davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (MS)

This is on all three credit reports IC System ink and XXXX XXXX XXXX i was checking my reports and and found this account i have call them and told them i have never levied outside of Mississippi this is a light bill from Florida i have never livid there and have not let anyone used my name.
Consumer complaint received 2018-06-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (PA)

PNC Bank is able to do lots of things for customers in real time. I can make a cash deposit or withdrawal and my account balance changes instantly. I can transfer funds and the account balances are updated instantly. Oddly, the one thing the bank can not do is to notify customers when accounts are overdrawn. Now why is this? Could it be because fees account for half of PNC 's income? The bank pays items on one day, sees that an account is overdrawn and waits until shortly after XXXX to notify a customer the account is overdrawn. They'll call this overnight processing. Somehow, they can notify me in real time during overnight processing. PNC and other banks used to do to re-order items to pay from largest to smallest, knowing that by doing this instead of paying chronologically, they could assess more fees. Fortunately CFPB took this of this practice and I am describing one more area where I hope you will work on behalf of consumers.
Consumer complaint received 2018-06-14
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. (AZ)

In Early XX/XX/XXXX, I submitted a dispute to all three credit bureau XXXX, Equifax and XX/XX/XXXX. I wrote a physically letter to XX/XX/XXXX and XXXX but made an online dispute with Equifax. After the 30 days or less XXXX and XXXX deleted my dispute. However, when I tried to view my results from Equifax I couldn't view them. I was instructed to call the customer service number. When I called I asked what my results where. She read that I upon further investigation, the results where that the debt is yours. I told her out of the options that were available on the online form, I went on to explained that I added that the information of responsibility isn't correct. That it says " joint " and not individual. The rep didn't seem to understand what I was saying, there seem to be a language comprehension barrier as she definitely wasn't from the United States. I started to get frustrated because she didn't understand that this didn't answer my dispute at all. I requested a supervisor. I retold the supervisor my story, and asked her point blank, if my debt had been deleted or not she not only said yes once but twice. However, on another website about a week later, I found out that this was not true to much of my chagrin. I then called them back and explained everything again, this agent said she would mail me everything to see the results and told me she is going to submit a re-investigation. This was done at XX/XX/XXXX. Today, is XX/XX/XXXX I have yet to receive any paper mail confirmation of my re-investigation or any communication. I have emailed a complaint to them today as well. XXXX  and XXXX felt my information and case were valid enough for a deletion. But, Equifax failed to even clearly identify my issue and didn't even look into my evidence I provided. The need to investigate not only my complaint but my dispute thoroughly.
Consumer complaint received 2021-08-11
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: ALLY FINANCIAL INC. (NV)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2018-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

On XX/XX/2017 a charge of {$430.00} was made on my Citibank/ Sears Card , this was not my transaction.

I have tried to resolve the transaction with the issuer of my card, and even though is it quite clear that the signature for the transaction is not my signature, Citibank/ Sears Card are refusing to refund my credit card the fraudulent charge.
Consumer complaint received 2018-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (OR)

I have a Chase credit card with a limit of {$1500.00}. I've been making good strides to make big payments and trying to pay off the debt. I have received 12 envelopes in the mail in the last two months containing blank checks to transfer balances to the account I have been paying off. I called the company to ask for these mailings to stop and they said that it would take up to 90 days for the marketing mailings to stop being delivered to my house. I asked for marketing emails to stop and they said it would take up to 10 days for it to stop. For 90 days I have to worry about if someone will steal my mail and use the blank checks for my account.
Consumer complaint received 2020-10-24
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. (IN)

I called XXXX  and I went over my credit report with them showing them about the charge offs on credit cards that were closed display and accurate information and negatively impacting my credit score
Consumer complaint received 2018-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (HI)

Received XXXX XXXX inflight offer as I was deplaning from a flight. Applied for card on XX/XX/XXXX : terms on application stated XXXX bonus miles after spending {$1000.00}. Paper application asked for " ID number ''. Called number on application and rep offered to complete the application by phone. Approved for card. There is nothing in the welcome package that even mentions bonus miles of any kind. Called the rep the day I received the card and was assured that bonus miles offer was valid.

