davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. ()

I opened a Checking account ( # XXXX ) at JP Morgan Chase and got a Credit Card ( # XXXX XXXX XXXX XXXX ) in XXXX XXXX. Just after a few days these were terminated without any motivation. 
I was not, so far, able to find any explanation in the termination letter, at the local branch ( they told me that there were plenty of other banks and I should not have any problem to get a credit card from another institution ) or on the phone. I wrote a letter to the Chase President but  did not get an answer. 
As, if I did something wrong, I obviously need to know why, I would like Chase to let me know the reason of the termination.
Consumer complaint received 2017-08-29
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: TrueAccord Corp. (TX)

We have been retained by XXXX XXXX XXXX for a limited amount of time to help you resolve your late balance of {$770.00} with a default date of XXXX XXXX, 2016. XXXX XXXX XXXX sent us your information in order to collect this overdue balance. 

We request that you make a payment and resolve your balance. 

Please click here to view your payment options. You can also respond to this email with any questions. 

Regards, XXXX XXXX XXXX ( XXXX ) XXXX Copyright XXXX TrueAccord XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX
Consumer complaint received 2017-08-27
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. (ND)

I am a victim of identity theft. The following XXXX credit card account ending in : XXXX is listed on my XXXX XXXX, Equifax and XXXX credit report and is fraudulent and unauthorized, and I did n't apply for the XXXX credit card account. The account do n't belong to me. It 's a fraudulent account.
Consumer complaint received 2017-10-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

since XXXX my accounts at Chase and every account I have with other agencies has been accessed without my consent over and over, sometimes at the ATM, but mostly my Slate card and sometimes my Freedom card. I report right away and Chase gives me temp funds. then, sometimes they reverse an And take funds away, leaving me overdrawn. Usually I still have my cards and most of them now have the chip, which is NOT fraud proof according to the internet. every claim i have made is true. i would have been better off to lie and say my cards were missing. now Chase has closed my credit cards. they are maxed out anyway and my credit score is down  more than XXXX points. 2 days ago Chase also closed my checking/savings accounts without warning. my credit is ruined and i can not pay my bills. I am paying off the credit cards for items that i did not purchase. I had a XXXX in XXXX and live on my XXXX XXXX. This series of events has caused me extreme hardship through no fault of my own. in addition to all of the bank fraud my apartment has had items stolen. i very much want to move away from here, but have no money to do that. it 's a nightmare.I filed a complaint here and the answer was that they are still looking into it. I will file with the Attorney General if I ca n't get all of my funds credited. chase should have protected me more instead of calling me a liar.
Consumer complaint received 2017-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (CO)

I was the victim of credit card fraud when I received 4 unsolicited and unauthorized CareCredit cards in the mail and charges were already made to the card in the amount of {$18000.00}. Synchrony Bank did not exercise reasonable care in issuing the cards or authorizing the charges. I also believe that Sychrony Bank and/or JC Penney had a breach that they have not reported to the public ( since that is the only other business I had with them ). 

On XX/XX/XXXX, I received 4 unsolicited credit cards at my home address, one issued in my name, the other 3 issued in the names of 3 other people I do not know and who do not live at my address ( each one had a different last name and none were the same as mine ). On the same day, I received a letter from Synchrony Bank advising of potentially unauthorized charges on these cards. They also advised that because I have a JC Penney card, I " do business '' with Synchrony Bank. During the call, I closed and blocked the unauthorized credit cards and my JC Penney card. 

On XX/XX/XXXX, I called Synchrony Bank and advised that I did not apply for or authorize these cards. I was advised that charges in the amount of {$18000.00} had already occurred on XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX ( before I received the cards or notification of unauthorized fraud ). 

