davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (GA)

My wife and I have a joint account with CITI Bank. We received two checks. One from the IRS which was our tax refund and the other from The Small Business Assoc. We received a letter from CITI Bank stating that they are going to cancel our account in 30 days due to fraud. Im not sure if those checks are related to the closure or not, but we can not access the account, we can not pay other bills from the account, and we can not withdraw from the account. We have Excellent Credit, we have been in good standing with all of our accounts. 

We contacted CITI Bank and spoke with several representatives in the Fraud Department and Customer Service. We were simply informed the account is closed and they will not help any further and the call will be disconnected. They then disconnected the call. 

I would like to know ( Exactly ) why my account has been frozen. Why is it standard for every representative in the company to ignore my pleads for help when fraud  is detected? Why has the company failed at the most general level of Customer Service to provide me help instead of ridicule and mistreatment as if I am a criminal? Why would it take 30 to 60 days to give me back my money? Why was I not notified if there was an issue of fraud on my account, instead of notifying me, they simply closed the account. They have effected all of my businesses personal and professional. Below I have filed a complaint with the XXXX XXXX XXXX. If this Company suspects Fraud, then they should contact the FBI, or DOJ and have Federal Charges brought up against me. But they cant because we have done ABSOLUTELY NOTHING WRONG. I will supply whatever documentation needed to support this claim. Secondly, if they do not want to do business with me, then refund ALL OF MY MONEY. Waiting for my money for 60 days while it sits in their account and accrues interest is theft on behalf of CITI. I am FURIOUS! We are in the middle of a Pandemic and RaceRiots and we have XXXX dollars in our account because someone decided XXXX is to much to have in an account. 

This is in reference to your complaint against Citi. Your complaint was assigned ID # XXXX
Consumer complaint received 2021-10-27
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: Experian Information Solutions Inc. (VA)

Experian regularly allows collection agencies that have bought an old bad debit to reage the debit. Everytime I dispute when this happens, they immediately decline my dispute and say the information is accurate and was verified as such with the collection agency without truly investigating. The current issue is with debt posted by XXXX XXXX XXXX, where they bought a debt from XXXX XXXX, originally delinquent 2015.
Consumer complaint received 2021-11-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: FIRST HORIZON BANK (LA)

Due to COVID-19 problems, my husband who lost his job because his employer closed shop was under the deferment plan. My mortgage was sold to XXXX from Iberia Bank. I started paying XXXX who used XXXX for servicing. They take months to credit your account since they will not allow me to pay online like Iberia. Because of health problems and the layoffs, I applied for a grant to bring my mortgage up to date. Due to the lag time of crediting my payments and the late fee they claimed come from my previous mortgage company, I can not get the grant money I was awarded because of a {$10000.00} cap. The {$10000.00} has to bring the mortgage current. They take literally weeks to credit payments. The late fee from my mortgage was addressed in 2012, where I showed the company that I did not owe this amount and even filed a complaint with the credit bureau. I proved that the payments were on time, and that they were taking too long to credit my account ( I started sending certified mail for proof ) so once they initiated online payment, I did not have to address this issue. XXXX says I owe {$3900.00} in late fees. that impossible and not collectible. Iberia Bank said I did not owe this and then they transfer this loan to First Horizon. No one tried to research this or to think for themselves of why would I be allowed to carry a {$4000.00} late for at {$100.00} a pop
Consumer complaint received 2022-11-19
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: EQUIFAX, INC. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-10-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Back in 2019 my personal stolen with my belongings my job is license and Social Security card Who has been trying to make and apply for credit under my name now I have over 15 inquiries I am a victim of identity fraud and I have been trying to get this issue resolved for over a year
Consumer complaint received 2022-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (CA)

I opened a personal checking account online with Key Bank on XX/XX/2022 and gained online access. I made some deposits to start using the account, totaling {$1500.00}. On XX/XX/2022, I discovered my account had been restricted when I could no longer log in online. 