Fullfilled terms to earn bonus miles, later received email that I was running out of time to take advantage of bonus. Called customer service and was told terms were XXXX bonus miles if I spend {$2000.00}. I was not advised in writing or verbally at time I applied for card over the phone that terms were different than what I had on my application. New terms are not noted on approval letter received with card or the terms sheet. Customer service had me send a copy of the application by email to XXXX on XX/XX/XXXX. Letter dated XX/XX/XXXX " unable to complete request '' " call number on back of card ''. Called rep, she didn't know anything. Took my info, promised call back. No call. Follow up email to XXXX  on XX/XX/XXXX. No response. XX/XX/XXXX called customer service number : told case was closed out. I received no notice by phone, email or postal mail that they had closed my claim. Asked for manager. Manager says can not help, spend more money on card to meet new terms which I still do not have in writing. Now, for the first time I'm told I should have filled out the application on the plane before I left! Manager told me they would mail the terms within 30 days ( at which point the " updated terms '' would have expired, ie no bonus miles ). He would also open investigation to find out why I was not informed of change of terms. I also requested, since they record their calls, that I hear the original call when I applied. If I misunderstood the terms by phone fine I will give up and leave them alone. Otherwise I feel I was misled and as a customer service show of good faith they should credit the bonus miles per the terms on the application.
Consumer complaint received 2018-02-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (NY)

Coinbase charged me for a transaction from XX/XX/XXXX and XX/XX/XXXX twice. The charge from the XX/XX/XXXX was {$100.00} and the charge on the XX/XX/XXXX for {$100.00}. I realize this may be small amounts for some people but this is money I need for bills and food. Please assist as soon as possible. Thank you
Consumer complaint received 2018-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/18 Wells Fargo charged me {$25.00} for an annual fee for their secured credit card. I have really good credit and have been denied the opportunity to receive an unsecured credit card. Wellsfargo takes advantage of this and charges me a {$25.00} fee every year. I have been a customer for more than 3 years.
Consumer complaint received 2020-06-29
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC. (NC)

Opened two no penalty CD accounts on XX/XX/XXXX with Ally Bank. Funded one with {>= $1,000,000} by having Ally transfer money from my XXXX XXXX account. After that went through, I funded the second account by requesting that Ally do another transfer on XX/XX/XXXX of {$100000.00} from XXXX XXXX. I received an email from Ally that the transfer was successful on XX/XX/XXXX. The timing is important because Ally has a 10 day best rate guarantee and their rates are going down. On XX/XX/XXXX I received an email that there was a problem with the transfer and they are sending the money back to XXXX XXXX. I called up Ally and was told that for some unknown reason the new CD was closed before it was funded so the money was being sent back. I asked to speak to a supervisor and they told me that they could open a new CD but there was no guarantee that I would receive the higher rate I was promised when I opened the CD they mistakenly closed. I asked that they have someone that could fix things call me. They said it would be days before I heard from anyone. So far I have heard from no one. So because of their error, I have lost the higher rate plus a weeks worth of interest on my {$100000.00}.
Consumer complaint received 2020-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (ND)

XX/XX/2020 I booked a hotel stay in XXXX XXXX XXXX, XXXX at the XXXX XXXX, a XXXX XXXX hotel. The dates of the stay were to be XX/XX/XXXX XXXX XX/XX/XXXX. The cost of the room totaled {$2200.00} for those days. 

XX/XX/2020 Chase credit card booked my card for the total amount of {$2200.00} from XXXX. 

XX/XX/2020 I received a voucher from XXXX for the hotel stay. I checked my XXXX XXXX app and the stay was booked under my name. 

XX/XX/2020 I came to the knowledge, through my XXXX XXXX account, that my hotel stay had been canceled. This cancellation was not initiated by me. 

XX/XX/2020 I send a dispute to Chase Credit Card for the charge from XXXX for the {$2200.00}. Chase responded on XX/XX/2020. 