Synchrony Bank was negligent in issuing unauthorized cards they did not verify and in allowing unauthorized charges on the cards ( especially since the charges were made without having the cards in hand and without direct authorization from me. I also believe JC Penney and/or Synchrony Bank had a breach of personal information since that is the only other business I had with them.
Consumer complaint received 2017-08-26
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc. (GA)

Forbearance in XX/XX/2009 with XXXX student loans lost my job and struggled to make payments. XXXX offered a forbearance of which I struggled to make payments. I made full payments on time for the 6 months of forbearance and was still charged additional interest. I was never given helpful information and asked several times for my massive mortagage payment of my student loans to be reduced. They said if I did n't make payment or went bankrupt they threaten to ask my parents for the payment. I feel this is unlawful for students to better themselves and I was taken advantage of. Do I have any options?
Consumer complaint received 2017-08-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: JPMORGAN CHASE & CO. (CA)

-X/X/17. I scheduled an online wire transfer of {$13000.00} through my bank Chase, to my dad 's bank XXXX. 
-The transfer was denied and I was charged {$25.00} by Chase for the wire. An additional {$45.00} was taken by XXXX. 
-I called and emailed to complain about the charge and missing money. Chase refunded the {$25.00} wire fee but would not do anything about the missing {$45.00} taken by XXXX. 
-I asked Chase to investigate the matter with XXXX . Chase later contacted me saying that the matter would have to be resolved by myself and the XXXX. 

I am contacting CFPB to complain about Chase, as their representatives were uninterested in getting my money back. I am also complaining about XXXX XXXX XXXX as they collected a fee without my knowledge or consent.
Consumer complaint received 2017-08-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: DISCOVER BANK (CA)

Creditors ordered a judgement on me, and I have not even received from this creditor that they were put a lawsuit against me. I found out when I noticed I have no money in both my checking and savings. The monetary amounts in my checking and savings are from unemployment benefits, which is exempt. I have proof of the dates and amounts of how my benefits. I exhausted my benefits at the end of XXXX, so for XXXX weeks, I had no income coming in. As rough as this economy is, I barely found a job 5 days ago. After my XXXX day of employment ( which I have not been paid yet since I just started working there XXXX The creditors took all my checking and savings. I have no idea who they are and how much I owe, if I did I would have made an instalment plan with them. I want to file a complaint with them. They have taken out unemployment benefits from my checking and savings. They did not inform me of a lawsuit being made against me.
Consumer complaint received 2017-08-26
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: CITIBANK, N.A. (FL)

On XXXX17 an online payment was made paying off balance of {$1200.00}. I did not initiate or make this payment as I had made a payment 3 days prior. I called Citibank and reported this to be fraudulent. As my checking account is tied to the CitiBank card via their website to make paying my bill easy. The credit card account had a very small available credit left on it. Asked to speak to fraud as again I stated I had not initiated this payment and was concerned that my information had been compromised and another made payment using the bank account on CitiBank website thus freeing up credit line enabling fraudulent charges to be made. CitiBank informed me that fraud does not work that way and that there is nothing they can do as it was an online payment. My personal bank was informed, they immediately put a stop payment on this charge being presented and advised I call CitiBank back and inform them of the stop payment. 
CitiBank was notified via phone and I was informed that I would incur a return check fee, as again they did not feel this was fraud. 
I made a 3rd phone call to Citibank again asking for the fraud department, I was denied speaking to them as they deemed this payment was not fraudulent. A supervisor did speak with me, she closed my account and promised to refund the return check fee when it appeared on my account. She also stated this is not a fraudulent transaction and that she was doing this as a precaution. 
This was a potential disaster, I had to beg and insist that it be remedied. I felt it was naive to deem it nonfraudulent because it was a payment. Again my bank account information is on the Citibank website so that I can easily make payments. It seems to me if someone got my info, got online and initiated payment allowing credit limit to be restored, they could have gone out on a spending spree with newly freed up credit limit.
Consumer complaint received 2017-08-26
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: DISCOVER BANK (TX)

I have contacted Discover Financial Services and Student Loan Corporation about inaccurate information reported on my credit report. Monthly they have reported that my account is in bankruptcy, with a {$0.00} balance, and derogatory. Also this is completely inaccurate information as I have a balance that I pay monthly on time. This has caused my credit report to drop 7 points. Each time this inaccurate information has been reported, I have called and spoke on the phone several hours with specialists about their reporting errors. They claim they have done everything to resolve this issue and refuse to provide me anything in writing pertaining to their actions.
Consumer complaint received 2017-10-16
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. (SC)

I am attaching a copy of the letter I sent to Equifax on XXXX XXXX. Over two months have passed, and I have yet to receive a response.
Consumer complaint received 2017-08-27
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: EQUIFAX, INC. (GA)

