davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-29
Product: Credit 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: CITIBANK, N.A. (TX)

I filed a dispute starting on XX/XX/XXXX with Citi Costco VISA regarding a charge for {$79.00} for merchandise that I never received. I have repeatedly informed Citi Card that I never received any merchandise from this merchant & that I wanted to continue with the dispute. I answered all the questions asked by Citi Card & sent all the requested support documentation including the order confirmation email I received from the merchant with my correct information & address ; & emails that I sent to the merchant asking them about my order & informing them that I never received the merchandise. Citi Card notified me on XX/XX/XXXX that the merchant informed them that the merchandise was delivered and therefore, Citi Card closed their investigation and reversed the credit to my account. The documentation that Citi Card provided to me from the merchant showed a package was delivered to a totally different address in a totally different state ; and was signed for by a totally different person. On a side note, my sister placed the same order with the same merchant on the same date ( XX/XX/XXXX ). She never received her order, but, her credit card company issued her a full refund with no problems. I believe that the web site that we placed our orders on was a scam. I am extremely disappointed in the customer service that Citi Card has provided.
Consumer complaint received 2020-08-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (CA)

I received a collection letter on XX/XX/XXXX from ERC dated XX/XX/XXXX for {$72.00}. The collection was on behalf of XXXX XXXX, who I was a customer of from XXXX for internet services. I have received no email or written communication from XXXX in three years. I called XXXX to find out more and discussed this with a customer service representative. The rep was able to find my account, which had been deactivated due to inactivity, and reported no outstanding balance, and could find nothing indicating a debt collection was sent. I was unable to contact ERC and could not find out more information on their website about my claim. I believe this is a fraudulent claim.
Consumer complaint received 2017-02-27
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (AL)

I have student loans through Navient and was seeking to resolve my loans. 
My school XXXX did n't fulfill the promise of certification and job placement after graduating. Now, I am just seeking not to payback the loans I have. My school XXXX has been re-named to XXXX located in XXXX, AL. My name is XXXX XXXX XXXX.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Continental Finance Company, LLC (FL)

I talked to XXXX  CONTINENTAL FINANCE twice in XX/XX/XXXX about their innaccurate reporting. Their system took 2-3 weeks to draw my payment in XX/XX/XXXX, i complained to them in XXXX that it was not late and was submitted by the due date, it was their system that screwed up, they refused to fix it and insisted it was late, I filed a dispute through credit karma in XX/XX/XXXX after asking them twice to remove it because it wasn't my fault, it was stated as changed in XX/XX/XXXX when the investigation was cleared, they took the late payment off, and the dispute was closed. My credit score dropped again and when i checked today, XX/XX/XXXXXXXX XXXX XXXX the same late payment was REAPPLIED TO MY ACCOUNT! after it was resolved!! How is that legal?? This credit card company is very shady and consistently takes 7 days-3 weeks to process my payments, leading them to sometimes bounce when they wait too long, then i have to submit the payment again and pay fees! Ridiculous!! Customer support is very rude and always insists its me not submitting things on time! Now my credit card is locked and i can't use it anymore when it was working after the dispute initially removed it. WOW.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (FL)

I received XXXX XXXX report consumer ID XXXX. Info on there not mine banks I never had accounts with. Email addresses and phone numbers not mine. I was a victim of fraud and waiting for police to send me a copy of the report. XXXX identity theft send me an email and said my social security number is on the dark web. I never had a bank account with XXXX  XXXX XXXX or XXXX XXXX XXXX or Wells Fargo. Please advise. Thank you. 
XXXX XXXX
Consumer complaint received 2024-02-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Recovery Management (MN)

