davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-21
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (OR)

We received a notice from the IRS on XXXX XXXX, XXXX informing us that we owed an additional {$23000.00} on our XXXX tax return due mainly to unreported income in the form of a Cancellation of Debt form XXXX submitted by Citibank. 
We had no prior knowledge of this activity and attempted to contact Citibank for information. We were able to get information that the account activity in question was from XXXX, 17 years ago. We were living in XXXX at this time and neither my wife or I have had any accounts with Citibank. We have never received a bill, a statement or any other correspondence regarding this account. We have made numerous telephone calls to Citibank attempting to get any type of details about this account and have continuously been denied any information. Several of these calls have lasted up to 3 hours while constantly being transferred from one department to another. Our tax prepared requested us to ask for a copy of the XXXX form that was sent to the IRS and even this request was denied. We believe this matter is a mistake on Citibank 's part or fraudulent activity by another party. We request that Citibank either inform the IRS of their mistake or provide us detail information so we can prove fraudulent activity has occurred.
Consumer complaint received 2016-12-28
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (UT)

in short they closed my account and are withholding my money. 
i had an account with chase bank. the account was overdrawn and the bank contacted me to pay them back. i made an arrangement to get the account current by the XXXX of XXXX. on the XXXX i went to the bank to deposit money only to find out that the account had been closed that day and could not be reopened. after the weekend i went to the bank and talked to them about setting up a new account. i made an arrangement to pay the balance that i had and i set up a new account there and i deposited over {$2300.00} into the new account via a check i had received from an insurance claim. they told me the check would take a couple days to clear. account was fine for the first day after it opened. the day that the check was supposed to clear witch was the next day i tried to log into my account and was unable and was given a message that my access to the account was suspended. i called the bank and they told me that my account was closed again and that i would not have access to the funds.she told me it would be XXXX to ten days before i got a money order for the funds in my account. they would not tell me why it was closed or let me take out my money. nobody even tried to contact me about it and now its been past 7 days and i have n't received anything and i am concerned. this ultimately led to my family having a very XXXX XXXX because they withheld all my funds and the bank has not cared at all.
Consumer complaint received 2024-09-30
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (MI)

I was contacted by the company last year and XXXX, I told the company that the debt was not mine, but they still sent it to collections it was {$5800.00}, I have recently gone to the original apartment building and they have started that they don't know what I'm talking about and I shouldn't have been given any charges. There was a mix-up and I have been going after the apartment building this entire time trying to get proof of valid debt. The ledger they showed me was not proof but rather what the apartment WRONGFULLY gave them an amount I never owed.
Consumer complaint received 2016-12-28
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A. (FL)

I am Power of Attorney for my XXXX XXXX year old Mother. This POA was written by an attorney, signed by my mother, witnessed and notarized on XX/XX/XXXX. On XX/XX/XXXX it was presented to PNC Bank at the XXXX Branch. After being sent to their legal department it was declined and I could not pay any of her bills with the XXXX accounts in question. After talking to numerous bank employees I got nowhere. I have names and dates and even requested to talk to the CEO of PNC Bank. I have a letter stating this from PNC Bank - ( attached ). I do not agree with PNC 's ruling and request your agency to help in this matter. I have printed the XX/XX/XXXX Short Form POA ( attached ). The POA my mother signed On XX/XX/XXXX ( attached ) in XXXX, Il has all the necessary requirements for a legal and binding POA. The XX/XX/XXXX clearly states " Nothing in this Article shall invalidate or bar use by the principal of any other or different form of power of attorney for property. 
I believe our family has done everything correctly and PNC Bank is putting an unnecessary burden on a very ill XXXX year old XXXX woman and her family by not releasing her money to pay her medical bills. Since XXXX she has been in the hospital numerous times, in a XXXX Il nursing and rehab center and is currently home bound under palliative care with 24 hour around the clock professional care. PNC 's suggestion to me was to solve this problem just bring her to the bank and sign a PNC POA and they would have a notary available. 
Thank you in advance for any assistance your agency can give me in regards to this problem. I do not believe my mother should have to sign another POA form for the bank. 
If the bank does not accept legal documents they should let their customers know what is and is not acceptable to them before a family crisis strikes. I have all names, dates and phone numbers of employees of PNC bank that I have spoken to in regards to this problem.
Consumer complaint received 2016-11-26
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (NC)

