davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (NY)

Citibank released a COVID-19 statement during early XX/XX/XXXX advising customers who were having hardship as a result of the pandemic to contact them for assistance. I live in XXXX, New York which was placed on lock-down due to Coronavirus so I contacted Citibank on XX/XX/XXXX to request COVID-19 forbearance and was offered a reduction in rate from 11.99 % to 9.9 % for 60 months but I would need to close the account. I refused the offer based on the condition to close. I felt it was punitive. I was told that was the only available option available but I could call again to see if any changes. I made several follow-up calls to Citibank customer service. I did not hear back from Citi until XX/XX/XXXX when their collections contacted me because I did not make the XX/XX/XXXX payment due, at that point they offered payment deferral until XX/XX/XXXX. After this agreement I still continued to receive collections calls. On XX/XX/2020 I received e-mails from Citi stating they had reduced the credit lines on both my accounts based upon my XXXX  report which indicates a substantial number of debts owed. Their action cause credit reporting agencies to identify a 97 % utilization rate of the two revolving credit card accounts I have with them. which then put me at at 37 % utilization threshold resulting in a significant reduction in my credit score by relevant agencies. I'm a new business owner and the life and breath of my business relies greatly on my credit score. Citi has since refused to accept responsibility for their unfair and discriminatory action. They insist that the  first time I contacted them was XX/XX/XXXX. I have sent them my phone logs of the calls that were placed to them during the month of XXXX, requesting transcripts of our exchange. They have refused stating they will only provide same via a subpoena. I suspect Citibank posted their COVID-19 statement encouraging customers to call in and when we did, they tried to trick us in closing accounts, because I did not accept their original offer my accounts were flagged and later reduced because I was considered too risky. I've had one of the accounts for over 25 years and can't remember ever missing a payment. COVID-19 was a risk for everyone on many levels and they  used their authority as a weapon to further harm unsuspecting customers.
Consumer complaint received 2022-09-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (WA)

today XX/XX/2022 I got an email from PayPal that says : " Hello PayPal user ( which I am NOT ) - Here 's you invoice Billing Department of PayPal sent you an invoice fore {$800.00} USD Buy now : Pay over time Seller note to customer " Your PayPal account ( which I am not aware that I have an account ) has apparently been illegally accessed, according to the evidence. Your account has been charged {$800.00} for the XXXX eGiftCard purchase ( which I don't have ) this transaction will show up in the automatically debited amount on Payment activity. Contact us right away at the toll-free number XXXX XXXX or go to the PayPal Support Center for help if you believe you di not make this transaction. PayPal " At this time, I did not respond to PayPal as I think this is a scam?
Consumer complaint received 2020-06-25
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I recieved a threating voicemail around XX/XX/XXXX and when they called back XX/XX/XXXX or XX/XX/XXXX I managed to answer the call the claimed they were calling from Ace Cash Express and have orders to find and detain me unless I proceed to arrange payment on a loan I took out In XXXX. They said they can stop allegations towards me if I pay the about of XXXX $ or They can take me to court and they would ask for XXXX plus and I got so scared i would get arrested and lose my job so I made the first initial payment and made 5 other payments, in total I payed them XXXX . Yesterday they called me harassing me again because my card didnt go throught because its overdrafted since I lost my job I dont have way to pay for that. They threatened to located me at my job and find me at my address and i called them back and they would not pick up. I called my local government office to see if there is any claim against me and they had no records of anything online, I also called ace and they didnt have my loan come up since it was from a while back or the representative was rude and lazy and didnt want to look the information up. Either ace hired someone to collect for them or a scammer scammed me for XXXX . They wouldnt give me an official address for their office, which makes it a scam to me, their name on my bank statements is XXXX XXXX. I have since blocked my card and reported them to my bank.
Consumer complaint received 2020-06-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Viking Client Services (NY)

On XX/XX/2020, I got a voicemail from one XXXX XXXX who claim to work for Viking client services LLC and he said I owe a creditor ( XXXX cooperation ) a sum of {$290.00}. I have not had any dealings with this people before. Even though I am a XXXX XXXX member, I never had any rental with XXXX without payment or any issue. Ive been renting with XXXX for a long time and never had any issue, so this people from Viking service just started calling me with all sort of threat and demanding that I pay them {$290.00} and if I refuse, they would get a judgment against me and all sort of rubbish. 
For the sake of this communication, my XXXX member ID is XXXX I know that XXXX   went belly-up few weeks ago, but is that a good reason to start charging people fraudulently? Asking them to pay for a rental or other fees that they never used? 
Even if there was any issue, shouldnt XXXX suppose to reach out to a valued member who gives them lots of rental business year after year? I see why the XXXX  company is crumbling down, when you dont value your members and people that gives you business, bankruptcies is not far away. 
Pls help me stop this dubious and fraudulent people off my back. Thank you
Consumer complaint received 2020-11-21
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. (GA)

I sent a dispute on XX/XX/XXXX and another on XX/XX/XXXX. I know the bureaus get an extension due to the pandemic, but I still have not even seen that they have begun investigating either of my disputes.
Consumer complaint received 2020-01-28
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: Capio Partners, LLC (FL)

THIS IS MY SECOND TIME CONTACTING THIS COMPANY AND YOU GUYS HAVE NOT FIXED THE ISSUE. For months this company has been reporting inaccurate, unverifiable, erroneous things on my credit report and I am sick of it!! This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Consumer complaint received 2019-10-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: MEI AUTO FINANCE INC (TX)

I had an open loan on a XXXX impala, with brought price at XXXX miles, i have paid on this car for a year since XX/XX/XXXX, my loan was finance through MEI finance and purchase at the lot XXXX XXXX, i have tried to reach some kind of agreement with the car and speaking to numerous of supervisors with in the finance company, all i every got was they will give me a a call back, some reason when i first called about this problem my conversation with the people i spoke with wasnt in the system, they claim they didnt have any records of that, my car has been running bad since i purchased it from getting a wheel alignment, brakes, and rotors all that they claim they fix even the body shop when i first purchase the car, they said that the dealer didnt write a slip for the muffle, when i spoke with XXXX XXXX the first time they told me they didnt have a muffle shop, so basically they kept giving me the run around between each other, ask for my files and my payment history never missed a payment, they wouldnt even consider letting they so called shop service department look at my car told me that it will be XXXX weeks before they can get to it, nobody never called back to do a follow up on me, been that i was a active paying customer then they had an 17.8 % interest rate on me when i took the car into a XXXX dealership they told me that the car was only appraised for {$1500.00} - XXXX, i have decided to give the car back i can not afford to fix a car and pay a payment, i explain that to them they told me because the car is broke and at they shop and i needed the funds to get XXXX that doesnt means it put my car note on hold they didnt try to offer me no kind of comprehensive or nothing, they told me they can only give me an 7 day ext why i try to fix the car myself under my own terms, they didnt do nothing that they withhold with this warranty due to the muffle it failed emission test i couldn't even get the car inspected as of today still waiting on someone to called me back and its been over XXXX hours, i have also file an complaint with the better business bureau after doing my research running across a couple of people that have had business with them they all said the same they treat all they customers like that, i will like this loan dismissed and we some kind of way reach agreement that i have successful gave them they money back that the car was worth, XXXX a month
Consumer complaint received 2020-08-21
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: JPMORGAN CHASE & CO. (MO)

I opened a Chase Southwest Visa card because I received a referral from a friend that had the card. Based on the initial points offer if you used the card within 3 months and after you had charged $ XXXX on the card, I was supposed to get the southwest companion pass. Now I am being told I need XXXX points. That was not what I signed up for. I was charged {$69.00} for this card and the only reason I got the card is because of the companion pass which I am being told now that the offer was not valid this year. This is totally a bait and switch. Both Southwest and Chase are responsible and working together to defraud me. I am shocked that they are not willing to honor the offer I received. It was the only reason that I opened the card.
Consumer complaint received 2020-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

The recently received a copy of my credit reports from all three bureaus were XXXX collection company reports a debt on behalf of XXXX XXXX I requested a validation of debt from XXXX with no response then I filed a compliant with the CFPB were XXXX reposed by providing what they say is proof of debt the problem is 1 .... The consent to treat is dated XX/XX/XXXX ( which is typed ) and also signed and is a outpatient consent to treat ... ..since there was a hospital stay according to the bill there would be a consent to treat from the hospital stating inpatient consent the form provided is clearly a form from a regular doctor visit and even lists my primary care doctor 2. The responsible party name in the consent form is XXXX, XXXX XXXX 3. The bill provided shows a Date of service as XX/XX/XXXX to XX/XX/XXXX ( Which doesnt match the consent to treat form dated nearly a year ahead of date of service ) 4. visit number is XXXX according to the bill however the consent form reference number XXXX 5.The collection number did not provide proof that they were hired to collect on behalf of XXXX XXXX 6. I Do NOT have a contract with the collection company namely XXXX Since XXXX wasnt contracted by XXXX XXXX and purchased the alleged debt the fact that they provided my hospital bill is a HIPSA violation It is crystal clear that these documents do not correspond with one another which means that the collections company has not met the guidelines for validation of this debt and must REMOVE all negative derogatory items reporting on my credit file in regards to this collection Item I have attached the consent to treat provided by XXXX  I have attached the hospital bill provided from XXXX Previous response to CFPB compliant number and documentation attached
Consumer complaint received 2019-10-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC (AL)

On XX/XX/XXXX I paid XXXX XXXX which is XXXX XXXX XXXX in full to delete from my credit report. I also paid all of the XXXX XXXX on XX/XX/XXXX pay to delete. One was with XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. I paid XXXX XXXX who told me they could not delete from my report but they have a few payments marked as not paid and they were for those 2 months. XXXX XXXX  closed the account on my report but a collection agency bought it. XXXX says I owe XXXX because I volunteerly gave up my car to them so they came to my address and picked it up. Well the so called collection agency that took over told me that I owed XXXX why are the debts not the same? Also, I never heard from Mrs associates nor have I received anything in the mail from them I thought XXXX just closed it well I figured I would try to settle so I called XXXX to try to settle and that's when they told me Mrs owns it and so since then they have been calling me and sending letters but I have went a year or longer not even knowing Mrs had my debt. When I try to get my account number to pay what I can they will not give it to me they say that I do not want to do it that way that they will not get any of the money so they will not be able to subtract from debt. Also they told me they would not work with me unless I paid a {$1000.00} down they did not except my monthly payment I offered. XXXX also has a few late payments down on my report that are wrong and I can prove I paid them for that month.
Consumer complaint received 2022-08-25
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. (NY)

Equifax reporting late pay for XXXX 2022 when the other XXXX XXXX  are reporting on time. Correct this inaccuracy immediately. According to federal law, everything is supposed to be accurate on my report. Even the balance is incorrect. Update immediately.
Consumer complaint received 2022-07-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (LA)

Our home was damaged from winds during Hurricane Laura. The repairs are 95 % complete. We had to file a lawsuit against our wind insurance company. We settled our lawsuit. The insurance co. placed Wells Fargo 's name on the check which was in the amount of {$150000.00}. We mailed the check to WF about 4 months ago and we still have not received our funds. Our home is worth at least {$800000.00}. The principal remaining on our WF note is {$150000.00}. We have attempted to have WF release our settlement funds with no help. We have called at least 8 times, been to the WF in XXXX, Texas, and finally a 3rd party inspector came to view the house almost a month ago. We complied with every requirement WF has asked, including at least 40 pictures showing completion of the work. We are getting the run around from WF and it is very frustrating. We need the money for finishing repairs and other things in our life. Our precious XXXX XXXX XXXX son passed away just 6 months ago and this issue with WF is not helping our grief. Please have WF send us our funds. We have never been late on a payment ( auto draft ). Thank you for your help.
Consumer complaint received 2020-06-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

On XX/XX/XXXX, I processed 2 payments for consulting services through Paypal Here. Paypal immediately limited my account, and requested extensive information on the transactions. 

I proceeded to provide the information to Paypal, to which they claimed they needed more information. I provided the referenced information, including my service contract, contact information for payee, and other details. 

Paypal then unilaterally claimed my account was too risky and they were entitled to hold my payment for 180 days. This is straight up fraud on Paypal 's behalf. They hide behind their user agreement with no specifics, and attempt to withhold small business payments. 

Given the current pandemic, companies like this should be prosecuted.
Consumer complaint received 2019-09-28
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. (MA)

Closed my account by paying it off in its entirety with XXXX XXXX on XX/XX/2019. Unknown to me they charged my account ONE days interest for XX/XX/XXXX and billed me after my account closed. I then received a collections letter for a late payment - that I never knew existed, and never received a standard bill for. I called XXXX XXXX to dispute the retroactive billing, the lack of transparent charges, and there handling of it. They investigated my complaint and withdraw the {$13.00} charge for one day interest but still reported it as late to the credit bureau. I went to go refinance and low and behold my credit score has dropped because this interest that should not have been charged but if it was should have been billed properly and was being investigated and then retracted has now dropped my score 40 points and messed up my perfect credit. I contact XXXX  and provided them the letter showing them the investigation, dispute with XXXX XXXX, and the results of the retraction, yet XXXX  will not remove it. 
It has cost me financially with my credit score, made it impossible to refinance at a good rate, and my next step is to contact the AG of Mass if this cant be resolved, as well as the press. XXXX XXXX is criminal enterprise and should not be reporting on anyone 's credit!
Consumer complaint received 2019-09-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NPAS, Inc. (KS)

This is a workmans comp issue. I sent copies of all the medical bills to the XXXX XXXX ( my XXXX insurance company ) for payment. For some reason they paid all of the bills but this one. I also informed XXXX and XXXX XXXX hospital that XXXX XXXX was responsible for this bill. I mailed copies of all the paperwork and verbally gave them the information over the phone several times. I gave them the injury claim number, phone numbers, address and contact information. This bill is not my responsibility.
Consumer complaint received 2019-10-20
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. (CA)

I have reported Transunion to the office of my attorney generals office : XXXX XXXX, as my rights under the FCRA 2009 have been violated by this consumer reporting agencies, I have absolutely no idea what these Inquirys are, I have never opened applied for any account with these creditors and want this removed. I have notified my local Police department ( XXXX XXXX county sheriffs ) of these fraudulent accounts and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report these accounts In my previous CFPB report to XXXX  it was claimed that they had sent the information to the credit issuers in question that I sent a FEDERAL AFFIDAVIT The Federal Law as explained to me by my Attorney Generals office is that ; Section605B ( a ) requires CRAs to block the reporting of any information that the consumer identifes as information that resulted from an alleged identity theft, within 4 business days. The fraudulent inquirys that I am requesting be blocked & deleted and asking Transunion to cease and desist reporting are., I have NEVER APPLIED for ANY PRODUCT from these creditors, please delete these inquiries as I have never applied. The inquiries are : XXXX XXXX Inquiry from XX/XX/XXXX. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX These inquiries are fraudulent and I am requesting block to these inquiries under the FCRA 2009 605 ( b ) ( 2 ).

I have filed the FTC IDENTITY THEFT FRAUD AFFIDAVIT, please cease and desist all reporting these inquiries.