I established services with XXXX in XXXX XXXX, XXXX. At the time of setting up services i chose to pay a deposit so that my credit would not be ran. Well according to my XXXX report I have a hard inquiry from XXXX dated XXXX XXXX, XXXX. They did not have permission to run a credit report and I did not give them my social security number. So how is it they were able to do a hard pull.
Consumer complaint received 2017-08-27
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: NATIONSTAR MORTGAGE LLC (OH)

Nationstar refused to discuss information on a short sale contract I was approved on to purchase.from them. Contract date XXXX/XXXX/XXXX to expire on XXXX/XXXX/XXXX. I requested an extension to close on XXXX/XXXX/XXXX because of extensive damages to the property from XXXX/XXXX/XXXX til XXXX/XXXX/XXXX. 
I was told they cancelled the offer because of the request. It states in my contract with the seller about damages when going to close. They refused to consider two contractors estimates of water intrusion and black mold clean up. The home is not habitable, It is rat and mice infested, cat and dog poop and urine everywhere, cat hair everywhere. 
Nationstar refused to talk to me even after they cancelled my contract. please help!
Consumer complaint received 2017-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (TX)

Citi double cash offered me an interest free balance transfer. 

I used the offer on XXXX XXXX for a balance transfer of {$1900.00}, transfer fee was {$59.00}. 
My purchase for that billing period was {$2300.00}. 
My statement has a balance of {$4300.00} ( including transferred balance and transfer fee ). 

I paid {$2500.00}, which is more than my purchase for the month, and cover some of the transferred balance. 

On XXXX XXXX, I received the new statement, which charged me {$16.00} as " interest on purchase '', even though as I mentioned above, I paid more than my purchase for last billing cycle. 

I called Citi and they said they will credit my interest back. However, They can not tell me where the problem was and why they fraudulently charged interest on the balance from " no interest balance transfer ''.
Consumer complaint received 2017-08-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EMCC Holdings, LLC (VA)

i have been trying for 2years to make payments with XXXX XXXX and i just keep getting the run around i have had my taxes taken garnishment and i have made payments you never get the same response when u talk with someone these companies are jusr ripping people off when a consumer is trying to do the right thing i wanted to reach out to other companies to help with my student but who do u trust as a consumers it seems as if all these companies are fraudulent
Consumer complaint received 2017-08-27
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: SUNTRUST BANKS, INC. (NV)

Dear Sir or Madam : This item XXXX XXXX XXXX/Suntrust Bank ( XXXX ) Student Loan Account is inaccurate because this account is not a joint account and was not reported on my credit report until I began making payments to the account on behalf of my ex-wife. The account was opened on XX/XX/XXXX and did not begin reporting on my credit report until XX/XX/XXXX when I contacted XXXX/Suntrust Bank at XXXX to make payments. This account was never on my credit report prior to XX/XX/XXXX. While attempting to get XXXXSuntrust Bank to remove this account from my credit, associates told me that I could not change the repayment status ( apply for deferment/hardship ) if I went back to school or had any other qualifying deferment situation. The only person who could apply for such status change is my ex-wife. This account is solely in her name, however they now list it as a joint account on my credit. 

XXXXSuntrust bank also increased the balance of the account by XXXX dollar without notifying my ex-wife which I discovered through XXXX XXXX which resulted in my credit score decreasing XXXX points. 

I have contacted XXXXSuntrust Bank and asked them to remove the account form my credit and they refused. I filed complaints with the three credit reporting agencies and I am not satisfied with the outcome of their investigations. I sent certified letters to XXXX/Suntrust Bank and XXXX  detailing why this account is not a joint account and not in my name. I attached copies of Credit Report Prior to XX/XX/XXXX ; Credit Report as of XX/XX/XXXX ; XXXX XXXX XXXX XXXX and Bill Payee Account Info ; XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2017-08-27
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: ID Analytics, Inc. (VA)

On XXXX XXXX XXXX I went to purchase a new vehicle, XXXX to me a credit reporting agency called XXXX XXXX has access to my credit report and is reporting false information and a low XXXX XXXX of XXXX. When the original XXXX are reporting accurate information. I do not trust now acknowledge this agency They report my XXXX XXXX inaccurately and caused me to not receive support from several loan agencies. To file a formal complaint or to even gain a copy of my report you have to mail in important items. They are non accessible and is reporting false information please stop them.
Consumer complaint received 2017-08-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (GA)