No one notified me of the restriction, or instructions on how to proceed. I called online support, various branches, executive client relations, and fraud support to discover my checking account had been " flagged '' and under investigation because I am located in California and Key Bank does not have a footprint in the state. 

Key Bank has refused to release and return my balance, and I am unable to transfer out my funds or re-gain online access. I would appreciate my balance of {$1500.00} be returned via a trackable shipping method like UPS. 

I would also recommend Key Bank to revise their business practices to notify account holders of any such restrictions and to inform them of next steps forward, rather than for the consumer to be kept in the dark while their funds are inaccessible. 

Thank you.
Consumer complaint received 2021-09-15
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: EQUIFAX, INC. (TX)

DELETE ENTRY UNLESS ACCOUNT CAN BE VERIFIED THROUGH AN APPROPRIATE SOURCE ( COURT ). PER FCRA ENTRIES SUCH AS BANKRUPTCIES CAN NOT BE VERIFIED VIA THIRD PARTIES SUCH AS PACER. 

IN ADDITION THE 3 BUREAUS INFORMATION IN REGARDS TO THIS ONE ACCOUNT IN INCONSISTENT IN MANY WAYS.
Consumer complaint received 2020-06-03
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. (AR)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 
XXXX {$0.00} XXXX  {$1000.00} XXXX {$200.00}
Consumer complaint received 2021-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (CA)

Today I received an e-receipt from Nordstrom 's in XXXX, CA via my email. I will attach it. I was not shopping anywhere today and have been home in XXXX, CA. I called their store a few hours ago and they only made an incident report. XXXX. It should be reported to the fraud dept. It appears the card used is similar to mine. My ends in XXXX, and the e-receipts shows card ending in XXXX I. This seems suspicious and appears to be fraud.
Consumer complaint received 2021-11-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc. (MA)

1. On XXXXXXXX XXXX XXXX, I opened up a XXXX account with three lines for my immediate family ( my mother, myself, and my sister ). We were considering switching providers from XXXX XXXX. I was in XXXX, XXXX at the time. 

2. Within two weeks, we realized that XXXX service wasn't going to be a great fit. I contacted XXXX to cancel the line on XX/XX/XXXX There was minimal data usage ( < 5MB of data per line ) and no voice usage. The representative assured me there would be no charges. 

3. On XX/XX/XXXX XXXX, my XXXX XXXX credit card was charged {$100.00}. 

4. On XXXXXXXX XXXX XXXX, I contacted XXXX. The XXXX representative refunded the {$100.00} given that the line was not used and assured me that the account was closed. I've attached the audio for this call ( XXXX XXXX cancellation.mp4 ), with the representative assuring me of the refund and account closure starting at XXXX. 

5. Late XXXX, I move to XXXXXXXX XXXX  to start graduate school at XXXX. I am no longer receiving any correspondence at my XXXX XXXX address. 

6. On XX/XX/XXXX XXXX, I am charged {$100.00} for a line that had been closed for over a month. I submit a dispute with XXXX XXXX and am credited the full amount. 

7. On XX/XX/XXXX XXXX, I receive notice from Amsher ( debt collections agency hired by XXXX  ) that my XXXX account has been sent to collections. I never used XXXX  service, and provide documentation of the phone call and credit card statements. 

8. On XX/XX/XXXX XXXX I  receive another call from Amsher and am now filing the complaint directly with the CFPB.
Consumer complaint received 2021-07-06
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. (AR)

I had a reward points from Costco City Credit Card for around {$150.00}. The company forfeited all the points stating that I did not renew the Costco Account. I had moved to XXXX and they dont have a Costco there. So I could not renew it. Hence asking me to renew the costco account was not justified and on top of that they forfeited all my reward points and now harassing me for debt collection. 
I contacted the company multiple times and they will said they will not give the reward points back.
Consumer complaint received 2020-06-03
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. (CA)

I requested to have statement closing date or billing cycle ie. date statement is generated changed to the 1st day or beginning of the month and i got many repeated explanations mainly change day bill is due and i told them i do not care when it is due i wont to chance day when charges are computed and bill is generated and mostly i was told due date can be changed to be due dated approximately a 7 day time period repeatedly my request to change statement ending date to end of month or new statement period to begin the 1st was ignored.

