davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-15
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ATG Credit, LLC (WA)

I have medical debt that was incurred due to a car accident in XX/XX/2007. The medical providers agreed at the time to a lien, to wait until settlement with the insurance company of the person that hit me. They chose not to bill the health insurance I had at the time and the health insurance company would have rejected the claim anyhow since the treatments were accident-related. In XX/XX/XXXX, my case went to a jury trial. I partially lost the case and the medical bills now in collection as of XX/XX/XXXX were deemed to be unrelated to the accident. The medical providers broke the lien/contract by sending this to collections. They had an opportunity to bill my health insurance and did not. My attorney agrees that I should not be liable for the bills. I will pursue legal action, if necessary, but hope that you can intervene before I have to go that route.
Consumer complaint received 2016-08-03
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (MO)

To Consumer Financial Protection Bureau, I am submitting a claim related to wrongful advertisement and deceptive business practices from Citi Bank in regard to their Citigold bank account. 
In XXXX/XXXX/XXXX, I submitted an application for a Citigold bank account using promo code XXXX which I had received from Citibank. This promotion was for Citi AAdvantage Platinuum Mastercard customer, which I am. 
The promotion was set to end on XXXX/XXXX/XXXX. Knowing that the application may not be approved before the New Year, I had confirmed via phone with a CitiBank representative on XXXX/XXXX/XXXX that the application will be processed before the expiration date of the promotion, and that I qualified for the bonus offer of XXXX XXXX Advantage points upon meeting the promotion requirements : " Within 60 days, complete a purchase of {$1000.00} or more with your Citigold Debit card and perform 1 or more bill payments for 2 consecutive calendar months '' I confirmed via phone again in XXXX, at activation of my account, that I qualified for the promotion. 
In XXXX, after meeting the promotion requirements, I contacted Citibank via secured message to inquire when to expect the points to be posted on my XXXX XXXX account. XXXX XXXX XXXX, Citigold Customer Service, confirmed on XXXX XXXX XXXX that I " [ had ] completed all requirements associated with promotion code : XXXX '' and calculated that the " the bonus miles will be credited to [ my ] XXXX account by XXXX/XXXX/XXXX ''. 
Not seeing the points on my AA account by the end of XXXX, I reached again via secured message, and this time received a correspondence from XXXX XXXX XXXX that CitiBank will open a review of the promotion offer, under case number " XXXX XXXX '', despite the fact that it was confirmed previously that I qualified for this offer. 
On XXXX/XXXX/XXXX, I followed up again via secured message, and received a response from XXXX XXXX that the promotion department is experiencing delay in their investigation, asking me to allow more time to receive the results. 
As we are now two months past when the points should have been posted, I am submitting this complaint for the Consumer Financial Protection Bureau to investigate the business practice of Citbank. 
Furthermore, I am requesting Citibank to Honor the set promotion and promptly post the earned points to my AAdvantage account Waive all fees for this account from the period starting XXXX XXXX XXXX and until the points have been posted. 

Thanks! 

XXXX XXXX. 

Attachment Screen capture of application Secured message communications with Citibank employees regarding this matter
Consumer complaint received 2020-04-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (FL)

XXXX XXXX dollars was deposited into Pnc bank. The deposit was endorsed pay to the order of Pnc bank without recourse On XX/XX/2020. Pnc accepted the deposit and gave a receipt. The deposit posted to the account ( collected ) ledger balance on XXXX. The balance was not made available. It was showing on ledger but never made available. It was withdrawn out of the account without permission along with an additional {>= $XXXX}. They stole my money without permission. Closed the account and locked me out.
Consumer complaint received 2016-09-06
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (AL)