XX/XX/2020 - Chase stated that the charges were valid because the services you purchased were received or available to use. This is not the case since the booking has been canceled and the date is not yet the day of the hotel stay. 

XX/XX/2020 I reached out to XXXX who is the vendor whom XXXX uses for processing the payments. I requested a full refund for the stay that I booked through XXXX. Again, the full return cancellation policy is up until the XXXX of XXXX, 2020. 

XX/XX/2020 XXXX sends me an email stating, Unfortunately, XXXX can not refund you because of the strong hit XXXX suffered from the Corona Crisis. 

Early XXXX, 2020 I disputed the charge again with Chase Credit Card. I provided emails, cancellation policys from cancelon, records of refund requests, etc. 

XX/XX/2020 Chase responds as the charges being valid. Chase Dispute Department responded stating, The merchant isnt required to credit your account because the charge took place too long ago. 

During these past 4 months I have been on hold with Chases dispute department for hours. I have still not received information from any supervisor or manager there. I have reached out to numerous sources ( XXXX, XXXX, XXXX, XXXX, Chase, State services, and now National ) trying to resolve this issue. I have not received the services that I have paid for, nor do I have the ability to receive them because of the cancellation that XXXX  placed on the hotel stay. I have been scammed and frauded by multiple sources. First from XXXX and second from Chase Credit Card. Chase has multiple policies in place that act against this fraud and I have not received any of them. Even if I did have the reservation, an American citizen cant get into XXXX because the borders being shut down for leisure in response to COVID. Chase sapphire reserve credit card has a policy against this as well and Chase has yet to refund my travel with the travel protection plan that is on my account.
Consumer complaint received 2020-10-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/XXXX I opened a checking account at Wells Fargo in person. 

I was offered a {$400.00} incentive if I could complete the following requirements. 
-open the account with at least {$25.00} -receive a total of {$4000.00} in direct deposits. 

I completed the final direct deposit on XX/XX/XXXX. I was supposed to receive the incentive within 30 days of completion. 

XX/XX/XXXX. No incentive. I called and the rep said wait 90 days from when I oppened the account. 

XX/XX/XXXX. No incentive. Rep told me to wait 30 days. 

I called XX/XX/XXXX and the rep now says my account doesnt have the incentive code. 

I know it was there before because no one else mentioned this problem before. 
More than 6 months of leading me on, now theyre saying I wont get it.
Consumer complaint received 2018-06-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (CA)

I made multiple purchases on the same day because my bank 's overdraft policy states that the maximum amount I can be charged in one day is {$100.00}, or three overdraft fees of {$34.00} each. However, I was charged a total of eight overdraft fees amounting to {$270.00}. 

I called the bank, and they explained that different types of merchants ( retail, restaurants, etc. ) process their payments in " batches. '' This apparently means the merchant does not submit their request for payment from the financial institution immediately, but at some later date. The bank explained that the overdraft fee is based on when the payment is presented to the bank by the merchant, and not when the card is swiped or authorized. That was my understanding of the bank 's explanation. 

I believe, respectfully, that this is a deceptive marketing/trade practice. Had I been aware I would be subject to eight potential overdraft charges I dead of the daily cap of three, I would not have made multiple transactions on the same day. 

Furthermore, charges from various types of retailers ( gasoline, retail, restaurant ) were all processed and posted on the same day ( XX/XX/XXXX ), but various other charges from the same types of retailers were not processed or posted until XX/XX/XXXX. Attached, please find a list of such charges from my account.
Consumer complaint received 2018-02-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

IC Systems Inc is attempting to collect a debt not owed. I contacted the original creditor " XXXX XXXX '' " partial account # XXXX '' as listed on my credit report and they were unable to verify any account in my name. I am requesting immediate removal of this unverified account per FCRA guidelines from any and all credit reporting agency/service.
Consumer complaint received 2020-11-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

