davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

I opened a Citigold Checking account with Citibank on XX/XX/22. The available balance on this account as of XX/XX/22 is {$9500.00}. Upon accessing my account online, their system notified me that my account had been blocked. I reached out to Citibank 's customer service as well as their fraud department, and have been told that my account had been closed for fraudulent activity, but could not elaborate or give me any additional information. Citibank has refused to refund my money and has informed me that it may take up to 75 days to receive a check for the balance they deem appropriate.
Consumer complaint received 2022-11-03
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: JPMORGAN CHASE & CO. (IL)

I had a chase credit cared that went into chargeoff status but was paid in full. the acct went into first day of deliquency prior to XXXX  when it was paid off XXXXXXXX XXXX the acct is over XXXX XXXX XXXX since first day of being late but chase and the credit burue will not remove the acct from my credit report.
Consumer complaint received 2022-11-03
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Dividend Finance Inc. (CA)

On XX/XX/2021, a construction company installed a sunroom without a permit ( permit is included in the contract with homeowner ) and informed the financial institution that it was completed. The financial institution disbursed the funds ( $ XXXX ) without confirmation from the homeowner. The XXXX insti. sent an email/notice to the homeowner that the funds was disbursed for completion of the project. 
The homeowner informed the financial inst. that the project wasn't completed due to failure to obtain permit. And asked what is their process in place before disbursing the funds. Financial inst. declined to respond via email. 
XXXX spoke to XXXX inst. over the phone and was told that " as long as the project was installed, funds will be disbursed.
Consumer complaint received 2022-07-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Neon Newco Corporation (NC)

I deposit XXXX dollars and XXXX dollars back in XXXX into my Paypal account the transactions said denied the check went back but my finance company said thay paid them XXXX XXXX and XXXX XXXX XXXX XXXX XXXX NC after the check came back my funds was never available I have prepaid debit account and regular account with palpay it don't show in neither one after I my the online deposit I got a email from them saying I order a XXXX XXXX XXXXXXXX for {$300.00} and it was ship to Ohio I think I been scam my name is XXXX XXXX XXXX and number is XXXX live at XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX
Consumer complaint received 2019-12-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. ()

First, my loan jumped form {$0.00} a month to $ XXXXusd. I am unemployed, called to change payment amount and asked the customer service representative if I was going to get a bad credit score since I am unable to make the payments. He assured me that I wouldn't and that he would fix the paper work before it would effect my credit, which was untrue. My inability to pay the amount was reported and my credit score went down 200 points. I called and 2 people told me that they couldn't help me and that I would have to submit an appeal. Then the third person I spoke to, XXXX XXXX said he would listen to the call between me and the representative and that he would retract the report if the representative did say it wouldn't affect my credit. He then told me to call him back the following Monday, which he did not. I have been calling him for the last three weeks- no answer and no call. Then today I called Navient, they said they have no proof of the conversation between me and XXXX XXXX. In the end, I finally received help, but it took a month and my credit score is now affected.
Consumer complaint received 2022-07-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (RI)

I had Navient and the loans were discharged to me in 2006. I have gotten valid information that there was a multi state settlement reached for those serviced by this company. Navient Solutions had my loan transferred from XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX. They then had it and I have correspondence from them. I underwent a monthly payment program of consecutive payments, intended to help if successfully completed. 

I received a coupon book with the tear off portion, and I completed the number/cycle of payments successfully, but then things got confusing. There was a servicer transfer to XXXX, from Navient, as of current. This particular lawsuit against Navient, however, that several state Attorney Generals litigated for, and got compensation for is something that based on my circumstances, I am eligible for. 

However, to date, with trying to get to the right agency, there has been further confusion, because through all my efforts, I kept getting nowhere and where I'd contact would " pass the buck. '' I have correspondence from Navient that I can forward to demonstrate that I was under them before their transfer to another company. They were the ones under which they discharged the loans, and my account was overlooked and as such, I am requesting to be included in the lawsuit that was reached. I went to XXXX College, XXXX, Massachusetts and the loans were for that 4 year term. I would like to have the settlements benefits to its claimants based on my circumstances described in this lawsuit case that the states won. 

The fair outcome to my issue would be for my school loan and account to be the inclusion in the recent Navient settlement. I have corresponded inquiring about this settlement and this complaint is intended to have my case looked at, per the settlement. 

The name of my servicer was Navient, before it was transferred over, but want to be included in the lawsuit based on its merits/ details. I have contacted your servicer regarding this matter, and have reached out to the U.S. Department of Education regarding this issue, but to no avail. I would like your assistance on what steps to take, so that I'm able to be part of the litigation process that Navient was sued for.
Consumer complaint received 2022-11-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (VA)

To whom this might concern, My PayPal account is now permanently limited and I could not perform send or receive funds. 
On XX/XX/2022, at XXXX XXXX, I received an email from PayPal, with the title You can no longer do business with PayPal ( Ref ID - XXXX ) '' and there was no in-depth explanation why. 
In the email, it mentioned that " Specifically, the sale of items that infringe or violate any copyright, trademark, right of publicity or privacy, or any other proprietary right under the laws of any jurisdiction '' I am not a seller, I am currently a university student and never been a seller of anything in person or online. I had no idea why PayPal wrongfully flagged my account as a seller account and suspended me for such reason. 

