davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-25
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

I AM SO FURIOUS WITH BLOOMINGDALES CREDIT CARD. MY BLOOMINGDALES CREDIT CARD LIMIT WAS XXXX AND DURING THE PAST 6 MONTHS OF USING MY CREDIT CARD RESPONSIBLY AND PAYING MORE THEN MINIMUM PAYMENT REQUIREMENTS, BEING SUCH A GOOD CUSTOMER CLOSED MY ACCOUNT FOR NO REASON, AND ALSO HURT MY CREDIT SCORE FOR THE CLOSURE OF THE ACCOUNT. I HAVE PAID OVER 2000 $ IN CREDIT CARD PAYMENTS THROUGHOUT THE 6 MONTHS IN WHICH MY ACCOUNT WAS OPENED, MULTIPLE PAYMENTS IN A MONTH, USING AND PAYING RESPONSIBILY. SO UNFAIR THAT THEY CLOSED MY CREDIT CARD BEING A GOOD CUSTOMER, PEOPLE STOP PAYING THEIR CREDIT CARDS FOR 4 5 MONTHS AND THEY DONT CLOSE THEIR ACCOUNT, YET I HAVE BEEN A GOOD CUSTOMER PAYING MULTIPLE PAYMENTS IN A MONTH AND USING RESPONSIBILY THEY CLOSED MY ACCOUNT AFTER HAVING A GOOD HISTORY WITH THEM. AND THEY DONT GIVE A LEGITIMATE REASON AS TO WHY I DESERVE TO HAVE THE ACCOUNT CLOSED, WHEN I HAVE BEEN SUCH A GOOD CUSTOMER.
Consumer complaint received 2020-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (CA)

I AM SO FURIOUS WITH DISCOVER AND XXXX CREDIT CARD. DISCOVER CARD CLOSED MY ACCOUNT WITHOUT EVEN ME BEING ABLE TO USE THE CREDIT CARD, DUE TO A " BUSINESS DECISION '' THAT WAS MADE BECAUSE THEY WERE NOT ABLE TO VERIFY MY IDENTITY. I GAVE THEM ALL NECESSARY DOCUMENTS INCLUDING MY TAXES, DRIVER LICENSE, AND SOCIAL SECURITY CARD. NOT ONLY DID THE CLOSURE OF THE ACCOUNT HURT MY CREDIT, IT PUT MY OTHER CREDIT CARDS IN DANGER AND XXXX ALSO CLOSED MY CREDIT CARD. MY XXXX CREDIT CARD LIMIT WAS XXXX AND DURING THE PAST 6 MONTHS OF USING MY CREDIT CARD RESPONSIBLY AND PAYING MORE THEN MINIMUM PAYMENT REQUIREMENTS, BEING SUCH A GOOD CUSTOMER CLOSED MY ACCOUNT FOR NO REASON, AND ALSO HURT MY CREDIT SCORE FOR THE CLOSURE OF THE ACCOUNT. i HAVE PAID OVER XXXX $ IN CREDIT CARD PAYMENTS THROUGHOUT THE 6 MONTHS IN WHICH MY ACCOUNT WAS OPENED, MULTIPLE PAYMENTS IN A MONTH, USING AND PAYING RESPONSIBILY. SO UNFAIR THAT THEY CLOSED MY CREDIT CARD BEING A GOOD CUSTOMER, PEOPLE STOP PAYING THEIR CREDIT CARDS FOR 4 5 MONTHS AND THEY DONT CLOSE THEIR ACCOUNT, YET I HAVE BEEN A GOOD CUSTOMER PAYING MULTIPLE PAYMENTS IN A MONTH AND USING RESPONSIBILY THEY CLOSED MY ACCOUNT AFTER HAVING A GOOD HISTORY WITH THEM. AND THEY DONT GIVE A LEGITIMATE REASON AS TO WHY I DESERVE TO HAVE THE ACCOUNT CLOSED, WHEN I HAVE BEEN SUCH A GOOD CUSTOMER. I AM DISAPPOINTED IN BOTH CREDIT CARD ACCOUNTS. DISCOVER DIDNT EVEN GIVE ME A CHANCE TO USE MY CARD CLOSED IT DUE TO VERIFICATION, WHEN THEY HAD ALL NECESSARY INFORMATION TO PROVE THAT I AM THE PERSON APPLYING FOR THE CREDIT CARD WITH A VALID DRIVER LICENSE, SOCIAL SECURITY CARD AND THE IRS VERIFICATION 4506 FORM.
Consumer complaint received 2020-05-09
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica (MI)

