davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

XXXX   XXXX  - Navient statement reflects I am close to paying off my loan.    XXXX  - ca ll Navient about my  final payment because I owe less than my monthly payment of {$450.00}, told I would receive refund.    XXXX  - received refund check from Navient for {$64.00}  XXXX  - received of of letter of congratulations dated  XX/XX/XXXX  on paying off my loan.    XXXX  - received a letter dated  XX/XX/XXXX  stating that an incorrect payment was credited to my account and removed and my payment was past due. The principle due was not included on the statement. The statement also said the next payment was due  XX/XX/XXXX .    XXXX  -   XXXX   payments began to be deducted again. My interest payment went up because they did not make a deduction in  XXXX . Have yet to call about that!       Numerous calls were made to Navient. I had shredded my paper statements thinking I had paid off the loan when come to find out I actually still owed about {$13000.00}. I asked for a hard copy of all payments. I was not happy that the information did not show the declining principle.It also did not show the mistaken credit to my account but when I looked at my account on line it shows a transaction on  XX/XX/XXXX  with  XXXX  payment. All other transactions occurred on the second day of the month.       During one call my husband made to Navient regarding crediting our account by mistake he was asked if he knew a  XXXX   XXXX .  XXXX   XXXX  is my older brother who lives in Massachusetts! I made a call to my brother asking if he had recently had any problems with Navient. It turns out he and his wife made a payment to Navient in  XXXX  of  XXXX  to pay off their loan.They were harassed by Navient from  XXXX   XXXX  to  XXXX   XXXX  for non payment even though they had the cancelled check Navient had cashed!! It turns out that Navient my brothers payment to my account! How this could occur I do n't know.    XXXX
Consumer complaint received 2024-11-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (CT)

I was sent an email by Citibank with an offer of {$300.00} if I opened a savings account using the link they provided and made XXXX direct deposits totalling at least {$1500.00} within 90 days. 

I closed my account with XXXX XXXX XXXXXXXX to take advantage of this offer. I followed their link, signed up, went to the branch and showed my ID for verification purposes, I then began using the account to do all my banking, pay my bills and I made multiple direct deposits of my paycheck directly to the account ( more than {$5000.00} ). 

I called them when the bonus did not arrive as scheduled and was told I am not listed as eligible for a bonus. They did not give any reason. 

A brief search of the internet shows that Citi has been denying these bonuses to hundreds of people with no rationale and even suggests they are doing so because they had more people respond than they wished to cover.
Consumer complaint received 2016-01-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (VA)

There are XXXX accounts that I disputed with Equifax XXXX and XXXX Credit reporting agencies.. The first was a tax lien that is incorrect. I submitted the paper work that proves that the tax lien was based on an improper XXXX filed by a former employer. The former employer corrected the XXXX and that should have erased the tax debt. Attached is a letter I submitted to the IRS that explains what and why they corrected my file. Also attached is the corrected IRS transcript and the correct XXXX. Equifax XXXX and XXXX stated that they investigated this lien and concluded that it was correct. But they did not provide me with who they contacted or any other information that they gathered or obtained to come to their conclusions. Per the Fair credit Reporting Act they are responsible to provide me with this information. The other XXXX accounts Were hospital collections. I contacted the collection agency and they informed me that the debts were paid. Equifax XXXX and XXXX neither provided me with who they contacted to investigate these accounts or their phone numbers and conversations. It is my belief that they are reporting false information of these XXXX accounts that are affecting me directly. I need someone to help me to resolve this since Equifax XXXX and XXXX has failed to cooperate with me. Thank you.
Consumer complaint received 2024-11-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WEBULL PAY HOLDINGS (US) INC (NY)

I opened a new account with Webull Pay, with an intent to invest in cryptocurrency. However, given the surge in cryptocurrency prices recently, I no longer want to invest and I want to transfer my funds out of Webull Pay. Webull Pay has informed me that they are not allowing me to transfer my own money for XXXX  days. 

