davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NJ)

I opened an account with Citibank on XX/XX/2020 and had not used my account. I was going to use it as a savings account. while I was waiting on some funds to be processed at another bank I decided it was taking too long so on XX/XX/2020 I made an ACH deposit of {$60000.00} and I made sure that Citibank was well aware of the deposit in advance. I had asked questions along the way and made sure I was told the spending limits and learned the usages of my card. I was told that I would be upgraded to Citi Priority banking and that never happened. I had sent some XXXX payments to my son and that was the longevity of my account at Citibank. I also did have one additional deposit for {$1300.00} as well. 

Now at some point any and all transactions were declined and my account was blocked. However someone was using my funds in my account. A total of {$6500.00} is what I sent to my son in several payments over several days because my ability to send a wire was and is still blocked. 

I have not been able to manage my account and I have not been able to dispute any and all fraudulent charges on my account and I am told my account is being closed and that I will know more in 30 to 60 days which is insane. I explained to them that I have a bad problem with XXXX and that I need my XXXX  or I can die from a XXXX XXXX or many other issues due to not having it. I can't afford to buy it without my money I have no money because it is all in the account at Citibank. I also had previously before running out of my XXXX  explained that I had already put down a {$24000.00} deposit as the first portion of a down payment of a home that I am trying to obtain and that the other {$24000.00} was due on XX/XX/XXXX and that I would loose my {$24000.00} deposit as the first portion of the down payment because it was non refundable and I think they have already moved on and are in another deal now! 

Citibank didn't care and didn't do anything to help. lastly my father died during all of this and my birthday was last week. I didn't even have food or gas in my car on my birthday because of what they're doing to me. I need help and they need to reimburse me for all the money I have lost and all the money that I have had to borrow to survive during this time. I was moving into the new house and now I am bouncing around to hotel and to places I don't want to be I want to move into my house. I also successfully fully verified my identity every time I was asked to. Someone please help this is just a quick version of a very terrible situation
Consumer complaint received 2020-06-22
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: NAVY FEDERAL CREDIT UNION (MD)

The bank which my car loan was held at, put a block on it for another reason. Every month for almost a year, I have called in to transfer funds into that car loan relying on what a representative at NFCU tells me because I am restricted and not able to look online nor go into a branch due to covid. At some point, I was 30 days past due and was not aware, in which they are usually good at giving me a call or any past due amounts or concerns. As soon as I made the last car note payment, I received a hit on my credit of that noticed. I contacted NFCU, however, they are unwilling to help and listen to the recorded lines for accuracy to plead my case.
Consumer complaint received 2022-01-14
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. (AL)

There was a lawsuit between XXXX XXXX XXXX and myself. This went to court and was DISMISSED with prejudice by the judge on XX/XX/XXXX. This was to be removed from my credit report. I Have disputed with all 3 credit bureau 's. XXXX removed immediately. Equifax and XXXX still have not removed. I have disputed with both of these bureau 's multiple times, providing all documents. It is still on my Equifax and XXXX report. It continues to hurt my credit. XXXX XXXX still continues to report to these 2 bureau 's. I have spoken with XXXX XXXX finally on XX/XX/XXXX. The law firm that supposedly handled this case for XXXX failed to report back to XXXX the court order. That firm is XXXX XXXX  XXXX, XXXX. I am faxing the court order in to XXXX XXXX per their request to their legal dept. Legal analyst name given was XXXX. The fax # provided was XXXX. I do not know what else to do to get this resolved. There should be consequences for XXXX XXXX and this law firm, and XXXX XXXX 's for this undue stress. It is wrong on every level. I provided all documents to bureau 's and called and confirmed that they received. IF the bureau received copy of court order, why would they not automatically remove??
Consumer complaint received 2022-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my XXXX XXXX : XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2020-07-17
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: Experian Information Solutions Inc. (PA)

I recently disputed inaccurate or erroneous information on my credit report with all three credit bureaus XXXX, XXXX and Experian. It has been 60 days and I have still not received any investigation results from any credit bureau. I included a copy of my ( drivers license and social security card ) as instructed. I read online that the credit bureaus have 30 days to respond to an investigation and they have not done so.
Consumer complaint received 2022-01-14
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN ADVISORS GROUP (TX)

