davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (CA)

Like in XX/XX/2019, I received over the mail a promotion for an XXXX credit card. They offered me XXXX miles if I was approved for their citi/XXXX credit card. 

While submitting the application online, the system did NOT approved my application with a note that an agent would contact me. Like 10 days or so later, I received a welcoming docs over the mail Citi " Premier '' credit card instead. At that moment I remembered that it happened in the past when I also applied for the Citi/XXXX card online and Citi sent me a different card that I also rejected! 

I called them asking for an explanation, and they let me know that in order to get that promotion, I must have not owned or applied for the " famous '' Citi/XXXX in the last two years. So, I let them know, if I did NOT meet the requirements to apply, 1 ) why they sent me the offer ...

2 ) why they took the liberties to approved me for a different card without my consent! 

So, I canceled that credit card. My credit scored suffered for nothing! 

At the end, I have to call them again, because I received over the mail a statement with the charge of {$95.00} for the annual fee ...
Consumer complaint received 2019-05-23
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (SC)

I have had an Amazon store credit card since XX/XX/2016. It is managed the Sychrony Bank. I have had my limit increased from the beginning of {$1000.00} up to {$1300.00} dollars. I have repeatedly always made my payments on time. They have reduced my limit now 3 different times and are damaging my credit score everytime because of reducing my open availability. There is no warning or reason given as to why they are decreasing my limit. I have had it with major corporations damaging the ability and credit of regular people making their payments on time. The current FICO system is flawed as it is. We as consumers do not need to be at the mercy of big banks making it worse for us to keep our credit profiles up. It is easy for them to bring or scores down quickly but it takes an army to get them to bring it back up when we are paying our debt service on time. I want my scores update correctly by the bureaus and my limits restored so my credit score reflects it. This is not the only company that has done this to me. It was also the victim of this practice by XXXX XXXX XXXX XXXX XXXX. Apparently this is an inherent practice by banks on their customers that pay on time and pay their obligations off.
Consumer complaint received 2019-05-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Fidelity National Information Services, Inc. (FNIS) (NV)

On XX/XX/XXXX, I made 2 purchases using my XXXX XXXX XXXX provided by XXXX XXXX XXXX in the amount of {$57.00} and {$4.00}. I also made a purchase on XX/XX/XXXX for {$6.00}. All of these charges show as processed through my bank account. On XX/XX/XXXX I discovered my XXXX XXXX XXXX had been restricted due to non-payment from my bank. I contacted my bank and they show that all charges did go through as they are shown on my statement. 

The first time I contacted XXXX regarding this they told me I would need to wait a few days for it to clear their system and to call back later. The second time I contacted XXXX they told me to call back later because they were having system issues. The third time I contacted XXXX they told me that they showed payments still had not been received and that I needed to contact Complete Payment Recovery Systems, Inc. regarding the charges. 

Today, XX/XX/XXXX, I contact Complete Payment Recovery Systems, Inc. and they do show that all of my charges have been paid. However, 2 of the charges had to be " resubmitted '' and due to that I am being charged a {$25.00} fee. When I asked them about the fee they told me that XXXX had to notify me of the fee, even though they were the ones charging me the {$25.00}. According to the Complete Payment Recovery Systems , Inc. floor manager that even though they were the ones charging me the fee that based on " cfpb law '' they are not required to provide me with the terms and conditions showing where the fee came from and that XXXX would have to provide that to me. Even though this fee was being charged by Complete Payment Recovery Systems, Inc they assured me that they had no requirement to furnish proof of that fee and did not need authorization to charge my bank account directly. 

After getting nowhere with that call I contact the XXXX customer line again to ask about the terms and conditions of this fee. I was assured, by agent XXXX, that it was in the pamphlet that had been provided to me when I received the card, but beyond that they could not provide me with the terms and conditions. After repeated attempts with the XXXX agent trying to get some sort of back up or reasoning for this fee, even though my charges went through to my account, I was told that I would have to call back at another time.
Consumer complaint received 2019-05-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (GA)

