davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (TX)

Hello, I recently opened Checking ( ending with XXXX ) and Savings Account ( ending with XXXX ) with Citi Bank on XX/XX/2020. And deposited {$5000.00} in Checking, and {$10000.00} in Savings Account. 

Today while logging into my account online, I came across a notification which says that Citi Bank has terminated my both of the accounts. And I would get my funds back through a check mailed at the address on file. I am alo unable to see my full account number as the online access to the account has been restricted. 

Upon contacting them over phone, I was advised that the reason for terminating the account is that the address provided is a business address. 

However, they can not send the check for the monies in my account on the address provided on file, and asking for other physical address ( with utility bills ) which I do not have, as I have recently relocated to XXXX, TX for a job, and that is the reason I had provided my employer 's address in order ensure I receive all important mails. 

Now, I am faced with this situation where the Citi Bank abruptly closed my account ( even after having sent my Debit card and the Checks on the address provided ), and would not refund my monies in the account - {$15000.00} I take this opportunity to request you to look into this matter, and direct them to send my money ASAP at the address on file. 

I sincerely hope that you can understand my predicament where I am facing inconvenience wrt abrupt closure of the account XXXX XXXX ), and inability to get my funds back in time. 

Looking forward to a positive reply. 

Thank you Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-26
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: Experian Information Solutions Inc. (FL)

XX/XX/2022 - {$2000.00} and {$1100.00}, sent certified mail to XXXX, Experian, and XXXX to dispute wrongful credit reporting and to provide proof or have that deleted off my credit report.
Consumer complaint received 2022-01-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CA)

I sent a wire transfer of USDXXXX on XX/XX/2021 from my account under XXXX XXXX to my Chase Saving account, I didn't receive the fund after the wire and I realized that I put the account No. without the last 6, generally it should bounce back to my original account because the name and the account didn't match. I called several times but couldn't go through so I scheduled a meeting with a banker in my home branch on XX/XX/2021, the staff helped me to call the service and I was told the fund went to the wrong account, I doubted that why they credit the fund to an account name and account didn't match, the banker helped me the submit a ticket saying someone will contact me, but no one contacted me, they also mentioned I should get the original bank to amend the information and send to Chase, while I am waiting for the callback I contacted the original bank to send the amend, they sent on XX/XX/2021 and I went to the bank to meet them, then they told another story, they informed me the only way to do the investigation of a wire transfer is to send security message through the Chase App, the banker helped the create one message, but the response always came back as a generic message to show general, no one looked into the specific case and let me know what's the next step Chase was going to take. I went to Chase on XX/XX/2021 to complaint to the branch manager, he asked the banker to submit an executive investigation letter of this issue, it was supposed to get a reply in 2 business days, someone got back to me on XX/XX/2021 showing he knew what happened and could be the case specialist, and on XX/XX/2021 he called me again saying no one was responding on the case and he had to close the case but will still follow up. I didn't receive any response for now.
Consumer complaint received 2018-02-08
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (TX)

I refinanced with Freedom Mortgage in XX/XX/2016 in order to lower my payments. I went from paying {$1500.00} to {$1300.00}. This month my statement said my payments were {$1900.00}, up {$600.00} more per month. The statement further stated my escrow was in the negative {$4500.00}. I called 3X before finally speaking to someone who understood what was going on. The first 2 customer service agents said it was because my insurance and taxes were high and expected me just to pay it. I new that couldn't be right, I had money going into escrow every month. The 3rd person I spoke with found an error where Freedom Mortgage had paid my windstorm insurance twice. This extra payment was {$2100.00}. Half of the negative balance of my escrow. The are currently investigating where this money is since the insurance hasn't refunded the escrow. He then admitted that me that the under writer surely did the math wrong at the signing of the loan. 

1. Freedom Mortgage did the math wrong leaving me short with my escrow 2. They paid my insurance twice, {$2100.00}. Leaving me with an even more negative balance on my escrow. 
3. Didn't even call me concerning the drastic change in my payments, instead, they just sent me the hefty bill and expected me to pay it. 
4. The first 2 reps did not even help look for any errors. They just expected me to pay. 

