davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

Someone has used my Mother 's checking account number and/or debit card number from Chase Bank and has charged in excess of {$2200.00}. All payments were made to XXXX XXXX. In speaking with XXXX XXXX XXXX, they informed us that there are two separate individuals in the XXXX area that are responsible for this fraud. XXXX has agreed to return all monies that were fraudulent, however they require a late ACH payment form from Chase Bank. Several employees from Chase bank ... branch employees through supervisors in the Fraud Department have refused to provide this form for us citing because my Mother has a valid policy with XXXX they consider it to be a valid merchant. Despite pleading with several Chase representatives, they all continue to deny this request. Date of fraudulent transactions are XX/XX/20 -- XX/XX/20 -- XX/XX/20 -- XX/XX/20 -- XX/XX/20 -- XX/XX/20 -- XX/XX/20 and XX/XX/20. The account was closed and a new account was opened so no further charges could be made. Also, a police report was filed with our local Police Department.
Consumer complaint received 2020-05-19
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: BARCLAYS BANK DELAWARE (CA)

On XX/XX/20 I tried to purchase something online, but the website said the transaction failed. However, a charge for that amount showed up on my credit card under a different business name. I quickly realized I had given my card number to a fraudulent website. I tried to cancel my card within 10 minutes of making the purchase, but the credit card company had no service available to answer my call until XX/XX/20 ( which is ridiculous, but whatever ) so I couldn't cancel my card immediately. The best I could do was put my card on hold, which I did immediately. I called the credit card company again on XX/XX/20, but was put on hold for over an hour. I called the credit card company again an hour later, finally spoke to someone after another half hour, and was told that they refused to do anything about the fraudulent charge.
Consumer complaint received 2020-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

*****Hello, My name is " '' '' '' XXXX XXXX '' '' ''. I have tried to correct my credit report over the past 2 years but none of it works. I notice that all of the employment information and some of the addresses that are listed in my **credit report***. There are also several incorrect information that exist in my credit report that not belong to me or any of our business. I really demand to have all of these information clear off my credit account. Here are the addresses and employment information : & & & & & & & & & & & & & & & & & & & & & *XXXX XXXX XXXX XXXX XXXX XXXX XXXX   ^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^ ***ADDRESSES REPORTED XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX **************************
Consumer complaint received 2020-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (OH)

Citibank " closed '' my account, however they have not stopped accepting my payments and apparently still want to keep our relationship around long enough to get paid. That's fine. Well I want to view my transactions and account activity. 

Citi Bank closed my Mastercard out of retaliation and revenge earlier this year. They then locked me out of my online activity and will not allow me to access the card activity that had already occurred. 

If Citi wants me to continue making payments on the balance due, I want to continue to be able to see what it is I am making payments on.
Consumer complaint received 2020-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Paypal Holdings, Inc (DE)

REceived prepaid mastercard I did not apply for from PAYPAL, issued by the XXXX XXXX, Arrived in US mail. I have frozen all credit and signed up for OPTOUT on credit card offers. I called Paypal several times and was only directed to other numbers that have recorded lines. I called XXXX  XXXX, got a ticket number XXXX. When i called back they said I had to call PAYPAL but were unable to provide a number. they only said call paypal. I do not have a paypal account. I do not want a new account. I do not to give any information out.
Consumer complaint received 2020-05-19
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: EQUIFAX, INC. (FL)

XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
DEPT OF EDUCATION/XXXX  XXXX XXXX XXXX XXXX DEPT OF EDUCATION/NELN XXXX DEPT OF EDUCATION/NELN XXXX DEPT OF EDUCATION/NELN XXXX DEPT OF EDUCATION/NELN XXXX DEPT OF EDUCATION/NELN XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATION/XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX/XXXX   XXXX XXXX  XXXX/XXXX XXXX XXXX/XXXX  XXXX XXXX/XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2020-11-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. ()

I write to you about my Citibank banking account I opened while I was studying in the US. 

