davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-10
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (FL)

I want to send a serious complain about the terrible & not trust worthy practice Citibank is doing for their CitiGold checking account. I got invitation to open a CitiGold Checking account to open a CitiGold checking account for a XXXX XXXX XXXX miles promotion by meeting couple usage requirements, I got confirmation on XXXX/XXXX/16 ( see below ) that I met the CitiGold XXXX bonus miles promotion and meet the usage requirement and I will get my XXXX XXXX miles before XXXX/XXXX/16. 

I never got a bonus XXXX miles till today XXXX/XXXX/16 and I heard so many terrible complaints through XXXX search that Citi XXXX up and will not honor their XXXX bonus miles promise. 

I am request CFPB to step in to help me to resolve this False Citigold Checking promotion and get my XXXX miles credit ASAP. 

Thanks so much to protect consumer like me XXXX XXXX XXXX Account # XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - From : XXXX XXXX XXXX Date : XX/XX/2016 Subject : Re : Promotional Offer Reference : XXXX Dear XXXX XXXX, Thank you for choosing Citigold Online Messaging Services. My name is XXXX and I will be more than happy to assist you with the XXXX XXXX miles promotion for checking account ending in XXXX. 

Our records confirm you met all requirements for promotion code XXXX. 

The XXXX bonus miles will be credited by Citibank to your XXXX account XXXX within 90 calendar days from the date when you completed all offer requirements. Please keep in mind this waiting period is standard for all promotions and can not be waived. After your 90 day waiting period is complete or by XXXX/XXXX/16, the bonus miles will be applied at the end of the next statement billing cycle, which will be no later than the end of the XXXX 2016 statement. 

Please note, all promotions will differ and are targeted to specific account holders during specific time frames. If you did not receive this promotion via your Citi credit card statement, personal email, or through U.S mail to your home address you will not qualify for this promotion. 

XXXX XXXX, it was my pleasure providing the incentive information. I hope you have a great rest of the week! 

At Citibank, we take customer satisfaction seriously, and invite you to share your opinions about the service you received from me, XXXX XXXX. Please click the link below to take a short survey on your contact experience. You will need the reference number # XXXX listed above to complete your feedback.
Consumer complaint received 2016-11-28
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Avant Credit Corporation (MI)

I was approved for a {$5200.00} loan after submitting my bank statements and proof of income. I signed the online agreement and received my terms ( I had originally requested {$6500.00} but lowered the amount during the approval process ) .Then, citing a system glitch, I was asked to resign the online agreement, which I did, and the following day received confirmation the loan was approved. 

However, this loan was for the difference of the original amount requested ( {$6500.00} ) and the first approved amount ( {$5200.00} ) and {$1300.00} was what I received. I have all the paperwork proving they approved {$5200.00} and the payment schedule was set. I contacted Avant regarding the error and asked them to correct the mistake. I was told the original loan documents were sent in error and, upon review of my account, they can not approve {$5200.00}. 

While I understand terms and conditions may change during the approval process, my terms were changed AFTER approval and an agreement between the company and myself was signed for the agreed upon amount of {$5200.00}. 

The approval document for {$5200.00} was issued AFTER review and confirmation of my employment, income and credit history, not before, so any claim of an error that resulted in a review of my account finding me unworthy of approval is questionable, if not outright deceptive. 

I believe an error was made, however, I believe it was human error. Instead of acknowledging this, a " system glitch '' was cited rendering the original contract for {$5200.00} invalid and now the company will not rectify the situation to provide the funds originally promised.
Consumer complaint received 2016-08-12
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: World Acceptance Corporation (GA)

I have notified World Finance that I was a victim of Identity Theft, my wallet was stolen, I provided World Finance with a Identity Theft Affidavit. To date, World Finance has failed to remove this account from my credit file. So, I am in need of your assistance in getting this account removed from my credit file.
Consumer complaint received 2017-07-12
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. (PA)