This weekend I went into Costco to look at getting the Citi Visa card I saw advertised while previously pumping gas at a Costco gas station. My main interest was the cash back the card offered. the main advertisements I saw in different places were the high percentages of " cash back '' for different purchases. After consulting a Costco associate at the customer service desk, she confirmed all the things I had seen in the advertisements about the reward, I decided to fill out the application. The application was taken via iPad mounted on the desk. Near the end of the application it asked me to confirm that I had been given the full written disclosures in writing that I could keep. Before I confirmed I asked the associate If she had planned on giving the disclosure and she replied, " Yes, I have them here to take with you if you want when you 're finished. '' I then completed the application and was approved. It was n't until later at home when reviewing the disclosures did I find out that ( on page XXXX of the brochure in much smaller font ) that the " cash back '' bonus was only given annually in XX/XX/XXXX and that it was n't issued as cash at all. Its issued as a coupon only redeemable at Costco. This has proven to be very deceptive advertising and customer service practices. Under the CFPB 's UDAAP guidelines the reasonable customer would never find out in this process the true aspects of a false " cash back '' offer. Its also to be noted that the main informational brochure has on the front page " GO BIG WITH CASH BACK REWARDS '' ... keep in mind that the words " CASH BACK '' are by far the largest font on the entire brochure. On page XXXX of the full credit card agreement it states, " Requests for cash MAY be fulfilled in the form of a check at Costco 's discretion. '' How is this in any way cash back? This is basically a coupon or gift card only to be used at Costco. It would be completely different if the advertisements stated 'Cash Equivalent Back '. As a reputational risk this could easily be viewed as predatory lending relying on customer 's relationship with Costco and the high likelihood that customers wo n't find out the true aspects of this reward program until far later causing unavoidable material financial harm.
Consumer complaint received 2017-02-28
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (IL)

I applied in branch for the Citi XXXX Card. I was informed by the banker that I would be eligible for the " in branch offer '' of XXXX Thank You points and {$350.00} annual fee, as opposed to the online offer of XXXX Thank You points and {$450.00} annual fee. For this reason, I decided to apply. Upon satisfying the sign up requirements, I noticed that my account was only credited XXXX Thank You points and my annual fee ended up being {$450.00} ( similar to the online offer ). Turns out that after a quick google search, that the in-branch offer was only available if you signed up for a checking account as well, however I was not informed this in branch. If I had known that this was the case, I would n't have applied for the card to begin with. I spoke to Citi a few months ago about my complaint, but they were unable to offer a compromise. I am still very upset about this and frankly I feel cheated - I only just found about CFPB and figured that I would document my story here so that others do n't make the same mistake that I did.
Consumer complaint received 2022-01-04
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)

Numerous and unaccounted for inquiries on my current credit reports which I have no knowledge of and have pursued this with Credit agencies without success. Could you please present me with a solution for eliminating these inquiries ( XXXX ) from my credit report. Derogatory remarks which are directly related to a worldwide disaster in which I had no choice due to a pandemic, is this how our Government treats it's citizens. Thank You XXXX XXXX
Consumer complaint received 2016-08-23
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Johnson Mark LLC (AZ)

Last year I received a summons for a credit card that is not nor ever was mine. I sent it all the information that was requested as did my wife. They are just assuming this is my debt. I do n't know how more to prove that it is not I when it seems that all Mark Johnson LLC has to do is say it is me. Anyway I sent all the documentation that was requested. I also told them that I think it could be fraud done by my estranged daughter. I NEVER received a court date to fight these allegations. The next thing I know my check has been garnished in an exorbitant amount! I do n't know what to do because it 's impossible for me to prove a negative.
Consumer complaint received 2022-12-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (MA)

In XXXX, I called my loan servicer, Edfinancial to request a refund for payments I made during the national emergency student loan payment pause, totaling {$1400.00}. Edfinancial would not give a timeline for processing of the refund, but said they would submit it to the Department of Education. I later noticed my loan balance had been increased by {$570.00}. I have not received any form of reimbursement, and my loan records show no indications of a pending refund. On XX/XX/2022, I called Edfinancial to inquire about the discrepancy in the adjusted balance. I was told that a request had been sent to the Department of Education for {$570.00}. Upon review, the agent at Edfinancial saw the mistake and said they would correct the refund request to reflect the correct amount as {$1400.00}. I clarified with the agent that they would not be requesting {$1400.00} and was assured that only the difference would be requested. On XX/XX/2022, my balance had once again increased, but by {$1400.00} on top of the initial {$570.00}. Calling on XX/XX/2022, Edfinancial has not been able to correct the situation. 

Edfinancial 's error is artificially inflating my debt, doing tangible harm negatively impacting my credit report. I'm additionally concerned that the {$570.00} increase does not reflect the actual refund of a loan, and Edfinancial has been unable to tell me how this increase is divided amongst my loans, which have varying interest rates.
Consumer complaint received 2017-01-18
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc (GA)

This email serves as an appeal for Paypal XXXX XXXX for a transaction of {$4900.00}. 
I am very disappointed in Paypal 's response and communication on the matter. I have spoken with XXXX account specialists that all said everything would be resolved within 72 hours. Case was ruled in merchants favor, even though I was clearly scammed through a merchant that is selling a faulty software that does not work and has not represented it correctly. 

