davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-13
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: U.S. BANCORP (NV)

While in XXXX on vacation and my card was fraudulently charged XXXX on XX/XX/2022. I did not catch the charge on the first bill, but when I did see the fraud, I called US Bank immediately to report it. US bank put a temporary credit on my account, but for some reason removed the credit and are now trying to make me responsible for the fraudulent charge. XXXX things I have a problem with. Number 1, US Bank isn't working with me to resolve the fraud and Number 2, I cant believe US Bank wouldn't flag a charge in this amount in a foreign country. US Bank is not working with me and they continue to harass me for the payment, but will not research the fraud charge.
Consumer complaint received 2022-11-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (NY)

This complaint concerns Citibank, but started with an online scam, an email I received on Friday, XXXX XXXX, 2022 purportedly from XXXX XXXX falsely charging me for a subscription renewal. Unfortunately I called the number on the email and was connected supposedly to their customer support rep, who agreed to refund the money. To do so he persuaded me to allow him to access my computer. A manipulated " error '' omitted the. in the refund amount, so that it came out to be thousands, not hundreds of dollars, which somehow did appear my screen as a credit to my checking account. Now of course I felt guilty at having these thousands which were really not mine, and was persuaded to " return '' that extra money via an international wire transfer to a XXXX XXXX XXXX. ( The " rep '' said company XXXX was in XXXX XXXX. ) After a couple of unsuccessful attempts to access my Citi account online, I was finally able to do so, and with the scammer still on the phone with me, I initiated the transfer. It went through immediately without a hitch. 

Coming to my senses a couple of hours later -- it was now past XXXX -- I called Citibank customer service XXXX Their rep recognized this particular scam, said my account showed the debit ( but not the supposed credit ) but that that did not mean the funds had yet been released to the account owner, put a hold on my accounts, and " escalated '' the report to their wire fraud department. The rub : There is NO ONE in that fraud department on the weekend ; I could not reach them by phone until Monday XXXX By Monday I am told that yes, the money has now been released from the XXXX XXXX XXXX  to the account holder. And that Citi has sent a message to the XXXX XXXX XXXX, which will ask that the account holder [ fraudster! ] return the money. Citi says the matter is under investigation and could take up to 90 days. I am astonished and outraged that Citi allowed the transfer to go through in the first place, from a longtime customer who has NEVER made a wire transfer, much less an international one, much less in such a huge amount. No red flags? They do not seem to have safeguards in place to protect their customers. 

I have filed reports with the XXXX XXXX police, the FBI, and the FTC. I emailed the Citi fraud department on XXXX XXXX ( because nobody could connect me with an actual person ) outlining the case and my frustrations with their actions ( or lack of same ), and asking for an explanation for the delay in funding my new accounts from the old ones. ( I had been given different reasons on the phone from different reps, and had been advised to just go to my local branch, which I could not do and which, it turns out, would not have solved the problem. ) To date I have had no response to my email.
Consumer complaint received 2019-12-31
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (TN)

I opened an online savings account with a deposit of {$1000.00}. Citibank will not give any information on how to access the account. I have made at least 6 phone calls attempting to resolve, but have had no success. They adamantly refuse to give me any information about my account or close the account and send me back the money.
Consumer complaint received 2022-10-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Adjustment Service, Inc. (AZ)

XXXX was owed XXXX by XXXX XXXX XXXX  as a benefit to me during XXXX. XXXX XXXX  of XXXX XXXX paid  XXXX XXXX directly. Diversified Adjustment Service , Inc. never alerted me in writing by phone or by email that they were intending to collect a debt. Had they alerted me I could have provided to them proof that the XXXX was indeed paid in full and there is a XXXX balance. Diversified has listed this on my credit report WITHOUT any notice whatsoever to me which has negatively affected my excellent credit standing. I only found out that this item was added to my credit report after applying for a loan and being denied. XXXX provided my credit report and I have disputed the debt as it is indeed paid and should never have been placed on my report I would like the collection removed in its entirety from my credit profile on all bureaus
Consumer complaint received 2022-11-17
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: HYUNDAI CAPITAL AMERICA (VA)