I have called to report the situation. Got the service request number filled sent back all papers to request refund of almost 100 from online purchases thro XXXX I didn't approve off of my social security direct Express card and at XXXX a month I cant afford to loose anything now I'm disconnected when I call 6o get answers
Consumer complaint received 2021-03-28
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 (WA)

PayPal has froze my account that I have with them and it has {$5400.00} in it. They will not give a specific reason for freezing my account. Now they want to hold my money for 180 days.
Consumer complaint received 2018-06-08
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (PA)

Last year I purchased exercise equipment from Sears. The salesman told me that I would get 6 month of interest free if I applied for a Sears credit card and used it for the purchase, so I did. I paid the credit card off in full within six months but I was still charged interest. This year I purchased tools from Sears and the Salesman said I could get the same offer ( 6 months interest free ) if I used my Sears credit card. Both purchases met the dollar requirement to receive this offer. I am currently being charged 26.74 % interest on the tools I purchased. I called the number on my statement ( XXXX ) and spoke with a Citi Bank Mastercard representative. She told me that they don't have that promotion and there was nothing she could do. I would consider this a UDAAP violation.
Consumer complaint received 2018-02-08
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (CA)

I called Navient in XX/XX/XXXX in regards to my private loans still being reported to the credit bureaus as " charged off '' I am currently in a payment plan through Navients third party where I pay {$300.00} every month on private loans XXXX & XXXX and I'm current, however, they continue to add on late fees and report that this is a collection account. When I asked the representative at Navient to please stop reporting, he said it is within the contract that they can continue to report it as a charge off every month until the account is paid in full regardless if I'm making payments. I asked for him to send a copy of the agreement and I never received it. Proof of payments Recent Payments Date Amount Status Coming From Show more information XX/XX/XXXX {$300.00} Received Payment was received -- Show more information XX/XX/XXXX {$300.00} Received Payment was received -- Show more information XX/XX/XXXX {$300.00} Received Payment was received -- Show more information XX/XX/XXXX {$300.00} Received Payment was received -- Show more information XX/XX/XXXX {$300.00} Received Company reporting : XXXX Tuition Answer XX/XX/XXXX {$390.00} Payment Due Alert PAST DUE XX/XX/XXXX {$25000.00} You may have been charged a late fee. 
Show more information XXXX Tuition Answer XX/XX/XXXX {$420.00} Payment Due Alert PAST DUE XX/XX/XXXX {$31000.00} You may have been charged a late fee. 
Show more information XXXX Tuition Answer XX/XX/XXXX {$330.00} Payment Due Alert PAST DUE XX/XX/XXXX {$9000.00} You may have been charged a late fee.
Consumer complaint received 2020-06-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (TX)

I received " BASIC FORMATTED SECURE STATEMENT REPLY EMAIL TODAY ( XX/XX/XXXX ), TELLING ME THAT CITIBANK RECEIVED MY COMPLAINT { XXXX }, BUT " THERE WAS NO FURTHER INSTRUCTIONS / ACTIONS CAN I TAKE '' FROM MY DIRECT PHONE CALL ( XXXX ) TO CITIBANK XX/XX/2020. 

