davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MI)

I bought my weather tech mats from XXXX. XXXX sent me the wrong mats, I tried to dispute the item with Citibank. XXXX first told me that I didnt have to send the mats back. When my provisional credit was declined, I called XXXX. They said Citibank has already debited them and they have no recourse. I thought I should just send the mats back. XXXX got the mats on XX/XX/XXXX. I have called Citibank on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and was told that I can not get my dispute resolved. I also emailed XXXX XXXX response unit on XX/XX/XXXX. I then mailed a letter to their executive response unit on XX/XX/XXXX with all the proof that XXXX doesnt have the funds. The funds are with Citi. I have emailed and called Citi here in XXXX and finally talked to somebody in escalation today-XXXX XXXX who wouldnt let me talk to a Manager since she was a highest person I could speak with and will take 13 calendar days to get back with me. I told her I will file a complaint at this point. Attaching all proofs!
Consumer complaint received 2022-03-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (NY)

My name is XXXX XXXX I made a complaint a few weeks ago, because chase Bank branch XXXX XXXX, didnt pay a check I deposited into my account, I was helping a co worker who need to cash her check asap, I paid the money to XXXX from my pocket. 
Someone with the name of XX/XX/XXXXfrom executive office I believe! Her number is XXXX XXXX ext XXXX She said to me, she will fix the problem! Im still waiting to returned the money to the company who make the check, so this company will reimburse me with another check!. 
Please contact me if you need more information about this matter, the owner of the company already spoke in person with the manager branch in the XXXX! Give a letter the manager requested to start the process to get the money back and so far nothing is happening! 
Any other question please call my cellphone XXXX XXXX XXXX Tha owner of the company who wrote the check his name is XXXX XXXX his number is XXXX XXXX XXXX. 
Chase bank XXXX XXXX XXXX Account number checking : XXXX Account number savings : XXXX Branch XXXX Phone number XXXX XXXX Held checks : Paycheck {$1000.00}
Consumer complaint received 2022-07-08
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2023-03-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (CO)

I will be providing details and documents in the section below. The dispute, in a nutshell, is that our mortgage lender is attempting to charge us a {$100.00} processing fee for which it has no legal, equitable, or justifiable basis, because we transferred our title from ourselves as joint tenants to our revocable trust. 

XXXX
Consumer complaint received 2022-02-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Foris DAX, Inc. (FL)

During XXXX of XXXX I recieved over XXXX of fradulent charges from crypto.com. I quickly called my bank and since them my bacn has accepted the fraud and close the case with out me knowing. about XXXX weeks ago I wanted to consolitdate my crypto accounts and could not figure out why I could not get my money out from crypto.com. I contacted crypto.com via chat XXXX week ago and have been chatting ever since. I then demanded a manager which who knows whom I was speaking too. at that time they said the same thing they needed a debt cancelation letter covering XXXX all processed on XX/XX/XXXX. That is when I called my bank and they told me there is nothing they can do they closed the case and there is no way they can generate such letter after they accepted the risk and paid me for it. this is a week and a day later today XX/XX/XXXX I txted fine release my funds minus the disputed amount and close my account. I got the same answer provide the letterand they can not assist me further. at this point my account with them is {$1300.00}
Consumer complaint received 2018-08-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XXXX I purchased an XXXX XXXX XXXX XXXX XXXX for {$7000.00} with XXXX miles. On XX/XX/XXXX my wife noticed a power loss in the vehicles driving so she came home and then the vehicle was dead ... I then went online and checked for a XXXX for this vehicle and found that 30 Days before in XXXX of 2018 this vehicle was sold at Auction with XXXX miles. I called the Dealer and they acused me of Buyers Remorse and would not listen to my Complaint about the XXXX and the mileage. 
I Paid this purchase with my Debit Card from Bank of America. So I called the Number on the card, told them what happened and they recommended me to go to our local branch and submit the Buyers Order and XXXX to the Fraud Department via Fax from the bank. We did and that was on XX/XX/XXXX ... By XX/XX/XXXX the Bank did a temporary credit of {$7000.00} the Full Purchase Amount and we were told this would take about 60 days to finalize. As of XXXX The Credit was reversed and the wheels are turning to Award the Dealer with the Full Payment. Yesterday, XXXX XXXX I was on the phone with the Fraud Dept. AGAIN. Telling my story AGAIN and they said the case was being Escalated AGAIN but No one seems to be looking at my Paperwork which proves that I have been Defrauded of {$7000.00} ... The Bank Claims Publicly that they are on our side, Against Fraud, and will Stop at no means to bring the criminals to justice but they fail the look at my Paperwork ... ..WHY??? Bank of America Claim # XXXX
Consumer complaint received 2018-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (CA)

