davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-27
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. (NY)

I submitted my fraud complaint in reference to two charges on my credit card with CitiBank while on my vacation to the XXXX XXXX and my fraud complaint was rejected for the following reasons ; " Our records reflect that these transactions were processed using the embedded chip in the card ending in XXXX and charges that were made before and after the disputed charges were verified as valid. In addition, the credit card was present when the transactions were completed and you confirmed that only you had access to the card. '' This is not a legitimate reason to deny my claim and there is also a false statement on this letter. The sole purpose of my trip was to attend a wedding and I have reason to believe that whoever processed these transactions took my card from my wallet and placed it back in my wallet after they used it. I explained this to the multiple fraud investigators, I also told them that during my stay in the XXXX XXXX I had no reason to have my wallet or even passport on me because as I was staying at an all inclusive hotel and had no reason whatsoever to have my wallet on me. For them to say that I " confirmed only I had access to the card '' is false. I told the investigators that my hotel had cleaning staff walking in and out at least twice a day and that alone gave them access to my card in my hotel room. 

Ive already spoken to 3 managers about this and every time I speak to one they tell me my case manager will reach out to me, but they never do. One manager even went as far to say that I shouldve kept my credit card on me at all times and thats reason enough to reject a claim. Carelessness is one thing, but if my valuables are inside a 5-star hotel room along with my other valuable belongings, one would deem their belongings safe. 

One charge was on XX/XX/XXXX for the amount of {$490.00} and another one on  XX/XX/XXXX for XXXX for purchases at a club I did not go to, amounts that I have never spent at a club in my entire credit card history which shouldve triggered a fraud warning. I only noticed these transactions when I arrived back home and saw my transaction statement. 

Also, after further research it seems the club, XXXX XXXX ( a.k.a. XXXX XXXX XXXX was part of the criminal organization and has since then been closed down. This information can be viewed on the U.S. Department of the Treasurys Office of Foreign Assets Control ( OFAC ) website. 

All in all Im unhappy at how Citibank is handled my case without doing a thorough investigation on their part. I would like both transactions and interest occurred to be refunded Immediately.
Consumer complaint received 2023-10-10
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

I am writing to file a formal complaint against Citibank regarding a recent and sudden reduction in my credit card limit without providing the requisite 45-day notice, as outlined in 1026.9 ( g ) ( 4 ) ( i ) of the Consumer Financial Protection Bureau 's regulations. This action deprived me of the opportunity to reject the change, which is my right according to 1026.9 ( h ) ( 1 ). 

On XX/XX/2023, I received a notice from Citibank informing me that my credit card limit had been reduced, with no prior communication or warning. This sudden change has not only caused immediate financial inconvenience but has also raised concerns regarding Citibank 's compliance with federal regulations that protect consumer rights in the financial sector. 

Under 1026.9 ( g ) ( 4 ) ( i ), credit card issuers are required to provide cardholders with a minimum of 45 days ' notice before any adverse changes to the credit card terms. However, I was not afforded this courtesy in this instance. This lack of notice left me with no opportunity to evaluate my options, potentially seek alternatives, or reject the change should I have chosen to do so, as granted by 1026.9 ( h ) ( 1 ).

I believe that Citibank 's actions are not in accordance with the regulations put in place to safeguard consumers like me. I request that the Consumer Financial Protection Bureau investigate this matter and ensure that Citibank complies with the established federal guidelines. I also request that Citibank reverse the credit limit reduction and provide the required 45-day notice as outlined in 1026.9 ( g ) ( 4 ) ( i ) so that I may have the chance to make an informed decision regarding my credit card account. 