My problem with CITIBANK, is that I live in XXXX XXXX, TX and I am NOT CAPABLE OF not going to CITIBANK. I had to Mail-In a company check from XXXX XXXX XXXX when they closed my account ( {$740.00} - XX/XX/2020 ). [ through USPS ] I put in the SIGNED CHECK from XXXX  with my CITIBANK SAVINGS ACCOUNT NUMBER, ( WITH THE CHECK MADE OUT TO ME ), and " FOR DEPOSIT ONLY '', in a envelope that XXXX  provided me ; to THE MAIL-IN ADDRESS ASSOCIATED with TEXAS, [ Citibank, XXXX XXXX XXXX, XXXX XXXX, MO XXXX ] from the Citibank web-page Mail-In address. 

Since being a 1st time Citibank customer, I am UNABLE TO " ( COMMUNICATE CORRECTLY ) * WITH CITIBANK. ( either through Phone or Email ). 
On my CITI Accelerated Savings Account ( that I opened XX/XX/2020 ), I still got notified through automated phone service that I currently have {$0.00} balance as of XX/XX/2020. 


I COMPREHEND THAT CITIBANK KNOWS HOW TO CONTACT ME THROUGH MY EMAIL THAT I PROVIDED TO THEM WHEN I OPENED MY SAVINGS ACCOUNT IN XX/XX/2020, BECAUSE XX/XX/2020 ; I RECEIVED EMAIL FROM Citibank - Service XXXX, INFORMING ME THAT MY " APR '' ON CITI SAVINGS ACCOUNT DROPPED FROM 1.35 % TO 1.20 % .. 
I did access my Citi savings account from my apartment, approx 1 1/2 week ago and went to updated my Preferred Settings, so I just SELECTED EMAIL ME WHEN DEPOSIT HAS BEEN PROCESSED BY CITIBANK and CREDITED TO MY SAVINGS ACCOUNT. 

Since I just asked Post Office worker if I had correct postage on XX/XX/2020, to arriving correctly at Citibank, I DID NOT PAY MORE FOR CERTIFIED MAIL / RETURN RECEIPT. 
NOW, I don't " KNOW HOW I CAN RECOVER '' that check amount {$740.00}, that never arrived in my Citibank Savings Account., BECAUSE CITIBANK REFUSES " NOW '' TO HELP ME RESEARCH THIS PROBLEM and FIND OUT WHERE MY MONEY IS. 
( Customer Service just keeps on forwarding my calls to another representative, until the phone call hangs up from Citibank )
Consumer complaint received 2020-06-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (TX)

A debt collector called ERC has claimed that I owe a debt of {$68.00} from XXXX XXXX XXXX XXXX. This account was closed and the amount was charged off. I have asked for documentation to be provided from the original creditor about why I still owe this debt and none has been provided.
Consumer complaint received 2018-06-08
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. (LA)

The credit bureaus, XXXX, Equifax and XXXX wrongfully removed two accounts from my credit profile which was paid in full and closed. This particular account ( XXXX XXXX XXXX ).

When these accounts were removed, it also removed eight ( 8 ) years of credit history from my account which has drastically affected my credit score. These accounts were on my credit reports, I have the full reports in my possession in which I can provide if necessary.

I did not receive any notification that these accounts were being removed which is a violation of my consumer rights.
Consumer complaint received 2018-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (OH)

I was informed of a " 60 days late '' message on my credit report by the bank i had applied with for a home loan. The message appeared at least 39 times. The wrong report was from XXXX XXXX department store. The bank ( XXXX XXXX ) said this was adversely affecting my credit. 
I had filed for bankruptcy in XXXX, it was discharged in XX/XX/XXXX. XXXX 's was included in this bankruptcy. However, despite the discharge they have continued to report me as late many times.
Consumer complaint received 2020-10-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (GA)

I received collection letter on XX/XX/2020. 
I sent the Debt Collection Validation Request letter back on XX/XX/2020 which is within the 30 days response time frame. 
I did not receive any response from MRS BPO , LLC They are trying to collect the debt that is not mine. I do not owe this debt. 
I asked them via letter to provide me with the evidences that the debt is mine, but I did not receive anything back. 
And now, collection is appeared on my credit report and my almost perfect score was damaged by wrongfully claimed debt of mine. Amount is only {$94.00} but I do not owe them anything. 
Because of this false attempt of collecting debt is hurting my credit score.
Consumer complaint received 2018-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (AZ)