I received an offer for a credit card fro Citi in XX/XX/2018. They offered e a {$200.00} statement credit. I applied for and received the card. I used the card for the required purchases. I have contacted them 5 times and they can not tell me when they will issue the credit. They tell me to call one number after another. No one can help, either they have no idea, and tell me to call tomorrow, or their system just crashed and to call in 2 hours
Consumer complaint received 2019-04-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I recently faced an emergency in which I take responsibility of making one transaction that overdrafted my checking account. In the days following, there were other ACH attempts on my account that were then tried multiple times which resulted in {$450.00} in fees being assessed to my account. I attempted to call the BOA customer service department and explain the situation and ask if there was any way the fees could be waived and the representative quickly advised me no. After requesting to speak to someone else, the representative then stated there was no one else to talk to and gave me an address to write a letter to if I had additional complaints.
Consumer complaint received 2018-08-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Suburban Credit Corporation (FL)

I was in a near fatal car accident on XX/XX/XXXX, I had full coverage including personal injury protection, the other driver also had full coverage. After some minor medical procedures and therapy I was back in good health. Some of my medical appointments were at XXXX XXXX and the billing/payment process was delayed by my insurance company until they could coordinate with the other driver 's insurance company. After about a year the other driver 's insurance company settled, but during that time frame I personally received numerous collection attempts ( even though I was covered ). My credit report still shows an {$82.00} dollar collection from Suburban Credit Corporation despite the bill being settled by my attorney almost two months ago ( XX/XX/XXXX ). I have called numerous times to request removal and they keep saying it will be off next week. This is negatively impacting my otherwise flawless credit history and effecting very important loan rate quotes.
Consumer complaint received 2022-02-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I've tried several times to have inaccurate information deleted from my credit report, but to no avail. The accounts referenced in the complaint are not mine. After submitting more documentation to prove my identity, I requested that the credit bureaus investigate and update my reports with the correct information, but they have yet to react. Not only are the accounts inaccurate, but they also report on each report in a different way. Account numbers and balances are not only unfamiliar, but they also do not adhere to the standards governing accurate and consistent reporting. Please help me.
Consumer complaint received 2022-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MN)

The following addresses listed as my personal information on my Experian and XXXX credit report is inaccurate : 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. The addresses are not my addresses and I have never resided at the above addresses.
Consumer complaint received 2022-02-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIRST CITIZENS BANCSHARES, INC. (NC)

I have had a business online banking account with First Citizens Bank for years. In XXXX of 2021, First Citizens changed their BOB system and began charging a $ 15 monthly fee. I did not request the change and I did not consent to it. The account charged was an account that had all payments automatically deposited and bills automatically drafted. I did not notice the change until reviewing statements in XXXX when I noticed {$160.00} of charges. I requested the BOB account be changed to the personal system and a refund of the charges. I was refunded {$90.00}. I am requesting a refund of the remaining {$75.00}.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

I have already sent a request for the immediate removal of the accounts this XX/XX/XXXX but the accounts listed below are still reporting on my credit report and are violating the Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues on reporting unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance Owed : {$50.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance Owed : {$60.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance Owed : {$50.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Date Opened : XX/XX/XXXX Balance Owed : {$60.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance Owed : {$20.00}
Consumer complaint received 2022-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: JPMORGAN CHASE & CO. (NJ)

In a recent copy of my credit report ( Confirmation # XXXX ), XXXX reported no payment activity during a two year period ( XXXX XXXX XXXX  ) on any of 3 credit cards I have. 

In addition, a high credit balance that significantly exceeds the credit limit does not correspond with the period for which monthly balances are provided by Chase, while XXXX XXXXXXXX XXXX and XXXX XXXX report high credit balances exponentially greater than any balance reported in the 2-year period under review and for which monthly data is reported.
Consumer complaint received 2022-02-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated (FL)

I have debt collector by the name of consumer adjusting company ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MO XXXX XXXX, that has been sending me collection notices in the amount of XXXX. This collection has been reported pass due. I am very certain I have never did business with this company and also this company has no signature of mines agreeing to pay them anything
Consumer complaint received 2021-03-05
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: NCB Management Services Inc. (TX)

XX/XX/XXXX I submitted an inquiry for debt validation of an account I did not recognize as valid on my credit reports. I received a letter post marked XX/XX/XXXX with copies of paperwork I do not recognize and a signature that is not my own. Within this documentation is no legal binding proof of identity which was explicitly requested. Furthermore the documentation provided references XXXX and not NCB Management Inc, in which I do not owe and have never owed. NCB continues to report and attempt to collect a debt that is not owed to them or by me at all. I've since disputed this reporting with XXXX, XXXX, and XXXX to no avail. This negative inaccurate reporting is hurting my credit worthiness and affecting my life. 

I am asking for a correct review of this file and that correct information and proof be provided and or reported which is my right as a consumer.
Consumer complaint received 2019-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Synovus Bank (MD)

This is in reference to a XXXX XXXX Platinum Mastercard secured credit card. The issuer held {$350.00} of mine and I could charge up to that amount every month. I paid in full almost every month and was Never late. 

