davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-09
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A. (WA)

Citi Bank has denied me access to my checking account where over {$1500.00} is fudned. 

1. Can not bill pay 2. Can not transfer money in or out 3. Can not view charges or transactions or statements. 

Unethical and unprofessional conduct of Citi Bank continues. 

4. Bills will be LATE payment due to lack of access to funds Can not CALL and can not login online. 

Citi Bank is RUTHLESS!! 

DEMAND - APOLOGY and
Consumer complaint received 2018-03-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: APEX Asset Management, LLC (PA)

Debt Collector states this account was open this year with an Balance of {$290.00}, I haven't visited of seen a doctor at XXXX XXXX XXXX XXXX NJ the year of 2018.
Consumer complaint received 2017-01-06
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Freedom Mortgage Company (GA)

My mortgage company never disclosed to me how much equity was in home. I refinanced for a lower interest rate to XXXX in XX/XX/XXXX. I was never told the amount that I could receive for refinancing no paper. So now I went to refinance for a cash out in XX/XX/XXXX to consolidate all my debt into XXXX and was told that have gaps in my employment. Not to mention I called to verify if all of my documents was received and then I got the bad news. 
I am currently with the same mortgage company presently and they sent me a letter stating that I withdrew my application which was false. My current mortgage balance is XXXX and my current market value is XXXX plus. My mortgage company valued my house at XXXX in XX/XX/XXXX. Now it is valued at XXXX my loan application with them in XX/XX/XXXX. So I never was disclosed that amount I could have got when I refinance in XX/XX/XXXX. 
I purchased my house in XX/XX/XXXX and refinance for a lower interest rate with my current company. I feel that they have done some practices that was not fair disclosing the amount I could have received at refinancing and if possible what was the amount I could have received then and I could have paid down college loans, car payment or put the money back in my home. As a consumer I feel that I was taken advantage of by this and given false information so deceiving. 
Please help where did the money go because I was n't told about the amount XXXX XXXX
Consumer complaint received 2016-04-18
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (LA)

I received a call from Shell on Sunday regarding my Shell Credit Card. She said that my account was delinquent. I checked my bank account and it showed that I had scheduled a payment for the full balance on the due date which was XXXX XXXX. I related that I had schedule a payment on the due date and they should have received it by now. She then checked Shell pending transaction account. She related that it showed a payment pending for payment of the full balance. She then related that it take 4 to 5 business days for a payment to clear. I inquired if I was charged a late charge for the slow processing of my payment. She said that I was charged a {$25.00} late fee. After I complained she agreed to reverse it ; however, it would take up to two billing cycles before it would appear on my account. I have noticed recently that I have been charged late fees on my Shell account. I checked back on my bank account on previous months and noticed that I have always paid on the due date but have been charged a late fee because Shell did not process my payment on time. My question is how many people has this happened. Is my account delinquent because Shell failed to process my payment in a timely manner? Shell is misstating the due date if it takes 4 to 5 days to process the payment?
Consumer complaint received 2016-07-23
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (NY)

MY COMPLAINT IS AGAINST ( CITICARDS XXXX XXXX WHO IS THE DIRECTOR OF CITICARDS ) FOR DEPARTMENT NATIONAL BANK. MY COMPLAINT IS REGARDING {$400.00} IN ILLEGAL LATE FEES THAT XXXX BEGAN APPLYING TOO MY ACCOUNT XX/XX/XXXX WHEN XXXX XXXX TO PROCESS A PAYMENT I SCHEDULED FOR MY XX/XX/XXXX XXXX I LEARNED THAT MACY DID N'T PROCESS MY PAYMENT AND BEGAN APPLYING LATE FEES I QUICKLY ISSUED ANOTHER PAYMENT AND CONTACTED MACY TO FIND OUT Y THEY DID N'T PROCESS MY PAYMENT THE CUSTOMER SERVICE TOLD ME THAT SINCE IT WAS THE FIRST TIME IN 7 YEARS I RECEIVED A LATE FEE THEY WOULD REVERSE IT WELL THEY NEVER REVERSE IT AND INSTEAD ADDED THE LATE FEE TO MY NEXT MONTHS PAYMENT ALONG WITH ANOTHER LATE FEE .I FILED A COMPLAINT CFPB AND MACY EXECUTIVE OFFICE NEVER RESPONDED UNTIL I CONTACTED A XXXX XXXX AND INFORMED HER OF MY PROBLEM .XX/XX/XXXX I FINALLY RECEIVED A LETTER FROM MACY EXECUTIVE OFFICE IN AZ BY THAT TIME MACY HAD APPLIED OVER {$100.00} IN LATE FEES.
Consumer complaint received 2016-12-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (WA)

