with our Credit Card on this level. 

There was another large group lead by XXXX XXXX on this excursion who also felt they were not given what was promised. That group also disputed the charges and was refunded the money by their Credit Card company. 

On the attached PDF pages 12 -14 give details of what went wrong that day.
Consumer complaint received 2021-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (TX)

Citibank continues to report multiple accounts as charge offs and that I owe balances on them. Citibank accounts were all included in my bankruptcy case filed XX/XX/2021. These debts are discharged as of current date. These debts are no longer collectible. Yet Citibank continues to report to XXXX  I owe these debts. This is violating bankruptcy laws. You cant collect a debt that has been discharged. Failure to comply will result in a lawsuit against Citibank.