Kia Motors Finance is trying to unlawfully force me to pay an extra {$7200.00} through XXXX. This is for a vehicle lease that has already been paid in full. On XX/XX/2022, I received the Insurance BUYOUT QUOTE from Kia Motors Finance directly. I immediately forwarded this information to my insurance company, XXXX XXXX, who in turn sent a check for the full amount of {$31000.00} directly to Kia Motors Finance. Kia was incredibly difficult to work with, provided no quote over the phone, and I had to go onto their website to find this information. XXXX XXXX tried numerous times to call and receive the payoff amount and was denied this information. After my fourth call to Kia, someone finally helped me find this payoff information. If you inspect the buyout quote I uploaded, it shows the reason for the buyout quote as INSURANCE, and shows the amount of {$31000.00} as being good through XX/XX/2022. If you look at the next document, it shows XXXX XXXX sent them the payoff of XX/XX/2022, well before the expiration date of XX/XX/2022. They have since tried to change the amount we owe them illegally. They have been harassing my husband by calling his phone number three times a day even though we gave them the correct number many times. When I try to call them back to speak with them, they keep me on hold for hours and then hang up on me, never speaking to me. When I answer a call they make to my husbands phone, its just a recording to call them. They are intentionally not talking with me or working with me. They made it clear either I pay them extra money, or they go after my credit. In a letter they recently sent me, they are stating that they will " charge off '' this amount in a couple weeks and try to destroy my credit. I am a hardworking immigrant and military spouse who has been paying all my legitimate bills on time for years trying to build up my credit and provide a good life for my children. Please help me with this immoral company abusing their power to hurt me and force me to pay unsubstantiated money. I never would have imagined a company as large and trusted as Kia to be so bad. How can a company say they are owed a certain amount, get paid that amount, and then try to change what they are owed after they have been paid??? THIS IS EXTORTION!!!
Consumer complaint received 2019-12-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (CA)

My name is XXXX XXXX. My loan number is XXXX for the property at XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, CA XXXX The last four numbers of my social security number is XXXX. My home address is XXXX XXXX XXXX XXXX, XXXX, CA XXXX, My phone number is ( XXXX ) XXXX My email address is XXXX On XX/XX/19 I wrote a check to Fay Servicing, XXXX XXXX, XXXX, TX XXXX ( XXXX ) XXXX my mortgage servicing company for {$19000.00}. This payment covered 2 mortgages with an extra {$100000.00} for principal. The {$10000.00} was clearly marked for principal on the payment slip. This check was check XXXX. 

Fay servicing made an error and applied the whole amount to payment. They said I do not have to make another payment until XXXX.. I told them I want the {$10000.00} applied to principal, as originally requested XXXX said that they would correct the account. XXXX advised me to throw out the current statement and wait for a new corrected statement in the mail. I did not get a new statement until the end of XXXX. This statement has a late charge on it of {$24000.00} I do not believe I should have to pay this late charge. I was unable to pay the XXXX mortgage payment on time as Fay Servicing had not yet corrected their records and were stating that the mortgage was paid up till XXXX. At no time during my conversations with Fay Servicing was I advised that I should make another mortgage payment in order to avoid a late fee, I believe Fay Servicing should either waive the late fee or pay it to the lender themselves.
Consumer complaint received 2022-01-23
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NY)

I hope this note finds you well! 

I was writing in regards to the recent news of Student loan company Navient canceling the debt for approx.. 66,000 people in a {$1.00} billion settlement. Im an individual who has felt the burden of massive student loan debt, and agree that Sallie Mae/ Navient are rightfully being accused of predatory lending, and giving individuals such as myself massive private loans, despite knowing that we had little chance of paying it back and then charging interest that drove us into debt.

While this settlement is great news, the provision that states only borrowers who were behind on payments for seven consecutive months prior to XX/XX/2021 qualify to have their loans canceled, but those who are current on their loans are not, doesn't ' seem to be very unfair. Im not sure if youve dealt with the harassing phone calls, and threats of garnishing your wages, but being forced to make payments or join their payment programs in order to not have your entire life and credit score ruined, is an extremely anxiety ridden thing to deal with.

PLEASE DO SOMETHING ABOUT THIS PROVISION as this is excluding a significant amount of people with an intense amount of debt, when they were only trying to better their continuing their education journey.

A predatory loan is a predatory loan and should be based on the qualifications of the loans themselves, how the loans were granted, and NOT necessarily how they were paid. Thank you for your time and consideration as this would be a live changing event for me and my family! 

