davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (FL)

CITIBank retail services- Sears , Shop Your Way credit card. I transferred {$2000.00} from another credit card using convenience checks on XX/XX/2023. This credit card had a XXXX balance at the time and was a promotional balance for 12 months. I scheduled auto payments that would have paid this amount in full prior to the promotional period ending. In XXXX of 2023, I charged an additional {$1600.00} in veterinary bills. I just reviewed my statement showing the promotional purchase of {$2000.00} and found that the remaining balance was a little over {$1900.00}. Approximately 18 % of my monthly payment has been allocated to the promotional balance with the remaining amount being allocated to interest and the newer charges. I contacted the company to ask that the payments be reallocated posting everything over the minimum payment due to the promotional amount. They refused and stated that the payments were being allocated according to my credit card agreement and that any remaining balance would be transferred to interest-bearing at the end of the promotional term. Advertising this as a promotional balance transfer is simply false advertising. Allocating the payments so the credit card issuer earns the interest from the regular charges while leaving as much of the promotional balance as possible to then earn the interest from that is fraud. I am a forensic accountant, I noticed this, how many people do not? This is deceptive, unethical and should be illegal.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: HW Holding, Inc (TX)

I was a victim of domestic assault, incapacitated for weeks, and The XXXX refused me a reasonable accommodation to make a payment that I never should have owed in the first place. They instead used intimidation tactics, threatening to report me to the collections, and subsequently did just that. 

The collection company reports the debt to the Credit Bureau and then deletes it, only to re-add it repeatedly, just to drop my score. When they delete the collection account it does not increase my score back to same score it was before. This is harassment and intimidation. 

This is especially egregious because I do not owe said funds to begin with. I paid an application fee for myself and my roommate, but XXXX stated they were Unable to locate my account and that the payment didnt go through. I inquired as to what was going on as I had proof the account is, not only legitimate, but the funds were in my account at the time of payment. The XXXX refused to investigate the matter, and would not let me dispute the NSF fee. 

I was forced to contact XXXX XXXX  corporate office, the management company of XXXX XXXX, to report this dubious business practice. I was then contacted by XXXX XXXX at The XXXX, who advised I did not owe the NSF fee ; I only owed the application fee and administration fee. 

Keep in mind, I NEVER lived at The XXXX. I only applied to live there. XXXX advised me I did not meet the income requirement, so I immediately signed a lease elsewhere as I had to move immediately ( I was 9 months pregnant and a victim of domestic XXXX ). A few days later XXXX advised me they decided approve me after all- but it was too late at that juncture as Id already signed a lease elsewhere. I was advised the Administration fee was refundable if I did not get approved ; therefore I do not feel I even owe the Administration Fee. 

Obviously, there are multiple points of discussion here, but XXXX single point remains : I have been unfairly discriminated against and now harassed, and it needs to stop.
Consumer complaint received 2024-01-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MD)

I call to dispute the debt, they said they send it to me via mail, I ask for it to be sent via email. they said because it is a dispute it has to be sent by mail. I was give a reference XXXX XXXX.When I didn't receive the document I call back they the despite was cancel, and i can try again, and then they said they cant and a letter had been sent
Consumer complaint received 2024-07-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Business Factors (TX)

