davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (MA)

We used Citi AAdvantage Card for our flight from XXXX to XXXX. However, our flight got cancelled due to weather and we stayed in XXXX for one more night and waited about 24 hours to get to another flight. We checked with Citi staff on the reimbursement issue but they didn't reply to us in about a month. 

Claim Number : XXXX - Citi card ending : XXXX
Consumer complaint received 2022-02-02
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: Experian Information Solutions Inc. (NY)

When I received my credit report, I was disappointed to learn that the following incorrect and fraudulent things were still there, despite the fact that I had informed you that they were the result of identity theft. To help me fix my credit record, I'd like you to erase the entries indicated in my letter as soon as possible.
Consumer complaint received 2019-08-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (OR)

See CFPB Case XXXX. I could not log in. I received letters from XXXX but still no evidence to establish how the accounts were opened and for what. They state that on XX/XX/2017, an XXXX store card credit application was submitted, and that the store card account was used for the XXXX membership. The prime membership is {$90.00} a year. I did not apply for a XXXX card through XXXX and the amount ( s ) charged do not comport with the amount of an XXXX XXXX membership. 

As for the XXXX card, XXXX states an application was submitted on XX/XX/2017, with name, verified address, telephone number, and other personal information, and activated XX/XX/2017, from " my '' telephone number. They do not give the telephone number, nor do they give the " verified '' address, etc. I at least need to know what telephone numbers were called, to and from, in order to activate the card. I also need to know what numbers, to and from, were used to make the {$72.00} payment using my business account debit card. I can verify whether or not the phone number ( s ) called from was mine and, if so, check XXXX records ( yes, I have those records ). I also want a copy of the credit application. In addition, was it an online application or a written application? As I stated before, my next door neighbor had his kids stealing our mail and the account was opened, apparently, using my home address, which I never used because of ongoing mail theft. Additionally, XXXX states I received the benefit of the items purchased, items that I had absolutely no interest in, did not purchase, and would never have purchased. Finally, XXXX referred me again to Midland Funding, which is only interested in collecting from me, the victim of this ID theft, the fraudulent charges. 

Looks like XXXX doesn't know how to do a real investigation.
Consumer complaint received 2019-08-12
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

I have previously filed with CFPB. The file was closed based on the company 's response which I feel is inadequate. When I spoke to the lady that called from the Office of the President of the bank she asked for my mother 's social security number. She put the number in her computer and said that they have no record of her. She said that they only keep records for so long and then they are escheated. I have already checked with the Ohio unclaimed funds and there are no funds listed for my mother. 

This is the information as I provided it in my original complaint along with my feedback upon receiving the company 's response. 

>>>My mother had a IRA Certificate of Deposit with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio. ( XXXX XXXX XXXX XXXX XXXX ) ( Account XXXX  XXXX ) She passed away some time ago and I am having trouble locating the whereabouts of her now matured CD. Can you help me? I filed a complaint through the FDIC and they sent it on to you. Your file number is XXXX which is now closed based on the company 's response which I feel is insufficient.The company that held the account after they acquired XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio is Fifth Third Bank in XXXX, Ohio. The bank Presidents ' secretary contacted me and entered my mother 's Social Security number into her computer. She said that they have no record of my mother 's accounts. This IRA CD that I am looking for was opened in XXXX and did not mature until XXXX. When my mother passed away in XXXX that IRA CD was still listed in her assets so I know that she did not cash it in. My sister and I have searched our records and we do not have any information to support that we cashed it in. Including tax records fro XXXX until now. I want a further search of their records to find that account. Surely they have micro fiche from that time period! That is too much money, {$17000.00} + to let just slip away!!! <<< Further, I still have the letter that we sent to XXXX XXXX XXXX on XXXX XX/XX/XXXX that referenced my mother 's passing and our intent to deplete the account by XX/XX/XXXX. That letter had our full names and addresses and was signature certified. We were never contacted regarding anything about the account. Again - I want a further search of their records to find that account. Surely they have micro fiche from that time period! That is too much money, {$17000.00} + to let just slip away!!!
Consumer complaint received 2022-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Sequium Asset Solutions, LLC (CT)

On XX/XX/XXXX | sent a request to SEQUIUM ASSET SOLUTIONS to validate the account that was was opened on XXXX XXXX, XXXX with a balance of {$180.00}. To this day SEQUIUM ASSET SOLUTIONS has failed to answer my request as they are required by Federal law and Im very concern because I believe this account was never late.
Consumer complaint received 2022-04-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: U.S. BANCORP (WA)

On XX/XX/XXXX I went to my US Bank branch in XXXX WA to send an international wire transfer to XXXX XXXX. XXXX. For {$15000.00} ( XXXX XXXX dollars ) Wire XXXX The receipt said that the funds will be available XX/XX/XXXX but the money was never received till now XX/XX/XXXX. and is not in my account neither. 
I been in the branch several times and they just said that it has been reported. 
Now they don't want to talk to me anymore. 
Thank you for your attention. 
Desperate customer
Consumer complaint received 2021-02-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