This complaint is in response to FOX COLLECTION CENTER regarding an alleged debt per CFPB complaint XXXX. The debt collection company did not address the issues that were brought forth directly. In fact, they brushed it off carelessly. Negligence is also abuse. I did not receive any documentation from FOX COLLECTION CENTER as they stated in the initial complaint. The have failed to communicate to mitigate the issue regarding violations that were brought forth in the complaint. They have become a nuisance in this matter.
Consumer complaint received 2017-11-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

this company is trying to collect an unknown debt, I requested verification and validation of this debt including a signed contract of me agreeing to pay this debt. not only did this company not provide it, they are reporting this to my credit which is violating several laws. 
It is also reporting twice on mt trans union report.
Consumer complaint received 2024-02-29
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: ClearOne Advantage, LLC (CO)

ClearOne Advantage took money toward Debt Consolidation and didn't perform their due diligence. I canceled the program and asked for a refund of all moonies in my account and since XX/XX/24 the account has gone down {$100.00}. They have not sent me any refund yet.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

My XXXX XXXX XXXX son who had a Cap One XXXX XXXX based off my account was scammed. He tried to deposit the same fraudulent check three times -rejected each time. 
I was told he was barred from opening an account at Cap One XXXX! for a kid mistake. Spent hours trying to get a reason. Never got a real response. Wrote to President. No response. Fraud case number XXXX please help
Consumer complaint received 2016-07-29
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

I suddenly discovered that Bank of America had closed out one of my credit card accounts after I had fully paid it off and the other XXXX credit cards the credit limit was reduced to the outstanding balance I still owed without my permission or knowledge and for no good cause. I 've had those accounts for several years and kept a loyal relationship with BOA and slowly worked my way up. Since I was not properly informed by BOA my credit card was closed out, I received a late fee charge on a bill I paid and the payment was rejected and had to pay the full outstanding amount in order to restore my service for a total of {$560.00}. I would like BOA to reimburse me and to re-open my my credit card and restore the line of credit I had achieved on all my BOA credit cards. Closing out my account and reducing my line of credit will affect my credit score and has affected me personally. I also filed an internal complaint with BOA on XXXX XXXX & XXXX, 2016.
Consumer complaint received 2017-05-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (WI)

In   XXXX  , I contacted my student loan servicer  ( Nelnet )   about enrolling in the  Public Service Loan Forgiveness  program. In order to qualify, I was advised to change from a standard repayment plan to EITHER an extended or income-based plan.  Nelnet  has documentation that this was the advice that I was given. On the basis of this advise, I switched over to an extended plan, only to find out  three years later ( on my own - not through Nelnet ) that the 30+  loan payments I made while working for a qualifying  XXXX  ( c )  XXXX  nonprofit do not count toward the  120 payments that I need to make for my loans to be forgiven because despite what I was told by Nelnet , only the income-based plan - not the extended plan - is considered a qualifying plan under PSLF. I contacted Nelnet  and they acknowledged that they gave me incorrect advice, but refused to take any action to rectify the situation. Who knows how many people besides me are enrolled in extended repayment plans under the false impression that their payments are counting toward their debts being forgiven due to shoddy advice given to them by their loan servicer.
Consumer complaint received 2024-02-29
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: SANTANDER HOLDINGS USA, INC. (ND)

My lease vehicle was destroyed in an accident on XX/XX/year>. I called XXXX XXXX the next day to get a payoff quote, and was told that the payoff was {$19000.00}. My insurance company immediately started the claim process, and determined the vehicle was worth {$22000.00} at the time of loss. XXXX XXXX was very uncooperative with my insurance company and wouldn't communicate with them or give them a letter of guarantee for more than XXXX days. In the meantime, I had to make an additional lease payment of {$300.00} which included a {$30.00} late fee that they wouldn't wave. After more than XXXX dozen requests by myself and my insurance XXXX, XXXX XXXX provided a letter of guarantee in XXXX, requesting that my insurance company send entire loss amount to them, less the {$500.00} deductible, and then XXXX would reimburse me for the overage. My insurance company paid them {$21000.00} for the vehicle, then XXXX decided that I needed to pay for the extra miles that the vehicle had, so instead of refunding my {$21000.00} - {$19000.00} = {$2100.00}, they decided the amount of {$300.00} would be a more appropriate refund to me. I asked for a breakdown, and expressed my displeasure, as I planned to purchase the vehicle in XXXX anyway, had the accident not occured. i don't feel that XXXX is entitled to take a milage discount when they were paid for the vehicle, and didn't get it back. The entire difference between what my insurance company paid, and the estimated buyout of lease should be paid to me.
Consumer complaint received 2024-02-29
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

