davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-09
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the closure of my Citi Bank credit card account without prior notice or a valid explanation. 

I got mails from citi around XX/XX/XXXX that my checking and saving account will be closed. 
I called Citi bank on XX/XX/XXXX and got no answers of the reason. In this call, I asked if my credit account will be closed and the answer was clearly no. 

Today when I login in my account I found my credit card account is also closed. I called Citi again and the representative told me I need to write a letter to their credit card services department. 

I have always maintained my account in good standing, consistently making timely payments and never exceeding my credit limit. This action was taken without any advance warning, and upon contacting Citi Bank 's customer service, I was not provided with a satisfactory explanation for the closure. I feel like I've been cheated as they told me it wouldn't be closed. 

This sudden closure has not only inconvenienced me but may also negatively impact my credit score, as the closure reduces my available credit and affects my credit utilization ratio. I still have around XXXX reward points in this account and I can't redeem them now. I believe this action is unfair and unjustified, given my responsible account management.
Consumer complaint received 2020-08-18
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: BARCLAYS BANK DELAWARE (CA)

I purchased a pair of " XXXX '' brand denim shorts from a reselling site, XXXX, on XX/XX/2020 in the amount of {$120.00}. The item was delivered on XX/XX/XXXX, and the item was completely different from the description, and was by the brand " XXXX '', which is considerably cheaper than the brand I ordered. I contacted XXXX first to ask for a return, but after a few messages, I received no reply and after a few days, the case was marked as closed. I then sent the details to my Barclays account ( I used my Uber Visa credit card ), and then they sent me a letter stating that my card was verified for the purchase. This was completely different from the issue I filed it under, which was that I received false/inauthentic goods. I asked for the issue to be reopened, and I received a letter stating the exact same thing, resolving my case. I contacted customer service asking why my dispute was resolved under a different issue that it was filed under, and the only response they could give me was to file another dispute.
Consumer complaint received 2024-10-09
Product: Credit 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: DISCOVER BANK (PA)

I made disputes of XXXX purchases and discover has not been helpful with refunding the charges. the XXXX purchases were XXXX - {$17.00} from XXXXXXXX XXXX XXXX XXXX XXXX {$15.00} and XXXX XXXX {$28.00}, both from XXXXXXXX XXXX The food from the pizzeria made me physically ill and i also got bad service. The disputes for the transportation company left me stranded for both of those charges, causing me to pay for an alternate route home that exceeded what i paid XXXX for transporting me home Discover has done no investigation, theyre only response is to have the companies write me a letter agreeing to a refund. The whole reason for disputing with my card company is to get support for a purchase when the com
Consumer complaint received 2024-10-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

I am submitting this complaint regarding Chases unjust closure of my personal checking account and the complete lack of transparency throughout the process. 

On XX/XX/year>, I opened a personal checking account with Chase ( Account Number : XXXX ) via their online portal. The account was opened successfully, and I had begun the process of switching my direct deposits to this account. 

However, on XX/XX/year>, I received an email from Chase stating, To protect against potential fraud, we restricted your account and may close it soon. Upon attempting to log in, I found my online access was disabled without any warning, and I was instructed to contact customer service. This is where the nightmare began. 

I contacted Chase immediately on XX/XX/year>, and after speaking with several representatives, I was informed that my account was being closed, that I was permanently barred from opening any future accounts with Chase, and that my funds would be held for an unspecified period before eventually being mailed to me. When I asked why this was happening, I was repeatedly told that my account was flagged for suspicious activity, despite the fact that I had not made any transactions on the account. 

Each time I requested details on what suspicious activity had occurred or how I could address the issue, I was given the same vague response. I spoke with a supervisor who simply reiterated that I had violated the Terms and Conditions in Section 1, subsection I, yet no further clarification was provided.

When I was transferred to another specialist, I was informed that the process of identifying suspicious activity was a trade secret. This is an unacceptable response, as I am now left without the ability to access my account, and as a result, I am facing financial hardship due to outstanding invoices and direct deposits being linked to this account. 

This entire experience has been both frustrating and financially damaging. After researching the issue, I have discovered that Chase has a pattern of closing accounts without providing adequate explanations, affecting many other customers like myself. 

I am urgently requesting the Consumer Financial Protection Bureau 's assistance in holding Chase accountable for their lack of transparency and their unjust treatment of customers. I ask that my account be reopened, or at the very least, that Chase provide a clear explanation of the alleged suspicious activity and the specific reasons behind their decision to close my account and bar me from banking with them. 

Thank you for your time and assistance in resolving this matter.
Consumer complaint received 2024-10-09
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Security Credit Services, LLC (CA)

XX/XX/year> XXXX contacted myself as I was hospitalized claiming that if I made a payment right then and XXXX more payments XXXX weeks apart that I would be able to save my loan from being charged off. I gave them my credit card information and they processed my payment immediately while on the line with me. It was under false pretense as I now know that they had already or soon after sold my account. I spoke with XXXX and they are only saying that the payment arrangement they made with me wasnt able to prevent charge off even though I asked several times before making the payment if this was Forsure going to face my account and was reassured through out everything correspondence that it was sufficient.
Consumer complaint received 2024-10-08
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc. (TX)

Excessive phone calls from ProCollect, filling my voicemail box full. Called home office on XX/XX/scrub>XXXX  and was asked for an account number. The representative was rude when I told her I didnt have one and told her I never received anything in writing and she proceeded to tell me she did not have my mailing address that was given to the property manager over a year ago. I was told I could not make payments over 2 months and then when I asked to speak to a manager he told me I could do 6 months and tried to make it seem like I wasnt lied to before speaking to him. They are charging a debt collecting fee of {$7.00} per payment and did not give me a reason why. This made the total amount over the actual cost of the debt. Then I was hung up on and was refused to speak to anyone else.
Consumer complaint received 2020-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MO)

I currently have a Citibank XXXX credit card. I have always made on time payments and have never been late. My credit limit on this card was {$7000.00}. My XXXX statement showed my balance to be {$3700.00} still with the {$7000.00} credit limit. We used the card for vacation the first part of XXXX, I charged a total amount of around {$2200.00} on the card still not hitting the usable credit limit. In the month of XXXX I made payments to them in the amount of {$1600.00}. My goal over the next few months was to get my usage down to below 50 %. I then receive my statement for XXXX and see that my next month payment which is due on XXXX is in the amount of {$600.00} and some change. I contacted Citibank and was told that they lowered my credit limit after I returned from vacation to {$4000.00} and the reason my payment for XXXX is so high is because since they lowered the spending limit I have now " considered '' to be over my limit. I don't have a problem with them lowering my spending limit, but my concern is that this will show on my credit report as being over the limit. I have always made payments to them for more than the payment amount was to be. What are my options??
Consumer complaint received 2020-08-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAVALRY INVESTMENTS, LLC (CA)

Recevied notice that an assumed debt was owed by debt buyer Cavalry SPV, LLC in XXXX of XXXX. Sent via signature required return receipt request XX/XX/XXXX & confirmed their receipt on XX/XX/XXXX for Validation via the FDCPA. They failed to validate the account as requested and written notice again sent by signature required return receipt on XX/XX/XXXX to cease & decist collection action and efforts based on this failure and per the FCDPA was sent with confirmed receipt on XX/XX/XXXX along with notice of same to XXXX, XXXX XXXX XXXX. Acct was removed and no further action was received or seen until XXXX, where again Calvary errouniously began reporting to credit bureaus of the assumed debt but sent or made no other collection action. Sent notice again to all agencies and parties in XX/XX/XXXX with no avail. I am sending a final notice to update accordingly to the credit bureaus but wish to file a complaint on Calvary for their actions that further harm my credit rating but give no direct contact for further dispute.
Consumer complaint received 2020-08-18
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. (NY)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2020-08-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

I received a payday loan from Ace Cash Express and it has fallen into default. I have been unemployed for the better part of the year and have begun receiving calls from someone named XXXX XXXX at a collection agency and when I called back to speak to him, I was told that person does not work at that agency. Then I spoke to someone who said i was being charged over a XXXX dollars in court fees aside from my borrowed amount. I called ace cash and they told me to call XXXX and no one answers I have called so many times trying to speak to someone about payment options. I told the other people XXXX XXXX to stop calling me and they have kept calling me and will not leave me alone.
Consumer complaint received 2020-08-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (CA)

