davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-31
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (CA)

On Friday XX/XX/XXXX I was attempting to make a purchase at the XXXX XXXX XXXX XXXX XXXX department in XXXX XXXX, XXXX XXXX. I swiped my card and was told that the transaction did n't go through because the fraud department had put a block on my card. 
No explanation was given, the clerk in the department had my passport, and my XXXX XXXX card, I was allowed to talk to fraud department. I explained to them that I had made many around 25 purchases, as some purchases had to be done separately to get credit or additional percent off. 
The supervisor of the department asked if they could send me a text to my cell phone. I reluctantly agreed and was then told since I have phone service through XXXX, they could n't send me a text because they could n't verify me. I do n't pay a monthly bill and the phone is a smartphone, just I buy blocks of time as needed. 
So the issue was never resolved. On Saturday XX/XX/XXXX I received a letter in the mail from XXXX XXXX Fraud Prevention, claiming that I needed to call them right away because they had been trying to reach me but were unsuccessful. I called the number sat on hold, and then someone picked up the phone and hung up. It was at that exact time as the department had just closed. 
Today XX/XX/XXXX i called and asked for a supervisor, I talked to XXXX. Well frankly I yelled and swore at her. I had entered my information into the automated system, with the specific phone number XXXX which is for the Cardholder Protection Department. I was told that the information I enter on the phone does no t get passed through to the agent or supervisor if one is needed. SO WHY AM I ENTERING THIS INFO IF IT DOES N'T GET PASSED THROUGH. 
I had to give XXXX all this information to verify who I was, I was still not able to get my account unblocked. We went through the same XXXX about getting a text to my phone. I CAN GET TEXTS, THEY ( XXXX 'S FRAUD DEPARTMENT ) CA N'T SEND ME A TEXT BECUASE THEY CA N'T VERIFY MY NAME ON THE PHONE OR SOME XXXX LIKE THAT. 
So XXXX asked me questions from available public records and I passed the security questions that I should have been able to do at the store on XX/XX/XXXX but, hey maybe they wanted to go home and did n't want to ask questions. Who knows. 
but they finally unblocked my card. 
XXXX, kept on saying that she understood how frustrating this must be and that they wanted me to use my card. However, they were not protecting me, and why would I want to use a card that caused me so much trouble. Would you want to use a card from any business if they unceremoniously blocked your card?
Consumer complaint received 2022-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (CO)

Hello, I have spent over {$30000.00} on the XXXX XXXX card in the last 6 months and currently have a {$0.00} balance according to their app. I made payments of {$1700.00} and {$290.00} on XXXX & XXXX and those payments have cleared my bank account. The bank is holding my money and not releasing it ( making interest at consumers expense ). They released my last payment of {$1200.00} on XXXX. I am a great customer and they are not releasing credit back to the card - keeping my payments XXXX. It is unethical and at the expense of it's customers. I should be commended for being a great customer and yet I get this poor service. 

I would reconsider using this card if you value service. 

Thanks, XXXX XXXX
Consumer complaint received 2021-01-23
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Santander Consumer USA Holdings Inc. (LA)

Santander shall provide additional Consumer relief as follows : ( 1 ) Santander shall not repossess and instead shall provide the title to the vehicle and waive the outstanding Loan balance for all Consumers who had a loss forecasting score of 401 or less and, as of XX/XX/2019, have Defaulted but have not had their vehicle repossessed and ( 2 ) Santander shall not Santander agrees to provide notice to each CRA to which Santander reports, requesting the deletion of the trade lines associated with the account for all Deficiency Relief Consumers and for the Consumers who receive relief pursuant to Paragraph 11. 
-1 Santander agrees to provide notice to each CRA to which Santander reports, requesting the deletion of the trade lines associated with the account for all Deficiency Relief Consumers and for the Consumers who receive relief pursuant to Paragraph
Consumer complaint received 2018-01-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FIDELITY CAPITAL HOLDINGS, INC (CA)

The original debt was a judgement from XX/XX/XXXX. It was assigned to XXXX XXXX XXXX a year later. During my home purchase in XX/XX/XXXX, escrow reached an agreement with XXXX XXXX XXXX for {$4000.00} and paid the agreed balance as part of escrow. However, they have refused to close out the debt. We recently, XX/XX/XXXX, requested a validation of debt. They validated the debt and showed an increased balance due to interest. They refuse to remove the debt even though it is over seven years old. In addition, they have updated my credit report to show the discharge date in the year XX/XX/XXXX. Lastly, in XX/XX/XXXX we sent court documents verifying the debt is satisfied with the courts and have not received a response.
Consumer complaint received 2023-09-19
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (FL)

I opened two CD accounts online with Wells Fargo, a bank where I have had accounts for years and they have all my documentation on record and up to date. After the accounts were open, I noticed that the bank was withholding interest even though I am a U.S. citizen. I contacted the bank to get this fixed and after a lot of back and forth, they said I needed to sign a W-9 to get the withholding stopped. I went to the branch and signed the documents as instructed ; however, the monthly interest continued to be withheld on both accounts. Afterwards, I submitted a Consumer Financial Protection Bureau complaint and the bank took about another month to review my accounts. After they finished reviewing, they asked me to go back to the branch to sign another set of documents, and after that they stopped the withholdings.

However, the bank did not return the interest that they had erroneously retained. I have been to the branch multiple times, I have continued to have telephonic conversations with representatives and no one has been able to explain the process to get my money back.

Once again, they have all my information to certify my tax paying status since I have been a client for years, but also, they should have notified me that there was documentation that I needed to sign, which they did not. I believe that their online account opening process has gaps that resulted in this problem and the accountholders should not be made responsible for errors in their processes.

I need them to refund me the interest that they have erroneously withheld from both of my accounts. 
Thank you.
Consumer complaint received 2018-01-02
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: WELLS FARGO & COMPANY (TX)

On XXXX XXXX, 2017, I submitted an application to XXXX XXXX XXXX. Received an alert that an inquiry was also done by Wells Fargo. I did not authorize Wells Fargo to access my credit.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-09
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Collection Service of Nevada (NV)

Received a letter in the mail saying I need to call the company because I was in debt to my college. After this i called them and set up a payment plan. I then received a call on XX/XX/XXXX from a blocked number. This was the agent that I set up the payment plan with. I did not answer as I usually don't answer restricted calls. XXXX, the agent, then left a voice mail that i need to call her back not stating she was a debt collector. I tried to contact XXXX after work on XX/XX/XXXX after receiving a call every day of the week, but she didn't pick up. I left a message saying that i was not able to receive calls until after XXXX. XXXX continually calls at XXXX XXXX  after I have told her that I was not able to receive calls at that time. I find it extremely frustrating to get calls from a blocked number and constantly calling when i am working.
Consumer complaint received 2017-12-31
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. (IA)

My credit report shows that my payments were delinquent in the past and some of my twin sister 's student loans are reporting on my credit report. I have contacted my student loan servicing company several times to report this and I have requested signed copies of the promissory notes to validate the loans. This information has not been updated and/or provided. It has an adverse effect on my ability to repay my loans and to be approved for a home.
Consumer complaint received 2017-11-16
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Regional Processing Services (NH)

On XX/XX/XXXX at approximately XXXX I received a message from a man telling me that he was coming to my place of work the following day to serve me with court documents relating to an arrest and I would need to sign them, as well as my HR rep or manager. He never came. Today I got a call ( XX/XX/XXXX at approximately XXXX ) stating the same thing and they provided a number to call along with a case ID. A friend of mine called, stating she was not me but was calling about information on a case. They proceeded to tell her ALL of my personal information, name, address, email address, social security number, date of birth, etc. They told her all the details about the apparent open case. This is a HUGE invasion of privacy, not once did she verify any information, she even stated she was not me. Once the debt collector realized it was not me, she stated " Oh you confirmed your name, address and social '' The friend said, no I never did, I do n't even know who XXXX is. At that point the collector abruptly hung up on her. Attempts to call back were unanswered. My personal, private information is being given out by the company and they are threatening me on a daily basis. 
Caller name : XXXX XXXX-impersonating XXXX County state employee XXXX said it was from Regional Processing LLC regarding breach of contract
Consumer complaint received 2015-09-14
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: LTD Financial Services, L.P. (WI)

I have told them many times not to call my office of work. I work in a medical clinic and they harass me during operation hours, blocking up XXXX of the few lines we have for clientele needs.
Consumer complaint received 2018-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (FL)

XXXX in 2011, through XXXX, I took out a XXXX loan to assist with the cost of the XXXX XXXX. While I had made payments ( when possible ), unbeknownst to me, DISCOVER now indicates that they own the loan. They had never forwarded any documentation indicating so, via an assignment or anything else. I have disputed with the credit reporting agencies, but to no avail. I have asked time and time again for this information, and no one is able to provide me with said documents. The contract I had was with XXXX not DISCOVER. Also, they have not furnished me with a copy of the agreement with XXXX ( signed by me ). Nothing has been furnished at all.
Consumer complaint received 2017-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

Main company : XXXX XXXX XXXX ( {$160.00} ) Collection agency : XXXX XXXX XXXX XXXX  Reason : Fraudulent Charges Date : XX/XX/XXXX ( Last Reported : XX/XX/XXXX ) Description : I never rented an apartment from XXXX XXXX, I or my family members never stayed for a day at the XXXX XXXX. I am a single mom with XXXX young children. This apartment manager was raciest who threatened me to destroy my credit because he did not like to answer my questions before I rent their apartment. On the name of form fee they charged me this {$160.00} fee.
Consumer complaint received 2018-01-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I have several collection accounts on my credit report from XXXX XXXX XXXX XXXX. Please be advised that I am disputing these collections due to the fact that Portfolio Recovery does not currently have a valid license to collect debt in the state of XXXX XXXX XXXX according to New York Secretary of State. I am requesting that you delete these accounts from all credit bureau agencies immediately due to a non active status.
Consumer complaint received 2018-01-02
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Colony Brands, Inc. (NC)

On XXXX XXXX, 2017 I received a notice from " XXXX XXXX '' at XXXX XXXX XXXX XXXX, WI XXXX that stated I was approved for credit and had ordered something, but did n't say what, and that my order could n't be processed until I paid them 50 % of the order or {$480.00}. They said that was a down payment and once that was paid they would ship my order. 

I did not apply for this credit and I did not order anything. This is either a scam or someone trying to use my name for identity theft.
Consumer complaint received 2021-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE (CA)

My BarclayCard account was closed a few years back but I still carry a small balance on it. My online account was closed and I am no longer able to log in and make payments, or retrieve statements. My due date is approaching but the company won't grant online access so I can make my payments. I was advised they closed my online access because it was flagged as fraud ; they won't advise me what caused a fraud alert either. The male I spoke with said he didn't know what flagged it as fraud and that we wouldn't reestablish my account access. At this point I have not received my statement for the month because I am enrolled in e-statements. I submitted a claim with the same rep and he said he wouldn't provide me a case number. I had callback about 30 minutes later to obtain the case #. A claim not submitted and a response was expected within 1-2 business days but still no response.
Consumer complaint received 2020-08-19
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Crown Asset Management, LLC, Duluth, GA Branch (IN)

I owe an outstanding debt with XXXX XXXX/XXXX in the amount of {$1600.00}. It is now with a third party, Crown Asset Management. I understand that I failed my obligation to pay this debt I owe ; however, as a single parent I had financial difficulties resulting in my inability to pay. I had to repair my roof, replace my air conditioning unit, as well as fix my basement from a flooding incident. I have some funds available to settle this debt and they have refused my offer. I am in no way denying I owe the full balance ; however, my attempts to reconcile this with a more than fair offer to settle should be considered. I would like to settle this debt in full in the amount of {$800.00}. 50 % of the balance is a fair offer considering the third party purchased the debt pennies on the dollar. If approved, I can pay this immediately.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

XXXX fraud/security departments do not respond to any of my communications due to their fraud and guilt, please see the attached and kindly have it forwarded to the fraud/security department ( s ) for processing with an account credit of {$23000.00} plus interest and a credit report correction due to their misleading action of instructing me to not pay the fraudulent charges on my account causing a 30 day past due reported on my credit reports. This non-disclosure, lack of communication and false reporting is clearly a sign of guilt on XXXX XXXX XXXX behalf.
Consumer complaint received 2023-12-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (SC)

I have a PayPal account which got limited for 6 months, after that PayPal sent me an email saying that I can withdraw my funds but didn't allow me to link my bank account. Today I found that PayPal transferred the balance to itself and don't answer to my emails and contact. 
The amount taken is {$2300.00}. 
PayPal is a total scam, I heard of it, now I can testify. 
Please help. 
Thanks
Consumer complaint received 2017-12-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

I filed for bankruptcy protection on XX/XX/XXXX. At the time I had numerous loans with USAA. One loan in particular has close to a {$50000.00} balance and my parents are co signers on the loan. My parents mailed in a payment on XX/XX/XXXX to continue payments on the loan. They want to continue to make payments on this loan to protect their creditworthiness. However, USAA is not accepting their payments. To add insult to injury, they are returning their payments to me in the form of a check. So basically my parents are sending them the payments on the loan, and USAA is in return sending the payments to me. I am worried this will affect their creditworthiness as well. I have tried to call USAA on this and they will not address this issue.
Consumer complaint received 2021-01-23
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On Monday XX/XX/2021 my edd Bank of America card was fraud someone deposited {$1000.00} out of my account! I reached out to Bank of America they did nothing they closed my card and told me to reach out to edd. I contacted eddd they stated that Bank of America can open my card and they dont know why they are telling everyone with this problem to contact us. The edd made note of the situation and stated that someone should contact me when my card will open back up. I do have a available amount and Im not allowed to touch the money because Bank of America will not give me any further details. They will not give me a time frame of when all of this will be resolved.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (VA)

I was part of the Equifax credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit Reporting Agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking the time to read my complaint.
Consumer complaint received 2017-12-31
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: SYNCHRONY FINANCIAL (LA)

On XXXX XXXX, 2017 I noticed that there was an inquiry for credit on my XXXX XXXX, that I did not authorize. According to my report my information was used to acquire credit that I did not authorize. This is what is listed under hard inquires for this company on my account : Institution Information : XXXX/XXXX  XXXX, FL XXXX I am requesting that this be removed from my XXXX credit detail.
Consumer complaint received 2023-01-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION (FL)

I went into Regions bank in XXXX XXXX and was told by a XXXX that I owed {$180.00} in returned item fees after my account was closed in 2018. I was never informed this and informed this that someone fraudulentlyopened an account in my name for a credit card and tried to charge it to my account, which is why I closed the regions accou t in the first place. I called and spoke with the charge off team and spoke to XXXX, she would not take those fees off of my account. I asked for a supervisor and spoke to XXXX, who offered me to settle for {$76.00}. I informed her that I never knew of this and why am I having to pay for fees I never made. She said they had a wrong address and this is why I never knew. These fees are excessive and I am not responsible for fraudulent fees to begin with. Please assist me.
Consumer complaint received 2021-06-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (MI)

I just opened up a pay pal account so I could have unemployment deposit my money in account and I take it out. It start they put limitation on my account before unemployment put money in my account. So I took care of it. Me second deposit have not been able to access. I get different reasons everything I call. First suspicious withdraw. Now they suspicious fraudulent and won't give me my money no a reason why they froze my account for 180 days and say they don't have to tell me or give me my money