I was paying the debt to the hospital from XX/XX/XXXX when unbeknownst to me the XXXX  sent me to collections in XX/XX/XXXX. I have continually made the same {$20.00} payment for years to which the XXXX is still accepting and has never informed me that it was not an acceptable minimum payment until XX/XX/XXXX when I called the XXXX to make a payment. The XXXX informed me that they had been sending letters and calling, but I have not received any of this information. They made the excuse that they sent the letters to my old address, but I verified with XXXX that my address was up to date when I moved. My total amount of debt remaining is actively reducing and is also reflecting to National Business Factor, shown via my credit. I've sent a debt verification letter to National Business Factor in XX/XX/XXXX after finding out I can dispute the debt because I never received any letters or notices from this " debt collector ''. I sent a second verification letter in XX/XX/XXXX. It has been more than 30 days since the verification letters were sent. As it states on the verification letter ; I wanted all communication in writing, but National Business Factor keeps calling and leaving voicemails with a privated phone number.
Consumer complaint received 2024-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/year>, XXXX fraudulent charges were made with what I presume is a cloned version of my debit card in the amounts of {$500.00} and {$340.00} at a XXXX in XXXX XXXX XXXX, Florida. On XX/XX/XXXX ( as soon as I noticed the charges ) I contacted Wells Fargo and informed them of this issue. They sent the claim to their fraud department and said theyd contact me in maximum XXXX business days. Today is XXXX business days and no one contacted me. I proceeded to contact the bank today and they informed me my claim had been denied as the fraud department determined I had made the purchase because they confirmed the chip was used. This is impossible. In fact, I can prove it. I have receipts of other purchases I made on the same date showing I was in XXXX, Florida the whole time. XXXX, Florida is my place of residence. I have not been to XXXX XXXX XXXX, which for reference is XXXX hours away from where I reside. So how is it possible for my card to have been in XXXX places at once? I insisted and explained to the agent that it is impossible, absolutely impossible that I made that purchase. Not only because it wouldve been impossible for me to be at the location, but because I do not frequent XXXX. Ever. Let alone a XXXX XXXX hours away from my house. They refuse to return my money. I did NOT make that purchase. Someone stole my credit card information somehow and scammed me. Wells Fargo is doing nothing. Theres plenty of other authorized transactions in my account that prove I was in XXXX the whole time ( I have attached a receipt of a purchase I made near my house on the same day ). I even contacted the XXXX where the fraud took place and they confirmed the transaction receipt shows the purchase was made only an hour from my next purchase in XXXX. I need this issue resolved. Almost {$900.00} are missing from my account. And Wells Fargo is doing nothing. Im a mother of a XXXX XXXX and have bills to pay.
Consumer complaint received 2024-05-11
Product: Debt collection — Rental debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: National Credit Systems,Inc. (TX)

XXXX XXXX  need to STOP reporting false information and fraudulent charges on my credit report now and they need to remove permanently this information of theirs from my account as soon as possible. Because I strongly believe that I do not owe them any money for something that I never used or lived in nor rented from them. 
They are falsely accusing me of being in debt with them for about {$2300.00} for an apartment I have never rented. I have never even seen nor obtained any paperwork from this supposedly apartment complex.
Consumer complaint received 2023-09-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (IL)

This company was issued a complaint under Case No. XXXX. Unfortunately, it has now resulted to violating the Fair Debt Collection Protection Act and I request the CFPB launch an investigation on my behalf. 

I believe LVNV Funding, dba XXXX XXXXXXXX XXXX, has violated my rights pursuant to the FCRA. On XX/XX/XXXX, I sent the company a debt validation letter in the mail via USPS. I was responding to the companys hired debt collector, Resurgent Capital Services, request that I make a payment in its letter sent to me in XX/XX/XXXX. I disputed the amount of the payment and requested the debt collector validate the debt. I did not receive a response from Resurgent Capital Services. Instead, I received a letter in the mail from XXXX XXXX XXXX XXXX, dated XX/XX/XXXX. The letter from XXXX XXXX was confusing because it failed to address if it was now the new debt collector and Resurgent was not. 

In early XX/XX/XXXX, I was alerted by XXXX XXXX XXXX that I had a collection account placed on my credit profile. It appears that in order to circumvent its obligations under the FCRA, LVNV Funding hired a new debt collector after it received my debt validation letter and the new company XXXX XXXX XXXX XXXX ), immediately placed a collection account under my credit profile. It also appears to misrepresent the date the account was opened. The company reports that the account was opened in XX/XX/XXXX, but it was opened in XX/XX/XXXX and closed shortly afterwards due to never receiving a card in the mail after multiple requests for one. I would like to sue this company for violating my rights pursuant to the FCRA.
Consumer complaint received 2019-05-29
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (IL)

My friend from out of USA contacted me to collect some amount from His client in USA, who gave him a Job via internet but can not transfer money to him ( it was an advance payment ). 
The client offered him the payment via check and my friend asked me to collect the same. 
I got the check and i gave that to the bank and waited for 4 days and bank confirmed that some amount will be available in the first day itself. 
Meanwhile the Client asked me to transfer {$2700.00} to another consultant here since it is not meant for my friend. I dont wanted to do this and do not wanted his money also, then he asked me to transfer it back through XXXX money transfer so i transferred it to him via XXXX through my bank. I did it for {$1500.00} and then realized that the check was not valid and I lost the money I transferred. 