Currently it is set to the 4th of the month. 

Why wont Citibank change the statement closing date to the XXXX of month? 

I called and spoke with manager XXXX on XX/XX/2020 XXXX PST and she would not help. 

XXXX told me it could not be changed in any manor. XXXX XXXX affirmed refusal to change statement closing date ie date charges are computed. System will not allow to change date bill is due which will change statement due date to date earlier than what is already set. only dates available for due date is 1 to 22.
Consumer complaint received 2021-07-06
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Frost-Arnett Company (TX)

I received a notice via the mail on XXXX, Sent a written notice to Frost-Arnett on XXXX. In accordance with Title 15 of the United States Code Chapter 41 Section 1692, I requested validation of the debt on more than one occasion within the 30-day notice. However, Frost-Arnett has failed to provide validation of this alleged debt within 5 days of contact/communicating with me regarding the debt. Instead, they have practiced aggravated identity theft under 18 USC 1028 ( A ), by accessing my personal information without my express consent. Altering the account numbers on each notice to indicate new debt ( see exhibit A ). In accordance with FDCPA 8012 furnishing deceptive forms, the monetary remedy is owed to me. ( see exhibit A-total of violation made ). Continuing to alter forms and communicate about a debt that I do not own is considered harassment under 15 USC 1692 ( D ) ( 1 ). Pursuant to 15 USC 16819 ( b ) I never gave Frost-Arnett permission to access my personal information. I want any and all accounts deleted, removed from your system they are hereby disputed, as I am a protected consumer and I am not obligated to pay anything that doesn't belong to me. I am the consumer and according to 15 USC 1692 I do not owe any debt and I am not obligated to pay. I am an admistered agent in accordance with 15 USC 1692 ( f ) I do not own the social security card, In accordance with the code of federal regulations section 422.104 Social Security Numbers are the property of the Social Security Administration and must be returned to them upon request, therefore I am an administered agent and do not own any debt assoicated to it. Further review of the regulations can be loacted via 18 USC 8. Frost-Arnett is unable to validate this debt, in order to validate a debt it means to assess an action, I am the consumer and I am the only one that can validate a debt and this debt isnt mine and isnt true.
Consumer complaint received 2018-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I took out a loan with Bank of America. They called Bank Americard the credit card division and got the payoff amount on an open credit card. On XX/XX/XXXX Bank Americard posted a payment for XXXX to my account. This was the amount provided as a payoff amount through the end of XX/XX/XXXX. In XX/XX/XXXX, I received a bill in the mail for additional interest in the amount of {$250.00}. The bill indicated it was for the period XX/XX/XXXX-XX/XX/XXXX. It stated the balances subject to Interest Rate were : {$6800.00} at 14.24 % and {$14000.00} at $ 14.24 %. I do not disagree with owing additional interest. However, I performed the calculations to compute the daily rate and found that they computed interest on a 31 day cycle ( XX/XX/XXXX-XX/XX/XXXX ) rather than a 21 day cycle ( through the payment date on XX/XX/XXXX ). They state I owe {$250.00}. That would be the amount for interest at 31 days. At 21 days the amount is {$170.00}. I called the Customer Service line and was first told the balance subject to interest was not the amount subject to interest. Then they insisted the charge was correct. Then they put me on hold for over ten minutes to compute the rate outside of the computer and disconnected me. I called back and spoke with another representative. They simply insist their calculations are correct. I asked to speak with someone who could actually go through the calculations again with me and was told the amounts are right and there is no one I can speak with. I told them that I am questioning whether they overcharge every person who pays of their credit card.
Consumer complaint received 2018-02-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (LA)