On XX/XX/2021, the mortgage company that holds my mortgage Select Portfolio Servicing withdrew via checking account XXXX without my verbal consent. I immediately contacted the company to ask them to expedite the claim to return the funds back into my checking account. As a result of their error, my account was overdrawn more than {$500.00} dollars. This occurred during a snowstorm and I have two children. I had other bills scheduled to be paid that could not be processed. This caused so much stress, irritation, and frustration. I called the company several times on XX/XX/XXXX, XXXX, and XXXX. To no avail did they give me an exact date as to when my funds would be available refunded. Every time I spoke to a representative from Select Portfolio Servicing they provided conflicting information about the process for refunding the funds and could not provide a definitive timeline.
Consumer complaint received 2021-02-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (GA)

{$54.00} XXXX ordered 8 cans of XXXX. They claim it was delivered on XXXX XXXX. I never received it. PayPal denied my purchase protection because the merchant says they delivered. My post office reviewed the tracking and tell me it's not valid. I click on tracking box and it goes to PayPal saying oops or something wrong. The post office say they get a lot of scam tracking as it comes from XXXX. PayPal is supporting this scam. Also XXXX is not providing any cans so how are they able to send me 8 cans. They are preying on our desire to fight covid-19 and take the money without sending the product. This is a crime. 
I just noticed PayPal changed their denial of refund and putting {$54.00} in my account. This proves something is not right. I told them I would be reporting them to you. This may have forced they decision.
Consumer complaint received 2019-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (SC)

I have two concerns resulting from a visit to the Wells Fargo branch located at XXXX XXXX XXXX, XXXX, SC XXXX, XXXX. This visit occurred on Friday, XX/XX/2019 from about XXXX XXXX XXXX ET. 
A. I requested a printed copy of my recent transactions on my checking account. I was assisted by a banker named XXXX ( or XXXX ) XXXX. She is new to the bank and does not know me by name. She has assisted me two previous times. 
I have a password on my checking account. The password was added to my checking account five months ago by a banker who is no longer working for Wells Fargo. This action was taken to protect my account when, about five months ago, a relative shared with me that her checkbook was missing. Her checkbook included information about my checking account and its routing number. 
When Ms . XXXX pulled up my checking account, she did not ask me for that password. I gently prompted her to ask for it by stating that I may need a reminder of which password I was using. 

B. Upon receiving my request for a printed copy of my recent transactions, Ms . XXXX turned her gaze back to the computer screen and stated to me that she needed to update my account. She proceeded to ask me numerous questions appearing on her computer that I found to be quite personal. I protested the questioning several times, declining to answer almost all of the questions. 
Some of these questions follow : If I had a checking or savings account with any other institution. 
How the accounts are doing. 
If I have an investing program. 
If I had a computer or cellphone and banking apps. 
If I had any auto drafts on my checking account. 
If I had any future plans. 
I have had this checking account with Wells Fargo and the previous banks that were bought out by Wells Fargo for at least 31 years. I have never been questioned in this manner. When I asked Ms . XXXX why I was needing to update my account, she responded that they wanted to compare their performance with my other banks. When I told her that I had never had to update my account, she responded that I completed the same survey four months ago when I transferred to a different safe deposit box at another Wells Fargo branch nearby. I responded again that I have never been asked to answer these questions, especially at the time so recently that I was transferring to the new safe deposit box. 
I left Ms. XXXX desk and went to speak with a senior banker at this branch who does know me. He told me that the purpose of the questions might be to identify me correctly in the future. He then asked me if I had recently had any employment changes. 
Are these private questions the bankers stated as updates necessary for Wells Fargo to electronically identify me? Was this series of questions that I received at the time of my recent visit legal? 
Thank you so much for your assistance!
Consumer complaint received 2021-07-12
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: Navient Solutions, LLC. (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 200 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2017-12-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DIRECMANAGEMENT, INC. (AL)

On X/XX/2017 I reached out to the following companies asking them to prove and send documents that I owe this amount and until this day I have received nothing! They repeatedly called me and other family members requarding this situation. If you say I owe this debit send the all the documents stating I do. I have to right to see everything you say you have against me. It has even been law offices calling and writing me about these debit. The companies are as follow XXXX XXXX {$1700.00} XXXX {$12000.00}
Consumer complaint received 2022-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (CO)

Since XXXX XXXX I have been consistently paying off my American Express balance at about $ XXXX a month after having gone through a unexpected emergency which saw my credit pushed to its limits. I never miss payments and XX/XX/XXXX was the first month Id ever failed to pay of the previous balance. 

Since then the balance on my account has been steadily reducing and my credit score been improving. Before making my payment last month to American Express I took advantage of their Plan It program offer reducing my overall balance and setting my minimum payment for about XXXX of my overall balance to XXXX  monthly. That was the XXXX of XXXX. 

On the XXXX of XXXX, I opened an email from American Express saying they were going to lower my credit limit if I failed to pay them {$1500.00} in three days. Having just 5 days earlier given them {$1000.00} for my due date I thought the email must be a scam. I checked my account messages and found nothing so I forgot about it. A week later I received another email saying they had indeed lowered my limit by {$4000.00}. Over double the amount my balance was reduced due to the Plan It option. Essentially raising my credit utilization more than it had previous been. 

When I contacted Amex about this issue I was first fed some lip service about why my limit had been reduced and then offered two options for resolution. The first an appeal, which was explained could be denied, or another guaranteed option for reinstating my limit paying them XXXX by mid XXXX. That is extortion. Plain and simple. 

This company who has, without fail, been paid every month, almost always above the min, offered my account an incentive to pay some charges over time ( for a fee! ) and then tried to extort another large sum payment after Id agreed to a XXXX minimum for a part of my balance. I had/have every intention to continue to pay far over any min, as I need to find a new apartment in the upcoming months and now will struggle to do so due to a reduction to my limit, affecting my credit score. 

Blatantly greedy, especially when the program is suppose to be a lifeline to those who could really use more time to pay off there balance. Please beware.
Consumer complaint received 2019-08-12
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Real Time Group, Inc. (PA)

I received a letter on the XXXX of XXXX in relationship to a second mortgage that was discharged in Bankruptcy. The Bankruptcy was discharged XX/XX/XXXX of 2015 and while the letter indicated that the debt may no longer be owed in the event of a bankruptcy it is still a demand for payment regardless of the legal language. 
I reached out to the company numerous times on the XXXX to avoid having to file a formal complaint but I couldn't get any one on the line. I spoke with a XXXX along with other reps who did their best to help but the file was with the Bankruptcy department indicating to me that they where aware that a bankruptcy was filed and and discharged which would make this a breach of of section 524 title 11 of the bankruptcy code.
Consumer complaint received 2019-08-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (MO)

As my consumer rights as a citizen I'm requesting a debt validation from LVNV Funding, and a Method of Verification from the credit reporting agencies known as XXXX  and XXXX to show just cause of why they continue to report an account deemed to be fraudulent. Who / title of the person inwhom your company 's representative talked to and what form of communication was used. I'm demanding that the account LVNV Funding inwhom I have no contract with be removed immediately.
Consumer complaint received 2019-08-12
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Snow and Sauerteig LLP (IN)

My hospital bill from XX/XX/XXXX that I have been made monthly payments on since its origin was turned over to " Snow & Sauerteig, LLP '' on XX/XX/XXXX. I sent them a CEASE & DESIST letter on XX/XX/XXXX explaining that I was settling the debt directly with the hospital and not to make any further communication to me regarding this account. On XX/XX/XXXX after the receipt of my cease & desist letter, without my knowledge or consent, Snow & Sauerteig, LLP filed a " Request for Affidavit Signature and Assignment of Debt '' approved through XXXX XXXX XXXX XXXX on XX/XX/XXXX to transfer my XXXX XXXX debt to themselves. I was never notified of this action by the hospital, court, or law firm until recently via paperwork hanging by rubber band on my front door knob apparently delivered by XXXX County Sheriff Department on XX/XX/XXXX. I also received same paperwork via mail on XX/XX/XXXX.
Consumer complaint received 2019-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

My Wells Fargo credit cards was closed on XX/XX/22 due to a delinquent mark. I received a letter which stated this. 

I've investigated the mark with XXXX  XXXX XXXX and it's since been solved. All credit bureau 's have been notified and the mark has been removed. 

I've opened a case with Wells Fargo on the XXXX of XXXX and have been calling back weekly to get an update. I have not been assigned a case manager in the two weeks. Yesterday a woman had told me the card was closed due to inactivity. The card was last used 4 months ago. I submitted a complaint via XXXX   and today I was finally able to be transferred to the " Wells Fargo Executive Credit '' department. XXXX from this department said this was a business decision and the card will not be re-opened. I stated I never received ANY sort of warning, especially if it was for inactivity. My rewards points were stripped and I would not be receiving them. XXXX stated there is nothing more I can do. 

I've had this credit card for 10 years and had ZERO marks in my entire credit history. I believe I'm being unfairly treated and entitled to a case manager to actually investigate.
Consumer complaint received 2019-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (WY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX WYOMING XXXX This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. 
Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX Made by : XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. 

Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. 
Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Hi on XX/XX/2022 I got the capital one venture XXXX XXXX, On the XXXX I see that Capital One shut my account, but did not give me back the {$390.00} annual fee, on XXXX XXXX 2022 I called and they said that Im going to see it back within 10-15 business days, on XXXX XXXX 2022 I called back and i was told that the annual fee of {$390.00} doesnt go back. 

Thanks for your help.