XX/XX/year> XXXX I came into cash a check from a lawsuit that involved my minor children and I was offered an opportunity to open an account. I explained id just like to cash the check because I would like my funds same day. They ensure me I could just make minimum deposit to open checking account and I asked was it an opportunity account or a regular account. I had to talk to several people in the bank to cash a check that had supporting documents from law firm and it was a business day they could have called bank. It was definitely a case of discrimination. they offered right away to just close the account they convinced me to open because I'm not a part of the demographic they usually serve. Very unfortunate event.
Consumer complaint received 2024-02-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (MI)

I completed an {$3000.00} international wire transfer at my Chase bank at XXXX XXXX, XXXX XXXX, Michigan on XX/XX/year>. I provided the correct account details for recipient. Today XX/XX/XXXX, the funds have yet to arrive at recipient bank. I have provided recipient bank with the XXXX and bank confirmed that they have not received funds. 

Chase bank has stated that the intermediary bank rejected the wire on XX/XX/XXXX but have not returned funds and that the intermediary bank is not responded to their messages. Chase is unable to trace my funds or give an update on when funds will be returned to my account. 

I have contacted Chase bank wire department by phone several times within the last XXXX weeks. 
The associates who answer the phone are located in the east and seem to be very confused as to what is going on, Ive had to explain the situation every time and sometimes multiple times per call. There is no follow up, I am the only one reaching out to the bank even though they have promised to escalate this and keep me updated. 
Ive asked to be transferred to a Chase agent in the United States but was told this is not possible as there are no US agents.

I am very concerned that my funds have been stolen and will not be returned.
Consumer complaint received 2024-02-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (SC)

I XXXX XXXX is writing this letter because of a debt that was placed on my credit profile by Jefferson capital systems ( XXXX  XXXX ). I was unaware of this debt until it appeared on my credit report. I didn't have the opportunity to assess or dispute this debt. If in fact you believe you gave me proper notification, please send me a copy of the certified receipt with my signature proving delivery and receipt. It is understood that a debt collector has 5 days to put me on notice that they acquired the debt from the creditor. I am to be notified by certified mail or mail with a tracking number advising me of the debt prior to the debt being placed on my credit report. It is my right to be in the position to dispute the debt prior to this debt being placed on my credit report. If you can not prove you notified me of this debt prior to adding this item to my credit report, the debt must be removed as it is a violation of my consumer rights.
Consumer complaint received 2021-11-01
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. (MS)

On XX/XX/2021, I placed an order for a used XXXX XXXX on Amazon.com. A 3rd party seller called " XXXX XXXX XXXX '' sold me the XXXX for {$420.00} on Amazon.com. On XX/XX/2021, the charge appeared on my Chase credit statement. I received the XXXX in the mail. I played the console for about 2 weeks, and then it refused to power on. I tried different power outlets and held down the power button. The XXXX would not power on. 

I went on Amazon.com and requested a replacement. Amazon.com shows that a replacement order was shipped and was scheduled to arrive by XX/XX/2021. The XXXX never arrived. I contacted XXXX and they reached out to " XXXX XXXX XXXX ''. " XXXX XXXX XXXX '' confirmed that they received the XXXX I sent back. The seller refused to send me a replacement XXXX or issue a refund to my Chase credit account. I contacted Chase Bank to file a claim for a refund. Chase Bank issued me a refund of {$420.00} while they investigated my claim. Then, Chase Bank denied the claim and reversed the {$420.00} refund. I closed the Chase credit account. Now, I don't have a XXXX and {$420.00} is charged to my ( closed ) Chase credit account, the charge will accumulate interest, and the charge will negatively affect my credit score.
Consumer complaint received 2024-02-29
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (SC)

I XXXX XXXX is writing this letter because of a debt that was placed on my credit profile by Jefferson capital systems ( XXXX XXXX ). I was unaware of this debt until it appeared on my credit report. I didn't have the opportunity to assess or dispute this debt. If in fact you believe you gave me proper notification, please send me a copy of the certified receipt with my signature proving delivery and receipt. It is understood that a debt collector has 5 days to put me on notice that they acquired the debt from the creditor. I am to be notified by certified mail or mail with a tracking number advising me of the debt prior to the debt being placed on my credit report. It is my right to be in the position to dispute the debt prior to this debt being placed on my credit report. If you can not prove you notified me of this debt prior to adding this item to my credit report, the debt must be removed as it is a violation of my consumer rights.
Consumer complaint received 2024-02-29
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Debt Mediation, Inc. (FL)

ive asked PROFESSIONAL DEBT MEDIATION INC to validate this alleged debt and that have not been able to do so as well as ive sent them a cease and desist. They are absolutely violating the 15 USC 1692c ( c ) Ceasing communication - by reporting to my credit report they are attempting to communicate with me indirectly to get me to pay the alleged debt that they can not validate.ive asked FAIR COLLECTIONS & OUTSOURCING to validate this alleged debt and that have not been able to do so as well as ive sent them a cease and desist. They are absolutely violating the 15 USC 1692c ( c ) Ceasing communication - by reporting to my credit report they are attempting to communicate with me indirectly to get me to pay the alleged debt that they can not validate.
Consumer complaint received 2020-05-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: K A P S & CO (USA) LLC (MO)

THe original creditor is XXXX XXXX XXXX XXXX XXXX, a card was set up in my name by someone else, it was turned over to XXXX XXXX XXXX, I disputed it with the creditor and XXXX, they confirmed it was fraud, removed the balance owed and took it off my credit report, now it is with a new collection agency and is back on my credit. The original creditor, who I am a current customer with in excellent standing, says they show the prior balance was removed. They told me to contact XXXX who apparently sold it to KAPS, XXXX says they notified KAPS of fraud, but KAPS will not remove the debt from my credit.
Consumer complaint received 2017-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Franklin Collection Service, Inc. (AL)

Pulled my credit in XXXX 2017 disputed 4 alleged debts with the credit bureaus that Franklin collection services were reporting that was appearing on my report.After i disputed them with the credit bureaus and they can back verified.I then sent Franklin collection services a validation letter for each alleged account by certified mail and they fail to respond..
Consumer complaint received 2017-11-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In XXXX of 2017 when I moved out of my previous address I started getting major identity theft and someone using my identity and applying multiple times everyday for Banks and car loans and continued to use my information and insisted to not stop till I put an end to it and called the credit bureaus and one out of 3 was able to kindly assist me and remove all hard inquiries that brought up to almost 90 and now down to 30 but the other bureaus are giving me a hard time to remove them after months later and its affecting me and building my credit score and in the future to get a loan.
Consumer complaint received 2017-11-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management (AL)

While viewing my credit report, I noticed a debt that does not belong to me. Amerifinancial Solutions is reporting unverified incorrect information on my credit report. I do not recognize the debt that they are attempting to collect. This is causing unwanted stress.
Consumer complaint received 2016-12-29
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Dear XXXX, I 'm writing to report on the illegal close of my Home Equity Line account ( Account number XXXX ) with the Bank of America last month. 
Since I opened this account in 2015, I used it several times and paid all the balance back. I need this account in the future. 
I have contacted the Bank of America many times and was told to wait for 10 days for this account of mine to be reopened. However more than XXXX days have passed, I have not got my account back, yet. 
Please investigate what happened within the Bank of America and help me get my XXXX XXXX XXXX account back. 
Thank you! 
XXXX
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS ()

I am writing to formally request the freezing of my account 's. Due to inaccurate information in my credit report, I believe it is in my best interest to temporarily freeze the account until the matter is resolved. 
I kindly request the Consumer Financial Protection Bureau 's assistance in facilitating this freeze and ensuring the necessary steps are taken to protect my financial security.