I contacted Trans Union and XXXX on XX/XX/XXXX, I spoke with a representative, I explained that there were several inquiries on my report that was not authorized, they asked me to fax a letter to them and to list the unauthorized inquiries. I did that and I received no response and no results. I contacted them yesterday and they told me to do the same thing. A fraud alert has been placed on my account, and they still have all these inquires listed on my credit report. XXXX was the only credit bureau that worked with me to remove these inquiries and to issue a fraud alert.
<P/>
I have been unsuccessful with Trans Union and XXXX, I sent letters to the agencies who placed inquiries on my report, no response, I asked Trans Union and XXXX to identify if the information was correct, no response.
<P/> Both of these agencies have are reporting double inquiries from the same Company within 30 days of each other. The companies are listed below.
<P/>
Trans Union : XXXX was authorized but only once, they have it listed twice on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX was authorized once but listed twice on XX/XX/XXXX and XX/XX/XXXX.
XXXX was not authorized at all on XX/XX/XXXX XXXX XXXX was not authorized at all on XX/XX/XXXX or XX/XX/XXXX XXXX was not authorized at all on XX/XX/XXXX or XX/XX/XXXX XXXX XXXX  was not authorized on XX/XX/XXXX XXXX XXXX never authorized XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX never authorized XX/XX/XXXX, XX/XX/XXXX ( address was incorrect for me ) XXXX XXXX  never authorized XX/XX/XXXX XXXX XXXX XXXX XXXX never authorizedXX/XX/XXXX XXXX XXXX not authorized on XX/XX/XXXX ( only authorized once on XX/XX/XXXX ) XXXX XXXXs not authorized on XX/XX/XXXX ( only authorized once on XX/XX/XXXX )
Consumer complaint received 2017-07-12
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: D2 Management LLC (IL)

Today, XX/XX/XXXX I received a phone call from XXXX D2 Management A. they called before XXXX XXXX.
B. when i returned the phone call, they said they were looking for XXXX, but never verified my identity. C.  When I asked for prove of the debt, they declined to send it, saying they have sent it to the old address on file, being XXXX XXXX XXXX XXXX XXXX Illinois XXXX D. When I pushed to get a copy of the debt in writing, they pushed to saying that I was refusing to take pay my debt.
E. I then asked to speak to a supervisor, XXXX XXXX, and asked her the same, she refused to send proof of the debt in though the mail, and pushed to send it via email, which I continued to push for sail mail, saying it would cost them postage. Saying they have sent it to my old address on file, someplace I have not lived at since XX/XX/XXXX
Consumer complaint received 2017-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I applied for a capital one platinum card as referred by XXXX XXXX on XXXX XXXX, 2017 and was approved for a credit limit of {$3000.00}. I was sent a card and upon trying to activate was told it was restricted and was sent to the fraud department. I was told I needed to verify my identity and was sent a link to my email to upload 3 documents which included : my driver license, my social security card and a bank statement with my current address. 2 days later I was called by a rep from Capital one who said that they received my documents but my account had already been closed and cant be reopened. They wont explain who and why my account was closed. It is on my credit report.
Consumer complaint received 2016-12-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midwest Recovery Systems (TX)

About a year and a half ago I purchased a membership to XXXX over Texas. I paid off the membership, and have provided proof to the debt company that it has been paid off. I have been harassed for months about this issue. I have issued verbal and written statements that they are not allowed to call me again, that the debt was paid, and that they have received proof of payment. They have acknowledged all of this, yet they continue to call, sometimes multiple times a day, and harass me at home and at school. They have used intimidation tactics, such as saying if I do not pay the debt in full they will destroy my credit. They have talked to my father, invading my privacy and causing emotional and social stress. They have not, as they said they would, sent me proof that the debt is owed. It has been more than 30 days. They are being fraudulent and negligent. They have reported it, falsely, and it is impacting my credit negatively and harming my ability to take out loans to pay for college and get an apartment.
Consumer complaint received 2017-07-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (MD)

Last year, I purchased a tech support product from XXXX XXXX. It was a one time charge that was authorized. Today, I was sent notification that my debit card was charged {$100.00} for renewal of the plan. I never authorized the renewal. I called XXXX XXXX and was told that it would take 10 days to get my money refunded. I asked them to send me a copy of the contract showing that i had authorized an automatic renewal and they said that they could not provide it to me. I feel that this is deceptive at best. I never authorized an automatic renewal- I would not have done so as this policy is for a computer no longer in service.I also feel that it is improper to wait 10 days for a refund when no transaction was authorized. i 'm sure that I am not the only person that they have charged without authorization.
Consumer complaint received 2017-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

Credit bureaus reported I had a XXXX balance on my XXXX XXXX XXXX XXXX charged off checking account as of XX/XX/XXXX, after I paid the account in full. AfterXX/XX/XXXX the credit bureaus continued to report me late every single month, despite the balance being paid in full. The status was reported incorrectly almost 50 times severely hurting my credit score and ability to access credit. I disputed the XXXX XXXX XXXX XXXX late payments in XX/XX/XXXX when I discovered the error. The credit bureaus completed the dispute in XX/XX/XXXX without making the corrections and removing the false late payments from my credit report.
Consumer complaint received 2017-07-12
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (MN)

