davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (NY)

I was alerted to a fraudulent charge made with my Citibank ATM card on Sunday,XX/XX/2018. The charges had been made on XX/XX/2018. I spoke to someone in the Citibank Fraud Unit. My card was cancelled, and a new one was issued. I received the new card on Tuesday. The representative from Citibank gave me a case number. We discussed all charges made over the weekend and I informed her of the charges I had not made. Today is Wednesday and the bank has still not credited me with the disputed amounts. I have had other payments returned by the bank for insufficient funds, and have been charged, by the bank, with fees for returned checks. I have called at least 6 times and I get the same patronizing response.. that they can not provisionally credit me while the " pending charges '' from the merchant have not been finalized in some way. In the meantime, my money, {$200.00} and {$400.00}, to XXXX XXXX XXXX in Tennessee ( I live in New York ) and XXXX to XXXX has been deducted from my checking account and unavailable to me, until Citibank deems it appropriate to credit me. I believe that this is a policy that puts the ( possibly complicit ) merchant in greater control of my money than myself. While the merchants determine what they will do, my money is gone. How is it that a bank as large as Citibank can ignore the trust that, I, as a client for 24 years, have put in their bank, to protect whatever money I deposit with them. I bear no responsibility in this situation, my card was not lost or stolen, it was " hacked '' somehow. The bank noticed the fraudulent behavior ( much to their credit ) yet still refuse to reimburse me immediately for these charges. I am not a wealthy person and I can not afford to be minus {$800.00} for all this time. This has created a hardship situation for me as I have many bills to pay. I am filing this complaint because I truly believe this is an extremely unfair practice and in violation of my rights as a consumer and long term client of Citibank.
Consumer complaint received 2018-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I sent the following dispute to Equifax on XX/XX/XXXX. 

I requested my credit report and noticed that two accounts were not listed : XXXX and XXXX # XXXX, opened XX/XX/XXXX, Credit Limit of {$1700.00}, XXXX balance owed. 
XXXX 's # XXXX ( yes same account different company ) opened XX/XX/XXXX, Credit Limit {$150.00}, XXXX balance owed. 

I receive an email on XX/XX/XXXX indicating the dispute # XXXX was completed. I tried unsuccessfully to login in the dispute site via the link they sent. I eventually called and was connected to the dispute center. I was on hold for 1.5 hours before I decided to go online and chat. That person told me to call another number and there were problems with the dispute portal. I did speak with someone in the dispute center who indicated that he could not see a resolution to my dispute he could only see my comments. 

I indicated in the dispute that because the accounts were not listed, a true credit history was not being shown and I probably received higher interest rates for the credit I did receive. I would like the initial dispute looked into and corrected. I would also like someone to look at Equifax. All the lead no where numbers, all the phony information given to consumers, like the dispute completion I received. By the time this is handled 30 days will have gone be and I will need to submit the same dispute again. Why should consumer have to go through this to get something done. Consumer 's jobs, finances, etc., depends on this information being correct and when it is not, there should be an easier way.
Consumer complaint received 2020-06-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

Dispute is For Chase Bank Checking Account On XX/XX/XXXX there were couple transactions occurred on my debit card that wasnt authorized by me. I disputed those transactions Totaling around XXXX $ .After Careful review chase closed the claim leaving me with my credit that they applied to my checking account on XX/XX/XXXX they wrote me a letter stating that the claim was closed and they are leaving the credit they gave me in my account. On XX/XX/XXXX they reversed all credit that they credited. After reviewing the transactions and closing the claim they dont have any right to reverse them.
Consumer complaint received 2018-06-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

My name is XXXX XXXX. I have been bank with Chase over 40 years. I am XXXX years old and half XXXX. Currently chase close my checking and savings without any notification. I dont have any prior notification before closing. My branch I always visit is Chase XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, CA. The bank manager : XXXX XXXX did not help me as a XXXX person. She always mistreat me bad and didnt let anyone to help me with my banking transactions since I am half XXXX. I am sure the reason my accounts are closed because she retaliates against me since I raised a lot of concerns for not being help as a XXXX person. I need more explanation why they treats me worse as a XXXX   person. I feel they violate my right and my XXXX. Also the other banker XXXX, she always refuse to help me. I try to reach to the bank area manager and she also returns no call. I need your help and You may reach me at my cell : XXXX.
Consumer complaint received 2020-06-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (MI)