This charge in the amount of {$420.00} was paid on XXXX/XXXX/2016 to Central Credit Services. I have all supporting documentation showing proof of payment. On XXXX/XXXX/2016, i received notification from XXXX stating it had posted as a 'collections ' account. I called Central Credit Services and they told me i still owed the amount that was paid on XXXX/XXXX/2016. I faxed proof of payment. They verified it was received but were not willing to tell me if my balance was now cleared and in good standing. I am now in process of disputing this charge through XXXX. I 'm concerned that since they wo n't verify that my account is settled that they are trying again to steal the {$420.00} from me.
Consumer complaint received 2016-08-04
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A. (CA)

In XXXX of 2016, I applied for a " Costco Anywhere Visa Card by Citi '' and was given a line of credit of {$11000.00}. After 5 weeks, I did not receive the card in the mail. I contacted CIti at XXXX and was transferred to the fraud department. I spoke with XXXX XXXX, employee # XXXX. I was informed by the rep that Citi sent the credit card to a different adress. The rep then stated I could not receive another card without " verification '' of who I was. The rep began to ask " verification '' question pertaining to my home loan and other information that I did not provide to Citi when I applied for credit. I did provide my full SSN and password. However, that information was not sufficient to very my identity and the rep told me they could not help me. I am concerned my credit card may have been given to someone else who may be using it without my consent. Citi is refusing to give me any information or any form of help whatsoever. They " are very sorry '' though.
Consumer complaint received 2020-07-10
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2020, my credit card had three charges that I did not make, one was to the XXXX XXXX XXXX  for {$41.00}, a charge to XXXX XXXX for {$13.00} and one for XXXX for {$87.00}. There was also a fraudulent deposit from a fake account from XXXX XXXX  to my credit card. I was able to get the account number for the XXXX that deposited money into my account. I called XXXX XXXX  and they said there was nothing the can do because the account was not under my name. 

The bank of America Credit card first refunded my three charges. The fraudulent deposit from the fake account eventually came back as fraud. 

However, a month later my charges showed up again and the bank claimed that I had made the charges, even though I had not. I have sent Bank of America a formal letter about the dispute. 

The was from a Bank of America credit card.
Consumer complaint received 2020-07-10
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. (FL)

AFTER REVIEWING MY CREDIT REPORT, I HAVE FOUND AN ACCOUNT AND FEW INQUIRIES REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS ACCOUNT AND INQUIRIES HAVE CAUSED A HUGE DROP IN MY CREDIT SCORE. THE ACCOUNT AND INQUIRIES DO NOT BELONG TO ME AND DOES NOT BELONG ON MY CREDIT FILE. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2015-12-07
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (WI)

My mother has a reverse mortgage on her home. The mortgage was sold to Champion Mortgage and since then they 've harassed my mother constantly. Now they say that she is dead and the loan will be due and payable and they will foreclose on the home. My mother is very much alive, and was even interviewed on camera today, from our local news station XXXX. They 've been very cruel to her on the phone, and would not tell her, or me ( her daughter ) how they came to this conclusion. The stress that this has caused my mother and family, is too much.
Consumer complaint received 2015-08-26
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (AZ)

The following message/alert from Citi Cards has been showing on my online account homepage for several weeks : " We have reissued a new Citi ( R ) XXXX ( R ) with the same account number as your current card. A new card is being mailed and should arrive soon. This replacement card may have been requested by an authorized user ( s ) on the account or is a new card being issued to you by Citi. '' An authorized user did not make a request, so I knew the card was being issued to me by Citi. I did not now what for, but I assumed it was to replace my current card with an expiration of XXXX XXXX, 2015. Today, XXXX XXXX, 2015, I utilized online chat with customer service to find out where the card was and was told the card was issued on XXXX XXXX, 2015 and should have been mailed 7-10 days prior to this date. I was even more confused so I called ( by telephone ) Citi customer service to find out exactly when the reissued card was mailed. It worried me very much that the card had been lost or stolen if in fact it was mailed months ago. The representative told me the card was n't even mailed yet and since my card expiration date was n't even until the end of XXXX, that it would not be mailed for several more weeks ... which I was expecting anyhow since again my card was n't even near expiration. Citi needs to fix this apparent technical glitch that shows the " mailing message/alert '' online so it does not cause worry for customers wondering where their new/reissued cards are located.
Consumer complaint received 2016-12-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Adjustment Service, Inc. (TN)

