davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (OH)

On XX/XX/XXXX I received an email from XXXX XXXX " XXXX XXXX '' telling my my XXXX frequent flyer account had been terminated. The reason was vague, multiple choice and more of a form letter that anything specific. At the same time they canceled 3 flights of a set I was about to start taking on XX/XX/XXXX. 

I had accumulated XXXX miles in this XXXX account. This from a combination of credit card offers, direct spend on these credit cards and yes, some miles from 2 specific revenue flights. The flights that were canceled has cost an additional XXXX total from my XXXX account. 

On to the Citi part. From some internet research about this issue, it appears that XXXX  is doing this to many " customers ''. The consensus is apparently that I obtained too many credit cards ( and associated bonus miles ) from Citi. Their belief is that using only Citi 's most strict rules, you can only get 3 or so credit cards in a 2 year period. Offers that Citi sends through the USPS mail have less strict restrictions and it is easy to obtain more than the limits XXXX  is applying. 

In short, Citi approved " too many '' credit cards for me and Citi 's partner, XXXX XXXX, thought that my count was too high. Without warning or recourse, they closed my account. Citi provided me with generous credit card sign up bonuses that were subsequently taken away by their partner, XXXX. XXXX believes it can do anything it wants with its program and for any reason. Citi does not provide a warning during the application process and somehow happily allows customers to sign up for too many ( in XXXX  's eyes ).

The frustrating part about this is that Citi can claim it was XXXX  committing this foul, where XXXX   makes vague claims and the bottom line is it thinks Citi gave out too many credit cards with bonuses. 

I suspect XXXX  sold these miles to Citi. Citi issues them to me after meeting various financial obligations ( a significant cost to me ), then XXXX  takes them away? What kind of scam is this? 

I will note, also, that Citi continues to offer XXXX XXXX credit cards to  customers with XXXX  mile bonuses. I still don't see a warning about XXXX  's " right '' to take them away as they please.
Consumer complaint received 2022-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

- I received an unsolicited call from Bank of America on XX/XX/27 ( XXXX ). I am not a BOA customer. BOA stated that a credit application was made in my name and asked me to verify. I told them I had not applied. BOA then asked me for my DOB and SSN. I refused to provide. BOA said they understood and told me to find any customer service number on BOA website, to call and they would connect me with the credit department. - I first called BOA 's customer service line. After~10 minute in auto dial " XXXX '' I was disconnected by BOA because I didn't have an account. 

- I called a different customer service line. I was on hold for several minutes. I was then told, after providing my DOB and SSN that I would be transferred to the credit underwriting group. I was placed on hold for several more minutes. After a brief conversation with credit, a gain being asked for DOB and SSN, I was transferred to Fraud.

- After several more minutes on hold, I was connected with a fraud person. She asked for DOB, SSN, ZIP and Phone number. She then called me back. She confirmed a credit application was filed in my name ( but did not state which kind, where or for how much ). I asked for a reference number : none are provided. I asked for written correspondence the issue has been address ; not provided. I asked for an email ; not provided. I asked for a phone number to call back ; is not provided. I was told the issue was resolved and entered into her notes. I asked to file a formal complaint ; I was told I couldn't b/c I wasn't a customer. I asked to speak to a supervisor to complain about the process and the time I was forced to waste. 

- I was placed on hold for ~20 minutes waiting for a supervisor. When the supervise came on the line, she knew nothing about my issue, spoke in circle and began to request the same information as the first Fraud agent. I realized she was filing a fraud issue. When I told her that I had already done it, she said that the first person had not done it right and when she spoke to her she realized she'd need to do it all over ( despite me being told it was submitted )- I asked to make a formal complaint. I was told that the supervisor would do it and it would also go " right to our CEO. '' I asked for a confirmation and she told me it was XXXX. When I asked what this referred to, she said, " It's my credentials ''. 

