davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (IL)

Commencing on or around XX/XX/2020, I fell victim to a multilayered scam operation orchestrated by XXXX which involved me making deposits for a total amount of XXXX XXXX XXXX XXXX XXXX XXXX from my Coinbase Inc account to fraudulent investment firm ( s ).
Consumer complaint received 2016-09-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (NY)

Chase is miss-reporting payments made and received. Chase continues to report my mortgage to be in arrears and every month the number increases by a month 's payment. On the statement sent payment is listed to have been received. All of the discrepancy started after the chapter XXXX bankruptcy ended but Chase representatives can not identify the specific month when the XXXX payment was not received. Chase miss allocation of payments is negligible and is having a significant impact to my credit and ability to obtain financing. I currently have and adjustable rate mortgage with a rate of XXXX and I can not refinance it because of how Chase is handling my payments and reporting such. 
I appreciate your attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2017-01-22
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (NY)

Chase is reporting me negatively to the credit bureaus as being 30 days late back in XXXX. 2014 although they are well aware that it only happened once throughout the whole life time of the account and I had difficulty 's receiving my statements as I live in a big apt . building however, even after contacting them about it, advising them to correct it, as it causes me credit damage, and even after I was already promised by XXXX XXXX XXXX, it will be corrected they still continuing to report it negatively.
Consumer complaint received 2015-05-22
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO. (AZ)

About XXXX 2015 I accepted a promotional balance transfer ( {$4000.00}, 0 % interest for 16 months or similar, for a 2 % = {$80.00} transfer fee ), and carefully tried to immediately pay off any purchases as they posted ( payment XXXX applied to minimum payment, then to highest interest rate etc. ) While I am contesting several misallocated payments, the easiest id to just focus on the airline ticket purchase of {$1200.00} + {$790.00} = {$2000.00} from XXXX XXXX, and payment made on XXXX XXXX. I made sure to pay after the ( pending ) had changed to ( posted ). 
Still, the CC applied my payment to my promotional balance instead of my new purchases ( largely voiding the interest free loan that I had paid {$80.00} for, and punishing me with unjustified interest charges ). This already seemed to have happened in XXXX ( confusing ). I had a long phone call with CHASE XXXX XXXX regarding unreasonably high interest charges. On XXXX XXXX I bought airline tickets for {$2000.00} and for {$340.00} which posted on XXXX XXXX and XXXX XXXX, and I made payments for the same amounts XXXX XXXX and XXXX XXXX, which posted on XXXX XXXX and XXXX XXXX. Yet on my newest statement received today ( XXXX XXXX ) interest charges where again too high. I called, and after being escalateded up XXXX levels I learned that most of my payments had been applied to the 0 % promotion balance instead of the purchases ( which by then had posted and which carry a 15 % interest rate ). After a long phone conversation, I was told that this in agreement with the cardholder agreement ( backside of statement, attached ). I do not agree. The service rep told me that I have to wait for the statement period to lapse in order to have my payment be applied to the new purchase. I can not understand how the paragraph ( attached ) that she pointed me to says this, and at the very least this is a deceiving statement and practice.
Consumer complaint received 2017-10-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (VA)

I have recently received a discharge on my Chapter XXXX bankruptcy where I completed my plan making every payment on time. In XXXX 2017, I received a letter from the trustee to begin making payments to Nationstar Mortgage. I called the company and was told a different amount ( 300+dollars ) instead of the XXXX payment the trustee said I would be paying. I questioned the representative at that time who said I had funds left over in my bankruptcy account that covered the remaining portion. Again in XXXX, the XXXX was owed. At that point I spoke with a representative in the bankruptcy dept who agreed this was wrong. The rep submitted an inquiry to the research dept. XXXX rolls around and I officially got my court paperwork finalizing my discharge. I receive a statement in the mail from Nationstar saying I am past due. I call them and the rep said no, we have money holding in an account that can not yet be applied to your account. That was last week. Today, I get a note taped to my door of my house saying I should immediately call the company. I call, they said they actually owed me money and dont know whats going on. You can not get a straight answer.
Consumer complaint received 2016-10-24
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IL)