American Advisors Group license number XXXX has been promoting their reverse mortgage program on television and social media. They offer a free information kit. I have inquired a number of times over the past 6 months and they have failed to send the promised kit. My last contact with them was on XX/XX/XXXX, XXXX. I was persuaded to speak with a loan representative. He was reluctant to give me his NMLS id #. He finally said he only recently received his license. I did a search and found that he has had a license for over a year. His name is XXXX XXXX XXXX XXXX XXXX # XXXX. He assured me the kit would be sent and I have not received it as of today. 
I am not even sure this company is legit or just phishing for info. Don't companies have an obligation to deliver their product or kit as promised?
Consumer complaint received 2022-01-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: VYSTAR CREDIT UNION (FL)

I entered Vystar credit union located at XXXX XXXX XXXX XXXX fl XXXX, on XX/XX/2022 at XXXX pm. I just recently started working back for a previous company XXXX XXXX XXXX which provided a check as first pay method until the following pay period. I was judged the moment I walked in based on my race. I was informed by a XXXX who refuses to provide last name but basically stated prior to even looking my account up that I could not cash my payroll check and that cashing and depositing is the same if they have reason to believe it would be a returned check even though I have been a member Atleast 10 years. The supervisor XXXX XXXX walked over rudely when I asked to speak with someone because I cant believe Im treated so unfairly. She informed me that my account had several charged off accounts which is not correct as I have had the same checking account for quite sometime now. This really hurt my feelings as a human being to be treated so poorly at my own bank. I really want to close the account out due to this issue but I also want to push this issue as no one should feel like I am feeling. There is enough XXXX  in the world, your bank should be a safe space as they hold all of your funds.
Consumer complaint received 2022-01-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Selip & Stylianou, LLP (NY)

THIS ORGANIZATION HAS COMMITTED SEVERAL FEDERAL VIOLATIONS AND IDENTITY THEFT. THIS ORGANIZATION OBTAINED MY LOCATION INFORMATION WITH OTHER NON PUBLIC PERSONAL IDENTIFICATION FALSELY WITH FALSE REPRESENTATIONS IN THE PROVIDED EXHBIT. THIS ORGANIZATION NEVER HAS MY DIRECT CONSENT TO COMMUNICATE WITH ME AND HAS COMMITTED IDENTITY THEFT PURSUANT TO FEDERAL LAW AS WELL AS INVADED MY RIGHT TO PRIVACY. PURSUANT 18 USC 241 & 242 SELIP & STYLIANAOU ARE CONSPIRING WITH XXXX XXXX AS WELL AS THE CRA 'S CAUSING INJURIES AND DAMAGES BY FURNISHING HARMFUL INFORMATION ON MY CREDIT REPORT IN ATTEMPTS TO COERCE PAYMENT OF THE ALLEGED DEBT DEPRIVING ME OF MY RIGHTS. IN ADDITION PURSUANT 15 USC 1602P SELIP IS IN VIOLATION FOR THE UNAUTHORIZED USE OF MY CREDIT CARD.
Consumer complaint received 2020-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX, a service of XXXX XXXX reported a 67 point decrease in my credit. 
In the report was an amount matching medical services I received months before. 
I made contact with the hospital and I was assured the hospital ( XXXX  ) does not report to credit agencies but the numbers were exact, what was reported and what I owe the hospital. I don't use insurance so they ran self pay and we had an agreement. 

next visit to the credit wise site and the derogatory explanation was gone but the credit score was still 67 points lower. 

Please help me restore my past and correct credit?
Consumer complaint received 2020-07-03
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: SYNCHRONY FINANCIAL (CA)

-My ex-wife filed for bankruptcy on XX/XX/XXXX. 
-I was notified via mail on XX/XX/XXXX ( see attachment ). 
-I co-signed on a Care Credit/Synchrony Bank credit card for her while we were married. This card was to be used for the children. Each person was responsible for their own charges on the card. Charges relating to the children were to be split. This statement is documented in our divorce decree ( see attachment ). Divorce was finalized on XX/XX/XXXX. 
-I was never asked for any payment from her in regards to the kids, nor was I ever informed about any charges made in regards to the kids. 
-I have tried to mitigate this issue myself by speaking with Care Credit/Synchrony Bank on numerous occasions over XXXX. I requested statements to view the charges and I requested a copy of the original signed application and was denied. They refused to supply me with any paperwork. 
XXXX XXXX, XXXX I hired a legal representative to assist in this issue ( see attachment ). Care Credit/Synchrony Bank refused to work with the law office as well, and stated that the law office would need Power of Attorney in order for them to release any information. The response letter from Care Credit/Synchrony Bank sent to my lawyer was not addressed to me, rather it was incorrectly addressed to my ex-wife ( see attachment ). 
-My credit report shows a derogatory mark because of her bankruptcy. 
-The Care Credit/Synchrony Bank account number with the derogatory mark is not the Care Credit/Synchrony Bank account I co-signed. 
-I do not have any connection or affiliation with the Care Credit/Synchrony Bank account that reflects a write-off. 
-I did not authorize or co-sign on another Care Credit/Synchrony Bank account. 
-I respectfully request that this derogatory mark be immediately and permanently removed from my credit report and reflect equally at all three credit bureaus.
Consumer complaint received 2020-06-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY ()

I have filed numerous complaints about Wells-Fargo starting with XXXX  complaints ~9 years ago to CFPB complaints ~2 years ago, then OCC complaints ~1.5 years ago. Wells-Fargo shut access to my account repeatedly for no reason during an 8 year period against my instructions. Wells never answers XXXX  complaints, despite ~8 years of filings. What I never expected is the CFPB would refuse 4/5 's of my complaints against Wells, especially when I submitted Wells documents outlining fraudulent practices againt my account, whithout my knowledge nor permission. So, this complaint references many against Wells, but it really specifically is about the CFPB 's failure to take appropriate action, rather than just roll-over and collude with Wells. More specifically, in XX/XX/2019 Wells again shut down my account access, in complete frustration that they AGAIN refused instruction to keep my account open, I sent XXXX XXXX letter stating : 1. charge me costa as needed, 2. wire my account balance, 3. inform me of your progress via email, 4. close my account. I received after months of complaints the single answer ever via the CFPB, they failed me completely on 4 or 5 complaints. As part of the Well 's reply to my CFPB complaint, I received 2 Wells letters, adressed to me in past months but never received, outlining totally fraudulent action taken against my instructions, and without my knowledge nor consent.
Consumer complaint received 2020-06-22
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)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DPT ED/XXXX Company inquiry : ONLINE
Consumer complaint received 2022-03-22
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (TX)

The signing of loan modification documents! 

I have completed my three payments as terms of agreement of the loan modification. 

The loan modification loan docs arrive. Looking through loan modification docs my mother name is on it and my name only. My father was the primary borrower. Makes absolutely no sense why my dad 's name is not on the docs. Mr Cooper has both death certificates for my deceased parents. 

I was contacted by the first Notary to come by and get loan docs signed. She keep asking about my mom and if she would be here to sign loan docs I told her my mother and father are both deceased and my father was primary borrower he is not even on the new loan docs and I also told her Mr. Cooper has the both death certificates for each one that's how this loan modification got stated I informed her my dad was the primary borrow and my mom was just on the loan. The first Notary claimed she was at my house and no one was home. She stated she was at my door from XXXX to XXXX AM my door was open and there was construction going on in the building next door. That's why I left door open. I called Mr Cooper office to let you know the situation. Given the information above by the Mr Cooper representative. I informed him it's XXXX AM I standing on my porch why would I be calling. 

Schedule Second Notary she arrives and as we are signing docs she put a line through my mother 's name while we completing the signing of docs. Mr Cooper reject the line through my deceased mother name. Get second set of new loan modification docs sign all of them again. All seem good. 
Just got a call from third notary indicating you rejected those loan docs again. Spoke to new Notary she is now asking me about my mom again to see if she will be here to sign loan docs. Here we go again around and around with this XXXX again. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-05
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: GOLDMAN SACHS BANK USA (AR)

First complaint : XXXX CLOSED YOUR COMPLAINT On XX/XX/XXXX, I bought a sofa from XXXX. they delivered me the incorrect sofa model and color. I called them to report the issue and so far they have not send no one to pick up the wrong one and send me the correct one. I have disputed the charges for {$2100.00} plus interest with apple card ( Goldman Sachs ). they never sent me any status o my dispute and they have keeping posting again the charges on my account. they not helping me at all, with this scam. Second complaint : Company responded : Goldman Sachs Bank USA received the above-referenced complaint related to the Apple Card via the Consumer Financial Protection Bureau ( CFPB ) Complaint Portal on XX/XX/XXXX. The Bank appreciates the opportunity to address the concerns raised by XXXX XXXX XXXX XXXX Customer ). The Customers concern references a transaction dispute with the merchant, XXXX, in the amount of {$2100.00}. The Customer initially stated the merchant shipped an incorrect item. The merchant voided a return refund, as the Customer opened a transaction dispute with the Bank. The Bank initiated a three-way call with the merchant and the Customer to facilitate a return of the incorrect merchandise. The merchant advised they are able to schedule a pick-up of the merchandise for the Customer, once the dispute is resolved. The Bank has resolved the dispute in favor of the merchant, as the merchant has agreed to arrange for a merchandise pick-up for an exchange or return. The Customer is requested to contact the merchant in order to schedule a pick-up for the returned item. Based on the above details, we kindly request this complaint be closed. Goldman Sachs is in violation of my consumer rights. this issue I had to deal with it has been for the past 9 months. I never agreed to this terms ( Please request recordings of our interactions ). I have tried multiple times on returned the merchandise e and they always lie to me saying they going to send someone to pick up the sofa and they dont send no one. 

Now I returned the merchandise as agreed and they still charged me for the transaction and now they telling me there is nothing they can do because has passed a year now.
Consumer complaint received 2020-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (CA)

Whenever I go to Discover website, there are always crashes, service unavailable etc .... 
And after I come back to pay, Discover moves my payment date to the next day to collect fees on the payments. When I try to reach out to Discover to help, it is always unavailable. I try message - messages can not be sent. What kind of service is this? Are you doing it on purpose Discover, to collect fees??
Consumer complaint received 2020-07-03
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. (NY)

My loan was supposed to be in forbearance until XX/XX/2020. A payment of {$210.00} was drafted out of my account on XX/XX/2020. My previous payment were only {$50.00} a month before this forbearance. Too much was taken too soon.
Consumer complaint received 2020-07-17
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. (TX)

I have a hard inquiry on my Experian report from US SM BUS ADMIN ODA. However, I did not authorize this inquiry and the account is not mine. This is false information currently reporting on my Experian credit report. This is deeply frustrating and is a violation of the FCRA. According to the law all false and/or unverifiable date must be removed. I'd appreciate it if you all can assist with resolving this issue as Experian has not been helpful.
Consumer complaint received 2020-07-03
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. (FL)

I am writing because I do not recognize certain items on my credit report. The accounts are listed below. I have never done business with many of these companies, and dont understand how I would owe money or have anything that would appear on my credit report from them. 

For some, I recognize the names that are listed as original creditor, but I dont understand how I could owe so much as I dont recall ever having gotten so much debt.
Consumer complaint received 2020-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

I HAVE A CAPITAL ONE CREDIT CARD, STATEMENT CLOSING DATE XXXX EACH MONTH. I TRYING TO BUY A CAR XXXX CAPITAL ONE AUTO FINANCE AND NEED THE CREDIT REPORTS TO BE UPDATED TODAY, FOR I JUST PAID OFF AND XXXX BALANCE. THIS WILL ENSURE HIGHER SCORING.
Consumer complaint received 2020-07-17
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (GA)

I SEEN THIS NEGATIVE ACCOUNT ON MY REPORT AND SENT LVNV FUNDING LLC A LETTER ON XXXX XXXX ABOUT THIS ALLEGED DEBT THEY SAY THAT I OWE OF XXXX $ .I HAVE ATTACHED MY LETTER TO THIS COMPLAINT.
Consumer complaint received 2020-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (CA)

My wife and Myself had a shared Chase MasterCard that originated in XXXX : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Due to financial difficulties, Chase wrote this account off on XX/XX/XXXX for {$12000.00}. 
I received a 1099-C ( XXXX XXXX XXXX ) but my wife never did. Chase was required to send my wife a 1099-C and didn't. I did report this as income on our joint XXXX tax return. 

Because they never sent my wife a 1099, I want this account removed from my credit reports. 

I also want a full accounting of the late fees and charges and interest that were charged to this account before it was written off. I believe we were overcharged.