Freedom Mortgage doesn't seem to know what they are doing. They make multiple mistakes and just expect the customer to foot the hefty bill.
Consumer complaint received 2022-04-29
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upgrade, Inc. (TX)

Wrongful Behavior by Upgrade : - Paid per ALL hardship agreements as shown in the XXXX XXXX document of automatic drafts taken from my account along with the posted payments on the Upgrade website previously sent. They have stated that they have reached out to me by phone and email and I have NO record of any calls from Upgrade and they have conveniently not recorded any of my calls to them. 
o Dates of calls to Upgrade as follows : XX/XX/XXXX at XX/XX/XXXX at XXXX phone call to discuss my payments moving forward. Was told that there is an error on my account will need to escalate to upper management and will give me a call back. Never received a call. 
XX/XX/XXXX - On my credit report from XXXX, XXXX and XXXX dated XX/XX/2021, my credit history was NOT late other than 60 days back in XX/XX/2021 which was the start of my hardship program with Upgrade. 
- Then on my credit report from XXXX, XXXX and XXXX dated XX/XX/2021, my credit history has a charge-off in XXXX after completing ALL payments as agreed upon. 

Upgrade is claiming that I was behind for multiple months, if that is the case why is it not showing that and where did the money that was drafted from my account go?

Upgrade has consistently report incorrect information to all three credit agencies after all payments were made according to the hardship program. It also states in the hardship agreement that " Your reduced monthly payment will result in the accrual of additional amounts. the total of the principal reductions will be added to your final loan payment made at maturity ''. This document is attached for review. so how are the payments behind?
Consumer complaint received 2021-06-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc. (CA)

Binance.US has locked me out of my account for absolutely zero reason. They have no customer support number, and they will not get back to me after writing several tickets. 

They essentially are holding my money hostage and wont reply. I cant do anything and Im furious I cant get my money out. 

After looking on XXXX I can now see this issue is VERY common and happens to a lot of people who still havent had any help from the company. Some people who have {$5000.00} basically stolen from them.
Consumer complaint received 2021-05-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

In XXXX of 2020 an XXXX transaction between myself and a buyer was cancelled but after funds were paid. He, the seller, was refunded the full amount minus the taxes which were collected by XXXX, all transactions via PayPal. 

Subsequently, XXXX was required and obligated, via many calls to representatives confirming this fact, to refund the buyer his sales tax which is their responsibility. 

I, in good faith, refunded the buyer his taxes after months of delay by XXXX. 

In addition, the buyer opened a dispute for funds through his credit card which was tied to PayPal. This put my PayPal account in a negative balance and has since locked me out of the account of which I am still in the negative. 

I refuse to pay this amount twice and take a loss for charges not collected nor refunded to me for this transaction. 

An appeal was sent to PayPal from myself, with proof of my refund to the buyer of the amount in question. {$280.00} PayPal has stated they are not responsible for the balance since the dispute was entered with the buyer 's credit card.
Consumer complaint received 2018-02-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CO)

XXXX is the worst company I've ever dealt with. 

Since XX/XX/2014 I have had my student loans serviced through XXXX, and have been making qualifying payments toward PSLF. Each year I re-certify my employment and electronically upload this form to their site. At this point I should have around 40 ( out of 120 ) qualifying payments, and yet, my account says I've made only 7. 

I've tried emailing and calling XXXX. They do not return emails. Their phone service providers are not helpful. I can't get any answers. 

They have also consistently raised my IBR payment each year. I have requested switching to REPAYEE for a lower payment, and have received no response. 

How does a company this large with so many people 's financial lives at stake get away with simply ignoring their customers? They provide inaccurate, harmful information. They do all they can to keep you in debt.
Consumer complaint received 2024-01-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NC)

What happened is this company I.C.SystemXXXX XXXX XXXX XXXX XXXX stating that I owed debt, {$4600.00}, on supposedly a loan that I requested in XXXX, which I never did or have knowledge of..It 's in collections This is Not my debt and asked for it to be resolved and removed off my credit report! I called the company and it's false representation of XXXX based off the phone number it's a different company name/number. I called and verified but it's not I.C.system or XXXX XXXX XXXX XXXX. SEEMS as a Company using other companies legit information and scamming people such as myself. I would like this to resolved ASAP. and removed from my credit report ASAP.
Consumer complaint received 2021-08-18
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. (GA)

On XX/XX/2021 Equifax mailed me a document stating that the fraudulent inquiries were removed however instead of removing them, the duplicated the inquiries. This against the law and my consumer rights.
Consumer complaint received 2021-05-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I deposited 3 XXXX XXXX money orders for a total of {$1800.00}. The next day Fifth Third took money from my account leaving me with a negative balance. When I called to ask about it, they said not to worry, the balance would restore within 24 hours and the money orders from XXXX XXXX would clear. 