On XX/XX/2010 a process server served a XXXX XXXX with a Case # XXXX that individual had a debt with XXXX that individual passed away in an affidavit filed with the court The same case # XXXX was then also used on XX/XX/2010 for a debt to XXXX for me I had done a motion with the court and advised of this and the judge decided it was a typo and didnt want to look at the case because I didn't show up to court back in XXXX. I was not properly served the same case number was used for 2 different judgments on 2 different people. Asset Acceptance has overcharged on the debt and retroactively imposed interest charges I have called and tried to do a settlement but they refuse to settle for less than the full balance. Now in a pandemic and am being garnished and it is causing a hardship
Consumer complaint received 2020-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have filed numerous complaints with TransUnion and get the same response. TransUnion responds In the same manner in every response. However, no investigation takes place and no follow up is done. It had been well over 90 days from first initial dispute. Its almost been a year and nothing has been done. I have filed numerous complaints with the CFPB and Trans give the same response every time. After not doing an investigation on the first time I want all Inquires removed on all 3 complaints. 

Complaint # XXXX on XX/XX/XXXX Complaint # XXXX on XX/XX/XXXX Complaint # XXXX on XX/XX/XXXX If these are not removed its time to move forward with class action because Im sure this happens a LOT!!
Consumer complaint received 2018-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I attempted to transfer {$1100.00} from my external non USAA account ( XXXX ) and {$100.00} was placed on hold without warning or cause. Now USAA states they can not reverse or stop this.

I understand this hold may be based on a few variables ; this limit is determined by the system and is based on the 3-month average balance of all accounts in the relationship. However, I can not fathom why only a small fraction ( {$100.00} held out of {$11000.00} ) I am confused to why only {$100.00} was held, why is that? Accurately and thoroughly explain the funds availability schedule, why funds were not available ( Delayed ), and when the funds will be available. 

This is my XXXX account, which I pay my USAA Auto Insurance through as an ACH auto debit every month. I also have transferred from this external account ( XXXX ) before many times, not this amount but nevertheless I have made EFTs from here before. Working for a bank we do have exceptions processing unit, or the electronic transfers unit that can assist with placing a stop on the transfer or merely not accepting it.
Consumer complaint received 2017-06-08
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc. (NE)

Navient is my student loan provider. I also owe from a student loan from a  XXXX  college, the loan borrower is Nelnet. The Nelnet lo an is from  XXXX , this is what I owed then {$3200.00}. I was paying on it for a long time then I started going back to school in  XXXX  to get a  XXXX   XXXX  so I deferred. I still owe {$4000.0 0} on the Nelnet loan, I asked Nelent to  forgive my loan and they denied also. Since I have had  XXXX , they have emailed me about deferring every time I get behind so I defer. What was a  XXXX  loan is now close t o  XXXX . This is because of deferring payments and interest. Today I am behind three months. The beginning of the year I asked for a  XXXX  forbearance for the school year and was denied. Today I looked into def  erring and if I defer again the balance of my loan will be close t  o 70,000. How am I ever to get this paid in my lifetime when the interest is outrageous?
Consumer complaint received 2018-07-18
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: Bread Financial Holdings, Inc. (IN)

In XX/XX/2018 I submitted a dispute for charges I was wrongfully charged. The results of the investigation were unsatisfactory. I then submitted a second time along with a handwritten letter explaining in detail what happened as well as my information to contact me back if there was anything else needed to complete this dispute. I sent this information a total of 3 times over the period of a couple of months with no reasonable explanation of my situation. So I then started sending messages to them explaining to review the information I have sent in multiple times already. The replies back from them were to resend everything again. Unfortunately I do not have copies of the details of my dispute but the claims department does. So I called one last time desperately seeking a resolution to this issue and the department that handles these dispute claims are not available to speak with nor would the credit card company contact them on my behalf. I finally canceled the credit card which I did not want to do because of the unsatisfactory customer service I received. I feel very disappointed that my credit card company would not help me out in a situation that I went above and beyond to get the matter resolved in a timely fashion with no satisfactory results. I was very loyal and only used this card as well as every payment I made was on time.
Consumer complaint received 2018-07-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

