davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (PA)

On XX/XX/XXXX I went to XXXX 's to purchase a coat for my son. I used the NetSpend card to make the purchase. I went back to order another coat and, although I used my pin number, NetSpend put a hild on my account which has ALL of my spending money/direct deposit from my job on it. I called them on XX/XX/XXXX and they said that the account will be unlocked in the next six business hours.I then called them on XX/XX/XXXX, after six business hours and they tell me that they are still investigating the account. Everytime I call they put me on hild never to pick up again. I am a single mom and I have no money for food, gas, or for important bills that I have to pay. Currently i am STILL on hold waiting for another agent to pick up. this is VERY frustrating. They have {$640.00} of my money on hold and will not tell me what 's happening with my money.
Consumer complaint received 2021-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

On ThursdayXX/XX/XXXX I opened up a personal account with Citibank which is also the same bank I currently have a business account with I deposited a check for {$15000.00}. On Saturday I went in person to the branch to transfer money from the personal account to the business after transferring {$3500.00} to the business account my account was blocked and I have verified all of my information and still the bank will not allow me access to my money. I have reason to believe Im being discriminated against. Im requesting that you guys pull the customer service calls from Saturday and Monday where both agents were rude and extremely unhelpful. As of the time of this complaint I have been sitting at the Citibank branch where I opened up the account for over an hour and they cant even get a hold of the fraud department meanwhile I have to pay my rent and they are holding my money XXXX.
Consumer complaint received 2021-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP (NY)

I am a victim of identity theft. The Fraudulent Activity happened on XX/XX/2016 with a balance of {$6300.00}. I left my car open in a public place then I lost my bag with my cards and Ids inside it. Someone who has taken my things took advantage of and made this fraudulent account under my name.
Consumer complaint received 2019-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: AES/PHEAA (GA)

I was shocked when I reviewed my credit report and found 180 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2020-10-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NV)

I was offered a forebearance plan a few months ago and when I asked about the outline I was told the following : RE : Loancare.com XXXX XXXX  owned * Credit would not be harmed -- They hit it and called it delinquent dropping my credit score by 100 points. I contacted them and filed a complaint with you and it was elevated to close to what it  had been ( XXXX ) * I

was told the payments being deferred would be added to the end of the loan and now they are saying I need to pay all the ones I was given a delay on. * They are nearly impossible to reach at all 3 800   numbers and have excuses for trying to reach them. * They have people call at odd times, like holidays, and they say to call them back and when I did I was told by voice mail they are not there due to not being business days and hours. * They write long semi threatening letters and do not care that there
own customer service is unavailable unless you wait for " wait times are in excess of 30 minutes '' and websites are non functional consistently.

* I made a payment on XX/XX/XXXX and told them I would start making payments monthly again and still not getting any help to get a modified loan and move payments to end of loan. 
* I have sent letters 3 times to CEO XXXX XXXX of Loan Care and  always get unsypathetic responses from whover he hands it off too
Consumer complaint received 2021-11-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: U.S. BANCORP (OR)

Bank account was fraudulently accessed ( XXXX ) by agent claiming to represent XXXX XXXX Department ; {$4000.00} was electronically transferred to an unknown recipient. US Bank has refused to repay this amount though the EFT Act specifically requires this : If a third party fraudulently induces a consumer into sharing account access information that is used to initiate an electronic fund transfer from the consumers account, does the transfer meet Regulation Es definition of unauthorized electronic fund transfer? 
Yes. 

If a third party fraudulently induces a consumer to share account access information, are subsequent transfers initiated with the fraudulently obtained account information excluded from Regulation Es definition of unauthorized electronic fund transfer because they are initiated [ b ] y a person who was furnished the access device to the consumer 's account by the consumer? 
No. 

Can a financial institution consider a consumers negligence when determining liability for unauthorized electronic fund transfers under Regulation E? 
No. 

Can a financial institution require a consumer to file a police report or other documentation as a condition of initiating an error resolution investigation? 
No.
Consumer complaint received 2019-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CITIBANK, N.A. (CA)

According to last report I was out I state and didnt use my credit card. And I dispute my card and in credit report and its delete but it didnt dispute in company yet. I want to dispute this account immediately and its fraud. I cant get any credit card because this report decries my account and score
Consumer complaint received 2017-12-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (MS)

Wells Fargo admits they received a refund check from XXXX XXXX XXXX. This refund was because the company found I had been overcharged over {$800.00} during the period I told Wells Fargo about questionable charges. I asked for months what happen to the check and Wells Fargo denied it was related to the overdraft. 

Wells Fargo refuses to admit any wrong doing. A customer satisfaction check was sent to me in the mail that had a letter stating I should cease communication with the bank after I demanded to speak with the attorneys representing the bank to confirm my suspicions that this entire case is a matter of massive fraud that reaches into this agency. 

I sent the information to the XXXX XXXX XXXX XXXX with a copy of the police report. This agency, CFPB, has done nothing to assist and I am continuing to make these post to prove small town America is still being choked to death by big banks. 

I am XXXX. The funds were stolen from my XXXX XXXX Account being used to manage my health. I am certain I would be in much better health if Wells Fargo had not decided to pick a fight with me. The attachments are the fake customer satisfaction check and the police report. 

I live two hours away from any Wells Fargo locations and online banking was critical for account management. I was denied access to the account soon after the fraud began as currently. As stated earlier, I got a certified letter in the mail telling me to avoid person to person contact with Wells Fargo and employees. After the bank and I tried to verify the cashier 's check all individuals who answered my calls suggested I ignore the letter and go into the bank and they would gladly cash the check for me.
Consumer complaint received 2021-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT SAY CHARGE OFF THAT ARE NOT ACCURATE, AND ACCOUNTS THAT DONT THAT BELONG TO ME. ALSO WRONG EMPLOYERS TO BE DELETE, A LETTER OF EXPLANATION IS ENCLOSED.
Consumer complaint received 2021-03-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (IL)

On XX/XX/XXXX, I contacted CoinBase because the phone with my authenticator app broke. I needed that to enter an authentication code to access my account after enter my username/password. I needed them to remove that check. This happened once before and at that time they ask that I submit a copy of my driver 's license and maybe some other info. I was informed on XX/XX/XXXX after I made that request that they already had all the relevant documentation due to my previous submissions and that I should expect a resolution in 48-72 hours. 

On XX/XX/XXXX, I contacted them again and asked them what the delay was and I would be willing to provide any additional info they may need. I received the following response. " Please be informed that we can not expedite the review process. You still need to wait for 48-72 hours for the process to be completed. You will receive an email confirmation once it was completed. No further action on your part is necessary at this time. If we have any need for further information, we'll be sure to reach out. '' I contacted them again a week or two later and this time got no type of response. I contacted the XXXX about a week ago and that got no traction. So at this point I'm just starting to go down the list of any governmental agency that can help. I really want to avoid having to take the legal route.
Consumer complaint received 2020-10-20
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)

IN XX/XX/2020 RESERVED A RESIDENCE THROUGH " XXXX '' FOR RENTAL XX/XX/2020 TO XX/XX/2020 FOR THREE NIGHTS.

REPORTED FIRES IN AREA, CLOSED ROADS, AND POWER OUTAGES " HOG FIRES '' THE TIME I WAS TO USE RENTAL TALK TO LOCAL MANAGEMENT CO "  XXXX XXXX '' WHO ASSURED ME THAT I WOULD RECEIVE A REFUND DUE TO THE FIRE DANGER.

FORWARD ALL INFO TO CREDIT CARD COMPANY " CITI '' " CITI '' IS FACILITATING THE FRAUD
Consumer complaint received 2021-11-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (GA)

I called ICS and informed them this bill was reporting on my credit report, they asked me to verify my Social Security #, They then told me that not the one they show on the account, they ask for my address, and then told me they couldnt discuss the account, then I gave them my date of birth, and then she said Oh Now I can discuss the account with you. I informed her that I never lived at the address they had on file, and the mailing address wasnt mine. The collector tried to get rude and tell me that I still owed the bill, i told her I didnt. I sent them a letter of dispute XXXX and called back XXXX they told me thd anything from XXXX or IC System about this bill ever. This is not my account or bill. ey never received the letter of dispute and I owed the bill, I told her not my bill and I didnt owed, she then told me to fill out an ID fraud account, I then asked her why and how would I fill out a fraud account, when the information they have it not my info except for my date of birth she said then you owe the bill, I called back XXXX they now have my billing address ask them how they get it, the repp got rude and told me to pay the bill. I asked for a manager, who then told me that they had my dispute and I asked him why did they change the address on file to my address on file, they then told me well we will have XXXX verify it,. I demanded he close this out and remove it off my credit and send it to XXXX, He said well I see the account now in dispute. I hung up. I have never ever receive. IO sent them another dispute out on XXXX
Consumer complaint received 2021-09-22
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. (TX)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.
Consumer complaint received 2020-10-20
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (TX)

I have two accounts with Synchrony Bank for a store called XXXX XXXX. One account has my husband as the primary and the other has me as the primary. We have been paying these cards down for over a year and on XX/XX/2020 I overpaid my husband 's account by {$440.00}. I realized this and called Synchrony Bank on XX/XX/XXXX. I asked them if they could move that money over to my primary account and they said no. They said we only refund through checks. I waited four weeks and no check came. During that time we did not have funds for my primary account to get paid and I received a letter saying my credit limit went down {$3000.00} and I was reported to the credit bureaus and received harassing phone calls daily. We are down one income and Synchrony bank purposely XXXX  me. I want my credit limit back up, the credit bureaus told it was their fault and made right. On XX/XX/XXXX when I called into synchrony about the overpayment, they said they would send out a check to be here within 7-15 days. I said ok. I counted on that check and because we didn't have the money in our account at that time, we were charged {$200.00} bank fees. On XX/XX/XXXX I believe it was I called synchrony bank back and told them I never received the check. I told her to overnight it to me as I needed the money and she said no, they don't do that. They will send out another check which I will receive in 7-15 days. They refused to overnight it again even though it was their error. Today is XX/XX/XXXX and I called again only to be told oops, they did mail it out, but not sure what happened. During these three months I have received every statement for each month without a problem, but no check. I am told constantly that it can't be their XXXX up and it must be the post office. I'm sorry, but everything else makes it to my mailbox so doubtful two checks just didn't get here. this is a multi-billion dollar company that uses offshore assistance to save even more money and they can not handle giving someone their money back? They XXXX me one way and now another. Their interest rates are already appalling. This is theft and fraudulent accounting to credit bureaus. Why do you let them get away with this? At this point I should be able to get a check overnighted or a transfer of funds back into my bank account since that is how they are paid. During covid they have no ability to do be honest, do their part as best they can and give grace to customers that they have made plenty off of.
Consumer complaint received 2020-11-16
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. (NV)

XXXX XXXX XXXX XXXX, NV, XXXX Was added to my credit report through identity fraud. I have made requests directly with the company to remove. I have filed a complaint with the CFPB to have the address removed. Equifax sent a letter saying it was removed but it still appears on my credit report.
Consumer complaint received 2021-09-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (AL)

Chime bank denied my dispute. I want proof of how they can deny me, IT WASNT ME. I had 2 transactions ( ATM withdrawals ) come out on XX/XX/2021. One was at XXXX XXXX  in the amount of {$400.00}, the other was at XXXX XXXX, in the amount of {$43.00}. I didnt realize my card was missing, but my phone was missing from work on the night of the XXXX. I never thought about my card. On the afternoon of the XXXX of XXXX, my phone appeared back at work, but had been completely reset. Still had not noticed my missing card. Didnt need it. I thought it was strange about my phone, but was happy to have her back. Well on the XXXX I went to get gas, realized my card was missing. But, I tried to use XXXX XXXX ( connected to my chime card ), and it denied me for insufficient funds. Thats when I looked at my account and realized. {$440.00} missing. I immediately made the dispute, and turned in letter that night. Well, today, day 10 provisional credit day, and they deny me. I am losing everything because of this, power, rent, and theres no way they can stand behind their findings, because it was not me that took that money. Someone stole my phone and had fun. They will not really talk to me or give me a good reason for denying me. Wont let me talk to a superior. How can they deny me? I have a police report now, as well. Because there have been numerous cards opened fraudulently in my name as well. Please help me. My email is XXXX. XXXX is my first name. Thank you in advance.
Consumer complaint received 2021-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (MT)

I had a residual interest charge of {$11.00} on my XXXX statement for the time between when Chase banks previous billing cycle closed on XX/XX/XXXX, and when Chase received your full payment of {$1700.00} on XX/XX/XXXX. 

When I made the payment of {$1700.00} it created a credit balance of {$12.00} on my Chase account, which was refunded to me on XX/XX/XXXX. Because the refund was prior to the residual interested billed on XX/XX/XXXX, a balance became due on the account. Since the account was on AutoPay, Chase attempted to process payments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, for the balance ; however, the payments were returned due to stop payments placed. 

During Chase Banks review of the information I provided, Chase found that I was incorrectly advised by a Chase banker to ignore the alert we sent about the balance owed on the credit card account. Chase told me, on XX/XX/XXXX, that because of this error, Chase submitted a request to the credit reporting agencies to remove the tradeline from your credit report. 

It is now XX/XX/XXXX and bankers are still able to see a " late payment or negative record on my credit report. '' I know this because my request to increase my credit limit has been declined, and a credit banking specialist told me it was because of this reason. If my credit report has actually been fixed, then why is it that bankers are able to see an issue with my credit report on their end?

I requested a credit increase at both Chase, and XXXX XXXX- and both were denied. I requested a credit increase with Chase on XX/XX/XXXX as was denied. I want to know : why was I denied? Ironic, that Chase denies my credit limit increase with their own bank, because of a negative record on my credit report that was caused by a Chase bankers error. 

I have been dealing with this since XXXX. XXXX Chase misguides me and hurts my credit for most of the year, and now after they tell me that its been fixed bankers actually still see an issue. I want whatever the bankers see as a negative record actually, literally, and immediately removed. Sufficient time for my credit report to be updated ( on the bankers end ) without a negative record has passed. 

The thing is that, when I look at my credit report, it seems perfect and I have excellent credit ( as it should be. ) But bankers at Chase, and at XXXX XXXX, apparently see something different, which is making them believe I have a negative record - and this is the problem. This should not be the case. I should have no negative record at all. Any negative record that even existed at all is because an error a chase banker made, and that they " resolved. '' My problem is with Chase bank- they caused this issue, penalized my credit, and then still haven't done what is necessary to see that the record is removed so that I can enjoy the privileges of somebody that has excellent credit.
Consumer complaint received 2021-09-01
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. (NY)

I requested my consumer report on XX/XX/2021 from XXXX, XXXX and Equifax Information Services LLC. When I received the report, there were accounts and inquiries listed that I never gave consent to be reported. According to 15 USC 1681a ( W ) the term " bureau '' means Bureau of Consumer Financial Protection. At no time have I ever signed a contract with XXXX, XXXX and Equifax Information Services LLC ( widely known as two of the three major credit bureaus ) that would allow them to report my private information and/or to third parties. In accordance with 15 USC 1681a ( q ) ( 3 ) this constitutes as identity theft.
Consumer complaint received 2020-10-20
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. (CA)

We purchased flights and hotel to XXXX, XXXX XXXX XX/XX/XXXX-XX/XX/2020 ) on XX/XX/2020 for {$2900.00} and used my Chase Debit Card. I requested a refund because i removed an excursion and it was for the amount of {$340.00} which i did get back on XX/XX/2020. In XXXX the site, XXXX  closed down and never returned my purchase of {$2500.00}. I filed a claim through Chase on XX/XX/XXXX. I got the funds returned until they finished investigating and on XX/XX/XXXX they denied my claim and removed the amount from my account. They said that the transaction was correct and that I have to go through the XXXX XXXX XXXX XXXX. Per VISA we only have 120 days from date of purchase to dispute a transaction. The issue is that I can not go through the agency because they have been closed for months and im not sure how to get this money back. The bank should be able to refund this purchase that was never completed.