I have had phone conversations and exchanged e-mail trying to resolve.  Chase refunded a credit balance in my account that amounted to $XXXX on XX/XX/18.  This credit showed up the same day I made a $XXXX  payment on the account.  The problem is that I was not contacted, the check was sent regular mail and they said it's because of the length of time the credit balance was reflected.  Note that the credit balance on the account, if any, fluctuates monthly so can't see how that might be but perhaps it's a regulation they have to live with.  In any event, why would they send me a check one day and on the same day I made a payment?  I'm now out the $'s as I have no access to the funds.  Have no idea when the funds will get here and they said something about a wire but that was like a week after stop payment on the check is issued.  The have taken control of my $'s, made no mention of it to me and are holding my $'s.  I believe the account would require me to pay 18% interest on  more so would expect that interest paid to me along with immediate access to the $XXXX.
Consumer complaint received 2021-04-23
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

Some time ago I sent a letter regarding inaccurate and unknown things on my credit report.. To this day, well over two months later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 60+ days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for a litigation due to stress you caused me. Due to my stay at home I found that my information was also impacted by Equifax data breach and may have gotten into the wrong person hands. I used this link below.

Equifax Breach Inquiry XXXX XXXX XXXX : XXXX
Consumer complaint received 2020-10-10
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. (LA)

I purchased tickets for the XXXX XXXX in XXXX for a show that was supposed to be held in XXXX. Due to the pandemic, the show did not happen, and they are refusing to refund tickets purchased. I purchased several other tickets for other events and they generously refunded all money, and I'm uncertain why this " business '' wont do the same. How can you steal from people, and not offer them the opportunity to decide what they want to do with their money? The matter in which this situation has not been handled is very unprofessional with them failing to respond to my calls and emails. It should not be their decision to decide for me to attend the circus if they ever reschedule, nor should they make me wait for a refund until they decide to do so. With this pandemic, I would not even feel comfortable being apart of this, and it's uncertain if anything with a large crowd will ever happen anytime soon. To be forced to wait until they figure it out is absurd and unethical, and I only want my money back. It definitely should not be a hassle or an issue in doing so. I also ran into an issue with my bank. I filed a claim through them and the money was refunded, or so I thought. Until I saw on yesterday, XX/XX/2020, that the claim was reversed. When I inquired about this to the claim department with Chase, they said it was over the 120 day time frame. I asked why would I be able to file a claim if that was the case, and why was this not told to me when the claim was filed in XXXX? They did not have an answer. They just apologized and reiterated that it would not be refunded and to contact the merchant. The merchant was the first to be contacted and they are not issuing responses at all about this. I just want my money back and it should not be this hassle with my bank or the merchant in doing so. Please advise. Thanks in advance.
Consumer complaint received 2019-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

I am a victim of the XX/XX/XXXX Equifax data breach and I have tried to call Equifax to speak with someone about a disputed item on my credit report to no avail, every time I call they transfer the call to someone who can't speak English, so I can't understand what he/she is saying, thus can't repair the issue.  My latest attempted contact was Saturday XX/XX/XXXX and I spoke with three different people and when I ask to be transferred to the supervisor, (in the United States, who can speak english), I was put on hold, eventually the phone hung up after 30 minutes or so of waiting online.  I have an unsecured loan account with XXXX XXXX XXXX XXXX that is no longer open (paid off), and it is still reporting on Equifax as owing XXXX, but it was paid off a couple of months ago and is closed.  I have tried to correct it with XXXX XXXX XXXX XXXX as well as Equifax Credit bureau, to no avail.  ON the credit bureau report it list the account as being open, current, and $XXXX due each month, with a high balance of XXXX, of a unsecured Loan. The account number is XXXX, paid off in XXXX or XXXX, XXXX, it doesn't help the credit score saying that I still owe on that loan.  There has been no recent update reporting as of XX/XX/XXXX.  If Equifax wants to help people, it needs to have reps who can speak English, since it is an American Company, in the call centers.
Consumer complaint received 2018-02-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (NY)