Despite written communication asking them to cease communications ( notice received on XXXX ), collector continues to contact me ( last call received XXXX, XXXX XXXX ). Collection company violated FCRA by not verifying whatever this debt is and by continuing calls after receiving a do not call notice.
Consumer complaint received 2015-11-14
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I purchased a vehicle from Ohio XXXX XXXX under false and deceptive practices. My credit application was falsified to secure the loan that now I am unable to afford. They prayed on my vulnerability because at the time I needed a vehicle. They conspired with Fifth Third Bank, which in turn sold the account to XXXX XXXX XXXX, knowingly that evidently I would default on the loan due to my inability to pay ... .PREDATORY LENDING. Now I am stuck in this loan with high interest and high car payments, owing way more on this vehicle than what it 's worth. I was never offered a carfax for this vehicle and after purchasing one on my own, found out that it was one of a fleet of rental cars. Based on the federal " XXXX XXXX '', this information should of been disclosed to me as a consumer in the purchase. I tried in vain to take the vehicle back to the dealership and was deceived several times. I simply can not afford this vehicle. It will probably be repossessed.
Consumer complaint received 2015-09-20
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aspen National Financial, Inc. (CO)

In XX/XX/XXXX I wrote to Aspen national Debit collection to verify a debit, which they did. I wrote back and acknowledge my debit with an explanation of the amount of payments of could make and the amount owe according to my calculations. I stated that I was sending my first payment in good faith. I then stated that if they cashed my check and I did not hear from them, they had accept my offer. They cashed my check and I never heard from them again. In XX/XX/XXXX I wrote to say that I had paid my debt since I had received no communication, then about ten days later I received a notice from XXXX XXXX stating I still had a balance. Up to this time my original communication and all later was made through XXXX XXXX. In XXXX I resent for the third time my original agreement letter .Around the XX/XX/XXXX I received a phone message message fon Aspen Collections , so I returned the call. I spoke with XXXX XXXX and he said I owed so much money. I reminded him about my letter and he stated " we have received a lot of letters from you. '' He continued to say that they do not make any deals and I owed the money. I stated that they cashed my check and according to the terms of my letter, they made an agreement, and no one has ever contacted me. He Said " we have tried on numerous occasions to contact you. '' Not true! At that point I asked to speak to XXXX XXXX and was told there was no one there by that name. All my communication was sent to the XXXX XXXX with the same address XXXX XXXX called from.
Consumer complaint received 2016-09-15
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (CA)

Citi closed my credit card and asked me to pay the remaining balance on the card. I did not receive any of the statements after the card was closed, and my access to online statements and online bill pay was blocked by Citi. When I called in, I was given no information on my account, and was told that I would receive a call back from a supervisor to discuss the issue within 1-2 days. I never got that call back. I was charged late fees and interest totalling {$50.00}, which I refuse to pay. I was told that I have to pay these fees because the statement was sent. Bottom line is, I did not receive any letters, statements, emails, notifications, texts, or communications of any kind after my account was closed. I was told by Citi that in order to get the fees removed, I would have to write a letter to the President. This is ridiculous and extremely disrespectful of my time.
Consumer complaint received 2016-08-02
Product: Credit card — 
Issue: APR or interest rate — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I have a credit card for our business with 5/3rd Bank out of XXXX, OH. I have had this card for over 10 years and in the past had done all of my business with 5/3rd until the 2008 housing crisis. At that time, I was trying to get another mortgage and a Senior VP at 5/3rd lied to me during those negotiation and was eventually fired for mistreating me. I then took all of my corporate business to XXXX Bank in XXXX, with the exception of this XXXX credit card. I have an excellent credit rating and I have paid on time for years. However, a month ago, I did not get my statement in the mail and before I realized that I had not paid it, my payment was 10 days late. The next month, I found that they had raised my interest rate from 9.24 % to 29.99 % just for being 10 days late. That is a penalty of {$220.00} per month! They have now informed me that this penalty will be in place for six months! Meaning that they are going to penalize me {$1300.00} for being 10 days late on XXXX payment. Clearly this is predatory. Certainly, they are trying to drive my business away. I have no problem with that, I just have a huge problem with how they are doing it. That is a lot of money for any small businesses and many would not be able to take their business elsewhere. This simply is wrong and I ask the CFPB to investigate this practice at 5/3rd Bank to see how wide spread this predatory practice is and how many businesses have been affected. Then I ask that you take action to get them to repay me and the other business victims for the money that they have literally stolen from us.
Consumer complaint received 2016-02-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TRANSWORLD SYSTEMS INC (NY)