I was notified on XX/XX/2019 that I was going to be charged a renewal fee of {$49.00} during my next billing cycle, beginning on XX/XX/2019. 
I IMMEDIATELY sent a written notice requesting that my account be canceled Before the charge went into effect. 

Two weeks later I spoke with a Customer Service representative who told me that I was Not being charged the fee, that a check in the amount of approximately {$400.00} had already been issued ( {$350.00} deposit plus a negative balance of approximately {$45.00} ) and that I should be receiving it any day now. 
I can provide proof of that phone call but cant attach it here. 

Today, XXXX XXXX, I was told that charges were approved on the account after I closed it, and that I was being charged the {$49.00} fee even though the card has been canceled. 

I would like the {$49.00} fee refunded. 

The representative was rude and totally unwilling to help.
Consumer complaint received 2018-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

To : XXXX, Equifax, XXXX. 
Re : Incoreect Personal Information. 

XX/XX/2018 I am writing to dispute the following information in my file. I have annotated incorrect information with arrow in the attached complaint, as the items that I am disputing on the attached copy of the report I received. 
My name, is not, nor ever has been XXXX XXXX, or XXXX XXXX XXXX, or XXXX XXXX XXXX, or XXXX XXXX, and I have NEVER gone by the alias. Enclosed is a copy of my current drivers license, for accurate name identification. Additional my primary place of residence has never been associated with XXXX XXXX  for over 5 years that I have owned the house. I am disputing the address XXXX XXXX XXXX listed as a large drop off address it is a large commercial shopping center complex with XXXX and XXXX, and I am not associated it the address. 
Please investigate investigate the inaccuracies, and delete the above disputed items as soon as possible. Please also send a corrected credit report to me.
Consumer complaint received 2021-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

This account with XXXX XXXX XXXX is reporting inaccurately on my credit report I have sent disputes to the credit bureau that have been flat out ignored in the months of XXXX & XX/XX/XXXX. The account states that it has not been disputed which is absolutely untrue because it has been removed from XXXX and I have sent disputes in three times Ioan understand the mail not getting there once but not three times. The account is showing an inaccurate date of last payment it reflects XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( Equifax ) but according to the rep I spoke to XXXX the account was last paid on XX/XX/XXXX. The account also reflects a payment status of 90 days late but the account was paid off and made current. On XX/XX/XXXX I requested that XXXX XXXX send me information about this account directly but they have yet to respond to my request and my growing frustration has encouraged me to start filing complaints.
Consumer complaint received 2018-05-23
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: PRESTIGE FINANCIAL SERVICES INC (CO)

I am writing to the CFPB today requesting assistance on receiving information regarding a debt I have with Prestige Financial. I financed a vehicle through this company at a 21 % interest rate for almost {$35000.00} back in XX/XX/XXXX, soon after my Bankruptcy was discharged that same year. I lost my job in XX/XX/XXXX and they were unwilling to work with me, payments wise, until I got another job. The vehicle was repossessed in XX/XX/XXXX and was sold at in auction for {$12000.00}, leaving roughly a deficiency balance of {$23000.00}. They continue to charge an interest rate of 21 % on the balance owed and my paycheck has been garnished off and on for more than a decade, for this vehicle that I have not had since XX/XX/XXXX. I have asked on numerous occasions, for an itemized statement showing my place payments made and interest. In addition, I have asked for the balance owed, a copy of the original contract and other pertinent information regarding this loan balance and I have not once received anything from Prestige, except what is listed on the Garnishment paperwork, every time they resubmit the continuation of garnishment through the courts. On multiple occasions, they have told me that they would provide the information I have requested and yet, have received nothing. Prestige has called and harassed me at multiple places of employments and have went as far as lying to coworkers to obtain information for garnishment purposes. I feel that I am being and have been, taken advantage of.
Consumer complaint received 2022-02-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (IL)

Coinbase has an exchange to buy and sell XXXX but it also has an application called " Coinbase XXXX '' where cXXXX  can be stored. Coinbase claims that the XXXX application is a safe place to store XXXX. On XX/XX/21 I had {$120000.00} on XXXX stored on coinbase XXXX and these were withdrawn without my consent. I don't know how anyone would be able to withdraw money from my coinbase XXXX when I did not authorized any payments. There was no verification, no secutiry steps taken to make sure that I wanted to send a payment. The money was simply taken out of my XXXX I contacted coinbase and they said they were only in charge of the XXXX on XXXX XXXX but not on the XXXX  application. Because of this, I was forced to pay more money as the company who withdrew my XXXX said that I needed to pay more to get my money back. It ended up being a total of {$220000.00} stolen from my coinbase XXXX on XXXX. I have reported this to all the agencies but I also believe that coinbase should be responsible as they claim that coinbase XXXX  is a safe application to store XXXX which is false.