I was approved for a hardest hit program in ga Georgia underwater homes my award is XXXX this check was sent to ditech financial in XX/XX/XXXX to be apllied to my principal, it was applied, I am continuing to send in my regular monthly payments which are not being applied and going into a suspense account. their explanation is that the system is not updating due to the large amt from the program, my check from XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX has not been applied, even though it shows on my statement that I am not late I am getting collection letters and notices on my front door from them. when I call they say ignore the notices.no one calls me, I am calling every other day for the last month when the collection letters start coming. I am afraid with these people not knowing how to handle these programs that they have accepted and now not knowing how to process my payments I am going to go into foreclosure even though they are saying no I want. does their collection people know this, they cant even transfer you to them or they explain what is going on and not to harass the customer. this is another night mare from XXXX, I am an over age senior and think they may try and take advantage. if someone would communicate I would feel a little better. we are resolving the problem does not help me.. the amunt for the 3 months is XXXX now, they are saying just continue to send your regular amt of XXXX please help me find out why my checks are not posted to the acct and going in to suspense.
Consumer complaint received 2018-06-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc. (IN)

When current on primary residence mortgage, Seterus will refuse to accept payments.We have been constantly harassed with foreclosure on a Mortgage that has Remained current.We have contacted XXXX XXXX on Multiple Occasions to bring to their attention they claim there is nothing they can do.It takes literally Hours to make a signal payment.I would guess this is why XXXX XXXX is about to fail Again with in a couple of years time.
Consumer complaint received 2018-06-01
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: GVA Holdings, LLC (MD)

I borrowed {$500.00} from Bright Lending ( brightlending.com ) for a family emergency on XX/XX/XXXX. With the understanding some of the payment will be toward principal. I tried to log in to the account on XX/XX/XXXX to see how my payment is being applied and to obtain a copy of the contract. However, once I went into the account, I could not find any of my information. The portal will only allow me to request another loan. I called the same to day to retrieve my contract. I was told I could get the information from the portal. After several more attempts I was unable to obtain the information. I called once again and requested to have the contract emailed to me. However, this never occurred. 

I continued to pay the loan from XX/XX/XXXX through XX/XX/XXXX in the amount of {$150.00}. I called on XX/XX/XXXX to pay off the loan and was told I owe more than the {$500.00}. When asked why wasn't any of my payments applied to principal, the supervisor XXXX advised only some of my payments will only be paid to principal. I also asked her which payments would be applied as that was not specified in the contract, she stated it doesn't matter which payments. She also stated she could not pull up my contract at that time ( which also made no sense to me ). She said she would said me another contract after the call. I have not received the contract.
Consumer complaint received 2020-04-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (TX)

I have sent this company numerous emails with the information that was requested after talking with the cards customer service reps. They said there is nothing they can do at all on their side. Ive sent emails since XXXX XXXX of 2019 with my information. I hated doing this so unsecure, XXXX the asked for a copy of my DL and SS card with paystub ... I never received any formal request at all or even in the mail. They just denied me all access to my account on line and all the funds I had on the account. They still have not got back to me..I will be closing this my vanilla card and never using it again.
Consumer complaint received 2015-10-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

My identity was stolen. I filed a XXXX XXXX XXXX police report Case No. XXXX, and also a F.T.C. " Identity Theft Affidavit '', # XXXX. I submitted my notarized documents by certified mail to XXXX XXXX, XXXX, and Experian. They did not do a thorough investigation.
Consumer complaint received 2017-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (NV)

My current balance is XXXX. The amount past due is XXXX. The overlimit amount is XXXX. I have contacted them numerous times about paying them back and how I would need a payment plan or a removal of the overlimit amount. I have not received any of the requests met. I can not pay back an amount they keep tacking on monies too. I called to get a temporary card to make payments to the account directly and they sent me a card that does not even work. It does n't let me add money to the card. Then i called to ask if there was a quicker way to make payment without going into the bank every two weeks. They said no. So how am I supposed to irk with them when they wo n't work with me?