Date : XX/XX/XXXX Amount in transaction : {$200.00} ( including {$3.00} transaction fee ) On XX/XX/XXXX, I decided to purchase approximately 200 dollars worth of bitcoin through Coinbase. The transaction went through successfully. Following the transaction, a window prompted me to verify my identity. Part of verifying my identity included my date of birth, which is XX/XX/XXXX. Shortly after submitting my address and date of birth in order to verify my identity, I received an email from coinbase explaining that restrictions had been placed on my account due to the fact that I am under XXXX. Because of the restrictions, I am unable to sell the bitcoin that is in my account, or send it to another account. The bitcoin is laying frozen in my account, and I can do nothing with it. This effectively means that this company is withholding XXXX dollars from me. 

At the time when I created my coinbase account ( over one year ago ), they did not have a policy stating that users had to be over XXXX. This new policy was implemented only a few months ago. I was never made aware of this change in policy - I never received an email, nor was I informed of this change when logging into the site. I think it is unfair that coinbase allows users to give them money without requiring identity verification, only to withhold that users money when they fail the ensuing identity test, especially when the user is never made explicitly aware of the policies & requirements involving identity. 

I was unable to get a hold of coinbase through the phone, as I was repeatedly met by an answering machine. I sent a support ticket, but I am skeptical as to how effective this will be, as most people in my position have commented online that coinbase can take months to resolve similar issues.
Consumer complaint received 2022-12-30
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: EQUIFAX, INC. (CA)

Right now I am worried! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request ( BUREAU ) the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 
XXXXXXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX Date Opened XXXX. XXXX XXXX Balance : {$7900.00}.
Consumer complaint received 2018-07-18
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (GA)

I went to Georgia XXXX XXXX and XXXX XXXX Both XXXX   Colleges. Georgia XXXX changed their name to XXXX. Both schools were forced to close because of shady dealings and list accreditation. Noone would except certificates from these schools. They have been in the media and haven't deleted this from my credit report. I had a XXXX in XX/XX/2010. I'm currently XXXX. I've sent in all of my documents from my doctor and still Navient won't stop calling every day and they won't except my XXXX papers from social security or they just won't do it. These loans are affecting me badly. I've done all that was required of me legally and I feel I'm being bullied. They literally call me over 5 times a day. I don't owe them they owe me. Despite all the law suits they still won't do right. Please help me .They wronged so many people and still they refuse to follow the law. Navient is bullying me despite their illegal activities.
Consumer complaint received 2018-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX XXXX 10.XXXX XXXX XXXX 11.XXXX XXXX XXXX 12.XXXX XXXX
Consumer complaint received 2018-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

XX/XX/2018 Experian XXXX XXXX XXXX XXXX, TX XXXX Re : XXXX XXXX Attn : Dispute Department, I am writing to dispute the following information contained in my credit file. I circled the item I dispute on the enclosed copy of the credit report that I received. 

I received a cancellation of debt notice from XXXX , XXXX dba XXXX XXXX , XXXX in XX/XX/2018 indicating that a debt that I supposedly owe XXXX XXXX had been discharged in the amount of {$1200.00} dollars. 

On XX/XX/2018, I sent a letter along with a copy of the cancellation of debt notice to XXXX , XXXX dba XXXX XXXX , XXXX disputing this alleged debt and requested validation of the debt. Thirty days passed with no response from them. After failing to respond to my request, a second request for validation of the alleged debt was sent on XX/XX/2018. I  included a copy of my previous letter, a second copy of the cancellation of debt notice, and a copy of the mail receipt showing that XXXX , XXXX dba XXXX XXXX , XXXX received my first request for validation of debt letter on XX/XX/2018. 