Transworld is representing XXXX in a collection claim that I owe over {$1800.00}. The charge is for a {$25.00} per month instrument rental in late XXXX and the last bill I viewed was for under {$200.00}. The instrument was lost and then found. I returned it in good condition to XXXX in XXXX XXXX. I have receipt of return. I asked for an itemized bill to view the charges, and Transworld replied they do not have one. They said they will try to get XXXX from XXXX but can not advise if or when they will have a summary of the charges. Transworld refuses to provide direct contact information to me so I can have a legal representative request a bill on my behalf in writing. I asked for an email address or contact name an phone number so I can have my lawyer request the information and Transworld 's response was : give me your lawyer 's name and phone number and we will call him ( XXXX XXXX with Transworld ). I called back and gave the answering rep. my lawyer 's name and the new rep refused to discuss the matter further.
Consumer complaint received 2016-07-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (PA)

Since XXXX 2016 when I was shocked to receive a collection notice for a telephone account fraudulently opened in my name, I have been trying to get XXXX to resolve the problem. I have submitted the requisite identification information and police report multiple times over these months, but have been unable to get any action from XXXX to remove the adverse information from my credit reports for this case of identity theft. The credit reporting agencies will not remove this adverse information ( the ONLY adverse information appearing ) until XXXX acknowledges the fact that the account is not mine.
Consumer complaint received 2016-09-22
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: AMERICAN EXPRESS COMPANY (OH)

I have an American Express Serve Card. On Tuesday XXXX/XXXX/2016 I received a deposit from my XXXX in the amount of {$590.00}, this deposit was from a hardship withdraw that I submitted for so that I could pay my rent since I am facing eviction. Around XXXX I went to XXXX on XXXX in XXXX , Ohio to withdraw the money via ATM. This bank 's ATM is on the list of bank 's Serve customer 's may go to withdraw money for no fee. I put my card in and selected the amount of {$580.00} to withdraw. The machine stated it was dispensing my money, the machine kept making noises like it was counting but no money ever came out. I went inside the branch and explained what happened and was told that there was someone working on the ATM at that time and per the teller, if no money was dispensed, then it should not have came off my card. I went to check my card and American Express had immediately taken the money and hard posted it to my account. I called the American Express and spoke to a supervisor named XXXX, she just told me I had to file a complaint and it could take up to 45 days. I asked to be transferred to a manager and I forgot to take her name down. She understood the severity of this, since this was a large amount of money and me and my XXXX children are about to be put out of our house. She went and started the dispute process and advised me to fax my letter explaining everything to XXXX. She advised she would try to get this resolved quickly. I faxed my letter on XXXX/XXXX/2016, I then called to follow up today Thursday XXXX/XXXX/2016. I spoke with a rep and a manager by the name of XXXX, who has no care in world. Advised her that my landlord is giving me till XXXX/XXXX/2016 to pay my rent or else we have to go. She says with no care in the world, I have to wait till XXXX XXXX that is when the dispute team said they will look at this issue again. I ca n't wait till XXXX. I use to bank with XXXX and when an ATM transaction was done it would pend for at least 24 hours and then hard post. American Express takes the money off my card immediately and will not put it back that fast. I 'm upset because this is pretty much theft in my eyes, my money has been taken, but I never received it and now I ca n't pay my rent and American Express will not take care of this in a manner of seriousness.
Consumer complaint received 2016-12-22
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: National Credit Systems,Inc. (NY)

I have made several attempts with National Credit Systems to resolve a matter placed in their office. Numerous times they have violated the FDCPA in regard to validation. This matter is in regard to an apartment complex I was evicted from. National Credit System 's XXXX XXXX XXXX, stated the validation letter was mailed to the address I was evicted from. I updated the address months ago. I did not receive validation but a demand letter for an account that was not XXXX XXXX but an account that was out of statue. I call to advised. They apologized but never since the validation. This over 6 months ago. According to the FDCPA and state laws National Credit System has 30 days to get that validation to. In addition, National Credit System has never attempted to negotiate the debt. They made no attempts to contact. All communication has been on my part with the exception of a voicemail message rec 'd XXXX/XXXX/2016 from XXXX XXXX while I was holding on the other line. This company has hung up on me several times. They have been argumentative and rude.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

Hello, My name is XXXX XXXX. There are a lot of accounts, incorrect addresses and names mentioned on my credit report for both XXXX XXXX Equifax that I do not recognize. 

Thank You.