davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-26
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

The following is the short version of what citizens bank pulled- Because of a complaint I registered with customer service department about how I had been GROSSLY mislead by one of their tellers-I was offered a half a point reduction on my equity line of credit which I was using a mortgage now as I had been advised, deeming me unable to take advantage of the one time rates being offered by the president at the present time, further exacerbating my situation. I received a letter from a XXXX drafted on XX/XX/2016 and stamped XX/XX/2016 which told me I had 10 business days to have the document within witness signed by a notary and gotten back to them and if I had any questions to call the XXXX number provided which I did-several times and could not get in touch with her once, but I did finally get a XXXX supervisor-he advised me that he had spoken to this XXXX and that the time element would not be an issue in light of my having called with this discrepancy and to go ahead and mail it back as soon as possible- I took every precaution to do this although I had phoned and spoken to one XXXX supervisor and told him that I felt it was unreasonable in light of the date it had been date stamped, but mailed it out the day it was signed and notarized-XX/XX/2016- & waited to hear back from someone-When I still had not heard back by XXXX I began calling myself only to be told By XXXX that I was supposed to have pt the letter to this XXXX attention XXXX something XXXX XXXX neglected to tell me, so it went to some other office but he would get it taken care of, later on I was then told- '' because they had not received the documents back within the stipulated period of time, they would not uphold their offer ''! -I could not believe what I had heard-they were holding me responsible for the amount of time it took the United state parcel service to deliver the mail-until XX/XX/2016-this to me in not only unreasonable, but unconscionable-I complained as far as to the office of the chairman thinking someone up there would have rational common sense to make of this matter- and was still denied! I will say once again, this is the short version, but for the sake of simplicity have given you the meat and true essence of what has transpired, I do have the original notarized letter as well. 
Thank you for your time.
Consumer complaint received 2024-03-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Universal Recovery Corporation (NC)

Multiple people claiming to be from Universal Recovery Corporation have called me and my husband repeatedly harassing us about collecting a debt that is not mine. They say that I owe XXXX XXXX to a XXXX XXXX XXXX XXXX XXXX California for service date XX/XX/2022. I have never been to XXXX or this hospital and have never incurred this debt. They have a mailing address attributed to me that is not accurate but they claim that they have my correct date of birth and social security number. They also know my husbands name and have contacted him directly too. When I told them that they had the wrong person they were rude about it. They said a private investigator gave them my work phone number. When I asked them to send me details of the claim they said they would but have not done so so I do not have other details of the supposed debt. They called repeatedly a few months ago and once I was able to have them tell me more of the details and they confirmed the date of birth and social security number were not mine so the person I talked to said he would handle it and close the complaint. Now I am getting calls from a different person saying that the DOB and social are mine.
Consumer complaint received 2024-03-05
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (TX)

On or about XX/XX/XXXX I received notice that my credit card ending in XXXX will be closed as of XX/XX/XXXX. The adverse action notice claimed that the Creditor has contacted a consumer reporting agency ( without permissible purpose ) and used the information found there in making their decision to close my account. The account has been open and in good standing since XXXX, however inaccurate credit reporting suggests the account has been current and on time as of XXXX. I am being treated less favorably than other applicants and I am concerned about discrimination within this relationship. The letter did not state specific reasons why the creditor has decided to close my account. I called the number provided and I was told there is nothing I can do except wait until XX/XX/XXXX to apply for an another credit card. This decision will negatively impact my ability to cover cost for personal, family and household purposes, especially with a new born in home. I have not asked for a credit limit increase ; I am asking to keep this account open. During the phone call today, reference number XXXX I even paid the balance down to {$0.00} with a payment of {$1400.00}
Consumer complaint received 2024-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (AZ)

I deposited a {$5000.00} check from my XXXX account to my chase account on XX/XX/year>. The funds were removed from my XXXX  account the same day, however, chase said they had not received the money and if the check was cleared, they would release the money in XXXX. Wednesday XX/XX/year> money was still on hold, I call Chase and They transferred me to the risk department, the risk department could not give any explanation why my money was still on hold. Initially they said they need to verify who made the check before making the payment ; I explained the check was coming from my joint account with my husband. They said they would call XXXX  to verify and made me wait on the line for XXXX min and dropped the call, I called back again XXXX and the same thing happened. I went straight to the branch where the account was opened, and I spoke with the branch manager XXXX XXXX which called the risk department with me and said unfortunately could not do anything and alleged that many clients are having the same issues and all we can do is to make an official complaint. 
I called XXXX  to try to put a stop hold into the check and they said unfortunately they could not do anything because the check was paid on XX/XX/year>. 
Now, I have to pay late fees and interest rates on my bills for XXXX days that chase is holding my money without any explanation. I worked for XXXX as personal banker for years and have never seen anything like that to happen before. It makes me wonder their policy and procedures and the legality of client 's fund release. I need an explanation for the procedure and my loss to be refunded.!
Consumer complaint received 2024-03-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. ()