Thank you for your time and consideration
Consumer complaint received 2017-10-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: GLA Collection Company, Inc. (KY)

I first got my debt notice from GLA Collection Company and on the back of the page it asked if I had any insurance information. I filled out the back of the page and never heard anything if they filed with insurance or not. 
I got another letter saying I owed money. I called and asked if they ran it through my insurance. 
The guy on the phone XXXX was very rude and told me he was not going to check with my insurance that he did n't have to and it was past the point for that. 
I then got a letter on XXXX XXXX 2017 that says I have 60 days from the date of this letter to make the payment in full. 
A week later I got another letter that said I had 10 days to pay and that I need to call this number XXXX. 
I called the number and again the guy was very rude and told me that I did n't have 60 days I only had the 10. I asked why I got this letter that said 60 days and he said he did n't know and did n't care. 
I just thought that was very rude and he was just did n't care about working with me.
Consumer complaint received 2022-11-17
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)

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These accounts must be investigated and DELETED in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXXXXXX 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 2022-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I have no knowledge of the following inquiries on my reaccredit report 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 2021-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: AMERICAN EXPRESS COMPANY (NY)

An American Express credit card was taken out in my name. 71 % the the total value was used on a {$1000.00} limit credit card. 
The account was opened XX/XX/XXXX The account was closed XX/XX/XXXX XXXX
Consumer complaint received 2016-10-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (AZ)

This is an ongoing situation that I have with Bayview Loan Servicing LLC.. They have not fixed or credited my account for any of their errors. They have sent me a point of contact letter from a XXXX XXXX XXXX ( document attached ) and in that letter it has options and offers available. I have responded to her in a letter ( attached ) to send me any and all available assistance asap. I have also attached a statement I received abouit a week ago from Bayview ( XXXX statement I 've ever received from them ). On this statement towards the bottom of the first page on the right the show recent account history. On that it shows no payment received for XXXX and XXXX of XXXX. Not true, I sent money orders for those months in the amount of XXXX and XXXX. On a ledger sent to me by their attorney XXXX XXXX he shows the money orders however he shows receiving them both in XXXX. So, their inconsistency in accounting is VERY AGGRAVATING, and negatively impacts me monetarily and every other way.. I am also attaching a document of mine from XXXX XXXX XXXX for my XXXX tax records. In the middle of the form it has a paragraph stating " Bayview Loan Servicing LLC has requested the original tax bill with the intentions of paying it on my behalf ... .I HAVE NEVER GIVEN BAYVIEW PERMISSION TO DO ANYTHING on my behalf ... IS this even allowed. I do not want Bayview Loan Servicing to be able to get my records without my permission ... .Also, I would like an explanation of why Bayview XXXX telling you and other agencies and myself that they have owned my loan since XXXX. I made monthly payments to XXXX Mortgage for 7 years and got a transfer letter from Bayview in XXXX XXXX ( see attached ).
Consumer complaint received 2022-01-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (TX)

yesterday i tried to take out {$340.00} at an atm with my chime card, it said there was an error so i assumed something was wrong with the atm cuz i had JUST put money onto my card and didnt see why there would be anything wrong on my end so i went to another atm and it said it couldnt be processed, thats when i realized it had to have been something that was wrong on my end so i opened the chime app and tried logging in, it wouldnt let me and i assumed its cuz i put my password in wrong but i noticed it said your account has been closed. i was confused because i didnt understand why the XXXX it was closed. i checked my emails and there was nothing so i was stressing the XXXX out cuz i had money in this account that i no longer have access to, i have things i have to pay, what the XXXX am i supposed to do? so i refresh my email for awhile and finally get an email saying we regret to inform you we have made the decision to end our relationship with you at this time. your account will be closed. i started freaking out because i tried getting ahold of customer service several times and i wasnt able to talk to an actual person, i emailed customer service several times and have not heard back. i did some research and i guess this happens to people a lot and a lot of people dont get their money back or have had tried months to get their money back and havent heard anything from anyone, im worried the same thing will happen to me.
Consumer complaint received 2021-11-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Collections Enterprise, Inc. (MD)

