davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I requested to have my Citizens Checking account closed. 

I visited Citizens Bank on Tuesday 2024, XX/XX/XXXX located : Citizens Bank ( XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX, MA XXXX The teller I spoke with on Tuesday 2024, XX/XX/XXXX at approx XXXX name was XXXX . 

Upon requesting to have my account closed the teller named XXXX asked I insert my debit card into card reader to process the closing of my account. The card reader prompted me for a pin. 

I expressed to teller named XXXX I do not have a pin, thats why I wanted to close account because of too much difficulty with online banking, and not being able to create a pin. 

The teller named XXXX expressed you must have a pin, and you have no money in the account. 

XXXX stated before I can close account I need to ask you some questions : What brings you to XXXX, MA? 
I find you suspicious and sketchy your license is XXXX, MA that is more than 300 miles away? 

I felt the teller named XXXX was being prejudiced towards me and being discriminatory, so I turned on the camera of my phone. 

The teller named XXXX then threatened to call the Police on me because I had activated the camera on my phone and demanded I show her my phone to see that the filming is off. 

I was horrified by the experience and treatment. I was interrogated and profiled by the Citizens Bank teller named XXXX XXXX according to her business card that I had requested to file this complaint and incident. 

When I opened the account at this location five days ago the Citizens Bank teller named XXXX stated she could not fund the account with any money, nor provide me with a routing number because of technical difficulties. 

With all the technical difficulties and fees associated with account I decided Citizens Bank is simply not for me. 

The Citizens Bank teller named XXXX would not provide me any documentation of closing the account. 

The reason I wanted to open a new account was I now reside in XXXX, Mass. 

I was profiled, threatened and treated badly by the Citizens Bank teller named XXXX. 

If Citizens Bank could not open an account for banking properly in the first place, thats not my fault that is directly the banks issues not the customers. I was treated unfairly and badly. 

The only thing sketchy is the fact I couldnt open an account with Citizens Bank property. Thats why I decided after not being able to process banking properly I decided not to have an account with Citizens Bank. 

I also want to add I was told by the Citizens Bank teller named XXXX whom opened the account that because the account could not be opened properly, the account would close in three days but that didnt happen, I was told I would have to come in. 

I felt assaulted, shameful service. Close the account. The Citizens Bank banking process is sketchy and thats why I requested to have the account closed that was never activated properly with no pin or money.
Consumer complaint received 2024-02-28
Product: Vehicle loan or lease — Lease
Issue: Repossession — Company explaining amount owed
Company: SANTANDER HOLDINGS USA, INC. (MS)

SANTANDER CONSUMER USA XXXX says i owe them for a car i believe it says on my credit report but i have never owned a car from them. I asked for a debt validation but i have not received it from them yet and this is hurting my credit score.
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. (GA)

On several occasions I have submitted documentation including FTC identity theft form, police report and written dispute in reference to a fraudulent XXXX XXXX account reporting on my credit file. Every dispute has resulted in XXXX and Equifax responding the account was verified. However, on XX/XX/2020, I submitted a complaint to XXXX XXXX in reference to the fraudulent account and attached the same documents I have previously submitted to both bureaus above. XXXX responded that my dispute was the first time they were notified this was a fraudulent account. How could this be????? I have submitted the same documents to the bureaus above and they claim, the account was verified?! This is ridiculous that XXXX  and Equifax and blatantly not investigating fraudulent accounts and further intensifying the effects of identity theft on consumers! Now, I have to wait another 90 days for XXXX to investigate before they will be able to dismiss this debt as fraudulent. As of now, this fraudulent account is continuing to cause undue damage my credit profile as a result of the above credit bureaus not verifying, validating and accurately disputing this debt with the creditor! I am in the process of filing formal complaints with the XXXX XXXX XXXX, CEO 's of both bureaus and Attorney General as well until this erroneous deed is rectified.
Consumer complaint received 2024-02-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: SANTANDER HOLDINGS USA, INC. (FL)