ON XX/XX/XXXX I MADE AN ADVANCED 1 MONTH PAYMENT FOR MY MORTGAGE TO GO BI-WEEKLY. TRANSACTION # XXXX  TEL ID# XXXX IN THE AMOUNT OF $XXXX. SINCE XX/XX/XXXX I HAVE BEEN RECEIVEING THREATENING LETTERS AND PHONE CALLS FROM PNC BANK THAT I HAVE BEEN DELINQUENT 1 MONTH BECAUSE THEY NEVER RECIEVED THE PAYMENT IN QUESTION. I HAVE COMMUNICATED AND FAXED OVER MY BANK STATEMENTS SHOWING PROOF OF THE PAYMENT WITH THE TRANSACTION NUMBER AND NOW IN XX/XX/XXXX THE HARRASSMENT AND LETTERS HAS NOT STOPPED. PNC BANK IS UNWILLING TO FIX THEIR MISTAKE THEY ARE CAUSING MY FAMILY AND MYSELF UNDUE STRESS THAT I MUST CONTACT YOU FOR HELP.THANK YOUXXXX XXXX (XXXX)-XXXX
Consumer complaint received 2020-06-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

Condensed, I had been trying to get my ( as my Husband passed away in XXXX ) loan modified. There were extenuating circumstances, which I have binders full of correspondence from XXXX our Servicer in XXXX, to no avail. We were offered trial periods which were awesome, however after the 2 years the payment increased to more than we were paying upon attempting the modification. My husband was nearing retirement and I was displaced by the Mortgage meltdown of XXXX. I was told they did not care about our aging status, or health issues. During this time our Loan was sold to now Servicer, Mr Cooper aka Nationstar. I personally have gone through XXXX, two Brokers, myself, and another/current Gentleman to no avail. About 5 years ago I was " forced to accept '' a modification in order to remain in my property and the payment for the next 30 years will beyond affordability, as I am a retired Widow now, for the past 7 years, struggling to make my payment. Our arrearages during that period were added to my loan balance, in a time where everyone was being given modification and no increase in the balance, here I sit. My payment is beyond affordable, and takes most of my income, from my deceased husbands retirement, etc. All I want is my balance lowered to what it was prior to the added arrearages and an affordable payment. But, I was told they didn't care about my reasons, aging, retirement and a predatory loan. I was told because we did not accept the first modification offered to us by XXXX, we would not be considered for lower anything. My husband is now gone, which I told them, was inevitable, and I am alone to struggle until I am gone. I just want help and understanding, which I wait patiently for, as they keep tell the Gentleman working on my loan " we have this new program available ', or that program, but nothing changes for me. Contacting you was recommended by a friend, and I pray this is due to Gods direction and I will finally get relief, that will allow me to continue to stay in my home that is in need of repair, and I have no disposable income to take care of them. I appreciated your understanding and consideration. Although, this is a condensed version, as I mentioned I have notebooks of correspondence over the last 12 years with the Servicers. I did not find out that XXXX XXXX was my Investor until my interaction with XXXX, and they did not help me, as XXXX XXXX, did not respond in any way, shape or form to my dilemma or resolution. We filed BK in XXXX a Chapter XXXX which was discharged in XX/XX/XXXX, however, my statements continue to come over ad " Voluntary '' payment (? ) almost 9 years ago.
Consumer complaint received 2020-06-25
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. (TX)

FTC Violations XXXX XXXX  Inquiry : 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 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
Consumer complaint received 2022-10-04
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. (GA)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX XXXX reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : XXXX & XXXX ACCOUNTS XXXX 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 an account without my written instructions.
Consumer complaint received 2020-06-25
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: EQUIFAX, INC. (TX)

Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 120-180 ) days past due on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.