I travelled to XXXX, XXXX for business. On one night on XXXX XXXX I went to a restaurant and when I left I realized I had lost my wallet. I came back to the restaurant and found my wallet but XXXX individuals from the establishment stopped me and wanted me to pay more money but since I had already paid what I owed in cash I did not want to pay anything else. Forcefully, they put me in a room and would not let me leave. When I tried to run towards the door, they held me and XXXX. After approximately 2 hours they took me to another room and took my wallet from me. They ran my cards - XXXX of them went through and they would not let me go until I signed the vouchers. XXXX of the cards was a credit card from XXXX and the other XXXX was a debit card from Chase. After I signed the vouchers - trying to sign with differences to my true signature since I was not authorizing these charges - they released me and I left to my hotel in a taxi. At the hotel, still traumatized by the experience I call XXXX and Chase and reported my cards lost/stolen. I felt afraid being in a foreign country like XXXX where the news about corruption did not make me trust going to the police. I reported the incident to my supervisor upon my return home and I am fighting the credit card charge with XXXX - this was a corporate credit card. The XXXX investigation is still on-going and since I came back I wrote them a letter with the full story including the abuse from the merchants. The first Chase investigation concluded on XXXX XXXX and they stated the charges were correct. I called Chase and they told me the card used was authentic and made with chip technology transaction ( chip card and terminal ). I explained them over the phone the full story regarding the abuse I suffered and they re-opened the investigation. On XXXX XXXX they concluded the same as with the first investigation - that the card used was authentic and made with chip technology transaction. I called them and explained that since the beginning that has not been in question. What is in question is the unauthorized use of the debit card. Still they told me Chase could not do anything more and that I had to pursue other avenues outside of Chase. On XXXX XXXX I sent a letter to Chase asking for the documentation they used for their investigation including the documentation that will support that the merchant bypassed the use of PIN for my debit card.
Consumer complaint received 2016-11-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (IL)

Wells Fargo sent a letter advising of a systems change that was taking place and around XX/XX/XXXX XX/XX/XXXX of the month and that my normal payment would be taken from by checking account and it did, however they also took a second mortgage payment on XXXX/XXXX/16. This is causing significant issues with my checking account. I have called twice. The first time I called on XX/XX/2016 I was advised that they were aware of the issue and I would have my funds returned to my checking account within XXXX business days. I called today XX/XX/2028 since I still do not have the funds in my checking account and was advised that the funds were sent back on XX/XX/2016. I called my bank XXXX and they do not have any pending credits for my checking account. I feel this is not good banking business, who through doing this over a holiday week was a good idea? I have not been able to pick up a XXXX gift because I do not have the money and now it will cost a lot more to get. I want compensation of some sort as this is now affecting my ability to pay my monthly bills and issuing credit for fees will not be the answer.
Consumer complaint received 2016-11-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (IL)

In the past months, I have been reviewing all my student loans and trying to make since of some recent changes. I asked for my loan disputes to be removed, however, they were removed but I see there was a change to XXXX of the XXXX XXXX Accounts. According to my credit report in XXXX of 2016 all my XXXX XXXX XXXX showed Closed and a XXXX balance with remarks stating something to the nature of " account transferred o the government ''. As of XXXX XXXX, 2016 it shows closed with a NEW balance of {$2.00}, XXXX and no remarks. How is this amount owed? I never received a written notification of this new amount owed for this debt.
Consumer complaint received 2017-01-31
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: BBVA FINANCIAL CORPORATION (AZ)

Statement of Facts 1. XXXX XXXX banker offered me a revolving line of credit for use for my professional medical practice of $ XXXX. This was issued on or around XX/XX/XXXX. He fraudulently induced me into this contract by stating this line of credit " would be automatically renewed '' ( see attachment ). 

2. The account was maintained responsibly, on time payments, never late or delinquent. 

3. When I went online to make the next on time payment XX/XX/XXXX no information was available about a payment due. When I went in person to the branch, the banker confirmed and accepted the minimum monthly payment of approximately {$600.00} which I made on or around XX/XX/XXXX. 