I appreciate your attention to this matter and look forward to a swift resolution in accordance with the law.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: IQOR US INC (LA)

I filed an XXXX dispute in early XX/XX/XXXX  on a collection that I found on my credit report. I received a letter dated XX/XX/XXXX  from Allied Interstate , LLC a debt collector that reported a {$280.00} XXXX XXXX debt to my credit. The name on the bill and letter is not me and it belongs to someone in another state with a different address. I contacted Allied Interstate after filing my XXXX dispute. I was informed by the agent that I had to wait until the dispute process was over. I explained to the agent that the debt belongs to a different person and I wanted it removed immediately. I received the results from the XXXX dispute dated XX/XX/. The results stated, " WE VERIFIED THAT THIS ITEM BELONGS TO YOU. '' How is this possible when I never had a XXXX XXXX account and the person on the bill is a female. I filed another XXXX dispute on XX/XX/XXXX  and I attached the documents again proving I am not the person they are looking for. I contacted Allied Interstate again on XX/XX/. The rep confirmed that the address and name on the account was inaccurate. Then he stated that he can not discuss anything on the account since the account does not belong to me. I asked them to get this debt off my credit immediately. He stated that I would have to call back the next day because he did not know how to fix the issue. I contacted XXXX right afterwards. The rep told me that I would have to wait on the results on the new dispute. I explained to him that I already filed a dispute and they somewhat " Verified '' this debt belonged to me which was impossible. All he did was repeat the same thing of wait for the results and file again if I felt it was inaccurate. This is poor customer service from both parties. Both sides are reporting inaccurate and fraudulent information my credit that has impacting me for months.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Westlake Services, LLC (GA)

I recently viewed my credit report and saw an outstanding auto loan for {$15000.00}. This was not purchased by myself and was done fraudulently. I have tried to dispute this with not only the company ( Westlake Fin Services ) but with the credit bureaus as well. Still no one has been able to remove this from my credit. I dont even know what kind of car it is!! And it has never been paid on. This is putting a damper on my credit and causing an inability to purchase a vehicle for myself and a home.
Consumer complaint received 2023-10-11
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: JPMORGAN CHASE & CO. (FL)

My account with Chase was closed because I tried to make an account on my phone. The check with the money from the closed account was supposed to be sent to my residence. It has been XXXX  months and nothing has come through. I have called 4 times and went to the branch 2 times already.
Consumer complaint received 2023-10-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (GA)

The GLBA clearly states a credit reporting agency would have to be a part of an affiliated party to National credit systems in order for them to be exempt from providing me with an opt out notice before reporting my non public information. By definition in the GLBA NATIONAL CREDIT SYSTEMS is a financial institution and I am a consumer not a customer of National credit systems. And as a consumer I have a right to privacy. NATIONAL CREDIT SYSTEMS is in violation of the Gramm Leach Bliley Act and never had writtenpermission from me to report anything to me without first verifying the validity of a debt. If this persists it will fall under a violation of 18 usc 242 deprivation of rights under color of law : WHOEVER ( National Credit Systems falls under this definition ), under color of any law, statute, ordinance, regulation, or custom, willfully subjects any person in any State, Territory, Commonwealth, Possession, or District to the deprivation of any rights, privileges, or immunities secured or protected by the Constitution or laws of the United States, or to different punishments, pains, or penalties, on account of such person being an alien, or by reason of his color, or race, than are prescribed for the punishment of citizens, shall be fined under this title or imprisoned not more than one year, or both ; and if bodily injury results from the acts committed in violation of this section or if such acts include the use, attempted use, or threatened use of a dangerous weapon. I consider reporting to my consumer report as a dangerous weapon that is causing me mental and physical harm which could lead to my death. If this happens you will be liable as this complaint will be on the record. and if death results from the acts committed in violation of this section shall be fined under this title, or imprisoned for any term of years or for life, or both, or may be sentenced to death.
Consumer complaint received 2023-10-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Patenaude & Felix A Professional Corporation (CA)