The company is trying to collect on a debt from XXXX XXXX. The account in question was terminated years ago due to the service being extremely poor and not being able to make calls in my area or really have in service at all. XXXX was communicated with several times to fix the issue and it went on for months and they still didn't fix it. I had no choice but to end my service I wasn't able to use my phone without calls dropping. I told them if they didn't fix the issue that I would be terminating my contract. Now they are trying to collect on early termination fees and for a service I couldn't use. This isn't fair and I would like this off my credit immediately. I am searching my emails to find the old chats between me and customer service filled with complaints for the horrible service.
Consumer complaint received 2019-05-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Critical Resolution Mediation LLC (PA)

On multiple occasions a company called with the # XXXX. Called my phone, my husband, my dad, my sister and my brother in-law. They give all of my information to every person stating i owe a certain amount of money to XXXX XXXX which i don't even have on my credit report anymore. They then yell at you saying they will take legal actions and arrest and put you in jail for this situation. I then call back asking them to stop calling me and to leave my family alone and they just hang up on you. The last time i spoke with them and asked them to stop calling me was yesterday XX/XX/19.
Consumer complaint received 2019-05-23
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: NAVY FEDERAL CREDIT UNION (NC)

I found out end of XX/XX/XXXX that there was an account for a credit card I didn't recognize, this account is showing on my report and the bank is Navy federal credit Union. My ex-husband open and used this account on his own with my information, without my consent.I called NFCU and they help me report the fraudulent account, however, they are telling me that since the account was set up in my name I'm responsible for any balance. XXXX XXXX had set up the account using his email, phone number, mailing address, setting up username and password as well. it seems that has been using this account to pay off credit cards on his name making balance transfers electronically. I believe he was not able to open an account on his name with NFCU due to the fact that he previously filed bakruptcy. Also, I remarried and changed my name legally in XXXX.
Consumer complaint received 2019-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I signed up for this credit card because it advertised {$150.00} cash rewards after spending {$500.00} in the first 3 months. I did not get the reward so I called. It clearly says for the card I received {$150.00} cash back. The directed me to scroll down and the fine print contradicts the advertisement. This is misleading, deceptive and false advertisement. Here is a link to the page. There is a ( * ) next to the claim of {$150.00} cash back. This is supposed to lead you to the fine print that contradicts it. https : //www.capitalone.com/credit-cards/cash-back/quicksilver/
Consumer complaint received 2019-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NY)

Ref. : WELLS FARGO BANK, N.A. - a/c opening Branch : XXXX XXXX, NJ Our a/c # XXXX - Balance as of XX/XX/XXXX {$240000.00} Since XX/XX/XXXX, the bank, for unexplained reason, unilaterally blocked/closed the account and held the sizable balance which was released to me/us over five years later, in XXXX, after 52 letters to the bank and to various Agencies ( Attorneys General, OCC,  Banking Dept, etc. ) were filed. 
Furthermore the bank asserted that our money had been turned to the State Dormant Accounts and that a check was mailed to me/us. No evidence ever given. 
Since I/we claim financial damage for the abusive activity of Wells Fargo, please intervene with your authority to have the issue settled. 
Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX - XXXX XXXX
Consumer complaint received 2019-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: HSBC NORTH AMERICA HOLDINGS INC. (CT)

In XXXX I applied for a new credit card to assist in credit card debt. The offer was received in the mail from HSBC for 0 % apr for 15 months on balance transfers within 60 days of account opening. There were some delays in application being approved due to a previous fraudulent incident in my name. There were extra steps taken on HSBC side to ensure I was in fact who I say I was. I recieved my card in the mail weeks later and was welcomed to HSBC, within this package was my credit card and Account information. Until I rec 'd this information I could not use my card, they was an activation code given in yet another piece of mail that was rec 'd days later. On XXXX XXXX I was able to use my card after activation. I then wanted to make a balance transfer, on XX/XX/XXXX I made this balance transfer. I was not notified that I was outside of the 60 day window and assumed I was not. I received my card welcoming to use my account on XX/XX/XXXX. It is not clear when this account was opened. The next month 's bill arrived and I was charged finance charges of 15.24 % on a balance transfer I thought was 0 %. I contacted the HSBC, there is no customer service # to talk to someone regarding this type of charge, I had to result to chatting. I chatted for over a XXXX hour and was told the 60 day window ended on XX/XX/XXXX., hence the finance charge and not receiving the 0 % on balance transfer. I asked why this date is chosen to end XX/XX/XXXX and was told my account was opened on XX/XX/XXXX. HSBC representatives were not willing to waive this finance charge due to being 24 hours late in transferring. Unbeknownst to me I had no idea my account was opened on XX/XX/XXXX and I could actually have completed a balance transfer on this same date. Very unrealistic seeing I could not use my card until activating with a secure pin # received XXXX. I believe this credit card company is misleading in stating account open, this credit card company should state account opening date somewhere on your credit card statement. This credit card company should state clearly what the balance transfer fees will be at the time of transaction base on the days of account open. This was a trick and a trap for me as a consumer and I believe would be for most consumers.
Consumer complaint received 2019-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (VA)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX. 
Washington, D.C. XXXX Thank you for offering this service to handle complaints. 

