davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-24
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: CITIBANK, N.A. (CA)

Last year XX/XX/year> I opened up a " No Penalty '' CD account with CitiBank online. 
I transferred XXXX and let it sit there for a the high 4.75 % interest. Now, when I signed up It was clear to me based on what I read on their website that IF the account renews at maturity ( without my knowledge ) it would automatically renew to the same " TYPE '' of account ( IE " No Penalty '' ). 

Not only they never contacted me when they are supposed to ( at maturity ) but they renewed my NO PENALTY CD to a WITH PENALTY CD FOR 12 MONTHS. 

When I contacted the they notified me on the phone that when I opened my account, the account balance was so high that I didn't actually get assigned to anyone at CITIGOLD fo them to even contact me as a " relation manager '' because I wasn't assigned to anyone until later this year ( first time i heard about her by her calling me ) also she said they sent their only notification by USPS mail ( which I never received ) and there are NO notices online or any emails or any calls whatsoever. 

I think this is bait and switch. I never signed up for a SET TIME CD account I signed up a NO PENALTY CD account and at maturity it should have either been renewed into a SIMILAR TYPE of account or contact me to have my decision before changing the TYPE of my account. 

I just heard about this and now I have 260 days until i can pull my money. I contacted the bank and was put in touch with the person in charge whom told me my PENALTY would 6 ( SIX ) MONTHS OF INTEREST ( approximately {$4900.00} ).

I believe that is Upsurt and criminal. I asked for the document to show me my signature of what i signed and says that my account type would change and they never can provide it. 

please follow up on this so that i can get my money back I am looking at purchasing a house with these savings. 

Thank you,
Consumer complaint received 2024-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (CA)

On XX/XX/year>, I deposited a check issued to me by the State of California into my BMO checking account for my work as a mental health professional for working in a rural and underserved community. I was told by the teller these funds where going to be released on Tuesday XX/XX/year>, the next business day following BMO policies. I waited for these funds to be released and attempted to withdraw these funds on XX/XX/year>. I proceeded to attempted to withdraw these funds at the same branch where I deposited the check in XXXX XXXX, CA. I was told this branch was unable to identify me. I had various forms of identification including my husband was with me who also opened the account with me. I believe this was due to racial profiling and prejudicism as the checked had cleared and the funds were available. 

I then proceeded to drive across town to the branch where I opened the account. They as well were reluctant to help with this matter. I was then told the check had to be verified, strangely not the original reason as why the funds were unable to be withdrawn which was due to " identification issues. '' Again, I believe this is due to racial profiling and prejudicism. My funds despite already being cleared where then placed on a 7-day hold. I believe BMO tellers have not been trained to act within their code of conducts and follow their own personal biases. It is my understanding and experience they do not engage in ethical conduct and will profile customers on how they are dressed and what ethnicity they hold. I am a mental health professional and have been trained to interpret verbal and nonverbal communication and conduct. Discrimination and racial prejudicism is occurring in these BMO branches.
Consumer complaint received 2024-07-24
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (ME)

I have a credit card for XXXX XXXX XXXX XXXX. It appears that the credit card is serviced by Barclay 's. I was trying to make a payment online. Their system did not give me an option to make a payment until I answered very intrusive questions related to my citizenship status, income, source of income, etc. I have no problem answering these questions. However, preventing people from making payment is not right. I wanted to bring this to your attention because there should be no barriers for people to make payments on their credit cards.
Consumer complaint received 2024-07-23
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc. (NC)

Nelnet had over charged me for classes I didn't take and the XXXX XXXX XXXX XXXX had closed down in XXXX and XXXX XXXX University online had put me on academic probation whend I was a student there from XX/XX/XXXX to XX/XX/XXXX i called the academic admissions advisor about that and he told me i had to right a letter because i told him i had to withdraw because i two family emergency two of my uncle had died and i was unable to go back to class and to finish school as i explained in the letter but the academic probation at XXXX XXXX University online denied my letter and they still charged me for classes i didn't take and whend i was a student there the teacher and professor or not didn't help me finish up my semester.
Consumer complaint received 2024-07-23
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: Securus J Holdings, LLC (AZ)

I attempted to put money on my husband 's account who's currently incarcerated when it said he was blocked. I then called customer service and asked them why there was a block and the agent indicated that it was because there was a chargeback on the account from XX/XX/XXXX. I then opened my banking app and found out that that was faulse. The agent said the only way to unblock the account so that my husband can access his money is to send a money order and pay them {$130.00}. When I tried explaining there was no chargeback the agent said it might not have been me but it still had to be paid to unlock the account. I asked to speak to a supervisor and the agent said there was no supervisor working. I then got a money order and sent it to the address they provided in XXXX XXXX Florida to a XXXX XXXX XXXX My husband had over {$700.00} on his account. I want to know where that money went to. Jpay committed fraud no questions about it.
Consumer complaint received 2024-07-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC. (NV)