The person contacted me via XXXX ( XXXX ) XXXX ( XXXX ) and also he has name as XXXX XXXX and the XXXX id/phone number he gave me is XXXX the bank code was XXXX The fraud check has the bank name - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX please let me know if you need more information thanks.
Consumer complaint received 2024-01-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BMO Bank, N.A. (CO)

I've tried, several times, to close my accounts that used to be with Bank of the West that were taken over by BMO bank. They do not have a branch location within a XXXX  hour drive of my location so I've called several times to get the account closed but to no end. 

On XX/XX/2024, I drove the XXXX hours round trip to a XXXX branch location, thinking I would be able to close these accounts. I was assured by the bank teller that everything was finalized. 

XXXX, I received an email that my statement was ready to check online. Since it's XX/XX/2024, I've logged in online and see that the checking account is still active. I tried working with the representative this morning but she seemed too worried about enrolling me in XXXX XXXX rather than closing my accounts. 

I don't understand what the problem is. I've never had this much trouble getting accounts ( with monthly fees ) closed. I feel like I'm being preyed upon by this banking entity and I no longer want any association with them. Please help.
Consumer complaint received 2024-07-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd (NJ)

I made 3 transactions with Wise US inc , New York for money transfer exchange, vis WISE APP with Wise account # XXXXThe money was to be transferred from my XXXX XXXX accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX to 2 banks account of a reputed real estate builder ( XXXX ) in XXXX, using my WISE account with ID XXXX, for the purpose of real estate property in XXXX. 
Transaction XXXX : Dated XXXX XXXX, amount {$27000.00}, transaction id XXXX, XXXX XXXX XXXXXXXX XXXX XXXX Transaction XXXX : Dated XXXX XXXX, amount {$44000.00}, transaction id XXXX, Bank XXXX XXXX XXXX XXXX XXXX Transaction XXXX : Dated XXXX XXXX, amount {$180000.00}, transaction id XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Total amount of above XXXX transactions is {$260000.00} WIse had received all the above mentioned amounts from my Banks by ACH, but has not completed the transfer on all XXXX transactions, They abruptly closed my Wise account on XX/XX/XXXX without giving any reason and has removed any further access to my account details. 

The transferred money has also not reached the end customer- XXXX XXXX XXXX XXXX, XXXX as cancelled transactions in the link provided to them. 

Now my money of {$260000.00} is withheld without any communication. When I called Wise customer service at XXXX, they mentioned they have no access to view my transactions and can only communicate by email as an APPEAL. The APPEAL is only on web and displays message, we have received your information and will get back within XXXX business days. 

I am facing huge losses as i take taken loans from XXXX XXXX XXXX to fund buying real estate property, using the funds mentioned above through Bank ACH transfer. 

Also I have noticed several complaints in social media websites, XXXX and CFPB against WISE, who operate as WISE US INC in New York, XXXX. This seems to be recurring practiceof withholding and rotating money of customers by WISe citing reason of FRAUD/SCAM. 

I request CFPB to assist me in recovering the total amount of {$260000.00} from WISE US INC , without any type of fee deductions at the earliest possible
Consumer complaint received 2024-07-11
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. (TX)

On XX/XX/XXXX my personal vehicle was caught in the flooding in XXXX XXXX. Based upon my last complaint in XXXX and the " emergency, '' state of the flooding I called a tow truck and got my car towed from the flooding location to my home on XX/XX/XXXX for {$350.00} and from my home to the XXXX dealership for repairs when they got power back on XX/XX/XXXX incurring a second {$330.00} towing charge. On XX/XX/XXXX I tried submitting these receipts to Chase for reimbursement and spent XXXX calls extending ~ XXXX minutes each going through every reroute from Chase starting at : ( XXXX ) XXXX ( back of my card ), they routed me to roadside assistance : ( XXXX ) XXXX which is the XXXX party to arrange a tow despite being told I needed to submit receipts for reimbursements charged to the card. From there I was routed to Card Holder Benefits at : ( XXXX ) XXXX which finally provided the site of https : XXXX which requires XXXX ) Policy Number, XXXX ) State of Policy ( which I NOR XXXX HAS OR WAS WILLING TO SHARE ) since my personal car insurance policy is NOT THE APPLICABLE POLICY. 

XXXX fraudulently advertises a benefit for the card and then still over 18 months later has fixed this problem brought to their attention by me in XX/XX/XXXX. 

I have attached both receipts for your review and submission to XXXX XXXX XXXX.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (NY)

Be advised this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. Account number XXXX
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kashable LLC (GA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. XXXX, XXXX and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states. '' It is the policy of the Congress that each financial Institution has an obligation to respect the privacy of it's customers and to protect the security and confidentiality of those customers non public personal information. The financial institution and the consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX and XXXX whether it be verbal, non verbal, written, implied or otherwise is revoked. XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that '' A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2024-07-10
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (CA)

I contacted GoldmanSachs on XX/XX/year> to inquire about my apple card account being restricted due to suspicious activity and keeping my account safe. Ive asked multiple times what triggered it and my questions have went unanswered. As an apple card user of over XXXX years and averaging about $ XXXX in annual spend this is very discouraging in using my card ever again. GS is a horrible company.
Consumer complaint received 2024-01-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WASHINGTON FEDERAL BANK (ID)

On XX/XX/2024 My phone was phished by calling XXXX XXXX  to discuss why my bank transfer from Washington Federal Bank had not been processed yet, during that call the member on the other line indicated that they were looking into it but we got disconnected when I was placed on hold.The account was in my husband  XXXX XXXX name and number they sent him a text message see attached to tell him to call them back, which I only saw at a later time. After that point, I noticed my XXXX XXXX had XXXX purchased and sold, and several transactions were processed see attached photos. Transactions started at XXXX XXXX  with them trying to add {$750.00} to my XXXX XXXX account it was declined and failed, at that point they then added XXXX to the account which they then purchased XXXX in XXXX I had a money balance on my XXXX XXXX account that they also used. From there they attempted to add XXXX and were declined/failed @ XXXX XXXX, they then attempted to add XXXX and it was declined/failed. then XXXX was again decline/failed again attempting to add XXXX failed, at this point at XXXX they added a debit card that was saved to my phone that was attached to my sons Washington Federal Bank account and moved XXXX to my Washington Federal Checking account where they then were able to add XXXX dollars to XXXX XXXX  @ XXXX at that time they sold the XXXX  on XXXX XXXX for XXXX. There was another attempt to add XXXX to XXXX XXXX  which was declined and marked as fraud by XXXX XXXX @ XXXX XXXX  after that they cashed out XXXX to my XXXX  account see attached photos. at XXXX XXXX  they made another attempt to add money to XXXX XXXX for XXXX which failed. At this point the money was all gone from mine and my son 's Washington federal accounts and XXXX XXXX and was all moved to my XXXX  account see attached photos. Meanwhile they were doing the same thing in XXXX  they moved all monies from our Credit builder account into the checking account and sent XXXX to a XXXX XXXX XXXX XXXX XXXX. At XXXX they moved the XXXX from XXXX XXXX to XXXX, at XXXX XXXX  they sent XXXX to XXXX  XXXX then again @ XXXX XXXX  they send XXXX to same person leaving {$5.00} left in my XXXX XXXX account. At which point I saw all the transactions and immediately started online fraud cases with XXXX XXXX and Washington federal. I called all 3 as well to inform them of what was going on so that they could freeze my accounts. 
XXXX XXXX has opened 2 cases not and indicated that because it was done from my phone that it was done with my knowledge, which it was not, that they are declining my requests for fraud and will not seek further approval for repayment. 
I am still currently waiting on the cases from Washington Federal and XXXX XXXX. 
Thank you for your assistance with this matter and all that you can do to help me with helping me to obtain a solution in my case