We attempted to purchase camera equipment via a Website XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX. After receiving an invoice from alleged company we completed Wire Transfer as requested. Subsequently found evidence that site was a scam and attempted Recall of wire transfer. Transfer occurred between our account at Chase Bank and identified account at XXXX XXXX. Recall not complicated as Chase refuses to provide Hold Harmless Document to XXXX. We have supplied notarized evidence of Scam and our understanding is XXXX has frozen assets in receiving account
Consumer complaint received 2023-02-24
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. (FL)

In accordance with the fair credit reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX  XXXX ACCT # XXXX, ACCT # XXXX, ACCT # XXXX, ACCT # XXXX ACCT # XXXX, ACCT # XXXX ACCT # XXXX ACCT # XXXX ACCT # XXXX, ACCT # XXXX  ACCT # XXXX. XXXX XXXX  ACCT # XXXX XXXX XXXXXXXX ACCT # XXXX XXXX  XXXX ACCT # XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX ACCT # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. states I have right to privacy. 15 U.S.C 1681 section 604 A SECTION 2 ; it also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) section states 2 ; it also a consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.
Consumer complaint received 2015-06-06
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: HOVG, LLC (FL)

they called XXXX times in 1 day, each time I answered I was put on hold and the machine hung me up. The XXXX time I made payment arrangement to mail/pay {$20.00} per month and she said that would be fine. The next day they called again and said they had not record of this arrangement. I was so angry that this is going to continue with these harassing phone calls daily. I intend to pay this bill and I do not want daily calls.
Consumer complaint received 2016-12-28
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (CA)

My Macy 's cards were stolen. I was successful in getting the fraudulent purchases removed from my credit reports. The company opened XXXX new cards for me. 
Recently, in retaliation they closed XXXX of my new cards. A customer rep maintained that I requested this action. I did not initiate anything resembling this. 
My payment records are perfect, and the retail staff was not authorized to close this new card. They were expected to send me a new replacement card, which they never did. 
This is an act of discrimination.
Consumer complaint received 2016-07-09
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (NY)

Last year, I applied for the citi at & t access more card credit on the citibank 's website and got approved. On either their website or the card agreement I received, it is clearly stated that I will earn a annual bonus of XXXX thank you points if I spend XXXX dollars in the previous year. On XXXX XXXX, I called to check in how I am progressing in getting the benefit and when my next reward period starts, the representative told me, she told me she saw this as a one year promotion ending in XXXX and said that this is just a one year thing and would not happen again in the next year. 
I asked to speak to a supervisor to check in what has happened because the representative said that she could not tell me more, while being totally shocked about this. I stayed on the line with her for about one and half hour to get transferred but she told me that the supervisors became to be unavailable from available because they were taking calls from the new costco cards customers. Afterwards, I contacted the customer service through online chat, and I got the same answer ( conversation enclosed ). I was so disappointed that they made such a discrimination here and about the way they lied in their marketing materials. I am considering this to be a fraud. I spent two and a half hour on this but am still not clear what is happening. 
If it does not get resolved soon, I will probably take legal action.
Consumer complaint received 2017-03-14
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (MA)

I have been issued the VISA Platinum level credit card by CITI bank a few years ago. I have been currently out of the country since XX/XX/XXXX and Citibank/credit card was informed about it. Unfortunately, without informing me or without any advance notice, the card has been blocked and I am unable to use the card while travelling, which causes a lot of problems for me. There is no reason for blocking my card and funds on the above card. I called the bank four times on XX/XX/XXXX. The first representative informed me that the bank is changing cards ( from VISA to Masercard ) and that I would be receiving a new card " soon ''. I was also informed that I could still use the old card for 75 days. The bank employee confirmed, that if I tranferred my money to the old card I would be able to use it. I did that. Unfortunately, my card and my funds are still blocked by Citibank. I called Citibank again after my card was declined during attempt to pay a bill. I was informed that due to weekend my funds would be available on the next business day, that supposed to be Monday ( XX/XX/XXXX ). I waited. Unfortunately, the card was declined on that day as well. I called the bank immiedietly after that ( again a few times as no one was answering the call after I was prompted to enter my card number and Social security number ). Finally I was connected and asked to speak with a suprevisor. In a pleasant conversation, the supervisor assuered me that I would be able to use the card after midnight, meaning on Tuesday ( XX/XX/XXXX ). I have just tried to use the card today ( XX/XX/XXXX ) however the situation continues, and the card is blocked by Citibank without my posibility of paying the essential bills including, but not limited to buying a plane ticket. The situation is outragous with the bank being fully aware of my travels abroad, sending some cards somewhere ( certainly not to me ) and blocking my old card preventing me form using it while travelling abroad and having limited access to any funds or banks. Moreover, on XX/XX/XXXX, I received a call from Citibank employee telling me that my credit card bill is overdue and I am over the limit on the card, which is clearly not the truth as showed in the attached screen photo of my Citibank credit card webpage as of XX/XX/XXXX.
Consumer complaint received 2017-02-09
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: CITIBANK, N.A. (CA)