Previously filed complaint XXXX unresolved as of today. See that complaint for a detailed explanation of what happened. Long story short my XXXX  is not working under my new phone number XXXX. 
As of filing first complaint, 1 month ago, I've received no phone calls or emails from Ally. Only a response to the first complaint that they are 'looking into it ' which is not a resolution. 
This lack of follow-up or care is disappointing. I am writing this to say that I am going to give it 1 more month to see if my zelle can be fixed. If not fixed by XXXX. I will be closing out my account and going with another bank.
Consumer complaint received 2024-07-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

In late XXXX I noticed some fraudulent transaction on my 5/3 bank joint checking account. The staff removed my remaining funds, open a new account and placed a {$500000.00} USD hold on my hacked account to prevent further fraud -it didn't work. And within less than a week the new joint checking account also had fraudulent activity. This was the first week of XXXX going into the holiday. I've been trying to close out all my accounts at 5/3 for the past 3 weeks. However, I'm told the fraud investigation is still ongoing so I can not close the account. Meanwhile the {$500000.00} USD is not preventing new fraud. So I have to call 1-2 times a week to open a new dispute, which means the account will be open perpetually. I've had a bank account for over 30 years and I have been a customer for over a decade at 5/3 bank and this is the only bank that has allowed my account information to be compromised multiple times and then creates obstacles to close the account.
Consumer complaint received 2024-07-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (CA)

My loan was purchased by Mr Cooper ( NationStar Mortgage ) and transferred on XX/XX/2024. A week prior to this transfer, I was switching my Hazard Insurance to a new company. To this date, they can not confirm that they received the new Insurance information and I do not want to cancel my old Insurance until I get that confirmation. And this whole time, I am paying for 2 policies. They have absolutley no way to call to get a hold of a live person. Phone trees go off into an abyss. I was finally able to get a live person from their main website page and had to act like I wanted a new loan ( be a new customer ). And I was transferred around for 45 minutes and eventually told that my Insurance Broker has to call in to change the insurance. But with the phone trees of nothing, I am not confident that my broker will get through to anybody. THERE IS NO WAY TO SPEAK TO A LIVE PERSON FOR QUESTIONS.
Consumer complaint received 2024-07-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (TX)

XX/XX/year> I wrote each credit bureau and this company asking to remove this inaccurate information from my account. I ask for the original contract and the 1099c statement letter JPMCB CARD SERVICES XXXX XXXX XXXX XXXX, DE XXXX
Consumer complaint received 2024-07-25
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Statebridge Company (MN)

I took out my first and second mortgage in XXXX. I got my first mortgage modifications in XXXX. My second mortgage disappeared. I never from them until Statebridge contacted me on outstanding debt for the second mortgage. The second mortgage was originally took out for XXXX. Now Statebridge states that I owe XXXXon second on interest and lates fees. They filed a XXXX sale on XX/XX/XXXX. Statebridge settlement offer is XXXX. My attorney is going to offer XXXX. Lets wait and see what happens. I have had sell my stock to come with the XXXX. I am lucky to have the money to pay off this debt.
Consumer complaint received 2023-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Capital One approved me for a credit card and I paid for an entire 12 months 1 year never missing a single payment, nor was I late. Then I had a payment set up for that 13th month and my bank account at the time sent me a new debit card with a new card number. 

In the interim capital one try taking out their payment and since it wouldnt process because it was canceled due to me needing a new debit card, they immediately said I was being fraudulent didnt email didnt message didnt call didnt ask and just completely close my account, causing my credit to be bad After a year of being loyal and paying every XXXX on time they didnt notify me and then they expected me to pay all the fees on it every single month so every month there forward they charge the fee of me not paying on time {$35.00} and then every month there after I just dont feel like they should be able to abandon me in my loan or ask questions not care And just close it whenever they feel the need when I did nothing wrong Then, because what had happened I was continuing to inquire of funds, and there was no way I was paying it I shouldve been sent a bill from the day with how much I owe Old. They should not be able to close my account not let me use it, but then keep it open for them to charge fees for months. I disputed it a bunch of times and nothings happening so it looks like Im going to take him to court, but they cant close peoples accounts, but keep it open for their own purposes is greedy is wrong.
Consumer complaint received 2023-03-15
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. (TN)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my 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 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 2024-07-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IL)

On Sunday, XX/XX/XXXX at XXXX I received a call from Chase Bank about suspicious activity in my checking account involving two online purchases made on my debit card, I asked for that card to be closed and they closed it for online purchases only. At around XXXX the same day while I was at work I checked my account and noticed an unauthorized charge of {$400.00} at XXXX in XXXX was made to my account. I disputed the charge with Chase first on the same day, I was not contacted with any updates on the claim and Chase did not reverse the money as they said they would. I found out the claim had been denied when I called for an update on the claim. I then met with Chase personelle who told me the charge was made via XXXX XXXX on an XXXX XXXX. I do not have XXXX XXXX on an XXXX XXXX and no one else can access my card number or information to make this charge. I created a second claim on the charge and was again not notified when the charge was denied, I submitted further proof such as my time sheet showing I was working during those hours and could not have made those charges as well as a statement and proof of Chase 's initial phone call. My claim was again denied and I was told by Chase 's claims department that they have proof I benefited from the claims, that they have proof the physical card was used, and that none of my evidence was relevant to the case. I only found this information out by waiting on a line, Chase never contacted me and won't email me any of this proof but will mail it in seven business days. Chase changed what they originally told me about an XXXX XXXX having been used to make the purchase and is now telling me the physical card was used which is impossible because I was in possession of the card at the time of the purchase.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXXXXXX XXXX  # XXXX {$1300.00}XXXX XXXX XXXX # XXXX {$600.00}, XXXX XXXX # XXXX {$180.00}, XXXX XXXX  XXXX # XXXX {$780.00}, XXXX # XXXX {$0.00}, XXXX # XXXX {$0.00}, XXXX  # XXXX {$63.00}, XXXX XXXX XXXX  # XXXX {$540.00}, XXXX XXXX # XXXX {$4000.00}, XXXX # XXXX {$720.00}
Consumer complaint received 2024-07-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC. (OH)

