davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (MD)

I processed an online payment towards my credit card balance on XX/XX/2020 in the amount of {$150.00}. I discovered CitiBank had charged my checking account the entire payoff in the amount of {$1700.00}. 

This has exhausted all the funds in my checking account in arrears in the amount of - {$850.00}. I contacted CitiBank on XX/XX/2020 upon discovering the error. The representative advised CitiBank would reverse the payment and refund the difference of my intended payment or {$1600.00}. I was advised that this process will take 3 - 5 business days. The representative made no effort to explain further, and did not offer to reimburse added fees charged by my bank. 

I contacted CitiBank again on XX/XX/2020. I have been monitoring my credit card and checking account, and there were no changes. The representative on this call was extremely abrupt and disinterested. For much of the call as I asked a question the representative would answer a question I had not asked. I was required to specifically ask my questions over. I received limited information and was advised that the reversal was in process, expected to be completed on XX/XX/2020. 

This morning on XX/XX/2020 I verified no changes on either my credit card or checking account, I contacted my bank. My bank advised there were no pending transactions with regards to a reversal of the {$1500.00}. 

I contacted CitiBank this morning and requested to speak with a Supervisor. I was transferred to " XXXX, '' who refused to provide further identifying information ( Last Name, Desk, Department, Employee ID, etc ). This supervisor advised that the request has been returned from an internal authorization and I should expect the funds within an additional 2-3 business days. 

The supervisor provided no assistance with regard to the Federal Holiday, and the fact that CitiBanks unauthorized debit against my account has caused me a XXXX  balance which will extend for over the holiday weekend and lasting for up to 10 days. She advised there is nothing CitiBank will do to expedite this, nor will they provide any restitution for my funds being erroneously withheld for an excessive amount of time. 

I have been charged a {$30.00} overdraft fee by my bank. I have been without funds due to their error for a prolonged period. I was refused any further escalation of this matter. 

CitiBank has caused me undue harm with their error. 
CitiBank has cost me additional fees from my bank. 
CitBank has offered no escalation process or emergent return of my funds.
Consumer complaint received 2023-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America, without my foreknowledge, closed all four of my credit card accounts with them, of which, my highest credit limit was XXXX, and the longest amount of time I had on a credit card with them dates back to 2005. The ostensible excuse they used was : " irregular authorized user activity on one or more of your accounts. '' i want to be clear, that none of these accounts were delinquent and all these accounts were paid off in full, so BofA isn't out a dime. While I recognized that credit card issuers can close an account, my complaint isn't really about that, but rather is about not receiving the rewards that I earned on my credit cards. Unfortunately, I can't even log onto my account, but I believe the rewards that I list are accurate. 
... XXXX XXXX points ... XXXX XXXX total cash back XXXX XXXX points
Consumer complaint received 2023-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX Hello, I signed up for the American Express Gold card due to their offer to get 4X points on all shipping services that I paid for using my card. Here is the link to the offer on their site https : //creditcard.americanexpress.com/d/business-gold-card/? utm_programname=businesslinkonconsumer You can see the offer for 4X Shipping right there. 

Everything went well on the first card, then I paid them the fee and signed up for more cards. Somewhere along the line, they stopped paying me 4X points. I called 4 times over the course of several months ( they have the records ) and they said they would research the issue and get back to me. Every time I called they said they sent me a letter, but they did not. During several of the conversations, the assistant told me that the reason I wasnt going to get my points is that they changed the program and this vendor ( XXXX XXXX ) was suddenly no longer classified as a shipping company to them. Instead, they were simply a 1X points category ( see screenshot below ). Here is their website for reference, they are definitely a shipping company https : //crst.com/ Here is a summary of my cards as I have ( 3 ) total 1 ) Card ending in XXXX I received all my points on this card just fine, so I signed up for another card. 
XXXX ) Card ending in XXXX Some of the charges provided me with 4X points, These are shown by the blue circle with 4X on their website, but I was unable to post a screenshot here in your messaging system. Some of the charges are missing the blue circle so in those cases I did not receive the 4X points that I should have. 