I found out in XXXX XXXX I had judgement entered against me. I was not aware that judgement was entered in XXXX, I was never given court papers. It was explained to me I was served papers by substitution, that is not fair. I can not speak XXXX very well, but I was able to have a friend try to help me settle. They have raised the debt by way to much money and are not being cooperative in settling this debt for a fair amount, even though they never served me properly. I feel like I have been taken advantage of and now being forced to pay a large amount I can not afford.
Consumer complaint received 2015-04-21
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (TN)

I made contact with Quicken Loans regarding a potential mortgage ... ..they provide no way to unsubscribe from their email distribution list. Also, even when you are emphatic that you do not want any of their services, they will not stop calling you on the phone. 
I would never recommend this company to anyone, they are a nuisance.
Consumer complaint received 2015-08-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: CITIBANK, N.A. (OH)

I took XXXX private loans from Citi Bank between XX/XX/XXXX-XX/XX/XXXX. I was an international student then so I was not eligible for federal aid. XXXX of the XXXX loans were sold to XXXX, XXXX continues to be with Citi. This XXXX ( originally a XXXX $ loan ) I still have with Citi has a 6.5 % interest rate. I have been making regular payments since I finished graduate school. On addition, whenever I can, I have made payments towards my principle. However, I just realize that the math does not add up. For instance, though I made a payment of XXXX $ towards my principle XX/XX/XXXX, my balance is still way above XXXX XXXX How could that be given that my original loan was XXXX XXXX I have stayed on top of my monthly payments, and I have made other additional payments, clicking the box that says " apply towards principle ''? Thank you for your help!
Consumer complaint received 2016-03-17
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (FL)

My dad is a credit card/identify theft victim. He fell for a scam in XX/XX/XXXX and again in XX/XX/XXXX that have wiped his savings and created major debt. First, in XX/XX/XXXX it was a telephone call saying that he was late on paying a bill and needed to pay immediately, so he provided a credit card number with his personal information. That created a ridiculous amount of charges, which he was unaware of. He is in his XXXX 's with some XXXX caring for my mom who was very ill. Then in XXXX XXXX he received a phone call, letting him know that he had won the big prize of Publisher 's Clearance but that he needed to follow very strict instructions. So he did. The result : Someone opened via internet a Citibank credit card in XX/XX/XXXX and charged {$10000.00}. In addition, they charged over {$12000.00} on his XXXX XXXX XXXX card and another {$10000.00} at another institution. Both Citibank and XXXX XXXX XXXX refuse to accept the fact that he did not make any of the purchases and have released the case to Collection agencies to recover the funds. I 've documented all the transactions and we can not believe that after all the documentation, either institution have not properly looked into the case. What we get is letters telling us " You opened the account via internet in Citibank and this is your responsibility ''. My dad does not own a computer nor did he have internet service. We 've written to Citibank several times and get the same response, " you opened it, it is your responsibility ''. The crooks were brilliant in how they managed everything. They opened the Citibank account and deposited the money in his checking/savings account at XXXX XXXX XXXX, then proceeded to make telephone transfers. They completed wiped all this checking and savings. My mom died on XXXX XXXX, XXXX and her memorial was XXXX XXXX. Because of his XXXX situation, and my mom 's death - I took over my parents ' finances in XX/XX/XXXX. I have spent considerable time understanding what had transpired, documenting much of the transaction. Both banks ( XXXX XXXX XXXX and Citibank ) have been unsympathetic. We spent considerable time at the local XXXX bank and ultimately chose to close his account after my dad 's account was cleaned out. I 'm at wit 's end on what to do. I 've over communicated with both institution. My parents, who have had wonderful credit scores in the past and now my dad, are now considering bankruptcy as a solution, which for us is a last resort. I am disgusted by the arrogance and disrespect conveyed by both banks.
Consumer complaint received 2016-05-25
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: KEYCORP (NY)