The company Santander keeps harassing me for a vehicle I turned in in XXXX for unfair business practices. they were raising the balance and keeping it the same price for over a year. The company XXXX  XXXX XXXX hid the percentage till I signed the contract claiming they were helping me out, but screwing me with a 29 % interest rate. I was paying on time and more in the beginning but the balance didn't change. Which was stressful throughout the years, I voluntarily returned the vehicle to the company, which sold it for {$4000.00}, and still tried to charge me {$10000.00} after I had made over {$8500.00} in payments during the time I had the car. That's why I thought it was unfair, late payment or not the balance shouldn't be the same from the beginning. I think and feel this business practice should be illegal as a form of oppression in keeping innocent citizen who wants to fix their credit in debt. I will see through my paperwork if I still have the original contract, back in XXXX to show how much I paid initially but none of it was applied to the debt. Which was the first sign of fraud to me. I would like someone to investigate every company that was involved, and how many customers suffered the same problems with these three companies. 


My XXXX XXXX XXXX # XXXX The company is Santander Consumer USA and the Debt collector who revived the case is XXXX XXXX XXXX. 
XXXX the company that initializes this loan XXXX XXXXXXXX XXXX and the Car initial Price was {$13000.00}
Consumer complaint received 2024-02-28
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC. (CA)

Santander Consumer is showing a balance under a charged off account on my credit report. The vehicle was paid by insurance as a salvaged vehicle included in an accident in 2016. According to 15 U.S Code 1601 the company should have this balance removed and/or reflect in XXXX balance.
Consumer complaint received 2020-10-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-27
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on account under an open end consumer credit plan go late for any purpose.
Consumer complaint received 2024-02-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: ADP Inc. (OR)

On XX/XX/21 ADP debited my business checking account for {$9000.00} and {$8900.00} for payroll taxes. Only the {$8900.00} was authorized. The {$9000.00} was not authorized and has not been refunded.
Consumer complaint received 2024-02-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (IL)

On today XXXX I texted Goldman Sachs. Spoke with well texted with a rep.for a long time they never answered any of my question. I told them and a supervisor at least 5 times or more that a previous rep told me from Goldman Sachs once my monthly pmt was made any other pmts made would be applied to my balance. I watched my XXXX XXXX  card balance remain the same for days. My payment was misapplied to my monthly pmt which has already been paid. Talked to a supervisor who would not allow me to speak to someone with authority and I was put out on hold a long long time I was hung up on so to speak The supervisor stated my monthly pmt may be lower but couldnt tell me if it was or not couldnt or wouldnt I had to press for answers on everything g with the supervisor and the rep thats how I found out my pmt was misapplied Please help and apply my pmt correctly
Consumer complaint received 2024-02-26
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (NV)

Pro Collect Collections ACCOUNT NUMBER XXXX HIGHEST BALANCE {$170.00} CREDITOR INFO PRO COLLECT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX BALANCE {$170.00} LAST REPORTED XX/XX/year> ORIGINAL CREDITOR XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-02-26
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelnet, Inc. (WA)

Original problem ( still exists ) : Nelnet keeps sending me emails saying that I owe {$0.00} and now days after that they're saying that I'm past due and owe a large sum of money. They also have not put me on the SAVE repayment plan that I enrolled in at the US Department of Education 's website months ago. I have copies of the emails showing that they said that I owed " {$0.00} '' up until a few days ago. Additionally, they don't offer any options for a forbearance while we figure this out. Please help me get a new servicer or get this fixed.

Update : They responded to the last complaint that I filed with you with general account information instead of answers.

