davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (NY)

Hello, On XX/XX/2020 my account was frozen by Citibank. When I called them on XX/XX/2020 they told me my account has been frozen by the fraud department. Since I was out I instructed them I would give them a call back because I did not want to answer personal questions on the street and I had my credit card. When I spoke to a representative on Monday XX/XX/2020 from the Security Fraud department they first accused me of fraud then hung up the phone. I honestly thought someone hacked my account. I called back and spoke to 3 different people who were not customer service friendly at all, they all told me my account is being investigated and is in the process of being closed. I will receive a letter in the mail between 30-60 days, then I was assured it would be closer to 30 days. I called back on XX/XX/2020 after receiving my bank statements from Citi showing checking account balance {$0.00} and savings account {$0.00} as of XX/XX/2020, it states other withdrawal deducting the full amount from my saving {$14000.00} and checking {$3400.00}. They told me that my checking account has been closed and there is a block on my savings account. I was then informed that this process would take 60 days and if I wanted to know more information go the the branch. I went to the branch and it was nothing they can tell me. I called Citi back and offered to provide tax transcripts for my self employed business, which is different from tax returns. I paid my landlord from XXXX I offered to provide documentation verifying that was my landlord. My fiance and I are saving to buy a house and a transfered money with XXXX to a joint house account offered to show proof of that they wanted nothing. They did not want any paper work, so I am confused on how are you investigating with no documentation? Now I feel like Citi bank is judging me based on what they believe my financial cap should be. So now its XXXX XXXX and it has been 60 days since they froze my account. No letter in the mail however I do receive a bank statement dated XXXX XXXX Checking {$0.00} and Saving {$0.00}. I call them up on XX/XX/XXXX asking the status of my account it has been 60 days. They told me that no your account has been under review since XX/XX/2020 - XX/XX/2020 and they made a decision to close it on XX/XX/2020 so they have until XX/XX/2020. I called Citi bank today to find out the status of this letter, this investigation. The last and final representative told me my account is being closed out it will take XXXX days my account is under investigation. I told her it has been 60 days, she told me thats all she can tell me and she is disconnecting the call now. This whole interruption started XXXX XXXX and now it is XXXX XXXX, it has been 80 days and no letter, no funds, no status except your checking account is closed and your saving is blocked and that has been the same status since XX/XX/2020.
Consumer complaint received 2020-05-18
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. (NY)

On Wednesday XX/XX/XXXX, I visited XXXX XXXX XXXX. After the initial examination, it was made clear that they would not be able to meet my needs. I was to charged {$150.00} for the office visit ; however, my account was charged the full cost of the procedure, {$1800.00}. The merchant called to notify me of their mistake on Thursday XX/XX/XXXX but refused to credit my account stating there is nothing they can do. 

I immediately contact Citibank and was informed that I could not file a dispute until the actual charge was listed on my billing statement. Therefore, I faxed a letter of complaint/dispute with Citibank on XX/XX/XXXX. On XX/XX/XXXX, I faxed another letter detailing the circumstances and transcription of the voicemail left by the merchant. On XX/XX/XXXX, I faxed another letter to Citibank and called customer service several times regarding this issue. On XX/XX/XXXX, I finally received an email notification from Citibank stating that my account could not be credited for the {$1800.00}, plus interests and fees, due to the " passing of the allotted time frame ''. On XX/XX/XXXX, I faxed Citibank a letter highlighting the dates of my attempts to resolve this matter and their negligence in allowing the time frame to end. On XX/XX/XXXX, I received an email from Citibank stating there is nothing more they can do, the charge will remain on my account, and adversely effect my credit if remains unpaid.
Consumer complaint received 2020-10-15
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: ALLY FINANCIAL INC. (CA)

There is an inquiry from this company on my credit report that I do not recognize and it is fraud. I contacted them via certified mail and they did not respond and were not able to remove the inquiry from my credit report. The fact that the inquiry is still on my report is a violation of the FCRA Laws and I will pursue a civil suit if necessary. I want this fraudulent information removed immediately.
Consumer complaint received 2020-09-02
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: 2288984 Ontario Inc. (MO)

Received call from company of whose name I did not notice at XXXXCST on XX/XX/2020. Individual called from a XXXX. Identified himself as Mr. XXXX from the XXXXXXXX XXXX XXXXXXXX XXXX. Reported that he needed my statement of defense regarding a civil complaint filed against me immediately. Received a second call a few minutes later. Mr. XXXX reported that he was unable to take the statement or give me information. Placed me on hold to speak with a Ms. XXXX. I disconnected the call to answer another incoming call after being on hold too long. Received another call from same number. Individual was a female identifying herself as Ms. XXXX. Reported need for me to provide a statement of defense for civil complaint from her client. Client was later identified as Moneykey with balance owed of XXXX. Ms. XXXX stated Moneykey had sent several collection notices that were returned by the post office. Ms. XXXX reported I needed to settle issue today or she would further advise her client, Moneykey, to pursue a judgement within my county. I requested The documentation that Ms. XXXX have be sent to me for verification purposes. She informed me that she could not do so even after confirming my email address with her. Ms. XXXX demanded that I provide a settlement amount request or she would advise client to pursue judgement in civil court. I offered Ms. XXXX a number and disconnected the call after a prolonged hold period. Ms. XXXX later continued to contact my phone with an estimated six calls in a two minute timespan. On the last call at XXXX, Ms. XXXX threatened me once again stating i had thirty minutes to return her call or she  would encourage her client to pursue a judgement. Her approach has been harassing and threatening in nature and she discussed I could Only communicate with the client through her, not directly. The inability of her to provide sufficient documentation surrounding this complaint was extremely concerning as when I attempted To look up her agencies contact information, nothing was located regarding XXXXXXXX XXXX XXXX XXXX.
Consumer complaint received 2018-07-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

Well over 30 days ago, I submitted investigation requests to all three credit bureaus : Equifax, XXXX, and XXXX XXXX. They should have responded with the result by now, but they have not.
Consumer complaint received 2017-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (MA)

XXXX XXXX which is with Wells Fargo originally. It is with XXXX XXXX now I paid in full XX/XX/XXXX. It is for XXXX I would like the pay status to be updated to paid off in full. I called wellsfargo on XXXX XXXX  2017 they said to call XXXX XXXX to do it. XXXX XXXX said the opposite that we 'll fargos has to update it because they were the original lender.
Thank you XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ma XXXX
Consumer complaint received 2020-07-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A. (PA)

I am unable to use XXXX to transfer money to others. When I click on " Pay '' in XXXX and then select my PNC Bank account it says " PNC has made change that prevents you from being able to link your accounts ''. I did call PNC and they couldn't fix it. They said the issue is due to XXXX  but everything looks clear from my XXXX account.
Consumer complaint received 2020-09-02
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. (AL)

Our credit card account was closed with no advance notice per a letter from JPMorgan Chase dated XX/XX/XXXX. We were told that the account was closed because Chase needed my SSN " to comply with federal law. '' I sent my SSN and other personal information to Chase three different times and the account is still locked. The first time I sent that information was by fax, and I do have copies showing the fax was received. What's more, Chase told me it would send me more than {$2400.00} in earned rewards money but failed to do so. Now, I can not even get a person on the phone to discuss this. Chase has never acknowledged receipt of my SSN and other personal info that it requested and has never told me why our account was locked. I have sent a letter about all this to a member of Chase 's senior management team. In summary, Chase locked my account and has not told me why and also told me it was sending me earned rewards money and has not done so.
Consumer complaint received 2020-11-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I have been disputing with XXXX, Equifax and XXXX for more then 10 months. They never send me any results or status about my claims, they just delete the dispute accounts then later down the line re-add them causing my score to drop. In my last letter on XX/XX/20, I warned them I would consider a complaint due to the FCRA regulation regarding re-inserting deleted accounts. This was ignored.
Consumer complaint received 2020-06-30
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. (NJ)

I was using XXXXXXXX XXXX for long time and all these period I was on Auto Pay, so I dont bother about payments every month. During last XXXX period, without my knowledge, Auto Pay is removed from my account. Due to this I missed a full payment on XX/XX/XXXX th but on the same billing period I was having a return payment of {$41.00} on XX/XX/XXXX which will offset the minimum payment of {$35.00} for the period XXXX XX/XX/XXXX to XX/XX/XXXX XXXX whose payment due date as per statement is XX/XX/XXXX. After that I missed one payment on XX/XX/XXXX. But I paid the full amount on XX/XX/XXXX as per the statement dated between XX/XX/XXXX to XX/XX/XXXX. This missed payment was reported and my credit score went down from XXXX to XXXX. I think this auto payment is accidentally removed by XXXXXXXX XXXX while doing changes on their online system as I can see a total different look and style between the statements printed from the site before and after XXXX, Also when I check online its missing a XXXX statement. When checked with them about the missing statement, they said its because I have XXXX balance that time. But I have several other statements with XXXX balance. Its very clear that some technical glitch from the company side caused these problem and discover is not ready to accept or admit their fault. I spend hours with them to resolve this issue with no result. The customer care personal who talk to me is coming up with many childish reasons and she said on XX/XX/XXXX I switched my linked Bank account and there was a problem with that switching and so on XX/XX/XXXX my auto pay is cancelled.I dont understand how they took my payment for 9 months even after they claim that there is a problem in linking my account. I need you help to resolve this issue and bring it to light. I am sure that this is not the only case. People always ignore these as they dont have time to go behind this. I may also ignore this, bu I am refinancing my house due to financial difficulty, and every penny counts as we are having difficulty in work due to the covid situation. I have all the statement and docs to prove my claim.
Consumer complaint received 2017-08-07
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. (NY)

The response to my initial complaint is unacceptable as it has no relevancy in regards to the complaint submitted ... " Equifax has reviewed the complaint and its records. Please be advised XXXX XXXX XXXX account number XXXX has been verified as reported with the following Name, Social Security Number, Date of birth and address. Equifax has sent you a complimentary copy of your credit file. Written confirmation was mailed on XX/XX/17. '' The complaint was not about validating whether or not the account holds the correct name, SS, DOB & address? Once again the complaint is in regards to the equity loan being identified in a class action suit and by Attorney Generals from over a dozen states as a predatory loan by a company who, to this very day, stands behind and supports predatory lending practices. A Company who has been found guilty of defrauding the american people at ever turn. This loan in question Acc # XXXX was sign by me under false pretenses and deceptive loan practices. I 'm forwarding your response to Florida 's Attorney Generals and to my attorney as proof of my attempt to resolve this matter amicably and as a testimony to my unwavering pursuit for justice. It is my hope that my complaint will be taken seriously at some point and Equifax comes to the same final conclusion and outcome as did XXXX.
Consumer complaint received 2020-05-18
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kramer & Frank, P.C. (MO)

I am currently being sued by Kramer and Frank PC out of XXXX, MO for a defaulted student loan. I was never sent a notification of debt. The first time I am hearing about this debt is with a lawsuit. I left a message for the attorneys to call me and I have not received a call back. This is a loan I paid on for over 8 years and when I requested verification of debt with the original servicer, they refused. I then stopped paying the loan. Kramer and frank are suing me for more than the original loan amount and have not subtracted the approximate {$20000.00} dollars I already paid on this loan.
Consumer complaint received 2020-10-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (SC)

Chase closed my account because I work in Arizona and live in South Carolina. I went 2 hours to a Chase branch in XXXX GA and submitted the requested paperwork that have the deposit amounts and dates. 

I reached out to Chase and they said that they have reviewed the information. And that my funds would be released and sent to me in a check on XX/XX/XXXX and would be there 3-5 days. its XX/XX/XXXXand still no funds. I dont have access to any funds in the account. 

The executive office person who was handling the previous case, even said that in the letter that was sent that the funds should be released. I called Chase on XX/XX/XXXX and ALL of the reps that I spoke with talking about they dont see a request for those funds to be released. The person from the educative office only called me ONE TIME and on that call he was rude and only said we will have a resolution by mail but here we are XX/XX/XXXX and I dont have a resolution so either somebody is lying or Chase is fraud. I called the educative office 4 times and every time the person who is handling the case is 1. on another line 2. stepped out for a moment 3. on lunch 4. not even in the system those were all the excuses I got from the other executive office people.
Consumer complaint received 2017-08-07
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: ERC (AZ)

On XX/XX/XXXX I send a letter requesting verification of a collection account. I have sent this letter before and have received no information whatsoever validating the debt.
Consumer complaint received 2020-05-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST HORIZON BANK (GA)

My company, XXXX XXXX XXXX ( an outpatient physical therapy clinic located only in XXXX, Georgia ) had its Tax ID stolen band with it a fraudulent bank account was opened with Capitol Bank in XXXX TN ( now called First Horizon Bank ). Unfortunately the Bank Manager was duped by a fraudster who allowed him to put a series of more 60 stolen checks from the Georgia business to be deposited into the Capitol Bank account ( knowing the Georgia physical address on every checks deposited in the TN account ) - this fact alone should have alerted the bank processor ). Additionally a number of our XXXX, XXXX and Third Party payments were also EFT 'd into  this fraudulent account. The total amount of revenue embezzled / stolen is in excess of $ XXXX ( this crime took place over the course of 6 months as it took that long to shut the crime down ). Its important to note that Capitol Bank was put on notice of the crime with weeks of the account being opened. I personally requested that the account be frozen to protect our revenue, unfortunately the bank failed to take any action to protect my small businesses interest. In fact they allowed the money to be with drawn directly to person committing the crime ( in cash and checks made payable to him personally ). 

Attached to this file is series of documentation that include a detailed letter from the Georgia Attorney XXXX XXXX, who highlights the crime, the bank errors and request that the bank return the money to it rightful owner XXXX XXXX of Georgia. A XXXX County subpoena to the bank requesting the account documentation, A response from Capitol Bank including the account fraudulent signature card, with highlighted bank errors ( ie : a fake address for XXXX XXXX in TN ). Also attached are copies of the actual account bank statements supporting the fact of this claim. Last included is a XXXX County Criminal Arrest Warrant for the person that committed the crime. 

We have requested that the Capitol Bank ( First Horizon Bank ) return the stolen funds to our company in Georgia, unfortunately we have not gotten it back yet. That said to protect the statute we remain in a tolling agreement with the Banks Attorneys ( now more than 1 year ) .... unfortunately to date we have not been successful recovering the stolen money. We are seeking assistance with the Consumer Financial Protection Bureau for oversight into this matter, and requesting CFPB reach out to the bank on our behalf to find out what the hold up might be, otherwise we requesting all the stolen revenue be returned to us, again approx XXXX. 

I sincerely appreciate your review and consideration of the facts and remain hopeful Capitol Bank with take proper action to reconcile this matter. 

Thanks
Consumer complaint received 2020-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (CA)

I've opened multiple Citibank XXXX ( XXXX XXXX ) credit cards over the last few years and met all of the requirements to earn the promotional XXXX miles for those cards, and Citibank correctly deposited them in my XXXX account.

However, XXXX recently closed my account due to fraud related to my Citibank credit cards! This is completely false - I have followed all of the rules Citibank made.
Consumer complaint received 2020-05-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

Hi, I sent certified mail requesting Assignment of Debt, validation of Debt and Method Verification for the following accounts : XXXX XXXX XXXX : XXXX ; XXXX ; XXXX ; XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX I have never received the requested information.
Consumer complaint received 2020-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (CT)

To whom this may concern, My credit dropped fifty points due to a report from Great Lakes borrowing per XXXX, and there are no details present. My account was put into automatic forebearance due to the CARES act, and I was under the impression that the report from this company to the credit companies should show " on time. '' Please advise and help. This issue happened seemingly overnight, and I want my accurate credit correct on my next report ASAP. I can not submit a claim to XXXX  until I am off of work on Thursday during their business hours, as they are not allowing online claims to be submitted. I also filed an online claim with Great Lakes. 

Thanks in advance, XXXX XXXX A Frontline XXXX
Consumer complaint received 2022-12-05
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: Early Warning Services, LLC (TX)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple XXXX reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.