On XXXX I have conducted the payment in the amount of XXXX USD from my account with XXXX XXXX account of XXXX XXXX XXXX Company opened with XXXX XXXX XXXX  XXXX JP Morgan Chase Bank was an intermediary bank in this chain. On XXXX XXXX, XXXX  XXXX XXXXas designated under the Executive Order 14024. Considering this, my payment must be blocked by intermediary bank according to US sanctions regulation. In order to unblock the payment, I need to apply for a specific license to OFAC. However, JP Morgan Chase Bank has not still blocked the payment or has not informed originating bank about freezing measures. Thus, I can not apply to OFAC for a license that is necessary to unblock my funds because to do so, I must fill in some data and specifically the date when the payment was blocked. Otherwise, OFAC may not locate the records of the blocked payment. On XXXX we tried to contact JP Morgan Chase Bank via XXXX from XXXX XXXX asking them to clarify if the payment was blocked and reported to OFAC and when. Still, JP Morgan Chase Bank has not responded. Thus, I can not apply to OFAC for a license that is necessary to unblock my funds.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I applied for a business line of credit in XX/XX/2023 using my EIN created for my business. The application requested my Social Security Number for identification purposes, which I submitted. I did not authorize use of my personal credit report to be obtained causing a hard inquiry to show up on my credit report from from Bank of America. I immediately wrote directly to Bank of America to remove this hard inquiry from my personal credit report, and never got any response back, and still have not gotten this unauthorized hard inquiry removed from my credit report.
Consumer complaint received 2024-03-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

After having the same business account with the institution for more than 35 years, an employee received a notice at her home address that the bank has " decided to close the account.. '' When i called the number listed, they refused to say why they decided to close the account.
Consumer complaint received 2020-05-11
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: General Motors Financial Company, Inc. (TX)

There are credit inquiries that I did not authorize on my credit report. I have informed the credit bureaus if this that these were not authorized, but XXXX   continues to refuse to remove these inquiries. The inquiries that I did not authorize are as follows : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, GM FINANCIAL  XXXX, XXXX XXXX  XXXX, and XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-03-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Alaska Cascade Financial Services, Inc. (WA)

This is the statement I sent to the Collection Company. It sums up the situation ; First of all this case is from XX/XX/XXXX. If. You Alaska Cascade have owned it since XX/XX/XXXX why am I just know hearing from you? 

You have an obligation to attempt to collect on debts. I have request twice from you and or Alaska Cascade to provide if any attempts to collect this debt. But, you are unable to provide any proof. I have NEVER received anything from you regarding this debt and I have had the same mailing address for over 10 years. Nor, has this debt EVER been reported to any of the XXXX collection agencies. I would have like to have been contacted at anytime during the last 9 years so I could have paid this debt. 

You also state that you find it hard to believe I am unaware of this debt since it was part of a XXXX case. Again, this case is almost XXXX years old and I did receive a statement via e-mail from the XXXX County Court stating that this case and the judgment were satisfied in XX/XX/XXXX. So, I am sure you can see my confusion with getting such a statement from the court and for having never been contacted that the debt was valid and Alaska Cascade was looking to resolve the debt. 

With all of this confusion and Alaska Cascades inability to provide any proof that you have ever ethically attempted to collect this debt at any time in the last 9 years I feel it would be fair if I be allowed to pay the debt and have the interest removed. 

Please understand that if we are unable to come to an agreement I will be forced to seek further action on this as I do not feel that you have held up to your obligation as a Creditable collection Company. You can not just sit on a debt and collect interest for almost 9 years and not allow the debtor to make right by what they owe.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Liberty Career Finance, LLC (NC)

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXX XXXXXXXX
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I sent a picture of my ID and ssn to cfpb to send to them and you all didn't not send it they keep sending me letters telling me to send this information I don't understand whst is going on on making my credit report information rite and checking these companies that keep putting wrong information back and fort on my report I KEEP ASKING YOU ALL FOR HELP AND THESE COMPANIES KEEP SENDING LETTERS SAYING THEY DIDNT RECEIVE MY ID OR SSN THAT I JUST SENT YOU ALL PLEASE SEND THEM A COPY OF MY IINFORMATION ALL XXXX XXXX
Consumer complaint received 2024-03-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: JPMORGAN CHASE & CO. (FL)

XXXX JPMCB - CARD SERVICES ( CLOSED ) Summary Account Number XXXX XXXX Reported Balance {$6000.00} Account Status CHARGE_OFF Available Credit Charge off is considered a certificate of indebtness and must be removed Violation 15 USC 1691, 15 USC 6802, 15 USC 6802, and Privacy Right of 1974
Consumer complaint received 2021-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Once again, I'm notified that I'm entitled to my credit file, and once again ALL THREE bureaus found an arbitrary means of denying my request : Transunion : Sorry, you have an open dispute, so we can't provide your report XXXX : Sorry, we can't verify your identity, so we can't provide your report. 
XXXX : Sorry, we can't give you your report, but we don't know why. 