It has been almost a week and Fifth Third is claiming via telephone call that XXXX XXXX money orders could not be processed. There were no errors on the money order, this is age, gender, and race discrimination. Valid money orders should not be declined by the bank.
Consumer complaint received 2019-09-25
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: ERC (CT)

I LOGGED INTO MY CREDIT MONITORING SITE AND NOTICED THAT THERE WAS SOME FRAUDULENT ACCOUNTS ON MY CREDIT REPORT THESE ARE THE ACCOUNTS AND DATES WITH THE AMOUNTS 1XXXXXXXX XXXX XXXX {$720.00} DATE OPENED ON XXXX 2.ENHANCED RECOVERY COL {$250.00} DATE OPENED ON XX/XX/XXXX 3.XXXX XXXX {$300.00} DATE OPENED ON XX/XX/XXXX 4.XXXX XXXX XXXX {$19000.00} DATE OPENED ON XX/XX/XXXX 5.XXXX XXXX XXXX  {$360.00} DATE OPENED ON XXXX 6.XXXX XXXX XXXX {$650.00} DATE OPENED ON XX/XX/XXXX 7.XXXX XXXX XXXX  {$240.00} DATE OPENED ON XX/XX/XXXX
Consumer complaint received 2019-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

I have contacted TransUnion and XXXX twice to dispute old credit information on my credit report, including things that are 8 years old and the state the credit was acquire in only allows that information to be reported for 6 years, but yet TransUnion will not remove it from my credit file. There are closed accounts from XX/XX/XXXX-XX/XX/XXXX, they will not remove, no matter how many times I dispute them. I have several fraudulent inquiries that I have reported to them as well, I even have fraud alert on my account and they still will not help.
Consumer complaint received 2020-01-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

On XX/XX/XXXXBayview Loan Servicing ( BLS ) bought our Mortgage Loan from XXXX XXXX. 
Since XX/XX/XXXX, we have had nothing but headaches with the new XXXX XXXX XXXX. 
We have made ALL ( 100 % ) our monthly payments on time ( {$2600.00} ). 
We do pay our Property Taxes and Property Insurance on our own ... no need for an escrow account. This is exactly the same way we did operate with XXXX and how the terms of the loan were approved by XXXX and ourselves. 
We made several phone calls to Bayview Loan Servicing ( BLS ), left messages and not only that NOBODY did return our phone call messages, worst is that nobody from BLS was able to make a correction to our claims and they keep insisting in that we owe them money..!!? 
A letter from them dated XX/XX/XXXX was recently received telling us of an " intent to accelerate '' and that we're in default. 
A lender like BLS doesn't not deserve to be a part of our community. 
When we tried to make our payments on line, either the website is not working OR they are listing a phone number that offers you many different products to be purchased!! 
Instead of making it easier for the customer to make their payments ... .sometimes we wonder if what they do is trying for customers to either miss their payments on time, so that they can collect outrageous fees..!!

Attached you'll find copies showing : 1 ) Letter Notice of Default 2 ) Letter showing Property Taxes paid up-to-date 3 ) Property Insurance Installment Notice showing we're paid up-to-date
Consumer complaint received 2021-01-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: UNIVERSAL COLLECTION SYSTEMS, INC (AR)

On XX/XX/XXXX at XXXX, I received a call from a XXXX claiming to be from Universal Collection Systems. She simply told me to pay a debt of {$50.00} and then asked for my card details. It seemed suspicious to give my details over the phone so I asked for a website and put the information there. I still find it strange that a debt collector needs my card number, expiration date and the three numbers on the back. I was never told what the debt was for.
Consumer complaint received 2021-11-09
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: CITIBANK, N.A. (AZ)

