davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-15
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (FL)

Over six months ago a fraudulent charge was made on macy 's XXXX card. It was for {$75.00} at XXXX # XXXX in XXXX PA on XXXX XXXX, 2015 according to the statement I was sent in XXXX of 2015. I called immediately upon receiving the statement as I do not use the card. The card has never left my possession or even my home in over a year and I had n't used it. I filled out the fraud affidavit and spoke to multiple agents regarding the fraud and they sent me XXXX letter confirming my " inquiry '' on XXXX XXXX 2015. They closed the card and sent me a new card and the balanced transferred the {$75.00} disputed charge on to the new card along with a late fee and interest charges. I called again and they stated they were working on it and that it could take time. Then they sent another bill each month since XXXX adding late fees to the disputed amount and interest charges. Each month I called and they are working on it and told me not to worry about the bills. They lowered my credit limit and the most recent bill is for XXXX. I have called multiple times and talked to people in the fraud department and now when I call they only will put me through to their collections department as they state my account it past due. I never made the original charge and I do not owe this money. I told them I no longer wanted to due business with them because I have never been treated so bad by anyone and they stated that they could not close my account because I owed money. I do not owe any money and the fraudulent charge should have been cleared months ago. I am also worried that they are reporting this to my credit bureau and they could not answer me when I asked that question. I want to resolve this without legal action so I do n't have to incur even more money due to the fraud.
Consumer complaint received 2024-11-19
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. (IA)

I made a XXXX order on XX/XX/XXXX for {$31.00}. The driver got lost and quit mid-order never delivering the order. This was confirmed by calling the XXXX contact number for XXXX deliveries  of XXXX. Multiple reps confirmed the order was cancelled and a refund issued on XX/XX/XXXX. The XXXX  rep gave me a confirmation/transaction number of XXXX. To this date ( XX/XX/XXXX ) XXXX Citi Visa ( XXXX XXXX XXXX ) has not credited my account for the refund back on XX/XX/XXXX. 

I submitted a dispute with XXXX Citi on XX/XX/XXXX describing what had happened, providing a full description, transaction numbers and contact numbers to confirm a refund was issued to my account which was still not showing up on my XXXX citi card. The case ID for this dispute is XXXX. After a month, I received a letter stating that since it had taken so long, my case would now be reviewed every 2 weeks until it is resolved. One week later I get another notice stating that my dispute had been closed without resolution. I called back into XXXX Citi customer service to see why this happened and why no one finished the case. The rep stated that he would escalate the issue to the supervisory team. Instead, on XX/XX/XXXX, the rep opened a brand new dispute case with case number XXXX. 

When opening the new case, the representative input incorrect information, made up a contact date, insinuated that I tried to contact the seller and was unsuccessful and I was then notified that I needed to provide all information from the original case and start all over again ; the original case was never escalated to a supervisory team, instead customer service opened a brand new case and told me to start all over again. 

Yesterday I received notification both cases had been closed, neither with resolution. I disputed this on the website and asked that they look into my case because all information they need is within the cases they just closed again. In response I was sent a form letter stating to upload all documentation and information to the website which was already done in the original case. This company is charging me {$80.00} plus dollars per month in interest and can not figure out that 1 ) I already provided all the information and they closed the case without resolution and 2 ) its a small {$31.00} charge for a refund that was already issued yet never credited toward my account that they're wasting everyone 's time with.
Consumer complaint received 2024-11-19
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

On repeated occasions I have received calls and emails from IC System claiming that I owe XXXX XXXX on account XXXX. Since I didnt recognize it, I called them and they told me that only XXXX could cancel it. I have called XXXX services at XXXX XXXX XXXX and XXXX XXXX, but nowhere does it appear that I owe anything. However, when I ask for proof by email they dont give it to me. IC System reported me to the credit bureau and lowered my credit score by XXXX points in one day. I dont know what to
Consumer complaint received 2024-11-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

SEE PROOF OF LOAN TRANSFERRED AND ESCROWED BANK DIDNT PAY IT WAS SAME INSURANCE SINCE DAY ONE ON LOAN AND THEY SAY I DIDNT SEND IT IN WAS SAME FROM BEGINNING OF LOAN. SPS LIED SAYING I DIDNT SEND IT ON TIME WAS SAME SEE OLD MORTGAGE. AND XXXX MORTGAGE MODIFIED BUT NOT XXXX AND STILL A SALE XXXX  CAN GET MODIFIED. AGAIN ALREADY SUBMITTED COMPLAINT TO DEPARTMENT OF INSURANCE
Consumer complaint received 2024-11-19
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (NY)

Citibanks response to my complaint is incorrect as verified with 2 Citigold representatives and the Citigold relationship manager on my account.