XXXX, CFPB can help escalate this issue to PayPal, I really hope to get my accounts back and continue my relationship as a customer with PayPal Inc. 
I have been nothing but respectful toward the company and would really appreciate it if this issue can be resolved. 
I will attach the email I received from PayPal. 

I appreciate all the help and response I could get, thank you very much.
Consumer complaint received 2022-07-10
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: LEXISNEXIS (CA)

I noticed that there is an alleged bankruptcy on my credit report, so I reached out to the bankruptcy court to see where this information came from and they said they didn't release any information to any credit reporting agencies. Which I found odd because on my credit report I see that XXXX, XXXX, and XXXX have a bankruptcy on my report. 

I reached out to the company LexisNexis about their reporting of this alleged bankruptcy and they removed the information from their records. I have attached that letter as well. 

I also attached a letter explaining the violations that were committed by these companies in accordance to 15 usc 1681e ( b ), as they didn't follow the reporting guidelines.
Consumer complaint received 2022-11-03
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA (OR)

Leased vehicle was totaled XX/XX/2022. Vehicle was fully insured with XXXX and they sent original settlement offer and explanation XX/XX/2022. I continued to make payments so that XXXX would not report negatively to credit bureau agencies and was told that the overpayment would be credited from XX/XX/XXXX. 

Kia Finance has continually caused delays in processing paperwork and failed to acknowledge when paperwork or responses were sent. XXXX made adjustment to the settlement offer in hopes of XXXX just pushing approval through and getting the lease paid off. They sent additional offers for processing on XX/XX/2022 and again on XX/XX/2022 when XXXX filed respond. We, XXXX and myself, called XXXX via three way call on at least 4 occasions during this time to inquire and resent the settlement offers as they requested. Each time we were told it would take XXXX days to process. 

Claim was finally accepted on XX/XX/2022. Payment was accepted by XXXX on XX/XX/2022. 

I called XXXX for a status update on XX/XX/XXXX and was told it would take XXXX days to process the payment, close the account and issue my refund for overpayment. 

I called XXXX for a status update on XX/XX/XXXX and was told it would take XXXX days to process the payment, close the account and issue my refund for overpayment. 

There was no reason or explanation given for the delay when asked. 

As of today, XX/XX/2022, XXXX has still not processed payment or closed out account. They have made a partial refund on my overpayment, but still owe me a little over {$500.00}. They have continued to report this as an open account. 

I was told it would take another 2-3 days to process.
Consumer complaint received 2021-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

Account Ending : XXXX I have received a promotion from Citi Bank to open a checking account and earn additional 25 % cash back on my Citi XXXX XXXX credit card. So I opened an account per the terms and received an email as well from citi, that I had successfully enrolled in the promotion and I will be earning 25 % more cash back until XX/XX/XXXX. In fact they sent an email on XX/XX/XXXX, confirming that I am earning 25 % more cash back. 

But after the promotion period is over on XX/XX/XXXX, Citi should have awarded me the additional XXXX $ for the spend during the promo period. But Citi failed to provide me with appropriate cash back per the terms and failed to resolve my issues on time. 

I had submitted a case and got a reference # XXXX. But it is sitting there with no updates for more than 10 weeks. 

So help me in getting the cash back per the terms and I am attaching the required supporting documents.
Consumer complaint received 2022-11-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/2022 approximately XXXX Chase bank atm malfunction. It did not disperse {$1400.00} that I requested however it was debited from my account. I informed management at local bank they informed me to contact bank by calling them. I called bank they informed me that a credit would be issued after an audit completed. XX/XX/XXXX I was credited {$1400.00}. XX/XX/XXXX the credit was reversed after there audit determine money was accurate in atm machine. I never received any money in XX/XX/XXXX from the atm transaction. Chase bank have now closed my claim on this transaction and determine there atm was correct. 

Claim # XXXX ATM #. XXXX Indoor ATM XX/XX/2022 XXXX XXXX Chase bank
Consumer complaint received 2022-07-10
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. (IL)

I am writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the Affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors please delete the items as soon as possible.
Consumer complaint received 2022-11-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: DISCOVER BANK (CA)

I have a student loan with Discover bank, for which I received a disclosure letter on XXXX total disbursement based on disclosure was {$68000.00}. In the letter, the committed margin on my loan was noted as " fixed at XXXX % and was set based on credit evaluation at the time of application. '' However, upon checking, I found that the bank has been charging me a margin of XXXX %. 

I brought this to the attention of the bank via toll free number. I've been waiting for a resolution since then. I was told on my calls that margin is subject to change ( The agent later backtracked upon questioning ). I was promised multiple times that I would get a call back within 2-3 working days- which never happened. 

I have multiple attempts to reach the bank to get updates/find a resolution/ follow up on the issue, here are the dates/records ( XXXX ) : XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (MI)

I am the victim of identity theft. I discovered this 4 years ago when I was purchasing a new home. I have reached out to all 3 bureaus and sent all 3 bureaus a copy of all my identifying information along with a police report. I have had debt collectors attempt to come after me for debt owed to them under fraudulent premise. I am the sole owner of the social security number ending in XXXX. I have never went by any other name or alias. Jefferson Capital Systems flagged my credit reports for a debt that was taken out using my social security number, my 1st name " XXXX '', but a different last name. My name is XXXX XXXX XXXX. The debt owed was in a name belonging to " XXXX XXXX '' ( a name I never went by ) I reached out to Jefferson Capital Systems and alerted them of this error. I was told by one of their reps that this case was given to " XXXX '' another collection agency. I reached out to XXXX and made them aware of the identity theft as well as the name issue. I was told by the XXXX rep that they were sending this case back to Jefferson Capital systems. I called Jefferson Capital Systems back and was told I had o wait until they have the case back. I asked why did I have to wait to address a fraudulent account. I waited a few days and called them back again. Also, I have never had an account with the original debtor " XXXX XXXX ''
Consumer complaint received 2022-07-09
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. (NV)

in accordance with the Fair Credit Reporting Act XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX, DEPT OF EDXXXX Account # XXXX, XXXX XXXX XXXX Account # 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 2022-07-09
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. (TX)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-07-09
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. (MI)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Acct # XXXXxxxxxxxxxxx, XXXX XXXX XXXX XXXX Acct # XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX / XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX / # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX Acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX Acct # 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 2022-11-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: 21ST MORTGAGE CORP. (TX)

From the beginning, 21st Mortgage has been a pain in the XXXX. First, they made every effort to make it difficult to obtain the loan like ; Not excepting military pay as income or my XXXX. One comment was " You cant be active military and receive XXXX income! '' Another " We can not accept a down payment from a nonprofit organization '' Now that I have had a loan with them for a year, it seems that they make it so difficult to make a payment. They reject payments and demand that I provide my checking account number over the phone, which makes me very uncomfortable. 

From day one they make me feel that I am a criminal trying to scam them when it is the other way around. They are the criminals trying to take my property. 

Even with the ESCROW, they claim I was scamming because I am a young guy paying very low taxes on the property. They never saw where a young person pays as little as I do on property taxes.
Consumer complaint received 2022-07-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc. (PA)

XXXX had put a thing on my credit report saying I owed XXXX so I disputed it and told XXXX to show proof I owed the bill or remove it they removed it but then another company EOS CCA put it back on so I told them I want proof of the debt or remove they told experience it's a valid debt but won't send me proof of a bill or anything else saying it is avaliable debt or if the amount is correct
Consumer complaint received 2022-07-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

XX/XX/XXXX - Venmo suspended my account stating that I violated their user agreement but didn't specify what violation I committed. I contacted Venmo support that same day and asked them for an explanation along with what I needed to do to remove the suspension from my account. 

XX/XX/XXXX - Venmo finally responds after I messaged them again and stated that they reviewed my account but it needs to be reviewed again by another team. They said it would take 6 to 7 business days or sooner for a response or update. 

XX/XX/XXXX - I sent Venmo a message asking for at least an explanation on what violation I committed. No response. 

XXXX - Sent another message to Venmo asking for an update. No response. 

XXXX - Sent another message to Venmo asking if I would be able to continue using their service after the review. No response. 

XXXX - Asked Venmo for an update. No response. 

XXXX - Sent a message to Venmo asking to see if I can withdraw the money from my account and close it out seeing that they still haven't responded. No response. 

XXXX - Asked again for an update from Venmo or a way to close out the account. No response. Started a new complain or ticket and they replied with no message and just sent my email back to me. 

XXXX - Told them that I would appreciate a response and would like to close out my account. Told them that they are holding on to my money and I have no pending transactions or any activity to warrant a hold. No response. 

XXXX - Started complaint with Consumer Finance in hopes that Venmo will finally respond to my communications and resolve the unwarranted suspension on my account.
Consumer complaint received 2022-07-10
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. (SC)

In accordance with the Fair Credit Reporting Act all the accounts listed below have violated my rights, and it is just not fair. it has almost ruined my family and child. 

15 U.S.C 1681 section 602 A states I have the right to privacy, and 15 U.S.C 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions. 

I would only ask for your help. I have no other options. Thank you so much.