davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-15
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

This is regarding my client who is under the XXXX and needs support regularly. He is in our care now and is entering XXXX services soon. This client was charged more than XXXX dollars in excessive transition fees every month. The last two months shows more than XXXX dollars lost from his meager check of XXXX dollars. The branch manager at XXXX at XXXX in XXXX knows him by name and understands that he is under XXXX. This case manager tried to explain that my client does not understand what he signed into and believes that he was just signing into a no cost direct deposit account as explained to him. The bank employee clearly does not want to resolve this. They claimed that they did everything as per the law. My client has even transferred a dollar from his saving to his personal checking and got XXXX dollars of fee every time. This is the money he has earned pushing carts in heat and rain and snow. He wants all his money back -- which is at least XXXX dollars or more. The bank manager first did not want to work with XXXX and me and later wanted to return only what she thinks is appropriate. She clearly brushed aside my concern that my client was being taken advantage from the very beginning therefore all the money has to be returned. She defended her predatory practice of opening saving account that charges money for going low, for transferring his own money from saving to checking, and others that we do n't even know. My client is gullible and has XXXX. He cant even tell you the change he receives after buying a gum. The store manager denied any wrong doing and denied to return the money back. This was reported to the corporate online XXXX and provided all the info requested on the XXXX of XXXX because they wanted to investigate. But, it does not look like this is going anywhere. I am reporting it here, because I believe that my client has fallen to the victim of predatory banking by citizens. I am at disbelief that the bank is scooping money out of this clients account who does not even understand simple addition. I am awestruck with the corporate culture that takes advantage of the poor and vulnerable and still claim that they are doing everything by the book and challenge those who reminds them simple moral practices in banking. 
I want this matter to be investigated and want the bank mangers to be trained to work with people who are XXXX not make their bonus on the expense of people like my XXXX client. 
Thanks
Consumer complaint received 2022-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Today I received notice from XXXX XXXX that TransUnion dropped my score XXXX points. Upon investigation as to why, TransUnion reported that XXXX XXXX reported to them an increase to my credit use by XXXX. This concerned me because my due date is the XXXX of the month and my bill dated is the XXXX of the month and the transaction for XXXX was just posted to my XXXX account on XX/XX/2022. This was not billed yet, so how did Transunion know about the XXXX transaction. 

I called XXXX and learned Transunion told them I disputed the balance on my account XX/XX/2022 and therefore they generated an off-cycle report to Transunion and added a note to my credit report a dispute was filed on my account by me. 

I did not file a dispute on this account. I would have never filed a dispute because there is not a single late payment on the account, not ever. A dispute would be pointless. 

Obviously, this is a retaliatory transaction by Transunion to further drop my credit score. 

I have reported this LIE to XXXX and they have instructed me on what to do to remove this LIE from my Credit Report. I will follow their directives. 

However, this does not excuse the blatant LIE Transunion used to gather information fraudulently they were not entitled to get from my account until I was afforded the opportunity to pay off the balance on my account before the scheduled bill date. This time period is given to all consumers and should not have been added to my credit report until XX/XX/2022 if the balance was not paid in full.
Consumer complaint received 2017-01-03
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (MS)

On XX/XX/2016, I was in XXXX Louisiana and had my debit card stolen along with my cell phone. My banking institution is JP Morgan CHASE. Because I " did not '' have my phone with me I was unable to call the " Chase customer claims department '' XXXX and report that my card was stolen. On XX/XX/XXXX I returned from XXXX back home I attempted to log on to my bank account and find that the funds that were in my business checking account word depleted in the amount was {$11000.00}. I proceeded to call " Chase customer claims '' to report the fraudulent activity. I was advised to submit a claim to their fraud department and also fill out an affidavit regarding the fraudulent charges. I was also advised to reach out to the merchants who received the fraudulent charges and the primary merchant was XXXX. Based on recommendations from chase I was told to file a claim with XXXX as well as file a police report which I did and sent back the information to the chase customer claims department. After submitting all the requested information I was told by " Chase customer claims '' that the claim was denied based on inaccurate information. I asked what " inaccurate information '' means and what could I do to help have this fixed. I was told that they could not tell me that information, and that my best option was to have the claim " resubmitted '' for a second look by upper-level management. After waiting the standard 2 day reply from " Chase customer claims department ''. The claim was denied once again. 
Because the funds were in a business checking account and ultimately belong to another firm. We needed to take action immediately to resolve this issue. We were told time and time again to resubmit the claim to " Chase customer claims department '' to get the same results time and time again. Submit the claim t " '' Chase customer claims department " and after two days receive a denial letter. This is become extremely frustrating because we have gone above and beyond what we are required to do as a consumer from this banking institution. Including filing a report with merchants and getting a police report generated.
Consumer complaint received 2023-03-17
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. (MD)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXXXXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2020-07-10
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. (AR)