Debt collection company has submitted/ started garnishment of my wages. " {$19000.00} + {$3.00} daily interest + {$35.00} sheriff fee + {$12.00} disbursement fee '' for a charge on a XXXX credit card. 
Stated on garnishment order that I was served at address which I lived XXXX  years ago. I have been a victim of identity theft. Every year when I filed my federal taxes ... The IRS sent me a secret code to file. I have lived in XXXX, XXXX, and XXXX  since XXXX. I'm presently a resident of XXXX.
Consumer complaint received 2019-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX XXXX XXXX # XXXX is reporting a late that I should not have. I have had this account for a very long time and have never been late. This late was only caused by them posting my payment wrong. This is not my fault it is their error.
Consumer complaint received 2023-10-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC (OR)

In XXXX, our loan payment jumped by {$150.00}. We had no idea this was going to happen, because we never received an escrow analysis or notice from the loan servicer. They insist they sent it to us, but we never received it. They even accused me of not checking my mail rather than try to help. 

I eventually found the escrow analysis on their website, and it states incorrect information about escrow cushions. Where it calculates the " shortage '' it says that the escrow cushion must never *fall below* 2 months of escrow payments. This is backward- it should never exceed 2 months. And yet, they seem to have done their escrow calculation based on the incorrect information, and determined that we have a shortage of over {$1000.00} to bring the escrow cushion up to 2 months. 

Except there is no requirement for this, at all. They seem to have made this determination completely arbitrarily, based on incorrect information ( not letting the cushion fall below 2 months ). See the description in the attached escrow analysis, " Determining Escrow Shortage '' heading, on the first page. 

I spoke to them about this, and they refused to make any change. They insist that it is their right to collect escrow in whatever way they see fit, even if it is apparently based on an incorrect understanding of the regulations.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Atlanticus Services Corporation (GA)

During XXXX I was out of work due to XXXX XXXX. My XXXX, XXXX XXXX and XXXX accounts were late due to no income. One we could return to work they were paid off. However the put negative statement on my report. My entice work place was shut down. My progressive also turn me over to collection.
Consumer complaint received 2023-10-06
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (CA)

I was told that there was going to be a soft credit check to qualify for a card on the site Wayfair. That was not the case. It was a hard, credit check I did not agree to this. They approve me for {$2000.00}. I am immediately told them to cancel the card. I did not want the card anymore since XXXX XXXX, send me an email stating that I had a hard credit check on my credit. I canceled the card within five minutes of being on the phone with the woman that I complained and complained why they were not being honest about what type of credit inquiry they were doing. I would like this hard check to be taken off please I did not get the credit card. I refused it. I did got approved for it but I dont want it. Please take the hard inquiry off my credit score. Thank you so much.
Consumer complaint received 2023-10-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: U.S. BANCORP (MA)

Subject : Complaint Regarding Failure to Receive Promotional Bonus Dear Customer Financial Protection Bureau ( CFPB ) Representative, I hope this email finds you well. I am writing to file a formal complaint against U.S. Bank regarding their failure to provide me with the promotional bonus promised in their email campaign. Despite meeting all the requirements specified in the promotional email, I have not received the {$400.00} as offered by U.S. Bank. 

To provide a comprehensive overview of the situation, I have attached the relevant documents for your reference. Attachment 1 outlines the terms and conditions of the promotion ( the U.S. Bank official promotion link https : XXXX was expired ). According to the disclosures of the promotion, I deposited an initial amount of {$25.00} to open and activate my account online on XX/XX/2023 ( see attachment 2 ) and I also enrolled in the U.S. Bank Mobile App within 90 days of opening my account. Moreover, Attachment 3 displays my U.S. Bank transactions, demonstrating that I completed two direct deposits within 90 days of opening my account with a total of {$6000.00} : {$3000.00} on XX/XX/2023 and {$3000.00} on XX/XX/2023, thereby satisfying all the eligibility criteria stated in the promotional offer. 

Despite my repeated attempts to contact U.S. Bank, I have not received any satisfactory resolution to this issue. I have reached out to their customer service representatives multiple times, providing them with all the necessary documentation and explaining the situation, but to no avail. It has been almost XXXX months since I fulfilled all the requirements, and the bonus has still not been credited to my account. 