BOA 's process is unacceptable : - it seeks unsolicited PIA from victims of fraud - there is no number to call to follow up easily found on BOA 's website- there is confirmation number provided to customers. 
- BOA refused to provide correspondence via mail or email - The staff promises that issues are addressed, then I learned it was not. 
- There is no formal complaint process - I wasted almost 2 hours of my day on a fraud issue and attempting to address BOA 's flawed process.
Consumer complaint received 2019-07-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

XX/XX/2019 {$60.00} I have reached out to my bank to resolve the issue numerous times. 

I was asked to pay a deposit for a service up front, and upon a confirmed deposit I would receive the address for the appointment. Once I paid the deposit they young lady was no longer available, and social media accounts were gone. I spoke to my bank numerous times and they are refusing to return my funds to me.
Consumer complaint received 2022-12-14
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. (GA)

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 XXXX 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 XXXX 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2022-10-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

CFPB + Resurgent Capital Services LP, I received in the mail a letter from Resurgent Capital Services LP that says I owe a debt. I am requesting validation of this debt - enclosed with this complaint are : - my drivers license to show identity + mailing address - My social security card - Letter I received from Resurgent Capital Services LP - My debt dispute letter I am requesting this creditor to stop contacting me over a debt that I do not owe.
Consumer complaint received 2018-02-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PREFERRED CREDIT INC ()

Not sure what this is it, reports on my credit as a loan which I never took or received. 

Preferred credit secured loan pob XXXX XXXX XXXX mn, XXXX ( XXXX XXXX XXXX total XXXX chargeoff
Consumer complaint received 2016-10-21
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Monarch Recovery Holdings, Inc. (PA)

I, XXXX XXXX demand a complete purge of my personal information from an original creditor, a debt buyer and a debt collection agency. In fiscal year XXXX I filed for personal bankruptcy under case number XXXX, XXXX XXXX of Pennsylvania, United States Bankruptcy Court. At no time was a debt ( s ) from XXXX needed as my debts with XXXX were charged off in fiscal year XXXX, and the statute of limitations had run out on enforcement and/or credit reporting. As the Consumer Financial Protection Bureau is aware that the debt collection industry is broken, it does not give the right for federal collection laws under the Fair Debt Collection Practices Act to be use illegally. I attach XXXX recent collections mailed to me that are not legal, but my information can be considered stolen and now an identity theft issue that I must submit complaints about to the Office of Attorney General, Commonwealth of Pennsylvania. The Fair Debt Collection Practices Act is being violated as follows : XXXX no longer has a legal right to collect under restrictive guidelines in the Commonwealth of Massachusetts, as well as under the Fair Credit Reporting Act to report on credit, or the right to maintain a collection under the Fair Debt Collection Practices Act. Essentially, XXXX had a responsibility to purge my file and my personal information such as my social security number. My personal information has been illegally shared with a debt buyer known as XXXX XXXX XXXX XXXX and a debt collector named Monarch Recovery Management , Inc . 
Monarch XXXX Management , XXXX, claims that they are collecting a debt on behalf of a debt buyer named XXXX XXXX XXXX XXXX. There is no historical connection of a purchase of any debts from XXXX, XXXX, and my information was obtained by an illegal debt pooling process XXXX uses to obtain collections that are no longer legally enforceable. This is pure identity theft by a debt buyer and their counterpart collection agency known as Monarch Recovery Management , Inc . 
I am showing proof that illegal collection activities still go on in the United States, even after the Federal Trade Commission and the Consumer Financial Protection Bureau has fined these types of illegal activities in the millions of dollars. I demand that my files must be purged by XXXX, XXXX XXXX XXXX XXXX and Monarch Recovery Management , Inc. permanently. A follow up complaint will be submitted to the Office of Attorney General, Commonwealth of Pennsylvania within 30-days if I do not receive a purge letter from all three entities.
Consumer complaint received 2019-07-03
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Ditech Financial LLC (KY)

My loan was transferred to XXXX XXXX XXXX, Loan # XXXX, serving company on XX/XX/19. I have not been able to get with touch with someone regarding my account. Everytime I call they acknowledge that I have an account and then state I can not make payments. This loan was XXXX current with Ditech Servicing prior to this transfer. I have attempted to call all numbers affiliated with this servicing company. I have spent 3-4 hours EVERY DAY for the past week attempting to make the payment. I am put on hold, transferred, hung up on. I have all phone records.
Consumer complaint received 2022-12-14
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)

this is my second attempt to get this issue resolved, my first complaint was on XX/XX/2022 the complaint number is XXXX there are collections and inquires on my consumer report from companies that i did not enter into contract with and did not authorize to share my nonpublic information to Equifax. By law Equifax is to exercise its grave responsibilities with fairness, impartiality, and respect for the consumer right to privacy. They are not doing so and are violating my rights to not have my nonpublic information being disclosed to the public. They also violated my consumer right to have these items blocked and deleted in XXXX days by law.
Consumer complaint received 2020-02-10
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (VA)

CFPB Complaint # 1 - VIOLATION OF RESPA - 12 CFR 1024.36 AGAINST NATIONSTAR MORTGAGE LLC D/B/A CHAMPION MORTGAGE COMPANY Servicer : Nationstar Mortgage d/b/a Champion Mortgage Company Loan # : XXXX Estate of XXXX XXXX XXXX / XXXX XXXX XXXX XXXX ( Legally Named Heir ) Property Address : XXXX XXXX XXXX, XXXX, VA XXXX Trustee Sale Date : XX/XX/XXXX To whom it may concern : Nationstar Mortgage LLC d/b/a Champion Mortgage Company ( Champion ) has violated 12 CFR 1024.36 by failing to properly comply with my Qualified Written Request ( QWR ) which I served on Champion on XX/XX/XXXX. 

I received a letter from Champion Mortgage Company, dated XX/XX/XXXX, acknowledging receipt of my QWR. The letter stated that Champion would respond to questions as set forth in my QWR, as well as provide pertinent documentation by XX/XX/XXXX. To date, I have not received either. 
I have filed a lawsuit against Nationstar Mortgage LLC d/b/a Champion Mortgage Company, however I cant get them to respond to my QWR. The law states that I deserve answers to my questions presented to the Servicer. But the only thing Servicer is interested in is foreclosing on my home on XX/XX/XXXX. Since I am being ignored, I need assistance from Consumer Finance Protection Bureau with this very urgent matter. 

Thank you.
Consumer complaint received 2024-03-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: M&T BANK CORPORATION (PA)

A scammer got the hold of a check one of the accounts belonging to XXXX XXXX XXXX XXXX. That person went and cashed the check at XXXX XXXX XXXX XXXX On XX/XX/XXXX ( date cashed ) XXXX. Family was going through health crisis due to COVID and did not receive bank statement for that month. Sometime later, during the medical billing process, XXXX XXXXXXXX XXXX  son XXXX discovered that there was fraud committed on XXXX XXXX 's account. Next day, we fi led police complaint and also complaint at the bank. This was in XX/XX/XXXX, so the M & T bank stated that because it has been XXXX they are unable to refund the money back to our account. The branch manager recommended to keep pushing it to the cooperate ladder to see if they can reconsider due to health crisis going when the fraud occurred. The bank stated that they still can not refund the money and see if the police can help. The police did the investigation and they stated that XXXX XXXX is the place the where the check was cashed by the scammer. However, XXXX XXXX did not check their ID nor have any security footage of the person. In the email on XX/XX/XXXX detective XXXX XXXX stated that XXXX XXXX was not found in public record, but over the phone call they informed me that they had located the person whose name is on the check, but they can not arrest her as there is no proof from XXXX XXXX bank. On the phone call detective XXXX XXXX on XX/XX/XXXX stated that XXXX XXXX is a college student living in XXXX, but they can not arrest her as XXXX XXXX did not ID the person nor have cctv footage. We have tried different ways to get XXXX XXXX XXXX XXXX the amount ( {$3900.00} ) back, but no success. Please help.
Consumer complaint received 2024-04-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NJ)

Someone with access to my social security card number opened an account in my name. The person ( exwife daughter ) was making payments so I never saw account using a different address. The debt collector has not provided a signature, contract, or last activity on account. Would like my signature, original contract, and last activity or payment on account.
Consumer complaint received 2019-07-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC. (KS)

XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX ) XXXX Started a debt in XX/XX/2016. From what I can tell when speaking with them this debt is for an apartment that flooded in 2016. I moved after the flood and did not return. I have explained that this debt is not valid. They are very rude. 