On XXXX XX/XX/2017, the Bank notified me by mail that they were taking action to close my account, and they wrote to me that they were going to mail me a check for the remaining balance in my account after it closes ( almost XXXX XXXX usd ). 

I didn't take any action and just waited for the check. 

Subsequently, on XXXX XX/XX/2017, the Bank confirmed to me by mail that my account had been closed, but, contrary to what was written in the previous letter, they asked me to provide instruction otherwise the funds were being held by a Citibank branch. 

So, on XXXX XX/XX/2017, I wrote the instruction, but unfortunately, I haven't received anything so far. 

Later, I called Citibank several times and wrote them a couple of letters requesting to send me back the remaining balance. 

Citibank has never answered to me and they still keep unlawfully my money.
Consumer complaint received 2020-11-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Millco Management (NJ)

I receive a collection notice for a visit to the Emergency Room of a hospital. Even though I submitted my insurance cards during my visit. It is astonishing that the hospital would place the bill with a collection agency and the collection agency would report the collection to the credit reporting company 's without billing any of my 3 medical insurance policies that I had submitted to the employees of the hospital during my visit. I would like this item to be removed from my credit report. They did not follow proper procedures by billing my medical insurance for the visit.
Consumer complaint received 2020-05-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Neon Newco Corporation (HI)

NETSPEND sent me an unsolicited debit card in the mail which I received on XX/XX/2020 with my correct name and address on it. I tried to call without activating the account but the options weren't available on the phone numbers provided. There was no customer service number on the card. I tried the fraud number but it only gave options which included the card number or personal ID information. Anyone could have taken this card from the box and used it in my name. If there is no law for disallowing this behavior there should be. There should also be a customer service number on the card for anyone to use whether their service is agreed upon or not. I understand that if stolen, my identity could be vulnerable. Also, I am not sure how they know my last four letters of my social security number which they wanted me to use to verify my identity to obtain assistance on the phone. I proceeded to investigate on line actions I could take to prevent an unsolicited card strapping me with this additional protective action on my part to protect my finances and identity. I froze my credit and I am making this complaint. This has been about a day 's worth of effort on my part for receiving an unsolicited debit card in the mail.
Consumer complaint received 2017-08-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: KEYCORP (TX)

I received a letter from XXXX XXXX ( a dept collection company ) on X/X/2017 informing me that they were the legal owner of a dept I owed from more than 20 years ago. I called the agency to gather more info and the collector went on to tell me they had access to FBI files and he could give me the name of my neighbor if he wanted. He also said they we 're going to file a judgement and the debt would be on my credit report for 6 years. I do not believe I owe this debt and the practices used during the phone call were very threatening. I am also worried that this company obtained my personal information for fraudulent purposes.
Consumer complaint received 2020-11-19
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (TX)

For the past 7-8 weeks US Bank ' Debit Reliacard locked my card for absolutely no reason. They said I tried to change my address which I keep telling them repeatedly that I have not changed my address information, I have lived here nearly 3 years. So they keep asking to see my ID and I tell them I don't have one, I have always been self employed by my father and never needed one. Which they don't have a right to ask for an ID in the first place considering their website says you only have to send a photo of your ID if you verbally verify that you tried to change your name, or address, or birthdate, or social security number. I log into my account and of course all the information is the same as it was when I got the account in XXXX. I even sent them a photo of a piece of mail I received XX/XX/XXXX from the IRS with my address, last four numbers of my social and my name.. They said that was a good enough reason to believe I never requested an address change and the card would be unlocked today. Sure enough, I call back and it's more violations and more fraud on their end. I usually end up talking to the same female, she once said she was a manager.. And then today she says she isn't.. her supervisor or manager is not there. I recorded these past two conversations. I literally made 4 transactions with the card and they shut it off for no reason and can't seem to give me a valid reason at all why. They just keep lying and violating their legal policies posted on their website. I have 4 kids and a broke down vehicle and I can't access money that belongs to me. They have been doing this to several thousand innocent people who really need access to their money right now. Please help my family. Thank you.
Consumer complaint received 2020-09-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (MD)

I recieved notification that the rewards feature of my card was being upgraded. This was presented as a feature change so I did nothing. Later I was notified that a new card was being sent to me. This made no sense to me as my current card was still good to 2023. 

My current card has been declared inactive by the rewards department and my contact information was changed to the rewards department XXXX number. This access to my account online management seems to border on hacking. 

I have spent hours trying to restore my account to its previous status and I have a complaint number but no action is being taken on my requests. Instead I am being told that a new card is on its way and my current card is cancelled. 

None of this is by my request and I do not understand why I am being attacked this way. Further I feel my data is not safe with this company but if I close this account they still have my data to do with as they please.
Consumer complaint received 2020-11-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: New Southern Loans, Inc (NC)

On XX/XX/XXXX, we received a check in the mail from New Southern Loans for XXXX. We called their office to question whether they would check our credit. The young lady stated that she did not know and would have her supervisor call us. We immediately received a credit alert notification of a hard inquiry. The letter attached to the check stated that cashing the check would initiate a credit inquiry. We had no intention of cashing the check because of the 30 % plus interest rate. First, we have raised our credit score by over XXXX points and could obtain a loan from one of our banks. Secondly, we do not need a {$1000.00} loan. We would like this company to remedy this issue by removing the inquiry, report our previous account closed, paid as agreed and remove us from their mailing list.
Consumer complaint received 2020-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Cadence Bank (MS)

I have had my credit card with BancorpSouth Bank in XXXX, MS for quite sometime. I pay my balance in full every month. I use the card for online grocery purchases, gas and some other occasional online purchases. 
On Monday, XX/XX/XXXX, I was notified through XXXX  that my authorized subscription for {$5.00} was declined by BancorpSouth Bank and that I needed to provide another form of payment. I knew this had to be a mistake. On Wednesday, XX/XX/XXXX, I used my BancorpSouth card at XXXX and at the gas station. Late Wednesday night, I created an online grocery order to XXXX. When I tried to use this credit card to pay, it was again declined. I thought maybe their system was down so I attempted again. 
During banking hours on Wednesday, I sent an email to BancorpSouth Customer Service to inquire what was going on with my credit card account. I received a response that I would be contacted within 24 hours. 
At XXXX XXXX  on XX/XX/XXXX, BancorpSouth Fraud and Risk Management Department contacted me and asked me to return their call. I called them back and spoke with XXXX. He immediately asked me for my card number. I refused to provide. In this day and time with all of the fraudulent transactions, I could not believe they asked for my card number. There has to be other ways to verify your identity. He said my card was placed on hold on XX/XX/XXXX and wanted to review some transactions with me. I asked him why it took 4 DAYS to contact me and that I had several transactions declined because of their hold. He provided no explanation for the delay in trying to reach me. This is very embarrassing! XXXX will no longer accept my BancorpSouth Bank credit card as a source of payment because they think I was past due or over my credit limit. What if I had been on vacation with this credit card as my only source of payment??? 
It is very obvious to be there is no standard of care or customer service at this bank. I still have not received a call from their customer service and it has been well over 24 hours mentioned in their email.
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 — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I HAVE SUBMITTED MY ID THEFT REPORT AND THEY HAVE FAILED TO RESPOND IN THE TIME ALLOWED IN SECTION 605B. THEY ARE IN VIOLATION OF 605B OF THE FAIR CREDIT REPORTING ACT. THIS AFTER I WAS A VICTIM OF THEIR DATA BREACH!
Consumer complaint received 2020-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc (GA)