They refuse to respond to my emails for months except with general information. They are refusing to answer questions and offer solutions.
Consumer complaint received 2024-02-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc. (WA)

When I first called for assistance, as I am now XXXX and can not work, Mr. Cooper agent advised me to sell my house and take the equity, I was then told I would not qualify for assistance because I have only been in my home XXXX year. I explained I purchased the house when I was not ill and I had gotten very ill at work. I filled out the application she sent me, as she told me I could apply but probably would be denied. 

I have sent in the requested proof of XXXX and proof of what I was receiving as income XXXX times and I keep getting the same email from Mr. Cooper ; " you need to submitt additional documentation '' when I look on line they are still asking for proof of income. 

I called today and my dedicated loan officer would not answer the phone ( XXXX XXXX ) but I was able to talk to someone else who advised the documents I sent in were very specific and not sure why they are asking for me for more but advised to try sending a bank statement. I asked to speak to XXXX and the agent said she was free, and would send her a message to call me so I can find out what is wrong. 

I am completely without funds as of last Friday as my paid family leave has run out. I asked for modification back in XXXX and keep being told I have to wait until I am behind. 

Mr Cooper overs a lower interest rate, and if I had gotten that I would have enough funds to pay for next month. My payment is XXXX each month at 7.1 %. 

Please help me keep my house
Consumer complaint received 2024-02-26
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: GOLDMAN SACHS BANK USA (MT)

I paid the remainder balance and keep getting phone calls telling me there are more fraudulent charges so I have to go through their process where they issue me a new card which ends up with more fraudulent charges And they say the account will get closed but I just have to go through this process but the card/account never gets closed down and the card just gets more fraudulent charges. After I paid the balance on XX/XX/year> and did there process over the phone with their specialist to get card closed theres now fraudulent charges amounting to like {$2000.00}. Im at my Witts end I cant get the account closed talking to them I just get more fraudulent charges and new cards issued to me. Help please!
Consumer complaint received 2024-02-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SECURITY FINANCE CORP (TX)

LOOKING OVER MY CREDIT REPORT I SEE THAT THERE ARE ITEMS THAT DO NOT BELONG TO ME. 
SECURITY FINANCE {$390.00}, NO ACCOUNT NUMBER GIVEN OPENED XX/XX/year> Please note that this is not a refusal to pay off the account, but a notice sent as per the Fair Debt Collection Practices Act, XXXX XXXX XXXX XXXX. XXXX ( b ). The notice states that your claim is disputed, and validation of the account is required. This notice is not a request for verification of the account or proof of my mailing address, but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency/office sends me valid proof that I am legally obligated to pay you. 
Please provide me with the below mentioned things : * The amount you claim I owe you *Explain and show me how you have computed the amount *Send me the copies of any documents that prove I agreed to pay the alleged amount *Identify the original creditor *Confirm that the account has not crossed the XXXX period *Prove that XXXX a licensed debt collector *Show me your license numbers and registered agent.
Consumer complaint received 2020-06-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (UT)

This is a follow up to complaint filed XXXX. I submitted a claim for wind damage on the property that I thought was on the covered by the loan in question. The loan was denied because the insurance company which was provided by Shell Point Mtg Servicing covered a different property. I have tried to get an original copy of my loan documents several time since XX/XX/XXXX and the last time was XX/XX/XXXX. 

Now I don't know exactly what property this loan is on. I am becoming more concerned as time goes on because all I get is the run-a-round from Shell Point Mtg on any question. They can not tell me what property they are holding mortgage on. 

Thank you
Consumer complaint received 2024-02-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. BANCORP (MN)

About a year ago the collection agency XXXX XXXX XXXX XXXX started trying to collect a debt that I settled. 
I explained that it was settled about 5 years ago. I now have a complaint summons from them, that they have started a lawsuit. I consider this harrasment and should be delt with as illegal activity by them. Not only are they violating the statue of limitation on debt they have not shown me proof of any title or assignment. They last time I paid to this card was more than 7 years ago before I started the settlement. I have seen that they have been reported to you many times for the same activity.
Consumer complaint received 2024-02-26
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

