davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-14
Product: Credit 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: CITIBANK, N.A. (CA)

On XX/XX/2023, XXXX tickets ( XXXX adult and XXXX child ) were intended to be purchased for XXXX XXXX Experience Show in XXXX XXXX via XXXX XXXX  with CiTI bank master Card on the app called XXXX. The tickets were purchased while waiting in the line. Instead of XXXX tickets, XXXX tickets got charged ( XXXX adult tickets and XXXX child ticket ). The card got charged {$150.00} total ( XXXX x {$40.00} each adult tickets, and {$35.00} for a child ticket ). 

During the check in, the person who scans the ticket was notified about the issue, they suggested to contact XXXX. While only XXXX adult ticket and XXXX child ticket got scanned for the entry, XXXX  was notified right away to issue the refund for XXXX unused adult tickets. The issue was notified within XXXX minutes of the purchase. XXXX  got back to us the day later indicating that they are not going to refund us money for XXXX adult tickets ( {$40.00} x XXXX ) and instead proposed to issue a voucher for future use. 

I declined to get the voucher and contacted CITI bank to dispute charges on XXXX tickets that got accidentally charged. CITI BANK issued a conditional refund. Ultimately, CITI bank reversed the refund as they went off of what XXXX had to say. CITI BANK never inquired anytime to collect my proofs or evidence to prove fever that XXXX tickets were never used or was charged in error. They never did a thorough scrutiny.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2018-02-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (PA)

NAVIENT HAS NO ANSWERS FOR ME REGARDING MY LOANS! I beleive there is deceptive practices occurring and I have exhausted all efforts to get information. I am paying all interest at this point as the initial loan ( s ) amount has been paid. Further more every month they report an increase to the credit bureaus when in fact I am paying every month and my balance is going down.

I pay {$95.00} a month for 4 loans and every month from the credit bureaus I get info that my balance has increased not decreased. 

This is the info I receive : It looks like your student loan balance went up. This could be due to a missed payment, which can have a negative effect on your score. Your total debt also typically factors into your credit score, so it's best to keep it low if you can. 
BetweenXX/XX/XXXX and XX/XX/, your NAVIENT student loan account balance increased by {$1000.00} from {$690.00} to {$1700.00}. 


Additionally I was placed and released on a forbearance program of which I have had no knowledge of and incurred missed payments derogatory marks which they will not clear.
Consumer complaint received 2019-05-15
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: Neon Newco Corporation (IN)

Netspend failed to credit my account or even give me a chance at a proper investigation they kept denying my claim of unauthorized charges. When in fact if they would look at the video footage from the atms where the money was withdrawn without my consent or knowledge they would know that my disputes were valid. I was a netspend customer For over a year and I had a business and personal account with them which they claim to secure customers money with the fact that theyre supposed to credit customers accounts when I have disputes by law I believe up to {$500.00} and they kept denying my dispute even though it was XXXX just so they dont have to pay me the money back I got my tax check into one of my Netspend accounts back and second week of XX/XX/XXXX I believeAnd there were charges that were an authorized in the amount of {$480.00} that werent credited back to me
Consumer complaint received 2020-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NM)

I have submitted a complaint previously stating that XXXX XXXX listed two late payments on my account in XX/XX/XXXX and XX/XX/XXXX that were paid on time and I provided proof. Equifax and XXXX  both sided with my dispute and altered the inaccurate information reflected on my account. Several months later the creditor changed the information back to the inaccurate version, and now the false late payments show up on my account again as I'm trying to qualify for a mortgage. These supposed late payments were already proven to be false -- all payments have been made on time.
Consumer complaint received 2018-06-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

CAPITAL ONE 360 is utlizing an outdated or incorrect phone # verification system - I have online CREDIT CARD with CAPITAL ONE and never had any issue until I tried to activate a new CHECKING ACCOUNT, and during a list of security questions, they stated they " couldn't verify the Phone # with the account " now CAPITAL ONE has denied access to my online banking account WHICH ALSO HAVE FUNDS SENT FROM OTHER PEOPLE WHO ALSO CAPITAL ONE BANK VERFIED THE SENDERS and still wont give me access too my funds which means I can't pay bills i have had this phone # XXXX XXXX XXXX for _3__ years and utilize it daily for other credit cards and banking even for my current CAPITAL ONE CREDIT CARD account never had any issues until CAPITAL ONE BANK ACCOUNT activation process I can't access my current checking or savings account online or pay my bills
Consumer complaint received 2017-01-30
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BBVA FINANCIAL CORPORATION (FL)