We received our AT & T UniversalCard ( a MasterCard issued by CItiBank ) statement two weeks ago and noticed a fraudulent charge. I called customer service, reported the charge, and asked them to issue new cards with new account numbers. The representative said no, that was not necessary ( very, very bizarre response -- not something any credit card company has ever done in the history of forever -- HUGE red flag right there! ). Fast forward to yesterday when I was alerted there were a series of additional charges from the same entity, totaling hundreds of dollars more ( yet the rep. said the original fraudulent charge was flagged and being investigated for fraud -- what credit card company lets a flagged entity, one they are supposedly investigating for fraud, to continue to charge the card -- a card they are refusing to close and reissue in spite of all the fraud? ). So I call again, get another rep., literally spend twenty minutes insisting I need the account numbers reissued -- I mean, who argues with a consumer like this when it is OBVIOUS the card is compromised??? This has never happened even with AT & T UniversalCard in the past. Also, it's the first time I've had to deal with foreign outsourced CS reps when dealing with a fraud situation. I honestly believe it's the reps themselves perpetrating the fraud at this point. 

It HAS to be illegal to refuse to close out account numbers and reissue cards in the face of repeated fraud. Also, why are we outsourcing sensitive financial information to bot farms and call centers overseas? This is insanity! 

Anyway, here I am, a couple of weeks away from XXXX travel -- highly anticipated as it may very well be the last time I see my father, and it's the first time I'm seeing my son in XXXX years -- with no viable card ( the card my reservations are charged to ). 

CitiBank has also now made it impossible to log in and monitor activity on my card from my laptop ( something I could always do ). 

I do not understand why they would treat a XXXX long customer with excellent credit, who has never, ever not paid their bill in full every month, like this. It's shocking and dishonorable, and lacks any integrity or decency whatsoever. Shameful, shameful behavior. I will look to my credit union for a new mastercard, will only use financial services entities that protect my information and accounts, and who only use American employees, bound by American laws, as customer service reps ( something I think should be legally required anyway ).
Consumer complaint received 2019-09-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (DE)

I made a payment on my account through your IVR - when that payment didn't clear my account i called and spoke to an agent. I asked why it didn't clear my bank as of yet and the agent said they had no idea, they didn't see any issues on their end. Low and behold i started getting collection calls because my payment was returned for " invalid account '', i tried to go online today XX/XX/XXXX to pay the balance and your website said the account i was trying to use was invalid so i couldn't do that. I texted w. an agent through your secure chatline and they refused to waive the fee for me - oh by the way, the canned responses they sent didn't even make sense ... why would i have evidence from my bank for a late fee and finance charges you billed me? Someone from your comms team should look @ that ... anyway i called in to speak to an agent - obviously routed to collections because i am past due - i paid the bal in full w the agent - USING THE SAME ACCOUNT # From the IVR payment and the SAME ACCT # i tried to type into your website that you said i could not use. I asked to have the LF & FC removed as you can see I am a PIF CM, but like a robot your agents can not think outside of the box because your system said it was not a bank error. The agent said they would log a complaint for me, to which i responded that no one would ever even read it in the mix of the 1k of complaints you get on a normal basis, so i am logging this w. the CFPB in hopes someone has the ability to think outside of the box and see that these fees should be adjusted based on the circumstance. I paid, i called to ask why it hadn't cleared, and i just paid again - i am not gaming your system, i am trying to pay my bill. Look @ the line you gave me, i clearly have good credit, but i have zero issue closing this card and using another. I charge thousands on my cards monthly and always PIF. So in short, i would like LF and interest billed removed from my account.
Consumer complaint received 2018-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CT)

account owner XXXX XX/XX/XXXX social security deposit made XX/XX/XXXX bank notification only the deposit being reversed -- no notification from social security admin directly. XX/XX/XXXX withdrawl for XXXX listed on statement as " partial pay to treas '' XXXX reflects no credit ever made being taxed on full amount. Contacted bank was advised payment being held until full amount received, refusal to credit partial or return to fiduciary the reason given was that they can not be sure payment will be made.
Consumer complaint received 2021-05-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX.