davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (GA)

I transfer in {$1500.00} on XX/XX/XXXX. In XXXX and XX/XX/XXXX statement, the ending balance is over {$1500.00}. So I thought I should not get any monthly service charge because my balance is over {$1500.00}. 
I did not get any paper statement. I did not login to check my account until this XXXX. I found I got charged {$12.00} every month, total near {$300.00}. 
I called Citi bank on XX/XX/XXXX, I was told that she could not see my XX/XX/XXXX balance. Then transfer to supervisor XXXX. He told me same, he could not see my XX/XX/XXXX bank statement. He could not help me much because they could not get my balance in XX/XX/XXXX and asked me to go to local branch, although I was able to see my XX/XX/XXXX bank statement online during the call. There is no Citi branch within 200 miles of my place. 

I have XXXX begin balance and end balance in XX/XX/XXXX. Then I got $ XXXX  monthly service charge every month since XX/XX/XXXX. I did not know it because I have never gotten a paper bank statement. 

I got 2 monthly fee refund on XX/XX/XXXX. 

I transferred in {$300.00} on XX/XX/XXXX, bring my balance over {$1500.00}, so I should not get any monthly service charge. 

I checked again on XX/XX/XXXX, I found I still got monthly service fee on both XX/XX/XXXX and XX/XX/XXXX. Glad I transferred in extra money to make my balance is still over {$1500.00} after the $ XXXX   monthly service fee, otherwise I would keep getting charges. 

I called Citi bank again on XX/XX/XXXX, they tried to waive my two monthly service fees and got declined. Then the phone was disconnected when I was waiting for talking to the supervisor.

The bank statement was really confusing and the bank kept charging  me even my balance is over their minimum balance requirement to waive the monthly service fee. They could call me, or send me a paper statement, rather than keeping charge me. 

Please waive all of my monthly fee over since XX/XX/XXXX. 

Thanks
Consumer complaint received 2020-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

I deposited a check using credit funds from a different bank ( i.e., XXXX ). These cash advance checks were sent to me by XXXX. I had approximately {$15000.00} of credit remaining on my XXXX Account, so I wrote a check for {$5500.00}, not knowing that my " cash advance '' allowed amount was only around {$1700.00} ( there was NO information enclosed with the checks that they sent me stating this ). Consequently, the check did not clear. I phoned XXXX and spoke with a customer service agent who informed me ( erroneously ) that my cash advance amount was only {$5200.00}. So I wrote another check for {$4900.00} and deposited it again to my Fifth Third Bank checking account. Once again, the check was returned by XXXX. Today upon phoning XXXX I spoke with a supervisor ( name : XXXX ) and she disabused me of the previous erroneous information that I was provided. She informed me of the {$1700.00} limit, apologized, and refunded all charges associated with the return of the two checks. Almost immediately after the first check was not honored, Fifth Third LOCKED my account!!! Now hear me : this is an account that my Social Security checks are directly deposited to!!! I have phoned Fifth Third several times. Spoke with a customer service person named XXXX, even met with her once in person. She was very personable and has tried hard but has been unable to resolve this. I believe that the manager of the branch ( located at XXXX XXXX XXXX XXXX, XXXX, IN, XXXX ( must be quite intractible and wholly unappreciative and irrational. I have been banking at this branch for YEARS and have paid them hundreds of dollars annually in fees, etc. To treat me like this is far below what I have experienced at any other bank OR AT THIS BANK previous to her tenure as bank manager. Pretty hard to fathom how they can lock an account after two mishaps as described above. I am preparing a complaint with the Federal Reserve after I submit this one as well as any other appropriate entity that interfaces with banks.
Consumer complaint received 2020-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MN)

XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Account Info Account number XXXX Collection opened XX/XX/2020 Account type Collection Department / Agency / Attorney Paid off : 0 % Balance on XX/XX/2020 Loan Amount {$1800.00} {$1800.00}. 


Payment Info Original loan amount The original amount owed on the account. 
{$1800.00} Balance {$1800.00} Status date XX/XX/2020. 

Contact XXXX XXXX XXXX XXXX XXXX, PAXXXX ( XXXX ) XXXX. 

This is a re-generating debt. 
This is not accurate and is many, many years old and needs to be removed from my credit file.
Consumer complaint received 2022-05-05
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ERC (FL)

HELLO TO WHOM IT MAY CONCERN IM REACHING OUT ABOUT ENHANCED RECOVERY BETTER KNOWN AS T-MOBILE THEY KEEP CALLING MY PHONE EVERY DAY FROM DIFFERENT NUMBERS DEMANDING PAYMENTS WHEN THIS ACCOUNT WAS NEVER USED BACK IN XXXX I WAS TOLD IT WAS SOLD TO A DEBT COLLECTOR AND WAS REOPENED BACK IN XX/XX/XXXX THE DEBT COLLECTOR WAS VERY RUDE AND USED PROFANITY WITH ME I DIDNT GET HIS NAME AND THEY ALSO LEAVE VOICEMAILS WITH NO NAME SAYING THAT THEY ARE A DEBT COLLECTOR AND TO RESPOND BACK TO THE CALL OR I WILL HAVE A CHARGE FILED AGAINST ME.I ALSO WAS TOLD THAT IT WILL BE OPEN UNTIL XXXX WITCH IS INACCURATE AND THEY INSIST ON KEEP HITTING MY CREDIT REPORTS.
Consumer complaint received 2020-10-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A. (TX)

I opened a checking and savings account with Citi Bank on XX/XX/2020, and was subsequently mailed a debit card and temporary PIN mailer. Because I was just going to use the accounts as a savings account, I never planned on activating the debit card and stored the debit card and Temporary PIN mailer together in my bedside table in my bedroom. 

On XX/XX/XXXX I moved out of my house into an apartment. During the move, apparently the debit card and PIN mailer had fallen out and someone had picked them up. On XX/XX/XXXX, whoever got the card was able to activate by using the temporary PIN at an ATM. Once the card had been activated, they spent approximately {$4600.00} before Citi Bank notified me of potentially fraudulent activity.

Upon receiving a call from the Citi Fraud department, I immediately let them know that none of the charges made on the account were made by me and the Citi representative assured me they would cancel the card, send a new one, and that all the money would be refunded to me.

Since then, Citi denied my appeal of the charges, I have appealed roughly 7 more times with the same result, filed a police report and have gained the ATM footage of the woman using my card, and have spent roughly 20 hours on the phone with Citi.

I have written a 5 page letter to them explaining what happened and have included the police report and the ATM footage of the suspect.

Every time I call to verify that they have received the letter via fax, they tell me I have sent it to the wrong location and give me a new fax number to send it to. I have faxed the letter five times and sent a hard copy in the mail and they still can not confirm receipt of the letter.

Additionally, they refuse to contact the XXXX county police officer that conducted the investigation on my behalf and when I asked if he could contact them, they told me " He can call our general customer service line if he wants ''.

This has been the most unprofessional and frustrating banking experience in my life. I plan on escalating this matter to small claims court and suing Citi for their lack of in-place security as to how someone could activate my debit card without me knowing and spend that much money without any notification.
Consumer complaint received 2024-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am writing to file a formal complaint regarding the denial of my credit card application by Capital One, which I submitted on XX/XX/year>. I believe that the denial of my application did not comply with the requirements set forth under the Equal Credit Opportunity Act ( ECOA ), specifically 15 U.S.C. 1691 and 12 C.F.R. 1002. 
According to 15 U.S.C. 1691 and the implementing regulation at 12 C.F.R. 1002, creditors are obligated to provide a clear and specific explanation for any adverse action taken on a credit application, including a denial. The notice of adverse action that I received does not meet these requirements, as it fails to provide : 1. A clear and specific reason for the denial : The notice does not adequately explain the precise factors or criteria that led to the adverse decision.

2. Information on my rights : I was not provided with the necessary information on how to obtain a copy of my credit report or dispute any inaccuracies. 
I believe that the lack of detailed information provided in the adverse action notice is inconsistent with the requirements of the ECOA and its implementing regulations. As a result, I am unable to understand or address the reasons behind the denial of my credit application.
Consumer complaint received 2021-01-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

I am about a month ahead in paying my mortgage premiums. I habitually go online, make my mortgage payment and add additional funds to go toward the principal. Most recently, and three times now, Mr. Cooper has taken my payment and applied it entirely to the principal balance. I do not want this! I specifically allot the payment to 1 ) house payment & 2 ) additional principal. I can't understand why they are not following my directive.

I have called to have this corrected for last months payment & low & behold, it's happened again.
Consumer complaint received 2020-10-26
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: Experian Information Solutions Inc. (GA)

Ive been going over my credit report and I saw some incorrect accounts that were on there.