I believe this failure to fulfill their promotional commitment is a violation of their terms and a breach of the agreement made between U.S. Bank and its customers. Such practices erode consumer trust and undermine the credibility of financial institutions. Therefore, I kindly request your intervention in resolving this matter and ensuring that U.S. Bank honors their promotional offer by promptly providing me with the promised {$400.00}. 

I trust that the CFPB, as the governing body overseeing fair and responsible banking practices, will thoroughly investigate this complaint and take appropriate action against U.S. Bank if necessary. I would greatly appreciate your assistance in resolving this matter and ensuring that my rights as a consumer are protected. 

Thank you for your attention to this matter. I look forward to a prompt resolution and a favorable outcome. Please do not hesitate to contact me if you require any additional information or documentation.
Consumer complaint received 2020-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (KS)

On XX/XX/2020 I requested a credit line increase which shouldn't have resulted in a hard inquiry because I already had an established line of credit with updated financial information and everything US Bank needed was provided by soft credit check. 

The bank web page is very misleading and unethical. it leads you to credit request increase link and you don't fill out any information and it automatically does a hard credit pull on your account! I tried to reach out to them to revert that and ask the credit bureau to remove it but they declined citing a piece of paper they sent me when I signed up for the credit card years ago?
Consumer complaint received 2023-10-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (PA)

Applied for SAVE student loan program 21 with Nelnet via phone as they stated there was an issue with my Studentaid.gov application. I submitted required documentation via the email they provided on XX/XX/XXXX. No response. After several failed attempts to contact Nelnet, I called and spoke to a representative on XX/XX/XXXX and they provided with a different way to submit my documentation. Even though the first email was legitimate and they had no idea why it wasnt received. Still awaiting approval. They put me in forebearance. Because I am switching from my previous IDR plan to SAVE, my outstanding interest is added to the loan I specifically applied in XXXX to avoid a large balance being added to my account. Due to Nelnets inability to process my application, I stand to have thousands added to my total balance. I did my part. I was timely. This is my debt going up and will impact my debt to income ratio due to their lack of accountability. I can not complain to nelnet as they are impossible to reach for that purpose ( calling results in disconnection when stating you are calling to file complaints ) and they respond to all emails with we are too overwhelmed, please call. This is such a mess and I am only losing even though I did exactly what I was supposed to. Thousands added to my loan because they just are too busy. Please do something. Please help.
Consumer complaint received 2020-04-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: States Recovery Systems, Inc. (CA)

I was notified that a collections account from States Recovery System was put on my credit report back in 2017. I immediately disputed with the credit agencies indicating that States recovery system was in violation of my rights. Specifically, Articles 2.1, 2.2, and 2.3. Later, I wrote 2 letters to States Recovery System via US mail to request a copy of when I was first noticed, when the charges took place, the amount, the person who authorized the service, and a copy of any documentation that the account was valid. I received nothing. More importantly, I never heard from anyone via mail, phone, or anything else within 5 days of them placing this on my credit.
Consumer complaint received 2020-04-27
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. (CA)

Navient has been incorrectly applying my overpayments for years. After months of trying to rectify the situation, Navient had me go through an online process. Payment was made on their website and no error message appeared. 

The next month Navient charged me a late fee. The payment did not go through due to a technical issue on their end. 

As far as the overpayments, I have requested that the overpayments go towards the account with the lower payment. Navient refuses to apply the overpayments to the account at my direction. 

While trying to rectify this situation, Navient falsely represented that they reversed the improper charges. 

Bottom line is Navient is illegally charging a late fee and not crediting the appropriate account with the overpayments.
Consumer complaint received 2020-04-27
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: Experian Information Solutions Inc. (NC)

I sent in requests to investigate errors on my credit report over 30 days ago, but I have not yet received the response. They were supposed to respond within 30 days, but they have not.