3. Because I was still unable to access any account information on or around XX/XX/XXXX my banker XXXX XXXX CA branch discovered that the balance of {$75000.00} was due and payable in full as of XX/XX/XXXX. However, he promised my credit would not be harmed in any way because he would reinstate the credit line so that the balance would not be due in full. ( XXXX had replaced XXXX who quit without informing XXXX of our agreement. ) 4. I did not receive any notification that the balance would be due on XX/XX/XXXX 

4. Subsequently, XXXX failed and refused to return my calls. Around XXXX I discovered that contrary to his promises, this account was reporting as XXXX days late, which ruined my credit score, and caused me medical, financial, and emotional losses. 

5. On or around XX/XX/XXXX I was informed that XXXX no longer worked at XXXX but he failed and refused to properly handle my account. 

6. The Bank agreed to remove the late payments due to the error under the condition that I agree to an installment loan of $ XXXX at a predatory interest rate of XXXX % interest per annum, wtih payments of {$2200.00}. I did not want an installment loan ; I wanted a revolving open line of credit for patient care and medical supplies which I was promised at the onset in XX/XX/XXXX. 

6. On XXXX I received and signed the new installment loan documents under duress and contrary to the written agreements of XXXX to automatically renew the line of credit. 

7. To date, as of XX/XX/XXXX, the Bank has failed and refused to update my account as paid in full never late. By inducing me to sign a new set of loan documents while not fixing my credit, the bank is putting me into an untenable position of denying me the ability or means to satisfy these obligations. 

8. Furthermore, I underwent a serious life-threatening medical procedure in XX/XX/XXXX, and the Bank 's mishandling and misrepresentation of these accounts has caused me mental and emotional anguish complicating my full recovery in which I have been denied adequate XXXX XXXX on the basis of my credit, causing me XXXX seeking protection under the Americans with XXXX XXXX ( XX/XX/XXXX ) and applicable law.
Consumer complaint received 2016-11-28
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Weltman, Weinberg & Reis Co., L.P.A. (OH)

I was sued in 2003 by Weltman Weinberg & Reis. I was never served any documentation requiring that I appear in court. Resultantly they obtained a default judgement against me. The lawfirm is aware that I was never served and instead of with drawing the judgement they continue to attempt to collect. The case is in the XXXX XXXX XXXX XXXX XXXX, Ohio. Case No. XXXX. Please help me I have exhausted every avenue known to me. I am at a loss with regard to how to successful right this wrong and I am frustrated.
Consumer complaint received 2016-12-28
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc (WA)

Here 's the situation : I 'm a medical student studying in XXXX, and moved here a couple of years ago from XXXX. My parents wanted to send me some money to help with tuition and living expenses, so I set up a XXXX PayPal account to transfer funds between my XXXX and American bank accounts, because the fees for international exchange would be cheaper that way. 

After verifying my XXXX PayPal and getting it fully activated, I tried to send the money my parents gave me ( about {$7000.00} XXXX from my XXXX account to my XXXX on XX/XX/2016. According to PayPal, it takes about XXXX business days to process an international e-check transaction, which was no problem. However, after that time passed and the transaction cleared from my bank account, it still remained " pending '' on my PayPal account, with the money not showing in the remaining balance on either side. I called them asking about it, and they said for XXXX transactions it can take up to XXXX business days. As you probably guessed, that time passed as well with no status change. I called my XXXX bank, and they said there was n't much they could do because the funds had already cleared from my bank account. I thought PayPal may have put a hold on it for risk assessment ( as they explain in their Terms of Service ), but they never notified me about it and as such it would be a breach of their TOS if it were in fact a hold. 

And so, I called PayPal again ( now over a month since the original transaction should have gone through ), and they said it was " an XXXX. issue '', and that they " have escalated it and are looking into it '', but would n't give me a time frame for when it would be resolved. It seems as though, despite the money clearing from my XXXX bank account, PayPal 's system did not recognize the reception of funds. 

Now, it 's been over a month since my tuition for this semester was due, and I do n't have enough to cover it without those funds. I 've contacted the financial office at my university, and they were very understanding and did n't assess any late fees ; however, they did say it could affect my ability to register for class next term if it is n't paid by then. 

I am submitting this complaint now because, after XXXX months of waiting, XXXX separate calls and countless assurances that my issue would " be resolved soon '', I feel I have no other choice.
Consumer complaint received 2017-02-01
Product: Debt collection — Auto
Issue: Communication tactics — Threatened to take legal action
Company: Investment Retrievers, Inc. (CA)

My name is XXXX XXXX an authorized individual to handle the account for a XXXX XXXX XXXX. I spoke to the Collection manager XXXX XXXX which, at the beginning he seemed helpful in trying to resolve a matter, the next day I e-mailed and called him to let him know I got XXXX to commit to a settlement, he then turned and said he ca n't do it and he started saying he would take legal action against XXXX, I tried to warn him he can not use threats and he proceeded to say this is what he does all the time. He violated numerous FDCPA infractions and compensation is warranted for these actions. Collection Managers should never conduct themselves the way he did. I 've contacted his compliant officer and they can not obtain the call recording. They have asked me to provide it for them and they are hoping there is no evidence of this call. Please help
Consumer complaint received 2017-03-20
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

Dear CFPB Staff, I initially contacted Transunion Credit Reporting Agency back on XX/XX/2017 requesting a copy of my free annual credit report and to update my address since I had retired and moved. 
They sent me a letter back saying I needed to send them proof and to mail them my Identity papers along with a copy of my Utility bill to show my current address. This I have done, but I have still have not heard back from them. It 's been over 60 days. 
Would you please help? 
I want to thank you in advance for your help and look forward to hearing from you shortly. Please let me know if there is anything else you may need. 
Sincerely, XXXX
Consumer complaint received 2016-10-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (IA)

XX/XX/XXXX I called Citi Gold Checking Services to inquire about a current promotion. Citi verified when I called in that I was able to open a checking account and if I completed the necessary requirements ( 2 bills pays in 2 consecutive months ) then I would receive XXXX Citi ThankYou points. 

I also currently have the Citi Prestige card which has a {$450.00} annual fee. Once I signed up for the checking account Citi for some reason sent me back a portion of my annual fee I already paid with no explanation. Then they charged me the full amount of the annual fee with no explanation so I am out over {$100.00}. ( Complaint # 1 ) I completed 2 bill pays in consecutive months and called back into Citi to confirm that the necessary requirements were met - they confirmed this verbally but then said I had to wait 90 days until these points would be added to my account. Waiting was no problem. Once 90 days came I called in again to see where my points were. They said that they should be showing up at any time. Another month later with no points they said they were coming. At this point Citi was charging me $ XXXX/month to keep this account open. 
Finally I called in again and Citi said that they would review my account to see why I had not received my points since I did meet the account requirements to receive these points. 
Another month went by and I received a letter in the mail from Citi stating that I did not qualify for the promotion since I was not targeted. 
I called in and Citi said I was not targeted for the promotion so they would not give me my XXXX ThankYou points. I said that I had called in to verify that I qualified before applying but they dismissed by claims. ( Complaint # 2 ) On top of this all, Citi was charging me $ XXXX/month to see where my points were. My account just reached {$0.00} and evidently they automatically closed the account. I called in and they said my account was closed due to inactivity/insufficient funds. This is because they took out the monthly fees while I was trying to work with them on where my points were. ( Complaint # 3 )
Consumer complaint received 2016-11-25
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (NY)

I was trying to submit a credit report request for my boys, who are 7, since I received a mailer from XXXX with both of their names on it. Tried to use Experian 's Online Request form, but the system would not take any of my online documents, even after redoing them to the specs they requested ( PDF or TIFF and no color documents ). Unfortunately, the automated system did n't give me an option to address this. I 'm not comfortable sending this documentation in the mail since it would contain ALL the necessary information to create accounts in both my kids ' names and mine as well since it requires me to submit a copy of my Gov't ID and utility bill. Is there a more secure way of quickly doing this? XXXX had the most efficient way of submitting a request and ca n't understand why all three do n't have this.
Consumer complaint received 2017-03-20
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CNG FINANCIAL CORPORATION (CA)

Calling me at work, threatening me. Call back hang up in my face. Attempting to collect a debt that is not owed. I do not have a contract or agreement with this company. I have never obtained money from them. The original pay day loan company was paid in full.