In XXXX my daughter who was attending the XXXX XXXX XXXX took out a Sallie Mae loan for {$11000.00} that I co-signed. Long story but I think she was XXXX class short of graduating. She is XXXX for XXXX XXXX and not making her payments of {$170.00} per month. This is causing me great financial hardship. I am wondering what recourse I have. Even if it involves legal action against my daughter. I just want to know my options and I think that Sallie Mae is the XXXXXXXX XXXX spawn. I do n't trust anything they tell me. They just throw you into a loop of lies and telephone holds. Hence, I am asking you.
Consumer complaint received 2016-05-20
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: AMERICAN EXPRESS COMPANY (PA)

I sent my XXXX check in to my Bluebird account. They have guidelines on how I can deposit which are : How do I add Checks by Mail? 

You can add funds to your Bluebird Account by sending a check in the mail to American Express ( " Check by Mail '' ). This is an easy way to add funds if you do n't have access to the Bluebird Mobile App or want to add a check greater than {$2000.00}. We accept checks of any amount in the mail as long as they meet eligibility requirements and you stay within your total annual account load and balance limit of {$100000.00}. * How do I add funds from a check to my Bluebird Account by mail? 

Make sure the check is payable to the name of the Bluebird Member as it appears on the Bluebird Card. 

Sign the back of the check. Make sure that all necessary endorsements are on the check ( e.g., a check made out jointly to you and another person must be endorsed by you and that other person ). 

Write your XXXX-digit Card number on the back of the check below your signature. 

Mail the check to : American Express, Bluebird XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX I sent this check from the federal government into them via mail to the address listed which is XXXX XXXX XXXX Utah address. This was under the XXXX dollar annual limit and was a federal check so it meets all their guidelines. I got notice today that they have suspicious activity on my account. I called them up and talked to XXXX, she said that I ca n't deposit an amount that large by mobile deposit, I told her I know and thats why I sent the original federal check to their XXXX utah address. She said bluebird ca n't accept the check for that amount, last month they froze my account from my social security funds now they freeze my account for depositing a va check for backpay for 5 years, the amount of this check was {$72000.00}, I am XXXX and it is difficult for me to always get out, this bluebird account allows me to make deposits into my account easily but then they freeze my account every month while they verify everything.
Consumer complaint received 2016-12-06
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Finance of America Mortgage LLC (VA)

XXXX company did not process the refinancing for XXXX mortgages in compliance with the Truth and Lending Act. As a results, I lost the opportunity to save thousands of dollars in savings. I also paid for {$900.00} for the appraisal fees that were not used. 
On XX/XX/2016, I applied with XXXX to refinance my personal residence and a rental property. After I submitted all the required documentation, the lender approved my application and promised to close within 60 days. The lender provided the disclosure documents on XX/XX/XXXX and the locked in interest rate agreements at interest rate of 2.875 % with XXXX discount ( {$2600.00} credit ) point for the principal residence and 3.375 % ( no discount points ) for the rental property. During next months, despite many phone calls, messages and emails, the lender did not do anything to reach the closing of the XXXX refinances. On XX/XX/XXXX, the lender called me and asked to renegotiate the interest terms since the initial lock-in agreements were expired. He offered new rates and I requested to lock-in 2.75 % ( no points ) for the residence and 3.375 % ( no points ) for the rental property. These new rates were significantly higher making the loans a lot more costlier. On this occasion the lender did not provide the disclosure forms, good faith estimates, and the lock-in agreements. Few days later I contacted the Lender to obtain the status and the lender responded that lock-in agreements. He mentioned having problems with this commitment desk. He also said that the interest rate are a lot higher. 

I believe that the Lender intentionally delayed processing the loan in order to let the lock-in agreement to expire and then offered hire interest rates that were not beneficial for consumer. The loans applications were not rejected I conclusion, I feel that the lender was negligent and discriminated against me when processing the loans applications and as a result I lost the opportunity to save ten thousands of dollars.
Consumer complaint received 2016-08-03
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: AMERISAVE MORTGAGE CORPORATION (MN)

I applied for mortgage w Amerisave and got approved. I reseived disclosure and I reviewed it on XXXX/XXXX/2016 and found error in the value I listed my house price ( I do n't know if I added XXXX or they added ) I flaged it several times and uploaded it to them on the same day. I followed that with phone calls to them and they told me not worry and it is normal mistake. They reviewed the disclosure and did n't update me on any any thing and proceeded with appraisal ( cost to me {$800.00} ). After the appraisal I received a new disclosure with over {$8300.00} of extra fees. This substantial amount and I 'd have stopped the refinance and appraisal over this since the refinance rate is the same as the original rate and this will take away large amount of the cash out. I asked for a refund for the {$800.00} but they refused. They clearly violated TILA and I disputed the charges with my credit card company. I 'd like your help in resolving this matter. Please advise on my options.
Consumer complaint received 2016-07-05
Product: Mortgage — Reverse mortgage
Issue: Application, originator, mortgage broker — 
Company: AMERICAN ADVISORS GROUP (OH)

I applied for a reverse mortgage at the urging of a loan officer and was refused the loan. I told her that I had a recent appraisal and that I did n't think I had the value needed. She looked at something in her office and assured me that she saw like homes with a much higher value in my neighborhood. I paid for the appraisal and consumer counseling at a sacrifice, to be told that my initial thoughts were correct. She told me what the appraisal was, it was more than I thought but still much to low to get the loan. I requested that she send me the appraisal and she never did.
Consumer complaint received 2017-05-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I received an APPROVAL letter from the IRS that was sent to  XXXX   County Circuit Court instructing them to remove the Tax Lein entry on my credit repor ts, I contacted the courts and they stated that they have no procedure to verify records with the credit reporting agencies. But the Credit Bureaus TransUnion, and   XXXX   did not remove the entry, but  XXXX  remove the entry after I sent a certified letter to them concerning this matter.
Consumer complaint received 2016-11-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Revenue Assurance Professionals LLC (TN)

I have been the victim of identity theft and as a result the following account # XXXX from XXXX XXXX XXXX was placed on my credit report. I have contacted this company and provided them with a valid copy of my identification as well as a police report and identity theft affidavit. They have failed to contact me, nor have they removed this fraudulent account from my credit report.
Consumer complaint received 2016-09-01
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: AES/PHEAA (NJ)

Filed Chapter XXXX bankruptcy on XXXX XXXX, 2016, this information is readily available on my credit report, through subscription services, and public record. Whether or not a debt is dischargeable or not, it is a requirement that all creditors abide by the " automatic stay '' instituted by the United States Bankruptcy Court. This particular collection agency did not follow this rule, nor can they claim ignorance of the filing as the proof of filing is readily available as previously mentioned. In fact, proof exists that the original creditor is listed on the bankruptcy petition. This agency made 11 phone calls and left the same scripted message during the " automatic stay '' provision, from number XXXX, the recordings have been saved. The dates and times are as follows : XXXX/XXXX/16 at XXXX, XXXX/XXXX/16 at XXXX, XXXX/XXXX/16 at XXXX, XXXX/XXXX/16 at XXXX, XXXX/XXXX/16 at XXXX, XXXX/XXXX/16 at XXXX, XXXX/XXXX/16 at XXXX, XXXX/XXXX/16 at XXXX, XXXX/XXXX/16 at XXXX, XXXX/XXXX/16 at XXXX, XXXX/XXXX/16 at XXXX.
Consumer complaint received 2016-07-11
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated committed crime not paying
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I was repeatedly contacted by Account Manager XXXX XXXX even after a open inquiry disputing several charges. I called to complain to their escalation department and the customer service representative said they are a " legal front team '' and implied that I had no right to complain about how disrespectful the Account Manager was to me. I insisted that I be connected to the escalation department where I can file a complaint. I requested a different Account Manager a XXXX XXXX. I was told I would hear back from them within 48 hours but not response after a week and she has sent another threatening letter giving me until XXXX XXXX to call her about the debt. Is this legal to be dealt with in such a matter? It is not my intention to evade the debt but with someone that is n't so rude.
Consumer complaint received 2017-01-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: ENCORE CAPITAL GROUP INC. (WA)

I have no contract with MIDLAND FUNDING. They are a known liar and fraudulent company. 
They need to PROVIDE ME PROOF that I signed my WET INK SIGNATURE with their company as they are reporting that I OWE them money as reported by XXXX on my XXXX 

TO MY knowledge, I HAVE NOTHING with them and therefore this debt is INACCURATE and A LIE/FRAUD. They are attempting to collect a debt I DO NOT OWE. 

Here 's what I just received by XXXX : Date ReportedXX/XX/2017 Collection Agency MIDLAND FUNDING Moved to Collection XX/XX/2017 Account NumberXXXX XXXX Balance Amount {$3000.00} Status Collection Source XXXX Credit Report Note : Because XXXX might be monitoring multiple credit report sources, we might send you similar looking notifications for this same activity. 
Questions? Please contact : Collection Agency MIDLAND FUNDING Phone XXXX Address XXXX City XXXX State CA Zip XXXX