Grace period interest as verified by Citibank is based on the 4.75 % rate of interest on my CD # XXXX that came due on XX/XX/year> for the 6 days in question which was calculated incorrectly by Citibank. The 6 days of interest are from XX/XX/year> to XX/XX/year> at the 4.75 % CD interest rate on the balance that was in the CD of {$260000.00} which comes to {$200.00}. Citibank has calculated interest of {$55.00} on the incorrect amount of {$65000.00} instead of the correct amount of {$260000.00}, the balance in the CD on XX/XX/year> through XX/XX/year>. The interest calculated on the correct amount in the CD of {$260000.00} for the 6 days in question from XX/XX/year> to XX/XX/year> is as follows : {$260000.00} X 4.75 % interest rate for the CD X 6 days ( XXXX ) = {$200.00}. 
This is a major flaw in the interest calculations that Citibank uses as their systems are incorrectly programmed to credit interest at a much lower rate than what is required based on the grace period interest rate on the CD that matured.
Consumer complaint received 2024-11-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (NY)

My complaint was closed without anybody contacting me to resolve the matter. Also the correspondence had nothing to do with my complaint. 

The closed complaint number is XXXX My original agreement with this bank was to have atm fees at non wellsfargo atms be reversed three times per Month. 

I dont live in an area where there is wellsfargo so this was a part of my agreement. 

I am being forced to pay these fees because I dont have the luxury to go to a wellsfargo atm near by. 

Also my complaint was closed with anyone having a conversation with me about it Also why send me a mediation form to resolve the matter if your response is going to be about what you did before, that has nothing to do with my complaint.
Consumer complaint received 2017-04-27
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: U.S. BANCORP (TX)

US Bank refuses to provide me with proof of the XXXX XXXX property taxes they are trying to assess against me. The tax office says this VIN was not included in US Bank 's fleet bill. I 've disputed the amount with USBank and have requested proof of the amount owed. They refuse to provide yet continue to send demand notices. The contract states " You agree to pay all title, registration, license, inspection, testing, and other fees taxes and charges imposed by government authorities in connnection with the Vehicle, this Lease or any amounts due or payable arising from this Lease. '' If the City says my VIN was not included in the fleet bill to USBank and USBank has n't shown me where " charges were imposed '' then the amount of {$420.00} needs to be deducted.
Consumer complaint received 2016-03-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: ACS Education Services (CA)

My student loan was originally with Access and ACS purchased this and while I was under deferment. ACS reported me 60 days late on XXXX different occasions. Once XXXX and again XXXX and XXXX late remarks are erroneous and inaccurate
Consumer complaint received 2016-03-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (GA)

Enhanced REsource Center -ERC ( a debt collection agency ) started calling my home, I finally answered the call and was told this was an attempt to collect a debt for XXXX XXXX for {$140.00}. I told the young lady she had the wrong number, as XXXX does not service my area - I have ATT. she said it was for a service address in XXXX. I stated, I do n't know anyone in XXXX, XXXX and if it has my name I am a victim of I.D theft. She stated, the account was opened and that was the service address and my name and number in GA was listed as the bill pay address. I said, I have never heard of such a thing. She kept asking, How was I going to pay the debt? I finally got her to realize it was not my debt. I asked was my SSN used and she said no. She gave me a number for XXXX. I called XXXX XXXX. and asked did they allow their customers to bill to XXXX party address without consent?, and I was told, YES. When I called back they rep. denied I had a bill with them. I have recently been told I have to go thru the fraud dept at Charter and fill out the paperwork, however, I think that is insane being that they -Charter allowed someone to bill to someone else 's address in a totally different state. I know the Identification theft process I have had to use it before. But I feel XXXX was negligent approving such foolishness in the first place and they should be held accountable and made responsible for finding a solution. I still received a bill from ERC notifying me I had 30 days to prove it was not my debt or I would be held accountable. Again, XXXX was negligent in letting the stranger use my name and address without first verifying with me. I was not aware service could be established with a SSN in any type business. I also never received a bill from XXXX XXXX alerting my of service in my name. My first notification was from the bill collectors.
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Fidelity National Information Services, Inc. (FNIS) (MS)