I submitted a claim with Chase reserve credit card for trip interruption benefit on XX/XX/XXXX. I left my trip early because my father was having XXXX XXXX XXXX and XXXX XXXX XXXX. Ive called Chase representatives multiple times for updates, with no help or clarity. Finally, on XX/XX/XXXX, I was able to speak to a claim examiner, and after answering all her questions, and being told I have all required documents, my claim was going to be approved. The examiner gave me a rough estimate of what Ill get back. I was told I would receive a secured email link in 2 business days. On XX/XX/XXXX I reached out to the claim examiner via email bc I havent received anything. She responded XX/XX/XXXX stating I will check your claim and docs as I believe we do have everything needed. I will email you with an update. On XX/XX/XXXX I emailed her for an update but havent heard back. Presently, Chase states they dont have any documentation of my call with the examiner, but I have emails of our correspondence. Ive called Chase reserve countless times to get my claim resolved, and asked what other documents are required so I can help them do their job. They kept stating my claim was getting escalated given submitted all their required documents.
Consumer complaint received 2024-02-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (VA)

I had a regular payment due on XX/XX/year> on my Apple Card, issued from Goldman Sachs. The amount of the payment was pre-set at XXXX, 'to minimize interest charges. ' Before the payment was processed, I went into the Wallet app and adjusted the payment amount to be {$200.00}, because I have a tuition payment coming up. I agreed to the interest charges, and authorized the charge through the app with my bank. On the XXXX, the Apple Wallet app processed my {$200.00} payment, and then a few minutes later processed a completely unauthorized second charge for {$340.00}! 

I immediately contacted Apple Support and texted with an agent who assured me the charge would be cancelled and to give it time to reflect in my transactions list. I agreed to that. Then, on Monday ( XX/XX/year> ) I noticed that the charge not only hadn't been cancelled but was now pending payment with my bank. I started another support ticket and was told that they have submitted an 'inquiry ' and have to 'investigate ' this claim and that they will email me with a 'communication about their findings. ' We went around a bit and they were still unable to just cancel this ( again, unauthorized ) payment. I then said I would need to stop payment through my bank and they 'recommended " that I contact my bank to cancel the payment. 

Ultimately, I had to pay my bank {$35.00} to stop payment on this entirely unauthorized charge that Apple/Goldman Sachs was unable and unwilling to reverse, despite me immediately acting on it, trying to resolve and reverse, and being as proactive as possible. I am very frustrated with this whole situation. I would like Apple/Goldman Sachs to refund my stop payment fee charged by my bank, and fix whatever led to this mess in the first place.
Consumer complaint received 2024-02-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY (TX)

I am writing to file a formal complaint against WELLS FARGO, a collection agency, for multiple violations of my consumer rights as outlined in the Fair Debt Collection Practices Act ( FDCPA ) and the Consumer Financial Protection Bureau 's ( CFPB ) regulations. 
WELLS FARGO, with contact information at XXXX XXXX XXXX XXXX, MN XXXX Phone number, ( XXXX ) XXXX, has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ) while reporting a collection account on my consumer report. This action directly violates my rights under the FDCPA and CFPB regulations. 

Furthermore, I have not been given the opportunity to dispute the account in question, as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This failure to provide a fair and transparent dispute process is a clear violation of my consumer rights. 
In addition, I believe that WELLS FARGO has engaged in false, misleading, and deceptive practices in their collection efforts, further violating my rights under the FDCPA. Their actions are in direct contravention of 15 USC 1681s-2 ( 7 ) ( A ) and 12 CFR 1006.34 ( d ), which prohibit the furnishing of information to consumer reporting agencies without the required disclosures. 
I kindly request that the CFPB investigate these violations and take appropriate action against WELLS FARGO to ensure that my consumer rights are protected. I also urge the CFPB to take all necessary measures to hold WELLS FARGO accountable for their unlawful conduct.