My issue is with Ditech, and the servicing of my loan. On XX/XX/XXXX,  Ditech paid the flood insurance on my home in XXXX XXXX. The amount paid was {$560.00}. My premium amount was {$450.00}. When I called Ditech on XX/XX/XXXX, they told me that Ditech paid my insurance premium without receiving any documentation from my insurance company for the amount old. The supervisor in the insurance payment division further told me that someone from Ditech called my insurance company on XX/XX/XXXX, and requested the premium amount over the phone, and the insurance provider said that the amount was {$560.00}. Ditech was unable to provide me with any record of this phone conversation when I spoke with them on XX/XX/XXXX. I have a statement from my insurer datedXX/XX/XXXX ( the same date that Ditech says they talked to my insurance company ), saying that my insurance premium is actually {$450.00}. 

I don't believe that Ditech contacted my insurer. I don't believe that they made any attempt to know how much my premium was supposed to be before paying my premium. I can't believe that they would pay my insurance premium without some sort of paper trail or documentation stating the amount of insurance owed. 

This is my second issue with Ditech. Last year, Ditech paid two different premiums on two different hazard insurance policies covering the same house. They did so despite my insurance broker notifying them that one policy had been cancelled, and that I had a new policy. I saw my mortgage payment spike, and had to devote a significant amount of time and effort to retrieving my money -- through no fault of my own.
Consumer complaint received 2021-07-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (PA)

On XX/XX/2021 I sent 10 pages of confidential and highly personal information to USAA Federal Savings Bank via Certified USPS Priority Mail as per their forms/contact address to establish Power of Attorney for my 5 banking/insurance accounts with USAA FSB. On Friday XX/XX/2021 @ XXXX I received an email from XXXX XXXX, USAA XXXX Fulfillment Specialist writing to state my POA request could not be completed or established because of missing pages. ( The mailed documents included 6 pages of very personal info per USAA form and 4 page copy of my legal Will- notarized by my attorney on mailing date XX/XX/2021 ). The email from Ms XXXX contained no information on what pages or documents were missing, nor how or when they went missing. I was advised to go to online account and submit forms or call the main bank number for assistance. The online forms were the same documents mailed! There were no communications in my bank account inbox regarding the events. 
To date, Ive sent 4 emails, made 4 phone calls - one answered- and after more than 8 minutes the CS rep ( XXXX is? ) advised my call had to be transferred to a Banking Specialist. After waiting on hold another 15 minutes, I was disconnected. Subsequently I contacted USAA via the online chat. ( This chat is saved ) ; after 22 minute chat, rep again could only advise a phone call to a Banking Specialist. I am unable to discover what personal and confidential information is missing or other breech of privacy events may have occurred from USAA and their representatives.
Consumer complaint received 2021-10-26
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Recovery Services, Inc. (TN)

I and several members of my family have been continually harassed by FRS and XXXX in particular. They have called my parents and left messages multiple times. As well as refusing to stop contacting them when I requested they stop contacting others regarding my information. They have been calling ( according to my call logs on my cellphone ) for over a month, numerous times. When requesting the company not call my parents, I was told to go ahead and call the police department on 3 way then they hung up on me. They have been calling from several numbers. When I request to speak after my work hours, they won't be there.
Consumer complaint received 2021-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$320.00} XXXX XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$2600.00}
Consumer complaint received 2021-11-30
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: Experian Information Solutions Inc. (TX)

I have sent letters to the XXXX credit bureaus ( XXXX, XXXX and Experian ) disputing a collection account ( XXXX XXXX XXXX ). I asked for validation of this alleged debt for the past XXXX XXXX months. I got a written response from XXXX and XXXX stating the account was verified but no supporting documentation on how their company retained the results and Experian sent response vie email stating that their company verify that the account was accurate. I would like to see supporting documents of their finding when I received a letter dated XX/XX/2021 from XXXX XXXX XXXX that this company required the account from XXXX XXXX XXXX.