In addition I have sent multiple emails and no response either. Being ignored is not appreciated by Paypal The transaction of {$4900.00} pertains to an automated futures trading software that was misrepresented and did not work with no results to back up the software. The merchant falsely submitted proof against me that paypal accepted and used to rule against my favor. After doing intense research on the transaction and the merchant I discovered the merchant fled the United States and now live in the XXXX after receiving death threats from former customers that paypal did not grant refunds for. 

In addition I was promised by a Paypal representative that Paypal would take my side on this issue. 

The attached proof shows that this merchant is clearly a scam and Paypal is not doing their job to protect the consumer. My next step in this case will be to send a legal complaint letter to Paypal. 

Other friends of mine have received refunds from XXXX. This merchant is clearly baiting and switching its clients to buying a useless and scam software. 

I have also filed a BBB claim regarding this issue, an FTC filing, and a complaint with XXXX XXXX. 

Attached is proof for my Case, and I hope to prevent any other buyers getting scammed by this merchant as he has abused the system. Also attached is an XXXX form against the merchant. 

You can reach out to me via phone or email. XXXX or XXXXXXXXXXXX. 

I will continue to pursue this case and have my money refunded, and pursue legal action if necessary.
Consumer complaint received 2015-05-29
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (WA)

I had a Chapter XXXX bankruptcy XXXX years ago. I received a loan modification with Chase and kept my house. They increased my mortgage to cover the payments I could n't make, so they are recouping every penny owed them. I noticed that they stopped reporting my on time payments for the last XXXX years to the Credit Bureaus. I 've made every payment since the loan modification on time and in full. They say I have to reopen my bankruptcy and reaffirm. I 've read up on this and that is not in my best interests and there is no legal basis for them requiring this of me. I wish to lodge a complaint against Chase for this. I was part of the huge lay off in XXXX XXXX and applied for over XXXX jobs and could not find anything for XXXX months. The banks caused this and now they continue to hurt us. Can something be done about this as it seems I am hardly alone in this. Thanks.
Consumer complaint received 2015-07-17
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (IL)

On XXXX XXXX, 2015 at around XXXX XXXX I went to deposit money into my chase account. I had given the ATM the cash and it started verifying it then it said the ATM was unavailable. I then called customer service where they said i had to file a dispute. I then got transferred and file the dispute with someone else. The gentlemen on the phone said they would give me a credit to my account while they did the investigation, that the investigation would take 10 days and i would have an answer or my money back by XXXX XXXX. On Monday XXXX XXXX i got a notification on my phone about my account being overdrawn. I logged in to check what was going on and it showed the credit had been reversed. I immediately call customer service and ask whats going on they said the investigation had ended and they found nothing. I told the guy that it was n't fair they stole my money and now i have to pay them back, and now on top of everything they 're going to charge me overdraft fees because they stole my money and wont give it back? He then stated he 'd noted on my account not to charge overdraft fees since it was n't resolved. He said i have to request the ATM footage from the bank. I do n't know how chase works, but I 've worked at another bank and they check the ATM 's every week, I do n't know how this investigation took so long. I 've never had something like this happen to me at my previous bank. On XXXX XXXX XXXX i called the chase bank located on XXXX, i told the man who answered what was going on, i gave him my information ( Debit card that was used to make deposit at atm, date and time the issue occurred, how much the deposit was for and a call back number ) he said he would call me back by the end of business day. Never called me back. XXXX XXXX I called the customer service number for FDIC they said i should file this complaint. Now i called the bank one more time, today XXXX XXXX at XXXX XXXX, they gave me a number to call and request the footage from that number, it was just chase customer service, the person i then spoke to said i need to file a police report so the police can obtain the footage. I called the police and i now have to go in and file a report. When i summarized what was going on, the police officer i spoke to sounded surprised chase would n't give me the footage. I 've always heard great things from chase and that 's why i opened an account there, i was planning on taking my 401k there after the XXXX month. I 'm glad i did n't do it right away.
Consumer complaint received 2017-01-04
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: SLM CORPORATION (TX)

I applied for student loan forgiveness on the form sent to me for such purpose by Sallie Mae. 
I sent the completed application to the proper address per the instructions given by Sallie Mae for XXXX unemployable veterans because of a XXXX service connected XXXX. Sallie Mae 's instructions for XXXX veterans that came with the form state that no physician 's statement is necessary to be completed in the case of service connected XXXX veterans. However, the only part of the application that I did not send to Sallie Mae via certified mail was a physician 's statement. I completed every line of the application other than the physician 's statement. Sallie Mae wrote back in response to my application that it could not review my application at this time because my application was incomplete. My first payment is due in four days which is not enough time to resubmit another application no different than the one I have already submitted. Please help me.
Consumer complaint received 2021-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (GA)