This " XXXX  day '' rule was messaged to me as a " updated security measures ''. It is completely unacceptable to acknowledge that the money is mine but do not allow me to withdraw it. XXXX  days means loss in other investment opportunities that I have. 

If they have security concerns, they should give customers a way to submit supplementary materials like a letter of good standing, not disallowing customers to have access to their own money.
Consumer complaint received 2016-05-18
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A. (CA)

We have been patrons of citibank for decades. We had applied for a XXXX XXXX to refinance our home. When I happened to be at Citibank for another reason, I mentioned that we were getting a loan from XXXX and the loan representative at Citi was called in. He sat down and said we can offer you a better deal. We will match the interest rate and eliminate most of the closing costs since you are a preferred, long time customer. 
I asked how difficult it would be to do this, because XXXX was simple and did n't require reams of documentation. I was told we would need to supply tax statements, and pay stubs, and that was pretty much it. We started this in XX/XX/XXXX. We continued to supply documents until XX/XX/XXXX and then were turned down because of the debt to income ratio. Those very facts were available in the paystubs and taxes we supplied on day one! 
They appraised our home, which we were charged for, and it appraised positively. I feel like we were conned. Our time was wasted and we abandoned a loan that was about to happen. This took place in a branch in XXXX XXXX, where we live.
Consumer complaint received 2017-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mn. Is trying to say I still owe on something u filed a Bankruptcy over for XXXX. they have tried to reage the account to XX/XX/XXXXwhen in fact they 've had it sinceXX/XX/XXXX. When I filed against XXXX back then it was filed against XXXX XXXX ILXXXX now their trying to stick me with it reaged. The credit bureaus do n't believe me even though I 've offered proof.
Consumer complaint received 2024-11-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (WA)

1 ) I get in agreement to do a survey 2 ) {$3000.00} check was sent to my mail 3 ) the check was sent to do a survey by purchasing XXXX XXXX XXXX XXXX XXXX XXXXXXXX & report a survey I found during purchase XXXX ) I have to send the copy of the gift card & receipt thru.email XXXX ) after I deposited the check on line I went to WF office to confirm the deposit is correctly deposited & cleared for transaction 6 ) secondly before I left WF office I have raised my limit to {$500.00} thru the phone number ( XXXX ) XXXX & the limit increased 5 ) after this most of the purchases was made from WF account except one from my another account 6 ) after I completed my assignment on XX/XX/year> they reversed the deposited check of {$3000.00} & my account showed a -ve balance 7 ) I went to WF office & they told me it was a bad check 8 ) I also reported to WF report phish long awaited the result
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (SC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-11-12
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: CITIBANK, N.A. (TX)

The email is to bring your attention about an unusual practice at XXXX XXXX XXXX XXXX XXXX XXXX office is practicing. I am looking forward to justice to my injustice. This is an ongoing email requesting refund of unauthorized charge of {$1500.00} on my credit card. 

I have paid you {$500.00} & {$770.00} for which I have signed documents these charges are towards the XXXX  treatment which takes care of my out-of-pocket expenses after the {$2500.00} from INSURANCE COVERAGE. I dont owe you anything as per detailed email below. 

XXXX  has no documentary evidence where {$1500.00} was discussed BY THEM with me or any authorization given by me? No documentary evidence of the charges you XXXX  is talking about showing it was discussed BY Them with me or any authorization given by me? 

In the last email- {$990.00}?? ( {$560.00} your balance, {$430.00} XXXX balance ) what are these charges for? As per the XXXX  login page, my insurance covers XXXX XXXX XXXX - 100 % - IN NETWORK AND OUT OF NETWORK. ( there is more data below the screenshots ) XXXX  were given from my earlier XXXX  office XXXX XXXX XXXX, records were attached in the emails earlier which is below.
Consumer complaint received 2024-11-13
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL (IL)

To Whom It May Concern : I am submitting a formal complaint regarding Amazon Synchrony Banks handling of a refund for a returned item. The refund in question is for {$36.00}, which was initially promised after I paid off my Amazon Synchrony credit card balance. 