When I opened my KeyBank checking account on XXXX XXXX 2016, there was a sign up bonus of XXXX for direct deposit of at least XXXX within the first 60 days as an incentive. The local branch was at XXXX XXXX XXXX, XXXX, NY XXXX. The teller verbally confirmed that the offer is available for my account and the bonus would post after I completed the direct deposit. I completed the deposit twice on XXXX XXXX and XXXX XXXX. When I emailed customer service on XXXX XXXX, I got an email stated : " no promotion code was added ''. I replied on XXXX XXXX and requested the issues to be solved but get an answer : " we are unable to add a promotion code to your account via email ''. 
The coupon code I used at the branch was : XXXX Attachments is the screenshot of the offers I received through email. 
As of today, XXXX XXXX 2016, this offer is still publicly available on KeyBank 's website : XXXX
Consumer complaint received 2015-09-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HW Holding, Inc (CO)

I am requesting verification of the validation of the electric bill statement showing proof of these charges trying to be collected. I still do not agree with owing anything as I turned off electric and water when I left and paid what was owed to the actual companies. I was informed to try to obtain and not just a statement from the apartment complex stating I owe for. I would also like to know when was the unit re rented to another tenant
Consumer complaint received 2016-03-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

Someone used my Identity to open a line with XXXX XXXX, I fought the dispute thru my Life Lock account and they contacted XXXX and after much research XXXX determined It is not my account and I had no charges. XXXX sent me an email with conf # XXXX saying they will send it to all XXXX credit companies. I am still disputing this with equifax and I do n't know if its also on XXXX. Equinox says its still showing and it wo n't go away in 2 years? they should remove it because its hurting my score.
Consumer complaint received 2016-11-03
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A. (CA)

My name is XXXX XXXX and on XX/XX/2016, a check was cashed at CITI BANK Branch. The check was dated XX/XX/2016. Some eight months ago and there was a Police Report issued to Citi Bank clearly stating that there was Identity Theft. Citi Bank ignored all Police Reports. They cashed the 8 months old check and left me with nothing. After many personal visits, phone calls and emails. The bottom line is that I will not recommend CITI to anybody. We even contacted XXXX XXXX CEO, who failed also to reply.No money was returned to my account after many requests.
Consumer complaint received 2016-07-31
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (UT)

I 've used the same AT & T Universal credit card for 15 years. Nine years ago, I was late on a couple of payments due to financial hardship caused when my ex-wife left me. As a result, the credit card company raised the interest rate to 29.99 %. I have since paid faithfully on time each month, and have patiently petitioned them to reduce my interest rate which, of course, they are unwilling to do. 

I complained to CFPB back in XX/XX/XXXX, and the credit card company temporarily reduced my rate to 21 % until XXXX. My rate is now back to 29.99 %. Today I requested a lower rate and was given the same old song and dance : " call us back in 6 months and we 'll see. '' Please help me.
Consumer complaint received 2015-09-17
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (NY)

On my XXXX/XXXX/15 Citi card statement I noticed a late fee of {$37.00} and an interest rate charge of {$0.00}. applied to my account on XXXX/XXXX/15. The statement shows a payment of {$60.00} posted on XXXX. An electronically transferred payment! The call rep said she would put in a request to rescind the late charge. She said the payment was received a 'day late '. Citi electronically transfers these funds. Why am I being charged late fees for for funds transferred by CIti? 
I thought the problem was resolved, but my XXXX/XXXX/15 statement revealed otherwise : an additional {$37.00} was ADDED. Each time they gave me a 'dunning ' call they just would n't listen to reason.
Consumer complaint received 2015-07-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (TX)

I was paying CitiMortgage via a Biweekly Advantage plan where I made a partial payment every other week. This program got cancelled. I wanted to continue to pay bi-weekly but I am being told that in order for me to do so, I must call CitiMortgage Customer Service after my second payment for the month and ask them to combine my first and second payment into one payment so that my payment status will change to paid in full and no late fees or other penalties will be assessed.