I found out about it from a column by XXXX XXXX in the XXXX  XXXX. 

In XX/XX/XXXX I looked up my credit rating on the website XXXX XXXX where it has ratings by XXXX  and Equifax. 

After noting a derogatory remark on my report, I disputed it with Transunion via their online website and they resolved and removed the discrepancy. When I tried to dispute the same derogatory remark via Equifaxs website, it was unable to verify my identity and said that I needed to verify my identity by mailing in a form and supporting documentation. Although the form said my request would be processed within fifteen days, I received no response. I sent a second form and documentation in late XXXX and received a letter response back. 

Although I noted on the Equifax form mailed in XX/XX/XXXX ( and XX/XX/XXXX ) that my address was in XXXX, VA, on the letter I received from Equifax dated XXXX XX/XX/XXXX it stated that I needed to verify my current address in Washington, DC - an address at which I had not lived since XXXX. 

I wrote them a letter on XXXX XX/XX/XXXX explaining that I had not lived at that Washington, DC, address since XXXX, shared my four addresses ( and dates at those addresses ) and enclosed various documents as proof. I also requested that the discrepancy that XXXX cleared be cleared on their ( Equifax ) records, too. It was sent Priority Mail, and was delivered at XXXX on XXXX XX/XX/XXXX according to U.S . Postal Service website tracking The documentation included : a copy of my social security card copies of the following documents that prove my address from XXXX and XXXX Form W-2 Wage and Tax Statement XXXX XXXX XXXX XXXX dates XXXX Form W-2 Wage and Tax Statement XXXX copies of the following documents that prove my address from XX/XX/XXXX to present Form W-2 Wage and Tax Statement XXXX Form W-2 Wage and Tax Statement XXXX Utility bill dated XXXX Gas bill dated XXXX Current twelve-month residential lease I have not yet received a response from them. This delay is affecting a major purchase I need to make in the next few weeks because I want mt credit score to be accurately reflected. 

Thank you for your assistance. I am available to answer any questions or provide additional documentation.
Consumer complaint received 2020-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CA)

I did not have access to my " online account '' for 3 months due to my family being severely affected financially and physically by COVID-19. 

When I was finally able to log in, I noticed I had a " delinquent account pending '' I immediately called and spoke to representative, explained to them the situation and paid the full balance. I also informed them that I had a financial hardship and that I was not aware that I was being charged a fee every month and that I never received a single phone call, or a letter in the mail stating that " my account was past due or I had " delinquent fees '' and how severely it was going to affect my credit line and score. 
They stated that because I had selected the " paperless '' option, they did not contact me directly. Therefor they marked my account as delinquent and affected my credit score tremendously. 

Citi/Best Buy credit line, did not care about the fact that I have been a loyal customer for over 5 years and that my family and I were affected severely by COVID-19. Never had I been late in any payments and even after I explained my situation, they showed no empathy and decreased my credit line from {$6000.00} to {$350.00} for " owing {$20.00}! '' If they would have called ONCE, I would have taken care of this payment immediately. 
Their team has poor communication skills and they do absolutely nothing to help resolve any credit issues. Their credit department advised me to go through the " Credit Bureau to see if they can further assist me ''
Consumer complaint received 2019-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (UT)

Back in 2017 after the large security breach, I placed a security freeze through each of the 3 credit  reporting companies - Experian, XXXX, & XXXX. This was a long, tedious process but it was finally accomplished. With XXXX I had no trouble lifting the freeze. However, I am finding that trying to unfreeze the accounts through Experian and XXXX  has been not only hard but nearly impossible. I was given pin # s to use by Experian and XXXX  but NOT by Equifax when I was ready to lift the freeze. 

