davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-21
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (GA)

None of above " Best describes ''! 
Re VEXATIOUS LITIGATION by XXXX! 
From a recent message sent to the Georgia Dept of Law ( of which can NOT handle such cases ), re XXXX County Magistrate Court enabling such behavior of XXXX XXXX : " This is in re to a large number of XXXX XXXX cases handled here, by a law firm in XXXX GA! 
Is there a payoff? Payola? 
My situation : I have a XXXX handled debt that I have actually PAID off, and even an OVERPAYMENT!!! 
I am XXXX years old, on SSA XXXX, the past 3+ years I have over paid the {$1500.00} as agreed upon in the 2013 Consent Judgment - however there were 4 months in which my monthly recurring payments ( checks automatically withdrawn ) did not clear the bank ( this cost me {$35.00} @ time )! 
Hand written on this consent judgment by the XXXX attorney is : " ... $ XXXX/month, beginning XXXX/XXXX/13 and continuing by the XXXX of each month thereafter until the {$1500.00} '' then the printed " is paid in full. '' Morally and should be legally I have honored this! Yet, I filed a 'Relief from Judgment ' of which was denied by the XXXX Magistrate Court !!!??? Since my case was in dispute my hearing was delayed until after the XXXX+ non-contested XXXX XXXX cases, handled by law firm of XXXX XXXX XXXX XXXX GA! 
Online you can see very much anguish by people because of XXXX XXXX ... 
They prey on people of modest income that can not afford an attorney!!! 
This is BULLYING - is it not!? 
This is Vexation Litigation - is it not!? 
I had good credit - then while self-employed my health got bad, and i was no longer able to gainfully work! 
As a result my credit suffered when I was unable to pay some debt - of which I have worked hard to repay all that I could! ... 
The XXXX Co Magistrate Court certainly seems to be enabling the XXXX XXXX law firm and XXXX take advantage of people of modest means - in effect BULLYING them legally! Oppressing these folks that have perhaps suffered injury or health concerns and become unable to pay off their debt! Ca n't some means of humanely methods be used for debt collection, without BULLYING folks!? " From a recent letter to the Chief Magistrate ( newly elected ) : " Notice : they NEVER INTENDED to honor the Consent Judgment, it seems clear!!! 
I have already sent to you copies that should prove this claim! 
Mockery of justice!? Mockery of XXXX Judicial system!? 
Vexatious litigation!? 
Bullying of XXXX County citizens, and allowed and supported by this court!? " That is : their statements NEVER reflected the agreed amount in the Consent Judgment!!! 

Prior to XXXX XXXX I had been voluntarily paying this debt to another agency, with no problems! Then XXXX XXXX got involved ...
Consumer complaint received 2016-06-07
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

Hi There, I signed up for a Citigold checking & savings account promotion, where if one fulfilled the requirements of a promotion, you would receive as stated by Citi, XXXX XXXX American Aadvantage miles credited to your account, at the least 3 months after the statement in which you complete the requirements. I contacted Citigold multiple times after completing the requirements so that they could confirm that I in fact completed the requirements. They confirmed over the phone I had in fact successfully completed all the requirements, and put notes on my account. Not satisfied having still now received the miles now time after the last possible day in which they were supposed to credit it, I engaged with them in secure chat, where once again they confirmed that I had in fact successfully completed the requirements for the Citigold XXXX AA miles bonus as agreed upon in their promotion contract. I have screenshots and printouts of the secure chat as proof. However after still promising to credit the miles in a couple days, it 's now been months since the final day they should have credited the account and I still have n't received the bonus they promised as part of successfully completing the miles. 

They have violated their agreement, and are cheating consumers in promising and confirming successfully attaining their promotion, yet falsely promising as they deny actually giving out the miles
Consumer complaint received 2015-10-27
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A. (FL)

Received a XXXX card from Best Buy I did n't request. They both had different account numbers. When I called to inquire I found that they also activated it without my permission. And worse it had a balance. XXXX showed XXXX and the other XXXX. I demanded that they Close XXXX accounts immediately. For my safety. I do n't want this to go against my credit score because of this.
Consumer complaint received 2016-03-09
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (GA)

Was offered XXXX points for the Citi XXXX Card after spending {$0.00} within three months. Called multiple times and was told the points would be added to my account. Talked with numerous managers that confirmed I would see the points. It has been over three months and I 've seen nothing.
Consumer complaint received 2016-07-16
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (HI)

