davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-03
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (IL)

I was trying to add my card to XXXX XXXX on XX/XX/2024 after purchasing a new phone. The system prompted me to call Citi with a designated number to verify. 

Since the matter was not of immediate urgency, I called them on XX/XX/2024 with the number the system provided. The representative told me to stay on the line and remained silent for 7 minutes without any further explanation. After 7 minutes, I inquired whether there is any problem proceeding with the verification/whether verification is unavailable for some reason. The employee immediately broke silence and responded that he needs my phone number to send a verification code. ( This shows that he intentionally put me on hold instead of immediately asking for number as soon as he knew he needed it ) After providing the number, he responded that this number can not be used, and asked if I have any other phone number. I only have one U.S. phone number like many others, and told him that I do not have any other phone number. Since he tried to put me on hold without explanation from there again, I told him that I would rather file a complaint and asked for any reference point that could be used to complain about the person on the phone, such as name/employee ID/etc. He refused and insisted that I just call again for a different person. 

With the issue of not being able to add my credit card unsolved, I am filing a complaint here.
Consumer complaint received 2024-10-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (IL)

Its not about my servicer. I was scammed by western benefits group for years thinking my payments were being applied to my loan balance. I also attended a school that was shut down for deceptive business practices ( XXXX XXXX XXXX ). I dropped out when I learned of fellow students unable to obtain careers in their field like promised after graduating with a degree. I only owed a little over {$10000.00} at the time and my loans have since grew to over {$20000.00}. I tried to have them wiped for years with no luck and I have been working as a public service member for the last 4 years at USPS. I missed the deadline for that loan forgiveness but with my school being shut down I feel like my loans should have been wiped since they lied to obtain funds. Now I owe that and I lost thousands to western benefits group and I just need to know how to fix all this please!! I do not have the same bank account that XXXX was drawing from but im with the same back and would have to ask for the history of payments to them in order to submit it over.
Consumer complaint received 2024-10-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Blockchain.com, Inc. ()

I have been unable to send out funds from my blockchain account for over two years and I was told to upload my identity which I did, and it took several months for them to respond to that and told me that my identification process was not successful but has since made it impossible for me to redo the process. I keep getting a message that says we are unable to verify you at this time anytime I tried to click to redo the identification process. I opened a ticket with them about it on XX/XX/year> at about XXXX XXXX. Since then I have not received a reply regarding the problem or have access to my funds. I have in effort to get my money or get a reasonable answer sent about 30 mails but no reply to any of them The funds are visible in my wallet but I cant send it out. And I cant redo the identification process.
Consumer complaint received 2024-10-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (AZ)

I attended XXXX XXXX back in XXXX / XXXX fresh out of XXXX XXXX like hundreds of thousands of others did my age. When I realized XXXX XXXX was taking loans out in my name without my authorization, I immediately stopped going to the school. 

Years later, the federal government closed XXXX XXXX due to massive Fraud. It is widely known by the public that XXXX XXXX committed fraud against ALL their students. I filed a defense to repayment claim with the federal government and the recent federal court case that was won, forced the feds to process all these defense to repayment claims that had been sitting for years. They approved my claim for XXXX XXXX and expunged all my student loans related to this school. 

I have been in bankruptcy on and off for the last 10 yeasr of my life due to this. But when I exited bankruptcy after my student loans were forgiven, i was shocked to see private student loans from Navient, that are from XXXX XXXX. I never knowingly took out any private student loans with them and had no idea these loans even existed until I exited bankruptcy. 

I filed a motion to have the loans discharged through Navient since XXXX XXXX literally frauded every single student they ever had, and figured that they would clear them out. Navient came back to me and said no they would not get rid of the loans and that I needed to pay them or they would sue me/ ruin my credit. They flatly refused to offer me any explanation as to why they denied my motion for discharge. 

Back in XXXX a former student of XXXX XXXX sued Navient for this same reason and won. This case, known as XXXX v. Navient, brought attention to the issue of predatory lending practices in for-profit education. XXXX XXXX won this case. So there is a precedent. 

I am currently attempting to hire the same law firm that helped XXXX XXXX back in XXXX but it is proving to be almost impossible. No one wants to help me fight this. I will not pay for loans that I didn't take out. I will live with bad credit forever before I pay for fraudulent loans.
Consumer complaint received 2024-08-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (FL)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-10-04
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY (NC)

Wells Fargo XXXX number XXXX Opened on-line matured on XX/XX/year>. Grace period through XX/XX/year>. 
Problems : 1 ) Wells Fargo does not allow an option to transfer funds to any WF account at maturity 2 ) There is no online or phone option for customer to decide what to do with the funds at maturity - ONLY OPTION IS TO GO TO BRANCH IN PERSON. Which is ridiculous in this day and age ( especially when opening option is available online ) 3 ) I was traveling internationally and missed the XX/XX/XXXX deadline to be able to visit the branch- when this was automatically renewed at a low rate. I had to cancel the CD on XX/XX/XXXX when I visited the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC branch - for which Wells Fargo charged me a penalty - so I lost some principal on a renewed CD.
Consumer complaint received 2024-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NY)

Order Date : XX/XX/year> Amount : {$130.00} Company : XXXX XXXX XXXX  Paid By : Chase XXXX XXXX XXXX My complaint is with JP Morgan Chase A claim was created by JP Morgan XXXX On XX/XX/year> I received a tracking number and description of product from XXXX XXXX XXXX. Upon reading the description it indicated I was receiving ( XXXX ) gold earring hoop instead of a pair of earrings. I immediately contacted XXXX XXXX XXXX to confirm what was written and they told me it was for ( XXXX ) gold earring hoop. Since the package was not shipped only a label was created, I told them to cancel it. They apologized for the inconvenience and was not going to pull the package or cancel the order because it was a final sale. I told them I did not see I was getting ( XXXX ) gold hoop, I have XXXX ears and I need another earring. 

I contacted JP Morgan Chase and opened a claim. They credited me the {$130.00} after I received the package and REFUSED it and mailed it back to XXXX XXXX XXXX. JP Morgan credited me at this time. XXXX XXXX XXXX reshipped the package back to me and I REFUSED it again and mailed it back to them. I am not in the possession of the ( XXXX ) gold hoop earring. 

Today I received a letter from JP Morgan Chase stating the {$130.00} will be debited from my account because they feel it's now in the hands of the merchant and the seller. They are debiting my account on XX/XX/year>.
Consumer complaint received 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

These Corporations, EQUIFAX XXXX, XXXX XXXX, & XXXX XXXX, TAKE XXXX NOTICE, PERSONS, COLLECTION AGENCIES ( NOT BUREAUS WHICH IS ALSO FALSE MISPRESENTATIONS AS ATTORNEYS ) PAY CLOSE XXXX ATTENTION TO EACHWORD I SAY IN THIS. LETTER TO YOUR BOARD MEMBERS, STAFF, AFFILIATES CEOS CHAIRPERSON S AND ATTORNEYS FOR THESE NON FEDERAL POLICY HOLDERS WHO ARE NOT THE LAWS OF THIS LAND - TO HARM, IMPEDE ANY OR ALL OF THIS ASSUMED AND AFFIRMED FEDERAL RIGHTS WILL BE SUED FOR VIOLATIONS OF MY PROTECTED UNDER FEDERAL AND STATE LAWS THAT PROTECT MY MY PERSONAL CIVIL LIBERTIES UNDER FEDERAL LAW AND GOVERNMENT PROTECTIONS. YOU ARE HEREBY BEING GIVEN PROPER ACTIONS OF NOTICE TO PLEASE CEASE AND DESIST ANY ACTION OF YOUR SORRY- XXXX ATTORNEYS THAT QILL GET YOUR AS BEAT IN A FEDERAL COURT OF LAW! I WILL NO MEASURE TO NOT CUT YOUR COMPANIES INTO FRIGHTENING LITTLE PIECES AND HAVE NOT ONLY YOUR FAMILY LOOKING AT YOU IN HORROR AND DISBELIEF WHILE I THE ORIGINAL " ALLEGED CONSUMER '' THROUGHLY THROWS WHATS LEFT OF YOU ACROSS YOUR CREDIT REPORTS AND SQUEEZE WHAT'S LEFT OF YOUR COMPANIES ACROSS WHAT LEFT OF YOUR LYING CORPATIONS NAMESAKES. I AM HERR TO XXXX WITH YOU, STALL FOR TIME OF PLAY WITH MY NAME!! YOU WILL FIND THERE ARE NO CHILDREN HERE. I WILL NOT WEAP FOR YOU. IF YOU WAN NA TRY IT- FINE. TRY MY PATIENCE. THERE WILL BE NEWSPAPER REPORTERS PRESENT. I AM HERE TO LEAD AN REVOLUTION TO DESTROY YOUR COMPANIES, AND KEEP YOUR XXXX XXXX  IN CHECK OR BREAK YOUR COMPANIES INTO PIECES. I WILL PLOW MY WAY THROUGH YOU BY USING THE FCRA, CFPB, FDCPA AND FEDERAL TRADE COMMISSION TO MAKE YOUR COMPANIES OBSOLETE! THIS IS YOUR LAST WARNINGS!! I the ALLEGED ORIGINAL CONSUMER HAVE MY OWN PHONES! One cell phone is free the newest is paid for by card. The INACCURATE dates disclosed ARE IN FACT INACCURATE VIOLATIONS OF THE FEDERAL FAIR CREDIT REPORTING ACT. FACTA, FDCPA, FEDERAL TRADE COMMISSION. THEY THE XXXX AWAY FROM MY CREDIT FILES OR I WILL THIN YOUR POCKETS!
Consumer complaint received 2023-11-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

Won a lawsuit against XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX. MI XXXX in the amount of {$5.00}, XXXX for destroying my driveway. They did not pay, On XX/XX/XXXX XXXX  a request for WRIT FOR GARNISHMENT was filed with XXXX XXXX XXXX XXXX XXXX, XXXX MI, XXXX against 5TH THIRD BANK, XXXX XXXX XXXX XXXX MI XXXX. I Received notice from the court on XX/XX/ that XXXX XXXX XXXX had " NO OPEN ACCOUNTS '' with Fifth third. I run a small landscaping company and at one time acctually bought Mulch from XXXX, I have two cancelled checks payable to XXXX drawn on Fifth third I used to pay for this mulch, made in the order of " pay t o the order of '' XXXX XXXX, I feel more investigation may be due, is some one twisting words, and XXXX is running over more people in our town as I am not the first this has happened to. They also hold a lot of monies witch could possible sway decisions. 

The bank Representative was XXXX XXXX LEGAL OPS. SPECIALIST FIFTH THIRD BANK, XXXX
Consumer complaint received 2024-09-27
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: WELLS FARGO & COMPANY (MO)

They keep adding a balance to my account which is charged off. I have already filed multiple complaints with them and with you guys as well I have screenshots where it's getting worse bc they keep adding stuff fraudently and are refusing to fix it ... been dealing with issue since XXXX of this year
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



Inquiry XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-10-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commercial Trade, Inc. (OH)

I checked my credit report in XXXX XXXX and saw a debt from XXXX XXXX XXXX XXXX XXXX, California reporting a debt of XXXX dollars for an original creditor called XXXX XXXX. I called them to find out what this debt is and they told me I had a gym membership in California. Ive lived in Ohio since XXXX. They sent me the contract that they claim is mine, and its signed by a XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. Not only do we have different middle names, our first names are spelled different. He also has a different California drivers license number then I had when I lived in California. If anyone knows anything about drivers license numbers they would know that your id number is unique to you, much like a social security number. So if I have a California drivers license and move out of state, then moved back 30 years later, I would get the same id number I had before. Im attaching the contract they say is mine, youll see the name spelled different multiple times, a different id number then whats on my California mvr also attached, youll find the spelling of my name is different as seen on my Ohio drivers license, and if you look at my picture and the pictures taken from XXXX XXXX XXXX multiple facebook accounts, including one of him wearing a sweater from the original creditor, youll see we are in fact different people. But these incompetent people at XXXX XXXX XXXX will sit there on the phone and call you a liar, despite having been sent all the evidence.
Consumer complaint received 2022-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: M&T BANK CORPORATION (DE)

M & T locked my online access to my account, they indicated I have to go to the branch to resolve this issue. However, I have moved and is travelling outside of M & T foot print and could not visit a branch. 

I have spoke with their Fraud team, customer service, Branch, and Executive Complaint team on numerous occasions and no one is willing to resolve the issue M & T is illegally holding my fund and prohibit me access to my checking account.
Consumer complaint received 2024-10-02
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CONGRESS COLLECTION CORP (MI)

I have been contacted by them over 30 times in the last week. I have let my lawyer deal with them as I am in bankruptcy stay and everything is included from medical on up. They contacted me this morning a female who would not give me her name when I told her that she was in volation of bankruptcy stay, and that it was included. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc. (NY)

Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against Square , Inc. regarding the withholding of funds from my small business account. The account is registered under XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, a certified minority-owned and family-operated business. The associated account email is XXXX. 

On XX/XX/year>, Square began withholding a sum of {$3200.00} from my business transactions. Despite my repeated attempts to contact Square via email and phone, I have not received any response or explanation for why these funds have not been transferred to my designated bank account.

Additionally, I have tried multiple times to transfer the funds through the Square app, but the system will not allow me to do so. As a small, family-owned business, this amount represents a significant portion of our cash flow, and the inability to access these funds is severely impacting our operations and ability to meet financial obligations. 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX prides itself on providing high-quality nuts and dried fruits to our community, and as a certified minority-owned business, this situation is creating a serious hardship. We kindly request your assistance in resolving this matter and ensuring that Square releases the withheld funds promptly.
Consumer complaint received 2024-10-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Newport Intermediate Inc. ()

I made the transfer on XX/XX/XXXX and the processing date was XX/XX/XXXX. I received an email on XX/XX/XXXX saying " Your XXXX XXXX ( XXXX ) transaction was successfully initiated for the requested beneficiary. '' I contacted the beneficiary on XX/XX/XXXX and the transfer had not yet been made. I contacted the bank on the same day to find out why the transfer had not been made yet. 
The transfer should have been completed on XX/XX/XXXX. 

They told me that it could take up to 14 days for the value to be extonated. After the deadline, I got in touch, letting me know that the amount had not yet been extonated, they told me that they were going to go to the management and that I was going to receive an email within XXXX business days. No resolution yet, I've had other problems with this company and they always say they will send an email and I don't send it
Consumer complaint received 2024-09-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Blockchain.com, Inc. (MA)

I have registered an account with Blockchain and had my father from abroad send me his assets to my account. My account had pending verification and it got mistakenly rejected back in XX/XX/year>. The app was saying that to get full access to my account and the ability to sell my assets, I needed to reach out to their Support center by filing a request on the websitethe only way to reach out to their customer support center. Since XXXX, I submitted many requests, and have never heard back from a real person and my assets are frozen. Some bot has been sending me very basic identity verification instructions which do not works. Please help me get ahold of the company to have my account verified so I get access to my funds. Thank you!
Consumer complaint received 2024-09-25
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (NJ)

I have had a chase amazon visa card for many years. One of the features of the card was a payment plan, where you can space out a payment over time. In the past, there was no charge to do this for certain Amazon purchases. When I was prompted to decide if I wanted to use the no interest payment plan for 2 purchases in XXXX I clicked yes. The plan is called 'Chase pay over time SM '. Nowhere did it state that I would pay a monthly fee for this, or what the fee was. I had been seeing small fees on my statement every month, but assumed it was a balance. I finally went back over several months and called the vendor. They said they were not charging me this fee. 
I called chase, who then escalated to a supervisor when I said that I had not agreed to this fee, and it made no sense to pay. The supervisor said his name was XXXX XXXX and would not give an identification number. He said that I could not exit the plan, and the fees would be charged until I paid off my entire balance. I am suffering a hardship and have run the credit card to almost the max. I can not afford to pay off the entire balance in order to exit a misleading program. He refused to transfer me to someone else, or to send me any paperwork or statement detailing the plan terms, or show me where I had agreed to pay a monthly fee. He refused to terminate the pay over time plan and put it back into a regular plan. 
Chase is misleading customers. Anyone can exit a contract at any time for anything else, yet they are binding customers into a plan where they have not outlined the terms. They are taking advantage of indigent and low income customers, and tricking them into more fees. I was also denied a hardship payment plan overall for the card, and am still paying a huge interest fee. I would like someone to investigate their credit card false advertising and misleading practices. I want to exit this plan. 
Please see attachment where I screenshot the plan, there is no info about fees
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Bureau Services Association (NC)

Ayo Im just lettin you know I dont agree with the debt under the Fair Debt Collection Practices Act I dont need no extra proof or paperwork just makin sure you know I dispute it Only time to hit me up is through email XXXX XXXX XXXX XXXXXXXX to XXXX east coast time Dont bother callin leavin voicemails or sendin mail through XXXX XXXX XXXX or whatever Its just a hassle for me
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AL)

This addres XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX, is on my account Ive never lived here and the address is inaccurate, it states its an apartment but its a house