I have tried repeatedly to have my security freeze permanently removed from Experian, using the pin # they sent me but it keeps giving me a security freeze error and then recommends that I call them at XXXX. This automated system does not give you the option of removing a freeze, only of placing a freeze or fraud alert and there is no capability of talking to a live person. I have also tried their site at experian.com/upload but keep getting the message that the documents are not loading. Although sending my information online has it's risks, I feel like sending all of my information through the mail feels like an even riskier option. 

As for XXXX, I do not know how to proceed since I can not find any paperwork they sent to me with a pin #, like the other two did. 

I would greatly appreciate your help with this problem. 

Thank you.
Consumer complaint received 2019-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (KY)

There is a joint account student loan that is reporting inaccurately, I have tried many, many times to contact the creditor and the credit bureaus to correct this issue. There are several inaccuracies across all three credit bureaus, how can three different bureaus report differently. These are two accounts with the same account number.? 
XXXX/XXXX XXXX XXXX/XXXX XXXX Both of these accounts are reporting differently across all three credit bureaus and has been for years, I have tried to no avil to have the information report correctly.
Consumer complaint received 2019-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

There is a joint account student loan that is reporting inaccurately, I have tried many, many times to contact the creditor and the credit bureaus to correct this issue. There are several inaccuracies across all three credit bureaus, how can three different bureaus report differently. These are two accounts with the same account number.? 
XXXX/XXXX XXXX XXXX/XXXX   XXXX Both of these accounts are reporting differently across all three credit bureaus and has been for years, I have tried to no avil to have the information report correctly.
Consumer complaint received 2019-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (OH)

Opened A new virtual wallet account a month or two ago and erroneously transferred money from the reserve checking into the spend checking And then the automatic system did it again which while I didnt incur a fee originally every day that its been negative it has it now the fees are totaling over {$100.00} I have to wait till we get paid again on Friday XX/XX/XXXX make that reserve current and not negative
Consumer complaint received 2019-05-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

On XX/XX/XXXX XXXX I was given a loan payoff quote for {$260000.00} good till XX/XX/XXXX. 
I sent 3 payments starting on XX/XX/XXXX of {$67000.00}, XX/XX/XXXX {$100000.00} and the last payment on XX/XX/XXXX for {$100000.00}. I sent the payments through online bill pay because the max amount allowed to sent was {$100000.00} thats why I sent 3 payments and also the payoff quote did not specify the money had to be in one lump sum just be there by the XX/XX/XXXX. When the first payment went through they took out {$980.00} in interest. This should of not been done because I already made XXXX payment on XX/XX/XXXX. So they took XXXX interest when they should not of plus theres only 14 days between XX/XX/XXXX and XX/XX/XXXX and the calculation of interest taken is incorrect. I called them on the XX/XX/XXXX and asked why my loan is not paid off and they said they had to forward this matter to another department and can take of to ten days. I called today XX/XX/XXXX and they said I will get a call back from a supervisor and never did.
Consumer complaint received 2019-05-23
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: COAST PROFESSIONAL INC (TX)

This company ( Coast Professional ) sent documents over to my employer as an government official. ( Documents attached ). I have never received documentation from this company or contracted with this company. Therefore I sent an affidavit to there company requesting jurisdiction and validated information and never received a response.I still have yet to see the contract granting Coast Professional the rights/Jurisdiction regardless of who they are stating they are working on the behalf of. I do not want to do business with Coast Professional. Attached is where Coast Professional not XXXX sent papers to my employer to garnish my wages. You still must prove your jurisdiction and answer the claim by affidavit per the law. Again, I dispute to contract with your company and we can get the XXXX involved if need be. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation between the debtor and Coast Professional Inc to pay debt collector which will give your company jurisdiction to report this debt on my credit and garnish my wages ( per letter attached ) .. Regardless of what type of company you are, you still have to have a contract between either you or I or the original creditor in which gives you obligation to try and collect a debt. If you didn't purchase this debt then you surely have an obligation letter to collect and provide to me. You have not provided anything regarding to the proof of claim request by affidavit from the commissioner of the court with matching government issued identification. Also, the cease letter was strictly for collection and has nothing to do with the proof of claim requested. All information requested by affidavit which is not to be treated as normal communication per FDCPA. This is your final notice to remove garnishment and any collection activity or a commercial lien and or suit will be filed against your company for dishonor, no jurisdiction and punitive damages.