Timeline of Events : Initial Outreach : On XX/XX/year>, I received an email confirmation from Synchrony Bank ( attached for reference ) stating that I would receive a refund check of {$36.00} within 7-15 business days. This timeline set the expected arrival of the check around XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> ) : I called Synchrony Bank for an update since the check had not arrived. I spoke with an agent named XXXX, who advised me to wait until XX/XX/year>, and assured me an update would be provided by then. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ) : I followed up with a call after not receiving the refund check. During this conversation, I spoke with an agent named XXXX, who was extremely unprofessional. He contradicted the information given by XXXX and insinuated that I had misheard the previous representatives. XXXX informed me that the refund check would take an additional 2-3 business weeks to arrive, pushing the expected date into XXXX. 

I have attached the email confirmation received from Synchrony Bank on XX/XX/year>, stating the expected delivery timeframe of 7-15 business days. 
Despite this confirmation, the check has not been received, and I have been provided with inconsistent and conflicting information by multiple representatives. 

Thank you for taking the time to look into this matter.
Consumer complaint received 2024-11-13
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (CA)

A real debit card with chip was sent to me in the mail without my request for it or any application on my part. The advertising says the future is looking bright. All you need to do activate your card to start spending I feel this is predatory because I didnt apply for it and what if someone else took it.
Consumer complaint received 2024-11-12
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (WA)

My brother and I are having trouble collecting the remaining credit on our father 's Costco Anywhere Visa Card by Citi. Our father XXXX XXXX in XX/XX/XXXX, and I contacted Citibank about his card. We received a letter listing the items we needed to mail to the company, including his death certificate, a notarized letter from the executor of our father 's estate, proof that my brother is the executor, and the complete account number. 

We sent these documents together by XXXX in early XX/XX/XXXX, mentioning in the letter that we did not have the complete account number and only the last 4 digits. In the chaos and grief of his passing, we lost documentation with that information. 

I called Citibank today to follow up, telling them that we had sent the documents but never heard back. The customer service agent said that they received the letter but not the other documents. Additionally, she said we can not proceed without the full account number. 

This is the last outstanding issue we are having with our father 's estate, and we have not come across another situation where a company is requiring so much documentation, unclear about what happened to the remaining documentation we sent, and being unresponsive. We feel that Citibank is putting undue burden on us to resolve this issue.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DC)

I am writing to formally dispute information on my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ), specifically Section 609.

Upon reviewing my credit report, I discovered the following accounts, which I believe to be inaccurate and not mine : XXXX XXXX XXXX XXXX XXXX XXXX Account Remove me from any authorized user accounts These accounts are not mine, and I am requesting that you provide me with a detailed validation of these accounts, including all documents that were used to verify the accuracy of this information, such as signed agreements or contracts. I understand that you are required to investigate this matter and, if these accounts can not be verified, they must be removed from my credit report. 

XXXX : XX/XX/year> LAST 4 SSN : XXXX Please remove these accounts if you can not provide sufficient evidence that they belong to me. I request that the results of your investigation be sent to me in writing at the above address.
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY (TX)

I filed for XXXX XXXX XXXX in XXXX of XXXX. I have an auto loan with Wells Fargo that was reaffirmed in the process. My XXXX  was granted and closed XXXX of 2024. Since the reaffirmation of my auto loan with Wells Fargo they deleted, not charge off or listed as resolved in the XXXX, completely deleted the loan all together off my credit report. It's like it never happened. I still have the loan, it was reaffirmed, meaning I still have a legally binding loan on paper, and have made all payments on time. I have called Wells Fargo and stayed on the phone for hours being transferred around and told all kinds of things. They admit that the loan was deleted, that they are not reporting the loan, not reporting the affirmation or my payments to the credit bureaus. I asked several times for them to report it and was told no. I just want to try and rebuild my credit. I only saved my car from the XXXX. I did everything that they asked me to do to reaffirm my loan and not only did I lose my past payment history with the loan but I now am paying on a loan that only exists with them and no one else on XXXX. I never paid my loan late even before the XXXX. I was always current. I still am current. I only XXXX credit card debt after a XXXX. The car was never in danger of being late.
Consumer complaint received 2024-11-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC. (MA)