XXXX , XXXX dba XXXX XXXX , XXXX responded with a letter and a copy of a check that I supposedly signed and cashed ; however, after carefully reviewing the check, I still disputed the validity of the alleged debt. The check states that a Payees endorsement and 2 forms of ID are required. XXXX , XXXX dba XXXX XXXX , XXXX did not enclose a copy of the 2 forms of ID used proving that I indeed endorsed the check. Identity theft is rampant in the world that we live in today, and a signature can easily be forged by anyone. 

I am requesting that this item be deleted immediately from my credit file because XXXX , XXXX dba XXXX XXXX , XXXX has failed to validate this debt. Please send me an updated copy of my credit report reflecting this change. 

Sincerely, Enclosure
Consumer complaint received 2018-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

According to the FCRA section 605B, the credit reporting agencies have the duty to block any and all accounts noted to be attached to reported identity theft. On XX/XX/XXXX, I submitted a dispute to initiate this process via mail. According to the previously cited congressional act this process of blocking these legally cited accounts should take no more than 4 days, yet the process is nearing 30 days.
Consumer complaint received 2017-06-10
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NATIONSTAR MORTGAGE LLC (VA)

I filed a complaint on XXXX XXXX, 2017 and have not a response mailed to me by Nationstar. What is their problem? I filed a complaint against them and I demand an answer to my complaint, in writing from them immediately!!
Consumer complaint received 2019-05-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I am a customer of Citizens bank. 

On XX/XX/XXXX we saw the first fraudulent charges come out of our bank account for {$570.00} in XXXX XXXX, XXXX, and {$580.00} in XXXX, XXXX. We were not alerted, my husband discovered them on our account himself. He called Citizens Bank that day and filed fraud claims as well as to " capture '' our cards. I went into the bank the next morning on XX/XX/XXXX to ensure the cards were cancelled ( at this time we both had physical possession of our debit cards ). The banks recommendation at that time was to order new debit cards, which we did. 
On XX/XX/XXXX, my husband discovered new claim in the amount of {$2400.00} at XXXX XXXX in XXXX NY, dated XX/XX/XXXX. My husband went to the bank that day and at the recommendation of their staff, we closed our original account, and opened a new checking account. We were told that we would have to wait 7-10 days until they could investigate and then we would receive our money back that had been tied up in claims. 
We were told the account was frozen but active until our money would be returned to us. The debit 's continued to our old account ; XXXX - {$590.00} XXXX - {$870.00} XXXX - {$2400.00} XXXX - {$630.00} XXXX - {$600.00} On XX/XX/XXXX, our NEW account was charged {$600.00} were instrcted to call and file yet another claim, On XXXX after we discovered charges on what we thought was our closed/frozen account, we went into the bank and requested ALL accounts be closed and requested to withdraw our money. We were told we could not do this because of incomplete claims. We had opted to close the account and have a check mailed to us when the money became available, which I do not believe the account was ever closed. 

While we were waiting for our claims to go through, on the original account, citizens had rejected our mortgage payment and credited the account with {$2500.00}, which before we could retrieve as Cash from the bank, was spent fraudulently. 

When asked for more information from the fraud team they said that they have narrowed it down to a stolen debit card number in the summer of XXXX. However i don't understand how having a debt card number of a " captured '' card could give you access to a NEW account opened >1 year after that card number has been suspended, and if it does, than I fear for the security of all Citizens bank customers. 

We still do not have our money, they have kept us waiting for ~4 weeks and will not let us close our accounts until the claims have been settled, but in the mean time have proven they can not keep our money safe. We still await ~ {$3100.00} from Citizens Bank. not once were we alerted of any type of suspicious activity on our account even after we alerted them and opened a new account. I fear their security is so poor that my and my husbands other personal information is at risk.
Consumer complaint received 2019-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I was notified by XXXX XXXX today that my XXXX and trans union accounts were negatively effected by a report by XXXX XXXXXXXX XXXX. By their accounts, I am it behind, never have been, yet my score drastically dropped. I called and the representative denied it was them, yet XXXX XXXX  shows it is.