I filed a complaint with SoFi XXXX XXXX regarding a transaction from yet another airline in the amount of {$700.00}. FOUR tickets were purchased out of my account. The communication has been terrible. Not even an email showing the dispute has been filed. When you call there is no way to speak to someone and the chat just lets you know the ticket has been created.
Consumer complaint received 2024-07-22
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (VA)

honestly, it has been within the last pass month, {$2500.00} I called to get information about this account and where this amount came from, after asking a question I just got the run-around and asked for a detailed payment ledger, I was told they sent me the information twice which the company did but I wasn't what I requested, I need a payment history ledger with both my payment and the government program assistant on it so I can no the correct amount and what I'm being charged for, I was informed they didn't have to provide that information to me to then I sent a certified letter to the credit bureaus hoping they would do another real investigation and they didn't I send the letter on the XX/XX/2024 on the XX/XX/2024 it came back once again accurate on my credit report, I have yet to receive the document in which that decision was base on, this is very upsetting 15 USC 1692 ( c )
Consumer complaint received 2024-07-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (AZ)

I utilize Chime to move money around since it's easy to do. I deal with a lot of merchants due to my line of business/work. Some of these merchants have started making fraudulent transactions by keeping my card number on file. Although, Chime sometimes sends out notifications regarding suspected fraud sometimes the merchant still access the funds. Lately, Chime has been doing whatever they feel like with my account, such as paying merchants that should not be paid. Some of my disputes are from XX/XX/year>, I can't send them an email because I receive an error message, I call and speak with a representative on the phone and he/she verbally agrees with me on the recorded phone line then does the complete opposite of what was discussed. The documents that were sent to me regarding one of the disputes is something I or anyone else could have printed from the computer.
Consumer complaint received 2024-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (FL)

**Complaint about Truist BankXXXX I opened a business bank account with Truist Bank XXXX XX/XX/XXXX. I received a wire transfer from a title company on XX/XX/XXXX, but my account was blocked and they have been holding the funds ever since. Today is the XXXX, and despite calling multiple times and being promised callbacks, I have not received any. 

Every time I call, Im told the funds are verified and good, confirmed with the sending bank and sender, yet no progress has been made because they haven't heard back from the analyst handling my account. I have invoices to be paid and a mortgage on the property, and this delay is severely affecting my business. Truist Bank is holding onto my money and ruining my business.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (FL)

I am writing this formal letter to express my mixed feelings of disappointment, polite concern, and anger as a consumer regarding recent and newly discovered items that may contain potential misinformation and are not certifiably compliant with reporting standards.
Consumer complaint received 2024-07-24
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: GOLDMAN SACHS BANK USA (LA)

On XX/XX/XXXX, I ordered foundation from XXXX for a total of {$100.00}. On XX/XX/XXXX my package was marked as delivered to my front door but when I returned home from work, my package was missing. I checked my surrounding and asked my neighbors if they received it. I spoke with kohls customer service in which they requested for me to open a dispute with my credit card since they did not process refunds for third party credit cards. XXXX did offer a replacement but I told them that I would go in my local XXXX to order the foundation since it was needed for a makeup job and the replacements would not be in on time so I would have no use for them. I submitted all of this evidence twice to my credit card company and they are still denying my dispute and wanting me to pay for items I did not receive. I expressed to both companies on how {$100.00} is too much money to spend on a package that I never received!
Consumer complaint received 2024-07-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Relay Financial (US), Corp. (DE)

Relay closed my account, I have asked them to send the balance of {$4900.00} to the bank account because I'm not in US, they refused to do so. And insist on sending check to registered address, I can receive mail in this address anymore.
Consumer complaint received 2024-07-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

a transaction to a hotel in XXXX which I did not authorize. XXXX for XXXX I still believe if this is truly investigated it will show that I did not authorize this transaction and not take the word of the hotel that could be involved instead of calling your customer for over 25 yrs a liar and a thief.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I PAID MY FINGERHUT ACCOUNT IN FULL AND I NEED ALL THREE MAJORS CREDIT REPORTS UPDATED IMMEDIATELY SO I CAN BUY MY HOUSE NEXT WEEK. I DONT OWE XXXX PLEASE CORRECT MY BALANCE. THANK YOU!!!