I received a message from XXXX XXXX informing me my credit had dropped due to a hard credit inquiry from CBNA Bank on XXXX/XXXX/2016. I do n't know CBNA and I did not apply for a credit card or loan so I did not approve a hard inquiry. Now I 'm worried someone has used my information to open an account.
Consumer complaint received 2016-04-09
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (TX)

In XXXX of XXXX, I received a ( XXXX ) letter from Internal Revenue Service stating claims of a cancellation of debt for {$4900.00} from Citibank from year XXXX. I have never had a credit card with Citibank. I immediately call Citibank in New York XXXX, the address on the letter. I spoke with XXXX XXXX ; ID # XXXX. This person took my information that identifies me and I was told my information did not match what they had on file. I was told there was no account in my name according to the account number on the XXXX letter. I was instructed by XXXX XXXX to fax a statement refuting the claim and to also fax a copy of the letter I received for IRS. On XXXX XXXX, XXXX ; I faxed a statement and a copy of the letter to XXXX XXXX to ( XXXX ). I requested verification in writing to be sent to me at my address and/or my email address. After two months of no response from Citibank ; I called Citibank again asking for written verification. I was told they would do more research and get back to me. To date, I have not received a response nor a resolution to their claim sent to IRS. The IRS is attempting to collect additional Tax from me because of this claim. I have a right to a copy of the documents related to Citibank claim of Cancellation of debt sent to IRS.
Consumer complaint received 2015-03-23
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (TX)

Citi Bank has failed to protect me against an overcharge from XXXX XXXX. The issue has continued for 3 frustrating months. I finally got the matter resolved and XXXX issued the credit in XX/XX/XXXX. Citi put the credit on my account and all was well for a week. 

Then Citi began sending me letters requesting information about the dispute. I sent them an email response saying the matter was resolved and they could cancel the dispute. Citi notified me XXXX XXXX I would be re-billed for the disputed amount since I canceled the dispute! 

So, I 'm back where I started with Citi and pulling out my hair. XXXX XXXX issued the credit, but Citi still ca n't get my account right. This is the worst customer service experience of my XXXX years. Citi 's lack of controls and oversight is inexcusable. I 've attached written correspondence with Citi.
Consumer complaint received 2016-09-17
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (MO)

Synchrony XXXX for JC Penney Credit Card account XXXXXXXXXX ( XXXX ) and TJX XXXX XXXX XXXX XXXX and XXXX ) and XXXXXXXXXXXXXXXX SYNCB/BP ( XXXX ) reported to the XXXX credit reported to XXXX, and XXXX that I was 30 days late during various times in this loan. Payments have always been paid at the same time through my bank account. I reviewed several complaints through multiple sites about other consumers were having the same issue during this same time frame with Synchrony. I also believe there was a lawsuit against Synchrony from other consumers regarding this. It almost seems as though they had an internal problem, but pushed it on the consumer. I ask Synchrony to remove the 30 day late my above accounts on XXXX, and XXXX. As I believe this was an error on XXXX side. please remove the late notification from my report. I thank you in advance for your assistance and refund any additional interest that was charged to my accounts.
Consumer complaint received 2015-10-08
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: MOHELA (NY)

My loan was serviced by XXXX XXXX and transferred to Mohela in XXXX 2015. My history of loan shows shocking info such as eight and five months period where my balance does not change despite a faithful monthly payments! XXXX has been ignoring my requests.
Consumer complaint received 2017-01-20
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE (MA)

I ordered a product online and never received it. I contacted my credit card company they canceled the order then refunded my money. At that point I received an email from the vendor apologizing for not giving me the product then they said they gave me a full refund. ( in XX/XX/XXXX ) My credit card company then recharged in me in XX/XX/XXXX saying I received the product even though I sent them documentation saying that I have n't received it. The vendor says they refunded my money in XX/XX/XXXX the credit card company says they did n't I have been fighting this since XX/XX/XXXX. The vendor is XXXX the credit card company is Barclaycard. Neither company is helping me and both blame the other while they have my money.
Consumer complaint received 2023-01-05
Product: Credit card or prepaid card — Store credit 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. (OH)

Fraudulent purchases were made to my Home Depot credit card account. Although the signatures on the sales drafts do not match those of the authorized users, XXXX XXXX contends that I am responsible to pay for the merchandise.
Consumer complaint received 2022-02-28
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: FORD MOTOR CREDIT CO. (MI)

I have made sure to make my payments on time for XXXX XXXXwith the account number XXXX. This account should not have a late payment status in my record. Make sure to provide me any documentation about the late payments being done on the months indicated in the report.
Consumer complaint received 2015-10-05
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (NY)

My Navient Online account was locked, preventing access to my information. The site said to call to unlock my account. The phone number provided registers as out of service, or directs me to an automated call service which has no info concerning locked accounts. 

Emailing " XXXXXXXXXXXX '' results in a reply saying, do not email this account, please log in, ( which is impossible ) with a locked account. 

It seems that unnecessary burdens to account access are in place to prevent consumers from having the information necessary to make financial decisions. 

Please disband this company.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (OH)

I 've tried for many years explaining to them how I could not afford my loans after college and they kept changing programs on me. I went from owing XXXX to now owing XXXX and my payments have tripled and I really ca n't afford them now!!
Consumer complaint received 2015-08-26
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (CA)

Chase Bank filed for foreclosure. We want to pay off the loan in full as we have equity and we can get a new loan, but we questioned their pay off amount. We wrote them a formal letter on XX/XX/XXXX their number. On XXXX XXXX, supposedly Chase referred the matter to their Executive Escalation Department. Chase responded rote us a letter on XX/XX/XXXX, but it was obvious that they had not read the original letter of XX/XX/XXXX, so we sent them another copy of that letter. Since them we have received separate letters from Chase promising a detailed reply to our concerns by XXXX XXXX, and then written requests for extensions by Chase on XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. On XXXX XXXX we wrote Chase to tell them that we would not grant any extension beyond A gust XXXX, and that we would file a complaint with your agency. Today we received another letter from Chase requesting an extension to XXXX XXXX. Due to Chase 's failure to give us a correct payoff amount since XX/XX/XXXX, we have now lost our loan commitment.
Consumer complaint received 2017-03-21
Product: Credit card — 
Issue: Credit determination — 
Company: JPMORGAN CHASE & CO. (IL)

See just filed charge against XXXX for same reason - rejected credit by Chase Bank on XX/XX/XXXX, per CFPB Case # XXXX, Reference Number XXXX, XX/XX/XXXX, Chase Bank USA , N.A . and parallel charge XXXX application No. XXXX, XX/XX/XXXX. XXXX and 15 U.S.C. 1693 unclear and individual consumer rights failed to comply.
Consumer complaint received 2022-10-02
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. (GA)

In accordance with the Fair Credit act XXXX XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a 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 2015-05-22
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Gragil Associates, Inc. (MA)

XXXX XXXX XXXX repeatedly sent statements indicating a bill was unpaid. In fact, I had used my XXXX Visa card to pay and received an email receipt. I took several actions to relay to them the payment had been made. These actions included a phone call, where I was assured the problem was resolved. Upon receipt of another statement I sent them fax copies on XXXX dates of the payment receipt. 

Despite these actions they sent the issue to a debt collector. I have received XXXX letter from the debt collector and have responded in writing disputing the debt.
Consumer complaint received 2015-04-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EOS Holdings, Inc. (OH)

There is a {$730.00} balance through XXXX XXXX XXXX XXXX that XXXX XXXX XXXX claims to have no knowledge of. They keep asking about services I have never had through XXXX XXXX XXXX and there is no number relating back to my name or social. XXXX ( XXXX XXXX ) is the creditor and I keep receiving mail from them about this anonymous debt.
Consumer complaint received 2015-06-16
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Focus Holding Company (NY)

A phone call claiming it was for debt recovery but I have no outstanding debts that are unpaid. My credit is excellent, and my FICO score is XXXX ( or was while I was applying for a home eq loan ). 
I am not a co-signer for anyone else so I want this company to take me off their call list immediately. There is no one that I have any responsibility for regarding debts.
Consumer complaint received 2015-11-25
Product: Money transfers — International money transfer
Issue: Wrong amount charged or received — 
Company: BB&T CORPORATION (FL)

I sent a XXXX wire transfer to XXXX, but in the XXXX bankthey say they only received XXXX XXXX. over XXXX dollars are lost. 
my bank here says they send it, and the bank there says they only receivedXXXX
Consumer complaint received 2016-10-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (FL)

It show XXXX collection on my report twice. balance on each account is XXXX. Reported on XX/XX/2013 is the same on each collection the only thing is different is pinnacle gave XXXX different account numbers to equifax but the amount due and date reported is the same. The duplicate just showed up about a little over a month but equifax will not look at it as a duplicate because the collection cimoany gave it a new account number. The original debt was to XXXX for XXXX All equifax did was revering that I owed XXXX which I did not dispute. I disputed that is was on my credit report twice just under XXXX different. Account numbers under XXXX for the exact same amount, exact reporting date just different account numbers. The last one was just added over a month ago
Consumer complaint received 2016-10-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (FL)

I the Consumer file this Affidavit and Notice of Complaint with the Consumer Financial Protection Bureau for the matters set-forth herein. After requesting EQUIFAX to remove negative credit reporting activities of the DEPT OF ED/NAVIENT and NAVIENT, the consumer was denied remedy to a complete and accurate investigation in regards to the removal of the items/accounts on his Credit Report. 

There are issues where the credit bureau EQUIFAX has denied the consumer remedy and a review of ALL proof of claims ( documented information provided by the DEPT OF ED/NAVIENT and/or NAVIENT ) subject to public access. I, the consumer, offer this affidavit to EQUIFAX for the refusal to remove negative items/accounts from my credit files, despite the consumer 's request and for failure to verify to the consumer any disclosed information provided by these entities in regards to the accounts being reported. See Attached notice by affidavit with supporting documents
Consumer complaint received 2017-02-17
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP (CA)

I have account with US Bank and the issue or concerns I have are fees for over draft, extended fees ( check account ) and charges to XXXX of my credit cards that I have not authorized to be an over draft for my checking account. Over the past 24 months, I have paid XXXX XXXX dollars in Overdraft fees. They refused to pay my regular bills and reorder my account transaction to hide what there doing. I have request a in chronological accounting of my bank transaction and they will not provide it. For at least two year my bank deposits of XXXX dollars in that account and they missed managed every transaction. They hey items for pay for excess of 3 days or more and re-ordered when transaction to cover up and released money held pending for payment back in to the account. also, have countless over draft fees place on my credit card ending XXXX, and I did not have agreement. I spoke to a bank rep a few days about it and still not attempt was make to follow up or correct the matter either. I need so help getting the matter corrected. Its just criminal what they are doing and it cost me a significant amount of money.
Consumer complaint received 2016-08-30
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (TX)

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts that I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you
Consumer complaint received 2017-02-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (TN)

I am filing this complaint becasue Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed being that they have gone past 30 day mark and ca n't verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are requiredto promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as you can. Thank you
Consumer complaint received 2017-03-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TN)

I had a case of credit fraud in 2015 on several accounts and XXXX and XXXX is the only company that will not remove the report from my credit. I have sent them all of the information that I have available and that was not enough for them, but was ample for all other companies.
Consumer complaint received 2022-08-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (KS)

This problem relates to Paypal. I received an unsolicited payment from someone I do not know for {$250.00}. They asked me to refund it. I assumed it was a scam which was supported by a brief internet search. It turns out they had really sent me the money and they registered a complaint with Paypal saying that they had sent me money and I had not sent them the item they were buying. This, of course, was not true as there was no item -- just the money. When I got the dispute notice from Paypal I logged in and saw the pending payment. I was for less than {$250.00} because they had deducted a fee as if I were a business which I am not. If it had not been for the deduction of the fee and the already existing dispute I would have just sent them the same amount back. Instead, I had to respond to the dispute. After explaining to Paypal that I did not know this person, did not ask for the money, was not in business at all and explained that they just needed to give this person their money back which should be easy since they had frozen it and not paid me yet anyway. Instead, they resolved the dispute in the other person 's favor and charged me {$15.00} for the dispute plus of course the fee of {$7.00} and change. So, I am out {$22.00} and change for simply possessing a Paypal account that some was able to send me money to. Now, they say I owe them {$15.00} and I can not even close the Paypal account or remove my bank and credit card information which they have. I am trying to deal with Paypal by taking exception to their resolution but given they resolved it this way in the first place and none of the facts have changed I do not expect them to fix it without someone else intervening.