RE Case number XXXX On XX/XX/2016, I hired XXXX XXXX XXXX XXXX XXXX XXXX. XXXX to fix my AC unit. It was n't blowing cold. XXXX XXXX sent a technician and they replaced the blower motor. 2 Months after the repairs, the AC unit stopped working. I called the company and they sent someone. The technician told me that the blower motor they installed 2 months ago was failing again. He opened the furnace and I believe " smack '' the motor and got it working again. 
A month after his visit, the blower motor totally stopped working. I checked the company review on their website and found out I was not the first person to complaint. They have been defrauding other customers. 
My bank supposedly has fraud protection. I have contacted a case has been opened and nothing has been done. 
We have been without AC for over 2 months now. My daughter has XXXX and we can not keep ourselves warm in cold days. 

Please help us. 

Thank you.
Consumer complaint received 2019-05-15
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: BBVA FINANCIAL CORPORATION (FL)

I had 6 fraudulent charges on my card on XX/XX/19. These happened during the day while I was at work and while I still had the card in my possession. BBVA reversed 4 of the charges but arbitrarily determined two of the charges to XXXX XXXX # XXXX in the amounts of {$100.00} and {$110.00} were legitimate. I was given no reason for this decision. I did not receive any proof of investigation. 

I believe this happened because I was honest in the initial interview and said I had shopped at a XXXX XXXX on XX/XX/XXXX. However, I shopped at store # XXXX ( a different store ), I did not use the BBVA card, I used my XXXX XXXX card, and the amount was {$160.00}, which does not match the amount above. I have both the receipt and credit card statement to back up these claims. I also have 20+ co-workers who can tell you I never left my office on XX/XX/19 when the disputed charges occurred.
Consumer complaint received 2024-01-29
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: NAVY FEDERAL CREDIT UNION (MO)

I requested my credit card be canceled on XXXX XXXX, 2023. The card is still with an available balance. Navy Federal Credit Union is currently in a lawsuit for discriminatory practices. And are currently committing securities fraud in my name. They have not helped me in the 3 times I have contacted them, and have hung up on me multiple times which is a violation of the FCC rules, and regulations. When I applied for a loan they requested my ssn, which is a violation of Title 42, USC 408, Title 15 USC 1602 ( g ), and Title 15 USC 1681 ( b ).
Consumer complaint received 2020-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I have contacted the collection company and experian, XXXX, XXXX  I do not owe this debt and uploaded a letter from the supposedly creditor showing {$0.00} balance Unsure how a collection company says I owe something their original creditor notes I dont
Consumer complaint received 2018-06-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Buckles & Buckles, P.L.C. (MI)

Buckles & Buckles P.L.C., a debt collector, along with XXXX XXXX   continue to attempt to collect a fraudulent debt ( Buckles & Buckles File # XXXX ) which was the result of identity theft, despite being notified several times that this was a fraudulent debt, in willful violation of FCRA Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 6 ), and Section 615 ( f ). Additionally, Buckles & Buckles P.L.C., along with XXXX XXXX, continue to attempt ( albeit unsuccessfully ) reporting this debt to the major CRAs in violation of FCRA Section 605 ( b ).

I have notified both Buckles & Buckles P.L.C., and XXXX XXXX several times, beginning XX/XX/2017 via certified, registered mail, as well as e-mail that this debt is a result of proven identity theft. I have kept complete, and extensive documentation of these interactions. However, largely, I was ignored by both named entities, despite having return receipts from the United States Postal Service showing that my documents were signed for.

In the above mentioned documents, I have provided both Buckles & Buckles P.L.C., and XXXX XXXX multiple times, with the following : a police report, an FTC Identity Theft Affidavit/Report, a personal statement, notifying both Buckles & Buckles P.L.C. And XXXX XXXX that this debt is a result of identity theft, a copy of my credit reports with the account highlighted, a copy of my identification, a copy of the FCRA Notice to Furnishers of Information, as well as a copy of my accepted FCRA Section 605 ( b ) requests, and finally, a letter regarding my security deposit at my previous residence, proving that I had moved out more than a month before Buckles & Buckles, and XXXX XXXX claim I applied for, and opened the account.