My paypal account was put on account limitation during covid. Paypal had no type of human being interaction while my account was on hold, only automated. I called and emailed plenty of times and received no response. Money was sent to me for health care and to pay rent and to pay other bills. It was XXXX and I desperately needed the money and couldn't get it because paypal put my money on hold. I feel it is disgusting for paypal to hold my money during a pandemic with no explanation and when I asked they told me I needed to get a subpoena from the court in order to see why. I went on paypal business pages on social media and many people were complaining about the same exact thing, please look into the issues of others complaining about paypal holding funds illegaly. I've had paypal for 16 years and never had issues with them, I love paypal and now during a pandemic they hold everyones money for no reason and no explanation.
Consumer complaint received 2021-01-21
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JFQ Lending, LLC (CA)

MY CURRENT MORTGAGE IS FINE! You did not give me an 'other ' option on the previous page. The problem is I am being harassed by phone, email, text message and mail by the company JFQ Lending Inc in AZ. I have never heard of them or have done any business with them but they found my name, address, and mortgage company. 
They sent me an official looking letter with the name of my current lender. How they got this information is a mystery to me. The letter was so specific to my mortgage that it seemed like it was from my own credit union, or at least in partnership with it. The letter starts with " Your current loan with _____ Federal Union has been identified as benefitting from the aggressive enhancements made to XXXX XXXX eligibility. These changes will generate economic benefits to those, like you, who have a conventional mortgage '' .... 
I mistakenly answered them online with my email and phone number but after researching this letter online I now realize this company is trying to scam me and try to aggressively get me to refinance my mortgage with them. So now they are harassing me daily in some form as stated above. I want them to stop and be stopped from doing this to anyone else.
Consumer complaint received 2017-08-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MB FINANCIAL, INC. (NY)

( Not issuing decline letter in timely matter ) My husband and I had fallen behind with our loan due to unexpected major repairs to home and change in income after home purchase, back in XX/XX/XXXX. We applied for a modification and were approved in XX/XX/XXXX. The documents were received on or about XX/XX/XXXX and due back by XX/XX/XXXX. We sought legal advice to understand the new agreement and return the documents after XX/XX/XXXX but prior to the end of the month. At the time we were not aware that there was a return date for the signed and notarized documents to be returned by XX/XX/XXXX. We made the first payment as per the modified agreement on XX/XX/XXXX. We have since been told that our permanent modification has been declined due to not returning the agreement. The most recent statement received indicates that we have a balance in excess of {$9000.00} in arrears and have not, to date, received a decline per the verbal conversation my spouse had with lender. Also, the payment I sent for XX/XX/XXXX has been posted. Today I called the bank to confirm that the Modification has been declined and requested an official letter. They confirmed that they did receive the modification documents on XX/XX/XXXX. They stated that they spoke with me on XX/XX/XXXX when I called to make my payment and discussed nothing about the due date of the paperwork or even stated that they have been trying to reach me. I was unaware that their were any issues. As I request as much information as possible whenever I call them because nothing is clear. They claim they called my spouse on XX/XX/XXXX and spoke to him. He has no record of this. There was no note as to what they spoke about other than XXXX was planning on returning the document. They gave an extension to XX/XX/XXXX. They claimed to have tried to contact XXXX several times but could not. ( So we were in no way made aware of this or even that it was needed. ) They called XXXX on XX/XX/XXXX when they received the paperwork and told him that it was being declined to the time window expiring. I called on XX/XX/XXXX and requested documentation/ decline letter. I explained why there was a delay and that every time that they have contacted us, we have spoken with them. I also requested a new hardship packet and told them I was meeting with my official HUD counselor later this month. I also gave them my number to contact me if necessary with any questions. She said that it would now become the default contact going forward. I asked if would take 5 months again. She told me they were originally short staffed when first applied. That it why they have been delayed in getting things out to us. It should go much quicker this time. I would like to note that I do not believe they have tried to contact us when they said they have. We have been very attentive/ responsive as well as making the agreed modified payments in a timely matter. We have also adjusted our lifestyle to do everything we can to keep our creditors happy.