XXXX ) Card ending in XXXX I Didnt get any of the 4X points. Again I was unable to post a screenshot here in your messaging system There is not a blue circle showing 4X. I dont have any way to export all the charges to show the total amount of points that I am due.

Their website only provides me a summary, so I dont have any way to calculate exactly how many points they owe me, but it is definitely XXXX of XXXX of points they have cheated me out of. Please help.
Consumer complaint received 2021-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX XXXX XXXX XXXX has now been inaccurately reporting information on my credit report for the past 4 years. The reporting consist of many inaccuracies as listed below : Inaccurate Reporting of Account Closed : XXXX, XXXX, XXXX Amount : {$630.00} This is false. This account was opened and closed in XXXX, and was also later included in my bankruptcy that was filed in XXXX. The amount is listed as charged off and bad debt, but the creditor is still reporting a balance owed, despite this account being discharged in bankruptcy. The creditor has also been reporting misleading information about my account closure date, in which, it keeps the account relevant and currently hurting my credit score and report. This is an unfair practice and unethical. This was closed over 4 years ago, and not on XX/XX/XXXX. 

Bankruptcy File Number : XXXX
Consumer complaint received 2023-08-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (MD)

Venmo purports to be a money transfer service when it is in fact operating as a short-term XXXX equivalent . In its customer service rep 's own words, Venmo " fronts '' money that is paid to designated recipients immediately yet doesn't take payment from the sender 's bank account for XXXX days. 

This distinction becomes important for my own recent horrific experience : I initiated what I thought was a transfer but quickly noticed the originating bank account was XXXX that I had previously closed. I was unable to cancel the " transfer '' because Venmo had immediately deposited funds into the recipient 's account. Under the mistaken impression that this transaction would function like any actual transfer ( ACH, etc. ) where both the account and fund availability would be verified before flow of funds, I replicated the " transfer '' from an open account with the effect of Venmo immediately delivering to the recipient twice the intended amount. 

Within a couple of days, it became evident to me that Venmo had duped me into redundant transactions by purporting to be a transfer service rather than the " pay now, repay later '' fronting business they actually operate. I learned this through persistent account freeze emails from both Venmo and PayPal to my great disappointment since any real transfer service would first verify/validate the account then confirm fund availability rather than creating a fictitious transfer by " fronting '' funds they expect to be paid/repaid soon thereafter. 

When I called Venmo customer service in an attempt to set straight, the first call went straight to a collector who threatened to put me into collections status if I didn't pay immediately. Having an XXXX credit score and only XXXX missed payment in 30 years, this was naturally alarming. When I eventually talked their payments specialist off that ledge, he transferred me to an equally unhelpful customer service rep whose basic stance was " pay the money we duped you into redundantly sending or we'll send you back to collections. '' There was XXXX consumer-friendly concession that Venmo may have been in the wrong or could conceivably meet me in the middle. 

Although that rep was unwilling to help in any capacity ( except to send me back to collections ), he did provide the " fronting '' explanation that forms the basis of this complaint. Of course, he immediately denied the position he had articulated when I informed him that my next step would be a CFPB complaint. 

I believe that Venmo needs to be held accountable for deceptively purporting to be a transfer service like XXXX or even their sister/parent company PayPal when Venmo are undertaking none of the standard verification/validation measures available in abundance through any number of service providers and, in fact, industry standard for any legitimate transfer/payments service.
Consumer complaint received 2021-05-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (UT)

I attempted to cash my payroll check through Chime XXXX XXXX. The company apparently has no ability to view prior chats with different agents. XXXX # XXXX, XXXX assured me my check would be cleared within the day at XXXX. Email at XXXX XXXX  Says check rejected. XXXX # XXXX, XXXX, at XXXX XXXX claims my XXXX XXXX feature is turned off and that I need to go to a check cashing place and then deposit the cash into my account by paying a fee. Cue phonecall # XXXX. XXXX XXXX on the phone claims that they need my paystub to " verify my income '' and I send that over and he claims it may take over 2 days to respond to my email so I escalate the call to a supervisor " XXXX '' who then claims that the prior agent was wrong and they didn't need anything they just won't cash my check for me, they " reserve the right '' to not accept it. 

I sent over all my personal information on a paystub for them to " verify '' how do I know my identify is even safe now if different agents can just pick at will what they're able to request from me even.
Consumer complaint received 2020-07-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (AE)

We purchased a home on XX/XX/XXXX at XXXX XXXX XXXX XXXX, XXXX, VA XXXX. At the time, we put 10 % down of the asking price and were accordingly assessed a PMI of {$81.00} per month. 
On XX/XX/XXXX, we paid down the cost of the loan so that it is below 78 % of the original value of the home. According to the Homeowners Protection Act, the bank should automatically cancel the PMI. The current lender is NewRez and the loan number XXXX. The bank refuses to cancel the PMI claiming that XXXX XXXX is somehow involved in the loan ( they are their backer in the words of the associate ) and XXXX XXXX refuses to cancel the PMI and requests an appraisal on the property. We have two issues with this : 1 ) According to the Homeowners Protection Act, the PMI cancellation should be automatic upon reaching 78 % of the original value ; asking for an appraisal is not right 2 ) At no point in time XXXX XXXX has been a part of our loan process - why are they involved now? Our original mortgage was with XXXX XXXX, and subsequently sold several times to various lenders as part of whatever loan packaging they do. 
According to the XXXX XXXX website lookup, they do not own our loan. 
We want the cancellation of the PMI as we have fulfilled our obligations under the Homeowners Protection Act. Please, help!
Consumer complaint received 2023-03-28
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)

For a number of years I've been going back and forth with these credit reporting companies trying to get them to remove obvious fraudulent accounts from my credit reports. I was told you guys could assist me in getting the resolve I need. My information was compromised in the XXXX data breach a few years ago and it's been XXXX ever since trying to get accounts removed. Pls assist me in removing the accounts and inquiries listed on my FTC reports.
Consumer complaint received 2023-02-04
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Commerce Home Mortgage, Inc (TX)

On XXXX XXXX, 2022, a contract was entered for the sale of my own home. I was the XXXX agent. Per the contract, the closing date was to happen on XX/XX/2022. Due to the negligence of the lender to act in a timely manner and ignorance of their own loan product policies, we did not close until XX/XX/2022. I say it was negligence and ignorance on their part because I performed my duties of the contract in a timely manner and it was on their own admission that the buyer did too. Some of the extra time was needed because they could not figure out if to use the homestead exemption tax rate for the home which the buyer certified would be his primary residence! According to the bank, if the homestead exemption tax rate could not be used, it would put the buyer above the ratios and disqualify him from being able to purchase the home. Meetings and phone calls were scheduled within the bank to resolve that matter and were put off. As a XXXX XXXXt, I am usually able to recoup what monetary losses my seller will have due to extending the closing date by reducing the closing cost concession, if there was one written in the contract. However, the bank stated that, if I did that on this home, it would also disqualify the buyer from purchasing the home. They suggested that buyer pay me the {$2000.00} in reduction outside of the closing table even though the delay had not been buyer 's fault. I should note that this was not mentioned on the emails or texts but via phone call. On XX/XX/2022 I sent my final text to the loan originator asking her for a status. There was no reply. On XX/XX/2022 I began the process to request XXXX money as I was under no obligation to complete the sale. I communicated that with the buyer 's agent and shortly after that, I finally received a phone call from the bank telling me we had a clear to close. It would have been unfair for the buyer to lose the home due to the negligence and ignorance of the bank so I agree to complete the sale. However, the bank still needs to XXXX held liable and responsible for the monetary losses that I, the XXXXXXXX XXXX incurred such as additional taxes, additional home insurance, additional interest and additional utilities. There is a consideration that is made when a contract is accepted that relates to how soon the buyer and lender can get the deal closed. Lenders need to know the importance of that in real estate and act and/or perform accordingly. I have worked as a XXXX XXXX XXXX for 10 years, there are cases when circumstance are out of everyone 's control. THIS was not XXXX of them. Most of our communication is in texts or emails attached. This does not include phone calls made for which I do not have recordings of.
Consumer complaint received 2022-11-18
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WEBSTER BANK, NATIONAL ASSOCIATION (MA)

I would like to bring to your attention a scam which is currently underway at an online bank called XXXX XXXX which is owned by Webster Bank. I went to the site, XXXX XXXX XXXX, on, or about, XXXX XXXX, to get a high interest savings account that being advertised. At the time they were offering 2.8 % APY. After the account was opened, I assumed I was getting that return. I was not. 