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX
Consumer complaint received 2020-11-26
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: FIRST NATIONAL BANK OF OMAHA (NJ)

I disputed a transaction with merchant XXXX XXXX XXXX in the amount of {$160.00} with FNBO due to flight cancellation. ( As described attached ). 

Initially, FNBO claimed that the charge was too old and at a later stage, that since I have already paid for it, I had no dispute rights. 

The card issuer is essentially providing contradictory reasons for not wanting to help me dispute a charge for a service I did not receive. Once again, I suspect discriminatory treatment by this financial institution.
Consumer complaint received 2017-04-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

I am late ... almost 30 days. I went online to make payment. Wo n't let me pay just the past due amount. Its totally impossible online and with their phone system. The ONLY w ay to pay is my past due amount AND next month which is n't technically due or late yet. I either have to make 2 payments or have a 30 day late. This does n't seem right to me.
Consumer complaint received 2023-03-17
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: JPMORGAN CHASE & CO. (MD)

To Whom it May Concern : Card ending in XXXX Im disputing the charge Chase Travel charge of {$490.00} from a car rental cancellation charge from a XX/XX/XXXX booking. 

This car rental was CORRECTLY credited on XX/XX/XXXX and then immediately INCORRECTLY recharged on XX/XX/XXXX. I am disputing the XX/XX/XXXX charge to my account. 


I have called many times and asked for managers to resolve this issue with NO SUCCESS. 


The charge for {$490.00} on XX/XX/XXXX was for a car rental through Chase XXXX XXXX XXXX XXXX  XXXX ) the car was canceled and the credit was just recently processed XX/XX/XXXX and then incorrectly charged again on XX/XX/XXXX. 

There is a second CHASE TRAVEL charge on my account that I reported as fraud in the amount of {$490.00} this is a different charge and was reported as fraud. I did not approve this charge and was correctly credited from the fraud department. 

I AM AGAIN DISPUTING THE XX/XX/XXXX CHARGE OF {$490.00} THAT WAS INCORRECTLY CHARGED TO MY ACCOUNT DO NOT KEEP CONFUSING THIS CHARGE FOR THE {$490.00}! 

On XX/XX/XXXX I spoke to a manager " XXXX '' she said she would give me a {$50.00} credit for my weeks of frustration with the Disputes office and that she would have the back office credit my account in the amount of {$490.00} ( within 15 business days ). The next day I receive a letter from the disputes department saying my dispute is resolved in the amount of {$50.00}. This incorrect and absurd. I have called back to ask for a confirmation of the credit being processed with the back office using the claim # XXXX and each time the reps say its resolved and I have already been credited. They fail to review my account fully and see that I have been charged {$490.00} twice once in XX/XX/XXXX and another charge in XX/XX/XXXX and only credited ONCE. 

I would like this resolved immediately and I want to submit another complaint regarding the terrible customer service I have received, one representative hung the phone up or never came back to the line when I asked to speak to a manager. There have been weeks of calls and requests for documentation and the issue is still not resolved. 

XXXX XXXX
Consumer complaint received 2016-09-30
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Citizens put a hold on money I deposited for more than their normal two days, they never notified me of the extended hold. They have released other checks I have deposited made out to my husbands business with the normal two day hold if they were going to have an extended hold they should have notified me or returned the deposit. They let me take cash out on the deposit and transfer money in to my savings account they put the extended hold on the account to collect ADDITIONAL FEES
Consumer complaint received 2021-02-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: GOLDEN 1 CREDIT UNION, THE (CA)

Golden 1 credit union I was trying to get a loan from online got a letter saying i was approved so went through the steps to get the loan an hour later golden 1 called me saying there was something deposited into my account that was fraud and they are shutting my account down and i beed to pay back what is owed to golden 1 wich is XXXX $ cause i am responsible. Nothing they can do.
Consumer complaint received 2016-08-15
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: I.Q. DATA INTERNATIONAL, INC. (CA)

Requested verification of alleged debt/past-due amount. I owe nothing to anyone and have no outstanding debts. I requested in writing some verification of the supposed debt they say I owe. I received no response. I also requested the exact date the collection company says the spurious debt was due. I requested the exact date the collection agency was retained by the supposed creditor.
Consumer complaint received 2020-10-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (IL)

Lowes/Synchrony Bank So I paid {$100.00} to Lowes at the store  on XXXX XX/XX/XXXX and {$50.00} on XXXX XX/XX/XXXX and received a notice that i was past due on a {$71.00} amount due and they included a late fee saying I owed XXXX. I paid the {$110.00} today XXXX XX/XX/XXXX, but this isn't the first time synchrony bank played funny numbers on payments. I feel that even when you are paying your bill with synchrony they are actively looking to try and charge you more.
Consumer complaint received 2018-03-16
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (FL)

I contacted citi bank after XXXX XXXX for a forbearance on our VA loan to recover from the storm. There was a lot of misinformation and one Rep would say I was in a disaster area another would say no when we clearly were ( XXXX ) the eye of the storm passed right over my county. I was finally put in touch with a manager named XXXX XXXX that assured me I was approved for a five month forbearance and an automatic loan modification after, which he said would be done well before XX/XX/XXXX when my first payment is due. I emailed him XX/XX/XXXX and his email address was no longer working and I have a new case worker who was clueless on anything Id been promised and told me I can apply for the modification but theres no guarantee and it takes at least 30 days. He never mentioned the barage of delinquency and scary letters I was about to get while he is I assume requesting a loan modification. 
I started getting threatening letters that I could lose my house because of the delinquency. I should never have been delinquent if citi had kept their word. I have emails to support my claim of what I was told. I am very concerned about my good credit and my home. I read that VA loans after a disaster should receive a loan mod according to circular XXXX. I ask my new case worker about this and lots of other things via email but I just get form emails back that never answer my questions. Even when I asked a question about the modifucation paperwork I had to fill out he just ignored me. When I call they wont let me pay XXXX because theres a bigger balance due. When I try to pay online it locks out the payment option. I hope you can help me!
Consumer complaint received 2018-03-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have 2 credit card with bank of america and it was opened in XX/XX/XXXX. In XX/XX/XXXX, I got delinquent and default and result for debt cancellation in XX/XX/XXXX. I got XXXX from Bank of America. As of now, I attempted to do refinance my house to fix my mortgage. However, I checked my credit and Bank of America still reported that I owed {$32000.00} for both credit card. I attempted Bank of America to get clearance and they come back and asked me to pay off the debt. Even though they said they had issued XXXX but they still have the right to ask me to pay off. They know that I need to clear that has been charged off and cancelled debt was issued in XX/XX/XXXX. They still asked me to pay in full balance.
Consumer complaint received 2018-03-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of America Ltd. (MD)

The original company ( XXXX XXXX ) picked up the water cooler and the empty bottles that they were billing me for. I spoke with XXXX XXXX XXXX ( President and CEO ) of the company and he mentioned that he told the Collection Bureau of America ( CBA ) to close the account because the company had received everything back in its possession. XXXX XXXX whom I spoke with at CBA was very nasty and she refused to close this account even though XXXX XXXX  requested it to be closed. She claimed she had not heard from the General Manager but he mentioned to me that he had spoken with her and the company can not bill me for equipment that had been returned and was in their possession.
Consumer complaint received 2020-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (MA)

Deposited a Mobile deposit check, it was a Massachusetts Unemployment check. 3 months later they deducted the funds from my account and would not give an explanation, or do investigation. Bank claims that check was cashed after deposit. I destroyed the check myself so that couldn't be possible. Here is a copy of email I  was sent on Wed, XX/XX/2019, XXXX XXXX. 


Hi XXXX, Were sorry to inform you that your check deposit of {$340.00} initially accepted on XX/XX/2019 h

as been returned. Weve received notice from the Federal Reserve that the bank upon which the check was drawn is refusing to honor the check. The reason for their decision : PAID - Duplicate The deposit of {$340.00} will be reversed from your Spending Account as a result of this decision from the bank upon which the check was drawn. In addition to this notice, you will receive a letter in the mail in 7-10 business days regarding this return. If you have any questions, reach out to us by tapping the chat icon in your Chime app. Thank you, The Chime Team Thank you for you help.
Consumer complaint received 2017-01-16
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NY)

Citibank is promoting a bonus offer with the opening of a new checking account. The terms state the bonus will be deposited within 90 days of completing all requirements. I have completed all requirements but have not received the bonus. It is well past the 90 days since I met all requirements. I am submitting a second complaint as Citibank requested my original complaint be retracted.
Consumer complaint received 2022-02-08
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. (CA)

I XXXX XXXX received a letter Resurgent Capital Services LVNV funding LLC reference # XXXX I dont know anything about this they saying I owe them {$1400.00} which I never opened an account with XXXXr XXXX  at all I have had credit cards but never XXXX XXXX I do believe my sister XXXX XXXX has used my information to open this account her telephone number is XXXX XXXX we dont communicate at all this has been done before she also has stolen my social and ID before the s incident happens in 2003 And I hope they can find out whats going on because they coming for the wrong person even though my name was used without my permission I never give out my information for anyone to use please save me from Identity theft You may lock at my credit report and see I never held an account with this company ever I do pay my bills I wouldnt let it get to this if I owed this amount of money hope you can help thanks XXXX XXXX
Consumer complaint received 2022-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

XX/XX/2022 Is the date I filed the claim with chase bank for unauthorized atm withdrawal of {$2000.00}, I was supposed to receive temporary credit within 4 days, XX/XX/2022 but still have not received.
Consumer complaint received 2023-03-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (TN)

Jefferson Capital LLC try to take my money but I called them on XX/XX/23, and made a settlement of XXXX $ to pay off XXXX 's account debt, I paid over the phone on XX/XX/23, they said its take up XXXX hours and I have the confirmation number. and I also have proof of the transaction of the XXXX $ also. I want a letter stating that I paid off the debt and that I have a receipt on my behalf.
Consumer complaint received 2019-02-22
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HEARTLAND PAYMENT SYSTEMS INC (IL)

My student loan was recently transferred to XXXX XXXX. XXXX XXXX   does not have a single method of payment that doesn't incur an additional fee. The cheapest option is a {$0.00} additional fee. 

The act of paying my loan costs additional money beyond the actual loan itself .... This can not be legal.
Consumer complaint received 2017-03-13
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (MD)

I disputed a charge on my card because the goods received were defective and not as described, and the merchant was not responsive to my requests for return/refund. Citi opened an investigation, but did not collect any information from me. The case was then closed because Citi said the merchant provided ample evidence that my claim was invalid. The evidence from the merchant was nothing more than tracking information when goods were first shipped to me. I dont understand how that constitutes ample evidence that my claim was not valid since I was not disputing the charge on the grounds that the items were not received, but rather they were defective and not as described. I reopened the claim and submitted 1 ) correspondence between myself and the merchant that showed that the merchant dismissed my claim and did not respond to requests to return the item and seek refund and 2 ) several pictures depicting the defects and differences from what the seller advertised. Citi again closed the investigation in favor of the merchant because I did not provide evidence I returned the item. I can not provide that evidence because the merchant refuses to assist in the return. 

This is the same claim as XXXX, but Im listing Citi as the company ( XXXX was the merchant )