To whom this may concern, Navient is reporting inaccurate information on my credit report. They have reported that I was late making my student loan payments during the timeframe that I was in forbearance on XXXX occasions. Navient lists my account as 90 days late in XXXX of XXXX and 120 days late in XX/XX/XXXX on my XXXX credit report. However, during that same time period, I was reported as " on time '' on my XXXX and XXXX credit report during that same timeframe. In XX/XX/XXXX, they also reported my credit report as 90 days late, which is also inaccurate. If I was 90 days late, in XX/XX/XXXX, why was XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX marked as " paid on time '' on my credit reports?! Furthermore, the account number listed on my XXXX credit report is not correct ; my correct account number per the Navient online portal is XXXX. The account numbers listed on my XXXX credit report begin with " XXXX '' and XXXX '', but was verified as " accurate '' when I disputed with the credit bureaus. These accounts do not belong to me and need to be COMPLETELY removed from my XXXX credit report. Per the FCRA, Navient is required to report complete and accurate information on my credit reports. I previously disputed these accounts with the credit bureaus and reached out to the student loan Ombudsman, and this issue has still not been resolved. I am aware that there is a current lawsuit against Navient filed by the CFPB and several attorney generals for unfair and unjust student loan servicing practices ; I am a victim of those corrupt practices, which has damaged my credit rating and caused severe emotional distress. 

I am attaching a copy of all three of my credit reports, a copy of the complete Department of Education Student Loan Data System report that proves that I was in forbearance as during the time that I was reported late, as well as my email that was previously sent to the Ombudsman requesting that these issues be corrected. I am hoping that the Consumer Financial Protection Bureau can help me resolve this matter.
Consumer complaint received 2016-06-17
Product: Debt collection — Payday loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (OH)

XXXX from XXXX called my place of employment around XXXX eastern standard time about a debt. He asked to verify myself and I did. In the mist of him talking I let him know that I can not receive personal phone calls unless it 's an emergency and to call my cell phone. He began to yell at me and tell me I have been ignoring him and he has called my cell phone. Due to his tone I hung up the phone. At XXXX he called my cell phone, he asked to verify my information again which I did to proceed with the call. He explained the reason for the call, and asked me what happened? I asked him for his name 6 six times and he again began to raise his voice and told me I would n't let him speak, if I could be quiet for two seconds so he can give me his name. He gave me his name and tell me the reason for the call. He wanted to settle the payment owed to Ace Cash Express. I asked him the company sent me letter to my home address, and again he began to raise his tone because he could not answer my question. He then yelled at me and told me he is terminating my case because I 'm willing to pay. I called back and asked to file a compliant against him. I spoke with XXXX and he stated he will review the call and handle the situation.
Consumer complaint received 2017-01-29
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Texas Guaranteed (ND)

I recently learned that Texas Guaranteed Student Loan Corp. was reporting that I allegedly owe them a debt. I mailed notice disputing the alleged debt. I sought numerous, very specific documents that would substantiate TG 's claim that I owed them any debt. I am attaching a scanned copy of the request, the credit report, along with all other pertinent documents. 
In reply, I received from TG : " a True and exact copy of the original '' alleged note which shows TG as the Guarantor or lender. TG also provided an alleged account summary claiming the original lender was XXXX for XXXX. TG has been reporting in my credit report that this alleged debt originated with XXXX. 
I disputed the debt with TG and in response TG stated they verified the alleged debt by providing me with the fraudulent documents I described above.
Consumer complaint received 2017-03-10
Product: Credit card — 
Issue: Other — 
Company: Synovus Bank (MO)

XXXX XXXX, Missouri Re : Balance Incorrect on First Progress Credit Card On my Credit Reports with the XXXX agencies, First Progress is showing I owe Then {$470.00}. That amount is incorrect I owe them nothing. This was an Unsecured Credit Card with my Deposit of Cash for {$300.00} for a {$300.00} Credit Line. 

I asked for them to Close the Account because I do n't Trust Them. 

I want to correct information sent to the XXXX Reporting Agencies that I Owe them nothing and the Account Closed with No Balance Owed. 

XXXX