I am writing to request your assistance in resolving an issue involving XXXXXXXX XXXX and ChexSystems. I was recently informed by my lawyer that I am listed in ChexSystems for alleged fraud with XXXXXXXX XXXX including claims that I owe them money.
Consumer complaint received 2017-04-27
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. (UT)

I returned from  XXXX  in  XXXX   XXXX , and in an attempt to get an apartment I learned about credit cards that had been opened in my name. I was a   XXXX   XXXX   from  XXXX   XXXX  until  XXXX   XXXX , and then returned in  XXXX   XXXX  through  XXXX   XXXX  to teach  XXXX  and  XXXX  at   XXXX   XXXX   XXXX  .     - According the credit reports I have managed to obtain, all accounts were opened and used while I was in  XXXX . I filed a letter with each credit reporting agency and with the credit card companies. Several companies immediately resolved the issue and closed the account s - two have been re moved from my credit report and I believe the remaining accounts will come off soon, as they said they would be. I received a response from  XXXX  that they had no record of the account and then refused to continue any investigation ; additional letters only resulted in their sending me a package with all statements from the fraudulent account.     - The disputes came back from each CRA, including Equifax and  XXXX , with no changes. I have sent all CRA 's, including Equifax and  XXXX , substantial proof that I was living in  XXXX  at the time the accounts were opened and used in the United States. Regardless, Equifax and   XXXX   have not fully investigated the issue or accounts nor removed the fraud from my credit report permanently.  XXXX  only finalized this issue because of the complaint with CFPB because they realized they did not follow the law in completing the investigation. Equifax and  XXXX  are also not following the laws in credit reporting by not accurately and completely investigating the issue despite all of the documentation provided.     - Becoming hard-of-hearing as an adult and not able to use TTY service s ( or ESL ), i t is very difficult to communicate with the credit card companies myself. I send everything through letters or fax but those documents are not accepted as they will only " speak '' with me over the phone in order to validate my information.     - There are a lot of errors on my account, including names, addresses, phone numbers, inquiries, and credit accounts.     - I have again attached documentation of proof of   XXXX   XXXX   timeframe from  XXXX   XXXX  until  XXXX   XXXX  in  XXXX , police report, and FTC Affidavit.
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

formally complain about the unauthorized accounts that appear on my credit report, which were initiated without my explicit consent. Despite my multiple attempts to resolve this matter over the past four months, starting in XXXX, I have yet to receive a response or resolution from your company. This inaction is a violation of my rights under both federal and state law. Legal Basis for the Complaint : XXXX XXXX XXXX XXXX XXXX : Under Pennsylvanias Unfair Trade Practices and Consumer Protection Law, any contract or financial agreement must be supported by clear evidence of debt and a copy of the contract. The accounts and inquiries listed on my credit report do not meet these requirements, as no proof of debt or contract has been provided. Federal Credit Reporting Act ( FCRA ) : According to the FCRA, I have the right to dispute inaccurate or unauthorized information on my credit report. I have done so, and no documentation supporting the legitimacy of these accounts and inquiries has been provided within the required time frame. Failure to provide such documentation within seven days from the submission of my dispute necessitates the immediate blocking and removal of these items from my credit report. Truth in Lending Act ( TILA ) : TILA mandates transparency in all credit-related transactions. The lack of response and failure to provide requested information on these unauthorized accounts and inquiries breaches this requirement. Police Report : As required by the aforementioned regulations, I have attached a copy of the police report I filed to substantiate the fraudulent nature of these accounts and inquiries. Request for Immediate Action : I urge you to take immediate action to investigate and remove all unauthorized accounts from my credit report. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-15
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) (MS)

Currently, ChexSystems is displaying on my recordand making it accessible as public informationthat I allegedly owe several banks, including XXXX  XXXX XXXX and XXXX XXXX. This is completely false. I personally visited branches of both XXXX XXXX XXXX XXXX XXXX XXXX  and obtained printouts from each bank, clearly proving that I do not owe them any money nor have i ever owed them money. Additionally, representatives from both banks confirmed that they never reported me to ChexSystems. 
I visited banks in person on XX/XX/scrub>XXXX XXXX XXXX
Consumer complaint received 2024-11-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

I sent in a large payment of {$350000.00} from my online banking service to be applied to the loan balance. I have spoken with several representatives that state that the payment was received on Thursday, XX/XX/XXXX. I was told that it would take a maximum of XXXX business days to be applied to my account. Today is Friday, XX/XX/XXXX, and it has yet to be applied.
Consumer complaint received 2024-11-15
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. (CA)

On XX/XX/XXXX, when logging in to view my Citi XXXX XXXX, I noticed XXXX unauthorized charges made in XXXX. Although I was in XXXX from XX/XX/XXXX through XX/XX/XXXX, I did not notice these charges on my account until I was back home. The XXXX unauthorized charges were made on XX/XX/year>. 
The charges were : XXXXXXXX XXXX  XXXX : {$37.00} XXXXXXXX XXXX XXXX XXXX XXXX {$85.00} XXXX XXXX : {$15.00} XXXX XXXX : {$58.00} XXXX XXXX : {$69.00} I double-checked and triple-checked my receipts, and none of the receipts show that I made any purchases at these locations on XX/XX/XXXX. I did not make any purchases that day in XXXX. My credit card was still in my possession, so I believed that my card was skimmed or my information was taken when I handed my card to servers during my time between XX/XX/XXXX and XX/XX/XXXX. Upon noticing the unauthorized charges, I submitted an online fraud dispute and canceled my credit card to request a new one. I contacted the Citi XXXX XXXX on XX/XX/XXXX to answer the questions that they had for me and provided all the information that I was able to provide. 

On XX/XX/XXXX, I received a notice that Citi denied my fraud request and asked me to review my transaction history to see if the merchant had already posted credit for the transactions, which they had not. I am seeking help to get Citi to reverse these fraudulent unauthorized credit card charges. 

Thank you,
Consumer complaint received 2016-03-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (PA)

Last year, the city of XXXX billed me just for penalties and interest pertaining to city wage taxes My accountant responded with reasons as to why they should waive the amount. Before the expiration of the first notice from the XXXX, the matter electronically went over to XXXX for collections. 
I spoke to XXXX last XXXX and sent them all the back up including the accountants letter. They told me they would follow up. 
I never heard back from them and assumed it was resolved. 
On Monday, XXXX XXXX I received a computer message from XXXX and I called back. I spoke to XXXX XXXX in their office who explained to me that the XXXX did not waive the interest and penalties ( a little over {$900.00} ). I told him that I would pay the amount and just asked him for something in writing requesting the debt and giving me payment instructions. 
He told me that I should receive it by today, XXXX XXXX ( which I havent yet ). 
On the following day at XXXX XXXX I got another of their harassing computer messages and assumed it was a mistake. Yesterday, I received another call, and tried to call them back asking them to stop the harassment. I was on hold for 25 minutes and had to hang up. 
Today I received a call from my adult son ( who has a family of his own ), who told me that he received two calls from XXXX in the last two days and when he finally got to speak to someone XXXX the was told that they were looking for me. So now they were at a point where they were now harassing my family. 
This morning after speaking to my son, I called XXXX back again, and while I was on hold waiting for someone I received yet another of their harassing calls. 
I finally got to speak to a manager named XXXX XXXX who basically said ..oops..human error. 
I have no idea why they cant control their automated system and why they would start to harass my children after I agreed to a resolution.
Consumer complaint received 2024-11-18
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (LA)

I have had a Best Buy card for many years and have been a very good customer to best buy. I shop there often and encourage others to do the same. I have always had a good experience when dealing with Best Buy, and that is why this shocked me. I was mailed a Best Buy XXXX with an annual fee. My Best Buy Card did not have an annual fee. I contacted Best Buy and was told that a letter had been mailed to my house, and that because I did not answer the letter they assumed I wanted the visa. They may or may not have mailed the letter, but I don't remember seeing it. I explained that I did not ask for or want a Best Buy Visa, and I was told that there was nothing they could do. I could of course cancel the XXXX, but because the account was already opened, this would effect my credit score. I asked for them to simply transfer me back to the Best Buy Card I used and was happy with for years. They said this was not possible. They also mentioned that if I did take the credit score hit and canceled my card, that I would never be able to get a normal Best Buy card again. So, I am left with paying {$59.00} a year for a Credit Card I did not ask for or want, or lowering my credit score because I closed a line of credit. I don't know if signing a customer up for a XXXX because he or she did not decline an offer letter is legal, but it is definitely unethical.