This is the third time that I'm making this complaint. I'm tired of it.
Consumer complaint received 2024-03-05
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I called today to change my name. When you call, you can only talk to credit card or money market account as they cant help with both at the same number called. So I called and was transferred 4 times. But, I got what I needed which was to start the name change process, and they were supposed to email me a link with a W9 and instructions on how to print it out, sign it, upload it with a copy of my new drivers license. Both representatives told me the same thing. I never got an email from either of them. There is no email address so I clicked their Instagram link in their homepage and the person there XXXX said they cant help me. All I need was a message sent to the respective departments asking them to resend the email and verify my email address. They refused to help me or get me in touch with a manager. So I called like they told me to do. And they refused to help me as well. So I got the manager on the line, XXXX XXXX, who also refused to help me. Their only response was i needed to call back during business hours. Well, I work. I changed my name over seven months ago and this is as the first weekday I could call. I dont have time to spend another hour on the phone redoing everything I did today. They are unwilling to send a message to the people who took my call today asking them to resend the email I need so I can finalize the name change process. Their inability to provide helpful customer service should be grounds for shutting them down. I have never experienced such resistance to helping a customer in need. I will be closing all accounts with this financial institution and I would advise anyone who has an account or who is even considering opening an account to strongly reconsider. If, WHEN, you need help they will do everything in their power to make sure you dont get it. I did this same process with XXXX  XXXX XXXX and XXXX XXXX  today. Instant resolution with flawless customer service. I completed their satisfaction surveys and rated them both a 10 all the way around. I would give XXXX XXXX less than XXXX if they cared to survey me. Please dont put yourself in this position and go elsewhere with your business.
Consumer complaint received 2021-10-31
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (IL)

Today XX/XX/2021 my account that was in good standing was closed. Reached out to several employees regarding the reason and was told that even though I made all my monthly payments on time, twice in the past year I had additional payments made that were refunded. This is not in the contract that I signed. Contract attached.
Consumer complaint received 2020-05-11
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Social Finance, Inc. (MD)

SoFi lending pulled my credit report and and offered me a refinancing option for my student loan. After weeks of back and forth they approved my refinance loan. Then out of nowhere after providing many and many document their loan officer withdrew my application without my consent. I called and asked to speak to their management team. I spoke to XXXX XXXX who seemed to try to help me. She ensured me that they will not be pulling my report twice. Still sofi pulled my credit report again within my consent or permission and after another round of weeks of asking for documents have denied my application. Their initial loan officer who withdrew my application without my consent was very discriminative towards me. She never responded to me when I asked. She made a comment about me having an accent and she withdrew my application without my consent.
Consumer complaint received 2015-07-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: ERC (CO)

ERC is the company, first they say, I owe for this debt that I have no idea or clue what it is or if I even did it. then the debt is about 8 years old, and also threaten take me to court if I do n't pay.
Consumer complaint received 2024-03-05
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Urgent : Continued Restrictions on Capital One Cards Ending in XXXX and XXXX Dear Staff, I trust this message finds you well. I am writing to express my concern regarding the ongoing restriction on my Capital One credit cards ending in XXXX and XXXX. 

On XX/XX/XXXX, I made a payment of {$9600.00} from my university credit union checking account ending in XXXX. Following this payment, both cards were immediately restricted, and I was informed that I needed to provide a statement for my checking account. 

In response, I patiently waited until my XXXX checking account statement was closed. I then diligently submitted the necessary documents, including a copy of the statement, screenshots displaying the precise ACH payment transaction deduction from my checking account, and details of the routing and account number. 

Despite these efforts, I have not received any updates from Capital One, and my cards remain restricted. This situation is concerning and does not align with the expected customer service standards. 

I kindly request your prompt assistance in resolving this matter and appreciate your attention to the urgency of the situation. 

Thank you for your help. 

Best regards, XXXX
Consumer complaint received 2020-06-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Asset Recovery Solutions, LLC (PA)

I am a consumer and natural person, I can not owe any debts, I am a non-entity, non obligor, non- debtor. MY personal information is worth whatever amount I say it is worth. Any company that has obtained my personal information without my consent is in violation of my GOD given rights to life, liberty, and the pursuit of happiness. 

ASSET RECOVERY SOLUTION LLC is attempting to collect on a debt that was created through fraudulent misrepresentation on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. XXXX XXXX furnished a Deceptive credit application pursuant to 15 USC 1692j, that did not give full disclosure pursuant to 15 USC 1631. 

Not only is ASSET RECOVERY SOLUTION LLC attempting to collect a fraudulent debt, they have not obtained the consent of the consumer for communication. They have obtained my personal information for their own benefit with has resulted in my identity being stolen. They are in violation of 15 USC 1692c. 

The practices employed by ASSET RECOVERY SOLUTION LLC and their staff have been an attempt to harass, damage my status with creditors and cause emotional distresses during a global pandemic.