So on XX/XX/2020 at XXXX I was approached via offer up customer that wanted to buy my tablet I was selling and he told he he would give me more then I asked for so I asked for XXXX and he was gon na give me XXXX and well he told me he would pay it thru XXXX so I was like okay thats fine and I then I received a message from XXXX saying that I needed to send the tracking number so I did and then he asked me to give him XXXX dollars because the shipping that I payed was less then he expected so I did that and well it seems odd to me cause I would only receive emails from the suppose XXXX but on my XXXX app it would notify that that theres a pending transaction so it seemed sketchy to me But I trusted the guy and wel then the email texted me saying in order to credit my XXXX account they I need to send the buyer XXXX to make my account a business account In order for them to procces the money the buyer owed me so I did that trusting in the situation but then they hit me with the next day that I needed to send the buyer thru Cashapp an extra XXXX cause supposley the buyer send XXXX extra but I didnt belive it it seems so much like a scam and he even was being aggressive for me to send the XXXX right away and When I told him that This felt like a scam he hit me with I dont want u playing games or else imma send ur information to the fbi wen all I have been was being compliant with everything and he threaten me as well multiple times and I have text messages to prove it and the fund that I send where thru ( Cashapp ) I really want to recover my XXXX dollars please help me get out of this scam I also went ahead contact ups and they are in the procces of returning my XXXX  that I had delivered and they problem is he took from me XXXX and I requested a refund thru cash app and the guy that scammed me declined my refund and also I replied to the suppose XXXX email that it was a scam and they didnt respond back so it seemed even more weird that they could have been like its not but they didnt deny it and in the picture imma show u it shows there just a heads up on the messages of the screen shot I send you guys Im the color green bubble hes the black bubble
Consumer complaint received 2020-08-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: SYNCHRONY FINANCIAL (NJ)

I have an account with PayPal and PayPal credit. I get my statements emailed to me each month, and pay the " balance needed to avoid fees ''. I recently received a statement with a late fee of {$39.00}. I pay directly from my bank, XXXX to PayPal. XXXX shows that it takes two days to process. I went online to check my PayPal account, and searched my transactions going back to the beginning of the year. There are no late fees posted on line. I called PayPal and reviewed my statements and PayPal has been posting my transactions a day after the " due by date ''. They blame the bank. 

The reason for my complaint is that I check my transactions online. They do not post late fees online, only on the physical paper statement which I don't check. I know this is my fault. I reviewed the account statements with the customer service representative and it turns out four times this year my payment was posted a day late and I was charged a {$39.00} late fee on four separate occasions. None of these late fees appear on my PayPal activity. Had they posted the late fees online, I would surely have seen this. 

While I take full responsibility for my actions and not checking my paper statement each month, the fact that they knowingly do not post these fees on my online statement activity leads me to believe that this could be a large problem for many other people. 

I feel that this is a fraudulent attempt by PayPal to charge fees that their users who rely predominantly on " on-line '' statements will not see.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

I have been carefully reviewing my recent credit reports and noticed that some of my personal information is being reported inaccurately. To assist in correcting and updating these errors, I have attached copies of my identification documents for your verification. Please review them and ensure that the necessary changes are made to reflect the correct information on my report. Please make sure that there is only 1 address and 1 name reporting no aliases and such. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (IL)

The loans solution center for XXXX-XXXX  XXXX  warns callers that if they request forbearance it will have direct negative impact on their credit report. This warning goes against the specific wording of the cares act which states that requesting covid-19 for barents on your FHA or otherwise XXXX  protected loan will not negatively impact your credit report or history.

after 2.5 hours on the phone waiting on hold there was not a representative available at loan solution center or XXXX-XXXX  mortgage that was able to address this specific issue. 
This is a specific and direct attempt to bypass the cares act and avoid issuing GSE and FHA protected covid-19 forbearances.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (MA)

sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX XXXX to seek their assistance in resolving this issue. 

Please find below my reasons for dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-18
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. (AR)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX  XXXX XXXX {$100.00} XXXX XXXX {$400.00} XXXX XXXX XXXX {$70.00} XXXX XXXX {$660.00} XXXX XXXX {$490.00} XXXX XXXX XXXX {$4000.00}
Consumer complaint received 2020-08-18
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. (AR)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX  XXXX XXXX {$100.00} XXXX XXXX {$400.00} XXXX XXXX XXXX {$70.00} XXXX XXXX {$660.00} XXXX XXXX {$490.00} XXXX XXXX XXXX {$4000.00}
Consumer complaint received 2024-10-08
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc. (TX)

When I moved out I never received an itemized receipt from XXXX XXXX. I never received proof of any of the extra charges they charged after I moved out. As a matter of fact I never heard from them after moving out at all. Next thing I know I have a collection account on my credit which severely affected my credit. The credit collector also did not send me anything about the alleged debt. Both parties are in violation of Texas law. Its well past the 30 day mark in which the property was to send an itemized list along with actual proof. And beyond the 30 days for the credit collector to send me anything.