Buckles & Buckles P.L.C., in conjunction with XXXX XXXX, have willfully violated the Fair Credit Reporting Act multiple times, and have completely ignored me, or provided me with generic information that any identity thief would have ( social security number, date of birth, mothers maiden name, and a previous address I no longer lived at ), each time I have been in contact with them.
Consumer complaint received 2019-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NY)

I have been attempting to repair my credit for more than ten years. I recently paid a credit account in full and the credit reporting agencies in light of this information took from one to 50 points OFF my score instead of adding points to my score. Account reference is XXXX XXXX   indicating charge off /collection/write off - other, which now has a XXXX balance. I am well aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and my state laws so I hope to save both of us a great deal of time by letting you know that not only do I dispute the validity of the fair reporting, I have also checked with my State Attorney General and verified that this reporting is in violation of my rights as a consumer.
Consumer complaint received 2019-05-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (PA)

Today, XX/XX/2019 I signed into my Mr. Cooper account to make my monthly payment. I am actually one month ahead on my mortgage payments and should be due for XX/XX/2019. This is due to all of the additional payments that I have sent in since the beginning of the year. 

I have called numerous times and was told that the matter would be corrected. It was briefly updated to show that I was due for the XXXX   payment which I signed in to pay. Now it is showing due for XX/XX/2019 AGAIN. I have technically already paid XXXX, XXXX, XXXX, XXXX, and XXXX. 

I can not afford to pay XXXX  and XXXX  again. I am very upset and do not know what is going on. This is a major error and should be corrected again. 

Please help as I have contacted Mr. Cooper numerous times and no one ever knows what is going on.
Consumer complaint received 2018-09-17
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: OCEANSIDE MORTGAGE COMPANY (IN)

My loan payoff was requested on XX/XX/XXXX, per the customer service rep with Oceanside Mortgage Company -- XXXX XXXX XXXX I spoke with on XX/XX/XXXX there was a 10 day hold placed on the account so no payments would be sent out. Only XX/XX/XXXX an insurance premium payment was sent out for {$470.00}. This does not align with the 10 day " hold '' that my account was placed on. I sold my home, closing date on XX/XX/XXXX and received the profit the same day via check. The customer service rep stated that my account was closed on XX/XX/XXXX. On XX/XX/XXXX another payment was made for {$410.00} to pay my MIP insurance to XXXX XXXX, per the same customer service rep XX/XX/XXXX. I requested a copy of the MIP statement to see proof that payment was in fact necessary and owed and was refused a copy, stating it was electronic and not something they received or could look at to reference. The balance of my escrow account belongs to me and the insurance payment should not have been made as the account was on " hold '' from the payoff request. After requesting the refund of the escrow balance I was also refused a copy of the bill they received in XX/XX/XXXX and were required by law to pay to XXXX XXXX for the MIP. The only thing they would provide me was a copy of the Underwriting paperwork that was created when I bought the home in XX/XX/XXXX
Consumer complaint received 2020-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (FL)

I HAVE HAD WELLS FARGO SECURED CREDIT CARD SINCE XXXX. I MADE ALL PAYMENTS ON TIME FOR YEARS, UNTIL XXXX OF XXXX. I END UP MAKING 1 LATE PAYMENT, REASON BEING, ILLNESS TO XXXX, WHICH CAUSED ME TO BE OUT OF THE WORK FOR A PERIOD OF TIME. I CALLED A FEW TIMES TO SPEAK TO A MANAGER ABOUT THIS. THEY PRETTY MUCH DID NOT CARE. YOU WOULD THINK BEING A LOYAL CARD HOLDER FOR 5 YEARS WITH ONLY 1 LATE PAYMENT THEY WOULD BE ABLE TO HELP ME. THIS IS MAKING IT HARD FOR ME TO START BUILDING MY HOME. THE UNDER WRITERS ARE TOUGH. IF I WOULD OF NOT GOTTEN SICK. I WOULD OF NEVER GOTTEN THE LATE FEE. I THOUGHT CREDIT CARD COMPANIES TRY AND WORK WITH CONSUMERS THROUGH TOUGH TIMES. I HOPE THEY CAN UNDERSTAND WHAT THIS IS CAUSING. I AM PERSON WHO LIKE TO PAY THERE BILLS ON TIME AND COMMUNICATE WHEN I AM HAVING AN ISSUE WITH PAYING ANY BILLS.
Consumer complaint received 2016-09-26
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: GOLDMAN SACHS BANK USA (IL)

Reference Goldman Sachs Bank ( GS Bank ) ; GS Bank refused to accept written notice to close a CD at maturity. In my opinion this is an overly restrictive and punitive policy. If I were to close a CD that automatically renewed then the penalty would deduct from the principal that was used to " roll over '' the CD XX/XX/2016. 