On Sunday XX/XX/2020 I received a text message on my phone stating that I had sent a payment of {$2400.00} to a person by the name of XXXX XXXX which I do not know. I logged in to my PayPal account and saw the money transferred but then saw money received in my account also paid by XXXX XXXX but only for the amount of {$2200.00} ( XXXX ). The person who hacked my account changed my chase credit card to my XXXX XXXX Debit card to transfer himself the money and I do not know if the money he sent back to me is legitimate or fake money. I reported the fraudulent activity & unauthorized transaction to PayPal and opened a case but PayPal keeps stating that the fraud committed on my account was NOT unauthorized when in fact it was. Two strange credit cards ( XXXX & XXXX XXXX ) were also added to my account but PayPal refuses to help me with this serious fraud. This appears to be an inside job and for that reason I am filing a complaint with your agency so you can help me with this matter. I have also filed a complaint with my bank and they will perform their own investigation. PayPal is no longer of help and only denies and closes my case instead of reporting this fraud to the law enforcement for a more thorough investigation. If PayPal is NOT able to see any fraud or any unauthorized transactions in my account, that means either the person committing the fraud is an excellent hacker or is an employee of PayPal which mean this was an inside job. I have requested copies of the documents PayPal has used in determining the final outcome of their investigation but have not received anything. I am stressing out and really need the government to step in and get to the bottom of this fraud.

PayPal Case ID : XXXX and XXXX PayPal Email : XXXX PayPal, Inc Attn : Unauthorized Account Access Appeal P.O. XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2019-10-22
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NV)

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX ; XXXX  XXXX XXXX   XXXX and XXXX XXXX The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.
Consumer complaint received 2019-10-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PlusFour, Inc (CA)

PlusFour Inc. Has refused to remove information/account off of my credit. I have repeatedly disputed this and they continue to say its accurate. It is not my debt and I am fed up with a collection agency that illegally bought this case and has no right to report and refuse to remove this from my credit reports
Consumer complaint received 2018-02-27
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: SYNCHRONY FINANCIAL ()

I got a call from XXXX with a case number. The lady threaten to serve me and burn my house down. She threaten to abuse me at my employer. She told me information about someone that is other than myself she was trying to collect for. She did not verify any information. She started to scream and threaten profanities, threaten my life, my home, said there are items in the court record they are trying to serve me papers on. There is nothing. I dont have a credit card with XXXX XXXX. Nor have I ever. The debt if at all in question was deemed fraudulent.
Consumer complaint received 2020-06-29
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (CO)

On XXXX I received a U.S.Bank ReliaCard in the mail. I never requested this car, have no idea why it came to me. I called U.S. Bank who could not help saying that they were just the issuer of plastic? They gave me a number to Reliacard. I called this number and was on hold for 58 minutes when someone picked up and hung up! I called again on XXXX and was on hold for 2 hour 3 minutes when again someone picked up and hung up! I said I had contacted the company but in truth I have attempted twice to speak to someone with no result. The paperwork that came speaks to the Colorado Department of Labor. I have no dealings with the Colorado Department of Labor so have no idea if they are involved in the issuance of this card as to why. What bothers me most in reading all about this card, it states that I have an account ( do not want it )! Bottom line, I never requested this card nor did I apply for any account. I do hope you can help me with this because I can't get through to speak to anyone.
Consumer complaint received 2020-10-12
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. (NY)

On XX/XX/20 I submitted dispute to XXXX  & all the bureaus because I was a victim of identity theft and they have this reporting as it was included in my bankruptcy which it was not. It was a part of my identity theft. I filed everything according to FCRA section 605 and I went down a check list and everything I submitted was acceptable to all the other creditors & bureaus from the identity theft was a victim to and now XXXX  & is saying they looked at my submitted documents which include identity theft affidavit signed by the officer that I filed police report with & it was noterized and I included the police report and all other documents required. So as stated in the laws on FCRA sections 605,609, 611,623 & their subsections XXXX  is in violation of multiple breaches of the law and it is within my rights to request all sources and methods they used to verify and for them to remove this inaccurate information from my credit reports before I excerice my right to take legal action as stated in section 616 of the FCRA. 

The account number in question is XXXX Also I want to know how they were able to access the sources of my information and how they finished my dispute so quickly