I do not ever remember applying for credit with your company, so I would like to know what permissible business purpose you had for pulling my credit?

My credit score is really being affected and its getting in the way of my financial ventures because of this. I want to dispute these accounts until I get to the bottom of this.
Consumer complaint received 2021-07-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NJ)

I opened a checking account with Citibank in XXXX this year. 

In XXXX they closed my account without reason and withheld my funds. I received no communication they had done this, I only found out when I contacted them. They originally informed me that I needed to wait up to 60 days to receive a check in the post for the balance of my account. The balance at the time of closing was {$3400.00}. 

After contacting them a few times for information, I just accepted that they had closed my account, despite giving me no reason for doing so. I waited patiently over the following weeks, but I never received a check. 

After the deadline passed, I contacted them again. They suddenly informed me that I would not be receiving a check for any money at all! Instead, stating that I need to retrieve the funds from whoever funded the account. However, the funds in the account mostly consisted of casino withdrawals. I have been in contact with the casinos and obviously they are unable to retrieve funds from an account they've transferred money to after the transaction is complete. 

I have tried multiple times to explain to Citibank and their customer service is awful. They're wrongly withholding my money and I don't know what to do about it so I am turning to you for help. I have no interest in banking with them, I just want my money back.
Consumer complaint received 2024-12-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (AR)

At the time I was charged NSF fees, and this happened many times, I had deposited money in the account and although the deposit went through the same day as the check, they counted the check first instead of the deposit and charged me {$35.00} each time. 
When the lawsuit came about for Wells Fargo, I assumed I would be awarded some type of refund. I knew it wouldn't be as much as I was charged, but something. I got nothing from them at all.
Consumer complaint received 2021-11-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (TX)

hi, This complain is against COINBASE.COM, a currency exchange. 

I have opened the account in XXXX and deposited money to purchase digital assets. Since then I was only able to use just a couple of time it's locked most of the time with a message ACCOUNT UNDER REVIEW. I have a few XXXX worth of asset in the account and it does not allow me to withdraw, sell or let me perform any other transactions. It's been a few months now and I need my fund back. 
I have opened several support tickets but support tickets are closed without unlocking my account as if they are programmed to close the ticket in a week or so. 

I have list of about XXXX to XXXX tickets unresolved and still have XXXX active. 

Being in US this is the first company I have dealt with where there is no Human live customer support. 

I am frustrated and need attention asap thanks
Consumer complaint received 2021-01-29
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. (LA)

XXXX XXXX wont refund a total of XXXX $ they have shut down their company and services and my credit card company chase freedom is aware of this and still wont refund me the money. They have not offered a solution or even a way to resolve the problem. How can I have a charge on my card for a travel company that no longer is in service.
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I don't understand why it indicates collections when I thought it's all good. This is absurd! I've never made this to happen Additionally, the account is displaying false information. The dates of opening, last reporting, and last activity are false! IT'S ALL DIFFERENT!!
Consumer complaint received 2019-02-26
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 — Their investigation did not fix an error on your report
Company: Ability Recovery Services, LLC (TX)

I am submitting this claim requesting help. I previously enrolled at XXXX University, while being enrolled my mother had a XXXX. I had to leave the state and go home to take care of my mother. I followed every procedure that I was in constructed to follow to not take the next semester of classes. I even asked XXXX could I get out of my current class due to my mother being in XXXX. My mother doctor as well as her nurse spoke to XXXX and inform them of my mother status. 
XXXX inform me they dropped the classes but later I learned the classes were not dropped. I spoke to Financial Aid in which they advised me I could turn the check over and this would cancel all charges. I asked the representative was this legal being I did not attend the next semester of classes? Because I said no XXXX put a charge of {$1800.00} onto my credit report. I do not agree with the charges being I followed all directions which were listed on their portal as well as my advisor. 
I contacted the Collection Agency whos handling the account ( Ability Recovery ). Ive made an agreement with Ability to pay a settlement amount of {$1100.00}. I honor what I made arrangement to pay and submitted payment to Ability Recovery. I purchase a Money Order threw USPS and mailed it as well. I checked with the Post Office being Ability stated it wasnt received. Per the Post Office not only it was received but cashed. 
On XX/XX/2019, I was notified by my credit monitoring service that Ability Recovery increased the amount and not deleted it. I tried contacting Ability in reference to this but keep getting the runaround. I was informed this would be deleted from my credit report, in which they sent me a letter stating. However, XXXX, XXXX, and XXXX Credit Bureau informed me until Ability Recovery sent something to them the charges will not be removed. Please assist!
Consumer complaint received 2020-10-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (PA)

Hello, and I hope all is well. While reviewing the credit profile to Experian/XXXX/XXXX, the number of uncertain tradelines continues to be placed when the debt is unknown to the credit profile. XXXX XXXX XXXX hired a third-party collection XXXX XXXX XXXX to report an item on the credit profile. The continued actions have violated the Federal Credit Reporting Act.

With continued failed practices, this is a violation of the law, which decreases my credit the score and creditworthiness.
Consumer complaint received 2020-10-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Hello, and I hope all is well. While reviewing the credit profile to XXXX/XXXX/Transunion, the number of uncertain tradelines continues to be placed when the debt is unknown to the credit profile. XXXX XXXX XXXX hired a third-party collection XXXX XXXX XXXX to report an item on the credit profile. The continued actions have violated the Federal Credit Reporting Act. 
With continued failed practices, this is a violation of the law, which decreases my credit the score and creditworthiness.
Consumer complaint received 2020-10-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.
Consumer complaint received 2019-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (OR)

I have contacted the company for three months requesting that they correct the information on my credit report. They continue to tell me to wait for 30days and the issue will be resolved and it has not been solved yet. The information they are reporting to the credit bureau is inaccurate and has been for multiple months. I have spoke to supervisors and multiple staffs I just started collecting employee IDs because paperwork that was discussed was never filed. I previously spoke to XXXX XXXX, and XXXX XXXX. XXXX was extremely rude and informed me theres nothing she could do. She also stated she would file a complaint and nothing was submitted. XXXX informed me as well there was nothing she could do to help me. But they have a credit reporting department and was unable to communicate with that department to assist me with resolving this matter.
Consumer complaint received 2019-03-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Bread Financial Holdings, Inc. (AL)

On XX/XX/2019, XXXX XXXX received my credi transfer request in the amount of {$8600.00}. I received a email from them stating that they had received my request. The transfer was charged to my XXXX XXXX card and I began receiving and paying bills on the {$8600.00} balance. The money transfer was never made to my XXXX credit card and XXXX XXXX will not tell me where the money went. I asked for the 0 % interest transfer to reduce my credit card payments due to XXXX and a long hospitalization. I feel that XXXX XXXX has perpetrated fraud as they can not and will not explain where the money is! I am paying credit card payments now for the supposed transfer as well as the payments to XXXX where the payment was supposed to be applied. I have written XXXX XXXX numerous times to no avail. They do not answer my specific questions, only send me formulated answers. 

XXXX XXXX ( XXXX XXXX ) acknowledged my first payment on XX/XX/2019 and have sent me a second bill on XX/XX/2019, bills for the supposed transfer. Again, the transfer was NEVER MADE! I am  essentially paying for money I have never had the use of! 

I have tried to sign into my account this morning to get the names of the men I have dealt with and XXXX XXXX ( XXXX XXXX  ) has refused me access to my account. 

Please Help!
Consumer complaint received 2020-10-26
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

ONGOING ISSUE YET TO BE FIXED ALL YEAR!!! XXXX # XXXX On XX/XX/20, I submitted a complaint to XXXX and EQUIFAX, that my XXXX account ending in # XXXX not showing on my Equifax credit report. I have been trying to fix this issue all year long. Equifax blaming XXXX, XXXX blaming Equifax. This issue has been going on since XXXX! 

On XX/XX/20, I called XXXX to follow up on this issue for the 100th time this year, a representative told me my XXXX account ending in # XXXX will be reporting to my Equifax credit report within 3-5 business days. -THIS NEVER HAPPENED! 

On XX/XX/20, XXXX XXXX responded to my CFPB complaint and stated he see 's the issue and the account will be updated on my credit report within 30 days. -AGAIN, for the XXXX month, THIS NEVER HAPPENED. 

I've also received letters from XXXX representatives XXXX ( XX/XX/20 ) and XXXX ( XX/XX/20 ), stating that the issue is fixed and should be back reporting to my Equifax file. 

I need a STRONG XXXX manager and Equifax manager to contact each other and finally fix this issue!!! I'm tired of being told it will be reported in 30-60 days, everytime I call XXXX or Equifax, it's the same story. FIX THIS ISSUE NOW! Do not respond to this complaint until a manager from XXXX and Equifax has spoken and 100 % fixed this issue!