I contacted GS Bank by phone on XX/XX/2016 and talked to " XXXX '' and again on XX/XX/2016 talking with " XXXX ''. I knew that I would be out of country when the CD matured and would not be able to call the bank. I told this to XXXX and she said it was company policy to handle account closing by phone only. I made it clear I was not happy and decided I would take action to close the account on my return. On XX/XX/2016 I called the bank to close the new CD and was told that the penalty would not be just the accrued interest since the roll over date but also deduct from the principal that was used to open the CD. Again, I told GS Bank that I found this an unacceptable policy and asked to talk to a manager. I was told by XXXX that he was a supervisor and that no one else would change the answer I was given. The penalty would deduct more than one year 's accrued interest in the account. 

My intent was to either open a GS Bank five year CD or move the principal to an competitive bank paying 1.95 %. I was not offered the opportunity to move the money to a new 1.85 % five year CD at GS Bank. 

Checking my financial files I found a XXXX page " Deposit Account Agreement '' from GS Bank. Reading this section on Certificates of Deposit it is not clear that a " phone call '' is required to close a CD. Seems to me I should have been offered the opportunity to provide written notice but was denied that option. I have several CDs with other banks and have been required by at least one bank to provide written notice, not a phone call, when closing an account. 

Simply stated, the GS Bank policy preempted my ability to improve the return on my funds. Because of the policy and the punitive penalty I can not move my money out of GS Bank for another two years. 

I would now like to close the GS Bank CD without penalty and seek support in getting GS Bank to change their policy. 

Thank you.
Consumer complaint received 2022-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma (IN)

My credit score has dropped SIGNIFICANTLY in the last 6 months due to Credit Karma consistently pushing approved loans on me that I am not, in fact, approved for. The number of hard inquiries on my report for loans that I was subsequently denied, is totaling up to 7+. Half of these inquiries were not even made by me. Its going to take me another 6 months just to recover my credit score and actually be approved for a loan. No new house. No new lines of credit. Nothing. Theyve royally XXXX  me.
Consumer complaint received 2019-05-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America Merchant Services is holding my paycheck in the sum of {$7800.00} dollars XXXX. 

On XX/XX/2019, I successfully completed a transfer of funds with my customer, XXXX XXXX, in the sum of {$7800.00} dollars. 3 business days later, when I still did not have funds on my account, I called BoA Merchant ServicXXXX representative : XXXX XXXX XXXX of Bank of America XXXX XXXX branch, XXXX XXXX of BoA XXXX, Texas. Both informed me that there is a security issue with my money, because it is more than a {$7000.00} dollar transfer. 

Background information : When I opened my Merchant Services account, I informed Bank of America that I will be transferring between $ XXXX {$10000.00} at a time from my customer. 

Back to the problem, BoA security department flat out LIED to me that the maximum agreed amount is {$7000.00}, and therefore, they are withholding my money from me. I spent over 3 hours on the phone with them, where, after a lengthy investigation they verbally confirmed that I was indeed correct, and they were at fault, and assured me that with the issue now resolved, the funds will be available for me at the latest, Monday, XX/XX/XXXX. It is now Wednesday, XX/XX/XXXX, and I still do not have any access to my money. 

To add to the insult, yesterday, XX/XX/XXXX, I received a XXXX Priority Overnight letter from Bank of America that was sent out on Monday, XX/XX/XXXX, that stated : " We have attempted to contact you several times to discuss the ( issue ), but have been unable to connect with you, '' this is a complete LIE. No one has EVER attempted to contact me via both phone and email. ALL of the phone calls pertaining to the matter I made MYSELF, and spent several hours on the phone with them resolving this issue. 

The letter goes further saying that : " funding to your settlement account is being held by the Security Department until we hear back from you ... '' again, a total lie because all was verbally " resolved '' on Thursday, XX/XX/XXXX. And it ends with " we have the right to suspend credits to your settlement account ''. The letter was signed by XXXX XXXX, a Credit Risk Monitoring Analyst, and was dated XX/XX/2019, while being sent a week later, priority overnight, conveniently on the very date the bank was supposed to release my money. They are clearly lying to me. 

After receiving this letter on Tuesday, XX/XX/XXXX, I called all the aforementioned representatives and their supervisors, left messages, and have not heard back from a single person. They are avoiding and ignoring me, and I do not see my paycheck! 

This paycheck not only belongs to me, but I am under contractual obligation to disperse a portion of the funds as a finder 's fee payment to the recruitment agency which has placed me with the customer. Bank of America has stolen my money, and are full of nothing but lies and are totally avoiding the resolution to the issue. I do not know what else to do.