My main complaint with this company is that since they took this account into collections this company has increased the balance on this account monthly. I have not received any documentation from this company to validate the debt, or validation that they have a right to keep adding money to this account monthly for over two years. I have tried to find relief through credit dispute, but they only answer with a letter stating that they can not give info to third party without a signed form but will not provide the form.
Consumer complaint received 2019-07-03
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)

During a period in XXXX and XXXX, I sustained a financial crisis which resulted in paying a number of accounts late. My checking account was with Bank of America. Bank of America did not pay other creditors when the account balances were too low to honor a check or a draft, but repetitively would run its own credit card or loan bills through the account, then charging both an overdraft fee and a late payment fee. Bank of America knew or should have known the money was not there to pay, and therefore acted to run up overdraft fees for its OWN benefit when I did not pay the payment due. I do not challenged the many late payment fees, but never authorized the drafts Bank of America took, apparently for the sole purpose of obtain overdraft fees on transactions Bank of America itself generated. More than a XXXX dollars was charged. I have the records to show these transactions.
Consumer complaint received 2019-07-03
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: Atlanticus Services Corporation (OH)

While reviewing my monthly billing statement from Fortiva I found a charge on my card from an XXXX company in California which wiped out my remaining account balance. I went online to Fortiva 's website and got an online cus svc rep to answer my inquiry which proceeded to tell me to call on XXXX  and report the issue to a Cus Svc Rep. I called on XXXX XX/XX/2019 and spoke with a rep named XXXX. He reviewed my account and told me he would send me a new card and paperwork to fill out to have the fraudulent charge researched. I got the new card but never received paperwork for the fraud issue, so I called them again and asked to speak with a supervisor so I could get this resolved. The supervisor 's name was XXXX and she gave me the runaround telling me that it takes XXXX business days to receive paperwork. I told her I got a new card already why not the paperwork. She couldn't answer my questions and transferred me back to the person I spoke with on XX/XX/XXXX. Explained again what was the problem and I asked if he could email me the form so I could get this issue resolved. I received the form and send back all the information they requested along with a copy of my Drivers License and a copy of the credit card and asked for confirmation that the information was received and I have not received anything from them yet. They were more concerned that I activate the new card which I have not done so because I am not using a card which has no funds on it. Also they told me it will take up to 90 days to resolve this issue. I have always paid on time and always more than the minimum amount. The card was used at local stores near my home and I am not a traveler either. I can not believe the customer service and the delay tactics a customer has to do to resolve these sort of issues.
Consumer complaint received 2019-07-03
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: LoanCare, LLC (KY)

My loan was transferred to LoanCare , LLC, Loan # XXXX, serving company on XX/XX/19. I have not been able to get with touch with someone regarding my account. Everytime I call they acknowledge that I have an account and then state I can not make payments. This loan was XXXX current with XXXX XXXX prior to this transfer. I have attempted to call all numbers affiliated with this servicing company. I have spent 3-4 hours EVERY DAY for the past week attempting to make the payment. I am put on hold, transferred, hung up on. I have all phone records.
Consumer complaint received 2019-07-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MA)

On XX/XX/XXXX at about XXXX XXXX - I sent money to the PayPal account XXXX for some concert tickets. As soon as I was going to get the tickets via XXXX, the person XXXX XXXX, suddenly got rid of her XXXX account. The money was already transferred to this paypal account. I am trying to get a refund for this and that Paypal account locked for scam.
Consumer complaint received 2023-03-20
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. (MI)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
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 Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX$0.00} XXXX  XXXX Bankruptcy : XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Bankruptcy : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX