davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-12
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIRST NIAGARA FINANCIAL GROUP, INC. (MA)

I opened a " Pinnacle Checking '' account on XXXX XXXX, XXXX, after reading an advertisement for a {$200.00} promotion. The terms of the offer are as follows : " To qualify for the {$200.00} cash bonus, within 60 days of opening your new Pinnacle checking account, you must receive direct deposits totaling {$250.00} or more. Your direct deposits need to be an electronic deposit of your paycheck, pension or government benefits ( such as Social Security ) from your employer or the government. The cash bonus will be deposited into your new checking account within 30 days from end of month in which direct deposits totaling {$250.00} or more are made to your account. Account must be open and maintain a positive balance in order to obtain the bonus. 

Can not be combined with any other promotional rate or reward/bonus programs. Valid only for individuals who have not had any consumer checking relationship with First Niagara in the previous 365 days. Customers may only receive a bonus on XXXX account. Customers must be residents of XXXX, XXXX, XXXX or XXXX to participate in this offer. Bank employees and members of their household are not eligible for this promotion. The cash bonus will be reported as a payment of interest in accordance with Internal Revenue Service regulations and will appear on your IRS XXXX for the year in which the bonus is paid to you. Promotion runs through XXXX/XXXX/XXXX and can be withdrawn at any time. Account must remain open for 180 days to avoid a {$25.00} Early Account Closing fee. All accounts subject to approval and applicable fees. '' I received a direct deposit of {$250.00} from my employer on XXXX XXXX, XXXX. I have not had any consumer checking relationship with First Niagara in the previous 365 days. I am a resident of XXXX. I believe all requirements of the promotion have been met, but I have not received the bonus yet. Per the terms of the offer, it should have posted by XXXX XXXX, XXXX.
Consumer complaint received 2018-06-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Recovery Services, Inc. (MS)

[ See ATTACHED Credit Item from my Credit Report ] ... This month, XX/XX/XXXX, a Collection Account for {$1300.00} from Southwest Recovery Services was placed on my Credit Reports ; Collection Account # XXXX, with a opened date of XX/XX/XXXX. The ORIGINAL CREDITOR shows as XXXX XXXX XXXX XXXX. I have NO KNOWLEDGE of ever doing ANY business dealings with XXXX XXXX XXXX XXXX. Additionally, I have NEVER received any WRITTEN DEBT VALIDATION from the Original Credit or the Collection Agency.
Consumer complaint received 2017-12-01
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: Experian Information Solutions Inc. (VT)

I recently reviewed my Experian credit report and observed that hard hit inquiries that were disputed & removed were re-inserted into my Credit Report by Experian. I have a copy of a written response from Experian advising me that they were removed as a result of my dispute. Experian NEVER advised me that these items were going to be re-inserted into my credit report ( 5 days after ) as required by Federal Law. Experian is in violation of the Fair Credit Reporting Act 15 USC 611 ( a ) ( 5 ) ( b ),
Consumer complaint received 2017-12-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (PA)

Dear CFPB : I have been a longtime user of Chase banking service. On XXXX XXXX, XXXX, I had decided to close a Chase XXXX credit card account as it was redundant with other accounts I had with Chase. 

Two months after this event on XXXX XXXX, XXXX, I realized I am missing more than XXXX of Chase Ultimate Rewards ( UR ) points. Ive earned these cash equivalent loyalty program points of Chase by opening up a new credit card account, paying a large amount of annual membership fee, and spending of specified dollar amount during given time period. What I did not realize was that these points were individually synced to each card, not collectively to my Chase bank profile. Moreover, without informing me, the points I earned through the card disappeared 30 days after I closed the account. 

I had a phone conversation with the Chase customer service center as soon as I realized this incident on XXXX/XXXX/XXXX. The customer service representative tersely replied to me that the points were discarded per their company policy. Though she confirmed that the amount of discarded points still could be seen on their electronic system, she said she would not do anything. I further emailed the Chase customer service through their message system to see if I could recover my point. They repeated simply telling me per their company policy, they will not help me recover the point. I contacted several other customer representatives to discuss the unreasonableness of the incident, however, the attempts were futile. 

The amount of points I lost due to this incident is a little greater than XXXX. What particularly disappointed me was that Chase bank did not try to actively inform or warn me about the less known rules of their loyalty program. It was merely mentioned in fine print in the middle of long documentation I received from them through Chase online message system. Absolutely no further notifications were given until and after they completely discarded my hard earned points. They never notified me further about this before discarding my points. As I have multiple other accounts with Chase, had I simply been more promptly notified, I would be able to keep these UR points by transferring them to another card account. What kind of a banking service volunteers to discard what is equivalent to {$1500.00} that belong to me without even making some attempt to tell me about this?
Consumer complaint received 2018-01-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (FL)

I purchased XXXX Ethereum coin on XX/XX/XXXX for  {$630.00} per coin. Total was {$650.00} with fees that Coinbase charges. I bought the coin with my Credit Card which is supposed to be " instant '' as described on Coinbase 's website. I waited and the transaction was stuck on Pending. My card was not charged but the transaction never went through. Had Coinbase processed the buy as promised, I would be able to sell that coin now for a premium. 

I contacted Coinbase 5 days later and opened a case with them. I was told a specialist was working on my issue. On XXXX XXXX, 2018 I got an e-mail saying that my transaction was cancelled by Coinbase since my XXXX XXXX  cancelled it. 

The issue with this fraud is I have bought coin with this same card before and my bank never blocked it. I was even able to buy coin days after on the XX/XX/XXXX with the same card. I got no notice from my bank stating they blocked the charge and they always do send me notice when they do. This is how i KNOW Coinbase is lying by saying my bank is to blame. They do not want to give me my Ethereum coin @ the {$630.00} price because the price of one coin currently is over {$1100.00}. Coinbase is lying and is costing me money.
Consumer complaint received 2024-01-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION (NY)

On XX/XX/year>, I applied for a credit card ( flagship reward ) and was denied. Which I dont understand how when I have an open end consumer credit plan. I received a letter with Truth and Lending 15 USC 1602, FDCPA 15 USC 1692 and FCRA 15 USC 1681 violations. Then I was told to get a secured credit card which is a violation under Finance Charge 15 USC 1605 ( a ). I put down {$2000.00} on the credit card ( account number XXXX ). I requested for an increase and was denied ( violation ). Using Navy Federal Credit Union app, I texted how am I denied? And asked whos the original creditor in this matter? And in their response they did an inquiry. In that inquiry with a consumer reporting agency ( XXXX ) received monetary fees and consideration. Also in their response, was knowingly false violation under 15 USC 1611 ( 1 ). Navy Federal Credit Union used deceptive forms violation under 15 USC 1692j ( a ). Navy Federal Credit Union also infringed my rights to privacy to a debt collector ( XXXX XXXX XXXX XXXX )
Consumer complaint received 2021-02-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I contacted Transunion to request a verification of information in my credit file. The following accounts are reporting inaccurately on my credit file : XXXX # XXXX and XXXX XXXX XXXX XXXX XXXX. On credit file they are reporting these accounts are included in XXXX  in the pay status section on my credit report. In the remarks they included XXXX XXXX  and XXXX XXXX respectively. They also reported they closed XX/XX/XXXX and XX/XX/XXXX respectively. How can anyone file for to different XXXX ( XXXX XXXX then XXXX with two different creditors )? 
By law you can only file for one or there other XXXX! 

If they conducted an actual investigation wouldn't they discover these are two different XXXX? I dispute that I am liable for either of these accounts and they belong to XXXX XXXX XXXX XXXX. 

I have included documents with my legal name XXXX XXXX XXXX XXXX not XXXX XXXX XXXX XXXX. XXXX
Consumer complaint received 2017-12-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A. (NY)

To Whom It XXXX Concern, On XXXX XXXX I sent {$500.00} from my Citibank account to another Citibank account holder through their XXXX funds transfer service. The amount was debited from my account on XXXX XXXX, but the funds were never received by the receiving party. The XXXX transaction shows on Citibank as failed, but the {$500.00} was not returned to my account nor was it credited to the recipient. 

On XXXX XXXX I contacted Citibank via their website chat. At that point, I was told that an investigator was being assigned to look into it and would give me a call. Later that day, I received a call from the Citibank fraud department where I was told that I could not file a claim until 10 calendar days from the date I sent the transaction, as that was how long it would take XXXX to return the money. 

On XXXX XXXX, along with the receiving party, I contacted Citibank and was told that the {$500.00} should be returned to me later that week. 

On XXXX XXXX, I again contacted Citibank. This time I was told that a claim should have been filed immediately, in direct contradiction to the claim made by Citibank 's fraud department on XXXX XXXX. In attempting to file a claim with them at this point, I was told a claim had been filed on the XXXX, and I should get the money back into my account 10 days from that date. 

On XXXX XXXX, after still not having my money returned, I reached out to Citibank. After having my competence insulted by the initial customer support representative, I spoke to a supervisor. The supervisor claimed that he would expedite my request and that Citibank should be in contact with me today XXXX XXXX XXXX ). That has not happened.
Consumer complaint received 2022-01-06
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: C/C Financial (TX)

Preferred lease has been contacting me since XX/XX/21. This company is trying to get extra money out of me after they have already took my credit card I have paid them {$2700.00} of my consumer money for furniture plus they are trying to charge me an additional {$900.00} dollars after the use of my social security number. The furniture was paid for and now they are trying to collect double the payment. That is a violation after I have told them not to contact me, I have never given preferred written consent to contact or harass me and they refuse to stop. I am afraid to answer my phone because they have given my XXXX I block the company from contacting me but they send text messages and call from multiple different numbers XXXX I sent preferred Lease an affidavit of truth, a cease to communication and a copy of phone records and an Federal consumer invoice in one envelope certified mail return receipt.
Consumer complaint received 2022-01-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (TX)

The bank is holding my money illegally. The funds were retrieved from the third-party account I mistakenly sent it to. I called him when the bank closed the claim, even though I called them less than 30mins after the money was sent and he said he will refund me the cash through his bank. The bank which is the same bank has debited him of the money but they have refused to give me my money back saying they closed the claim when they fully know that the money has been debited from the third-party account. I ought to have made a profit with the money but XXXX did not allow me to make the profit.
Consumer complaint received 2022-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

No bank can not take a a payment of benefit to repay overdraft. Social Security, XXXX XXXX benefits. To pay bills, rent, medical insurance. Utilities, and food. 
Bank of America violated this against senior. The negative was not negative. It was a back pay legitimate government check for XXXX XXXX. The bank should have reissued another check. The bank manager at XXXX XXXX XXXX XXXX approved and cashed it. 
I should have my XXXX XXXX Social security replaced and refunded due to my income being lost to pay for living situation. 
XXXX XXXX. XXXX, & XXXX, XXXX branch have not corrected this matter
Consumer complaint received 2018-02-10
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: Experian Information Solutions Inc. (FL)

Hello, my name is XXXX XXXX. I am sending this message in regards to the accounts & inquiries you are reporting inaccurately on my credit file. I am unaware of the accounts and it should be removed immediately. Please check the attachment section for a letter pertaining to unverified inquiries & accounts.
Consumer complaint received 2018-06-09
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA (CA)

I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX   and XXXX with no successful resolution. Equifax and XXXX   are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX.
Consumer complaint received 2018-01-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (TX)

On XXXX XXXX, 2018, XXXX CST, I received a phone call from XXXX who works with Receivable Performance Management. I asked XXXX what was this about and he said they are collecting a debt. I advised XXXX this is my first time hearing of this did he send me a letter in writing to notify me of this debt. XXXX advised me that would be redundant. I asked him well, how would I know who to pay, what, when to pay and he advised that the person I owe would have sent me a letter. I advised him since this is my first time knowing of this via phone call, I asked him not to correspond with me via phone, only in writing and that 's when the phone disconnected. Lo and behold, I pulled my credit report and notice this same company reporting.
Consumer complaint received 2022-04-01
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

4. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

5. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

6. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

8. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

9. Validate Account XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2018-06-09
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. (NV)

I received a copy of my credit report and I notice I have an account that needs to be updated and others accounts that are too old. Please updated XXXX   account XXXX XX/XX/XXXX balance {$49.00} ( account was paid in full, balance is XXXX ) Please remove, account too old XXXX account XXXX XX/XX/XXXX ( 8 years ) Please remove, account too old XXXX XXXX XXXXXXXX XX/XX/XXXX and XXXX XXXX XXXXXXXX XX/XX/XXXX ( 11 years )
Consumer complaint received 2018-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (CA)

I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and XXXX XXXX with no successful resolution. XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX/XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2017-11-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

I recently obtained a rate lock on a mortgage with Wells Fargo. Before obtaining the rate lock, they repeatedly say that the rate lock can not harm my rate position, but does protect me against rates moving against me. During the time period before closing, rates moved in my favor ( more than an eight of a point ) and I asked WF to adjust my rate. I was told by a WF employee that they do not improve customer rates until the difference is a quarter point, and then they split the difference with the customer. This is entirely antithetical to the concept of a rate lock. The rate lock is there to protect the consumer from harmful rate slips during the closing process, not to make more money for the bank. Please work to correct this injustice.
Consumer complaint received 2015-12-09
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (ME)

My problem is with Citibank. NA of XXXX XXXX, ND and their Citi Payment Safeguard Program. For many years my wife and I had credit cards with that bank and paid XXXX cents per month per XXXX XXXX dollars of charges to cover us in case of XXXX, death etc..My wife died XXXX XXXX, 2015 ( XXXX ) and I sent the bank a death certificate and expected to have the account paid off by that 'Protection ' plan that we had paid on for many years. Several weeks later I received a letter saying that the " XXXX XXXX Winner '' in the family is the only XXXX covered by the protection plan ... If that is the case then why did my wife have to pay for that protection when she XXXX??? If the protection plan covered only me then only my charges on that card should have been charged an protection insurance premium ... .That would seem the proper way to handle it ... Please advise. Thank you ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Maine XXXX XXXXXXXXXXXX
Consumer complaint received 2022-04-01
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: EQUIFAX, INC. (RI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account number 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 2018-06-09
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: EQUIFAX, INC. (NV)

I received a copy of my credit report and I notice I have an account that is too old and another account that needs to be updated. Please remove XXXX XXXX account XXXX ( 15 years ) and update XXXX XXXX balance XXXX ( that account was paid in full, balance is XXXX )
Consumer complaint received 2018-01-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Advantage LNS Inc. (TX)

Debt is not mine ; XXXX misunderstood my previous submission and is treating the situation unfairly. 

If you would review my previous statement : This debt is not mine ; I had a lawyer involved with this years ago and the company agreed that I was not liable for this and it never went on my record until just recently. I was living with three other people who broke a lease ; not myself - and thus I was implicated in all of this. This needs to be removed immediately. 

XXXX needs to contact the ORIGINAL company as I stated in the above referenced case ; I never stated I attempted to contact NCAC ; Instead I stated the company ( XXXX ) stated these details. No idea why XXXX would 've ever even purchased this account. We dealt with the original management agency of XXXX ; The account in question ; had multiple phone calls with the manager of that office and was told I would not be liable for this debt. 

XXXX needs to provide research into this matter, They need to contact the MANAGEMENT company at the TIME of the case between XXXX-14 - XXXX-14 which will notify them that I am not liable for this account, I would like XXXX to provide the details of the company they contact so that I can take appropriate legal action in the County to handle this if it 's not resolved immediately.