Now they are advertising 3.75 %. I am receiving 2.127 %. My account says it is a XXXX XXXX savings account. Nowhere in their application process or online do they mention a low interest rate savings account, I was never given any option for a low interest rate account. I clicked the button below the high interest rate offer on their homepage and was lead through the simple process never told I would be getting low interest. 

I have attempted on numerous occasions to call and to send secure messages through their online portal. I have never received any response. 

They should convert my account to the high interest savings and give me retroactive interest to the day I opened the account.
Consumer complaint received 2023-01-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-07-09
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (TX)

I applied to refinance my mortgage and was assigned XXXX representative XXXX XXXX. He instructed what the process would entail and stated a loan processor, XXXX XXXX would contact me to begin the process. XX/XX/XXXX Ms. XXXX XXXX contacted by phone and introduced herself. She stated I would need review a " To Do '' list to submit documents to begin the process. She said the current submission of proof of my Social Security document was not sufficient, I would need to " submit a W4 or W2 ''. I told her the website does not request any of my personal financial information, may I submit other options. She was adamant I must submit my personal financial information for her to view. I requested to see this policy in writing, because their To Do website did not state persona financial documents. She avoided my questions and rushed off the phone by saying I will let you know. I waited over 36hrs and have not received a response. I believe this employee was trying to obtain personal information without following the guidelines and information listed on their website. She has not contact me back which created more suspicion. I contacted the 1st representative, XXXX XXXX who has refused to forward me to a supervisor or management to voice my concerns or receive an explanation. Ms. XXXX XXXX has not contacted me since I disputed her request and my application is remaining stagnate. I am not sure if she is discriminating because I am male who is asking for policy in writing, but my application should not be affected because of my gender. Or she was trying to receive my personal information to commit fraud. I do not know since she has not contacted me back. I am submitting a screenshot of their website To Do list and no where on their does it request personal financial documents.
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (CA)

I recently disputed a bankruptcy CFPB CASE # XXXX that was being reported by Lexis Nexis. First off I have no idea how Lexis Nexis received permission to share any of my information to any one without any permissible purpose. As we all know permissible purpose is when the person obtaining a consumer report " intends to use the information in connection with a credit transaction '' " this section specifically references a single credit transaction and should not be interpreted to allow for multiple uses '' Please tell me when I was in a consumer credit transaction with Lexis Nexis and when did they have the permission furnish any of my information to any person or organization. I have no agreement or business with Lexis Nexis, and unless the purpose for furnishing this report is listed as permissible purpose, it can not be provided without my express consent. Lexis Nexis is clearly in violation of XXXX XXXX XXXX ( a ) ( XXXX ) consumer 's right to privacy and XXXX XXXX XXXX XXXX ( b ). 

( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a XXXXXXXX XXXX XXXX  or a subpoena issued in accordance with section XXXX of title XXXX or section XXXX of title XXXX. 
( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 

Attached are the letters from the courts stating they do not communicate with the courts and the response from Lexis Nexis saying they " verified '' information which they have no purpose for doing so. Lexis Nexis has no Right without my consent or permissible purpose to report any of my information.
Consumer complaint received 2021-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I WAS A VICTIM OF IDENTITY THEFT AS A RESULT THESE ACCOUNT WERE OPEN UNDER MINE AND TAXES WHERE FILE UNDER MY NAME AND THESE COMPNAY REFUSED TO REMOVED THESE FRAUDELENT ACCOUNT FROM MY REPORT THAT ARE NOT MINE I HAVE PROVIDED THEN WITH ALL XXXX BANK OF AMERICA # XXXX .... 
XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX 
XXXX XXXX XXXX # XXXX 

I have provided you all document of the illegality. 
Of this account. 
1- Federal Trade Commission Report 2- XXXX XXXX sheriff 's Report 3-Identity Theft Victims Complaint Affidavit 4- IRS Identity Theft Affidavit