Our mortgage servicer, SPS Servicing, is demanding {$40000.00} from myself and my husband, ( homeowners ). When contacted they indicated that we were not paying the correct monthly amount. They indicated that were underpaying and needed to pay the XXXX or our house would be foreclosed upon on XXXX. We have paid the same amount indicated online each month as indicated on the website. SPS Servicing is refusing to work with us and will not even complete a modification and/or any other resolution other than a foreclosure. 

Since I, XXXX XXXX, suffer from a XXXX XXXX, XXXX XXXX, and have been diagnosed with this XXXX XXXX for several years, this whole situation has placed an enormous amount of stress on myself. This has made my illness get worse and has pushed me into even more XXXX XXXX XXXX
Consumer complaint received 2024-11-15
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC (OH)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2024-11-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (NY)

Hello, I was told on Tuesday, XX/XX/XXXX that my account was closed by Citibank. I have been a customer for XXXX  years, and I was given absolutely no notice regarding this decision. To provide some background, I have recently started investing and trading in cryptocurrency ... which is a legal activity. I realize that each state has varying regulations regarding cryptocurrency and the various cryptocurrency exchanges allowed to operate in the United States. In the state of New York there are only a handful of exchanges that have the XXXX XXXX XXXXXXXX " bit license '', so I only used exchanges allowed to operate in XXXX XXXX  In order to fund my exchange accounts, I need to wire money from my Citibank account to these licensed exchange accounts, which I proceeded to do. Citibank put me on fraud alerts and blocked my account due to these wires, and each time I called to understand which exchanges are allowed to be used by Citibank, and it was narrowed down to XXXX exchange, XXXX. I have wired money to XXXX as it was approved by Citibank, and after I made a {$50.00} transfer to XXXX, they closed my account. I have $ XXXX in there and I need that money. I called them to get an explanation as to the issue, I offered to provide any documentation regarding the transactions made, I have not engaged in any illegal activity, yet I am not able to get access to my funds for XXXX days. This has caused me to be behind on my mortgage, credit card payments, insurance and other bills. This is completely wrong, if they believe I engaged in nefarious activity I deserve to know what I am being accussed of ... and I called them several times before making these wire transfers to ensure that they were ok. I don't have anything to hide, but the closure process they are engaging in is opaque and completely unfair. They can close my account, but why do I need to wait XXXX days without knowing the accusations made against me? Please help me if you can ... and if you can't, please help innocent people not have to endure this in the future. Thank you.
Consumer complaint received 2024-11-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Neon Newco Corporation (CA)

To whom it may concern, I received a debit card in the mail from the company Netspend. It was sent to my parent 's address. I have never applied for this debit card and I have never contacted Netspend before. The letter has a routing number and account number. I don't know if this is identity theft or if this is a marketing scheme. I looked on their website and emailed their customer service on XX/XX/year>. I emailed and told them the situation and asked them to close the account immediately. They replied " For security reasons, we are unable to resolve your concern through email conversation. I highly suggest that you contact our Customer Service hotline for additional assistance. '' I called the XXXX and could not reach a person to speak with. The automation had me enter the 16-digit card number to close the account. I am very concerned about the predatory behavior of this company. They should not be opening an account without my knowledge or consent.
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS) (NY)

My ex girlfriend opened up credit cards and bank accounts in my name paid them for a whole lived as me and bounced Checks in my name Im ruined and no one will help.