American CollectionsXXXX XXXXXXXX XXXX XXXX  XXXX on false debts. They are trying to collect a debt with an alleged date of XX/XX/2019 from a XXXX XXXX I didnt see until XX/XX/2019, then they say its because of my daughter XXXX XXXX when she was never a patient there, she was only XXXX. All details are false and dont make any sense. I have contacted the creditor : XXXX XXXX XXXX XXXX XXXX and they make it clear not debt is owed, I was on XXXX with no job and didnt pay anything out of pocket. This is identity theft with false information. They have also failed to respond to my debt validation letter with to in XXXX days.
Consumer complaint received 2015-08-08
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I have been sending {$100.00} to Capital One Bank for several years into my High Yield Money Market account. For some reason, Capital One stopped crediting my Money Market account as of XXXX/XXXX/15 although my Credit Union has continued to send the money to them.
Consumer complaint received 2022-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

Equifax XXXX : XXXX XXXX XXXX, 2022 XXXX : XXXX, XXXX. 
XXXX XXXX, 2022 XXXX XXXX XXXX/2022XXXX XXXX, 2022 XXXXXXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XX/XX/2022 XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, 2022 XXXX XXXX XXXX, 2022 XXXX XXXX XXXX XXXX XXXX, 2022 XXXX XXXX  XXXX XXXX XXXX 2022 XXXX XXXX XXXX XXXX XXXX, 2022 XXXX XXXX  XXXX XX/XX/2022
Consumer complaint received 2018-11-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (MO)

I contacted XXXX XXXX to report a debt that that was opened while I was a minor in XX/XX/2006. I explained to them that I do not recall ever having this debt and to send me information about the debt. They stated that they would not send me information about the debt and that I would have to fill out a police report.
Consumer complaint received 2016-10-31
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CAVALRY INVESTMENTS, LLC (FL)

CAVALRY PORTFOLIO SERVICES IS AGRESSIVELY ATTEMPTING OT COLLECT DEBT ON THIS ACCOUNT EVEN AFTER I SENT THEM LETTER FROM XXXX XXXX AND EVEN AFTER I SERVED THEM WITH CEASE AND DESIST THEY IGNORED ALL REQUESTS TO VALIDATE THIS ACCOUNT AND IGNORED ALL DEMANDS TO STOP THEIR HARASSMENT ON THIS ILLEGALLY OBTAINED BY THEM ACCOUNT. XXXX XXXX STATE THEY NEVER HEARD OF CAVALRY AND DID NOT SELL THIS ACCOUNT TO THEM ... THIS MUST STOP
Consumer complaint received 2022-01-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SYNCHRONY FINANCIAL (KY)

Received an email from something called XXXX. I have some accts with Synchrony Bank so didn't think twice about opening it. It asked " Did you forget something? '' Then said I had missed a payment. It gave an acct # ending in XXXX ( which I found out was opened XXXX XXXX, XXXX ). & giving one acct number When I went into the " Pay Now '' button to see who this was claiming we were past due it went to Rooms To Go which had had the acct # ending in XXXX whom we haven't owed for about 22 months due to a 'charge-off ' that long ago. It said I owed {$430.00} which is approximately what I owe on another account having nothing at all to do with any of this! Payments on that account is {$35.00} per month which is what this email claimed I had missed paying but now owed {$63.00} due XX/XX/XXXX & said I could pay as a guest. I knew then this had to be bogus. I called the phone # provided XXXX & got a guy with such a thick accent I barely could understand him but he said this was an attempt to collect a debt & the number I would have to call would be XXXX. The lady did not have as thick an accent & " seemed '' business-like & took information saying she was going to contact all 3 credit bureaus & alert them of possible ID Theft & to flag any further credit applications to Synchrony Bank . However she assured me this would not affect the accounts I already have with Synchrony Bank. I've looked up the phone number of Synchrony Bank & it does not match either one of these. So, what is one to do? I knew I was not behind on anything! All our bills are paid! We have a perfect record of paying our bills 100 % on time. We do not need this black mark on our name/credit! I checked out XXXXsyncb. For goodness sakes! We would NEVER apply for a credit card or credit period to buy diamonds or cars or other luxury items! I did try to file a complaint with one of the 3 credit bureaus but not sure it went through. It's much harder than it used to be to do so & much more confusing. 
Thank You XXXX XXXX
Consumer complaint received 2016-06-18
Product: Credit card — 
Issue: Other fee — 
Company: Continental Finance Company, LLC (MA)

I have a credit card with XXXX ( Continental Finance ). The credit limit is {$500.00}. It was renewed automatically in 2016. I never used it in 2016 but to date I have been billed {$240.00} in fees. I paid {$170.00} in fees just to protect my credit and I cancelled my card but the bills keep coming. My credit rating is damaged and I am still getting bills, the latest is for {$160.00}.