davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-13
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

I signed up for a XXXX checking account in XXXX XXXX with a promotion for XXXX XXXX XXXX miles after meeting the following requirements : 1 bill payment for 2 consecutive months and {$2000.00} in debit card purchases in 2 months. I met the requirements in XXXX XXXX and confirmed with a Citi representative that I have met the requirements and would receive the miles in my XXXX XXXX account no later than XXXX XXXX, XXXX. Per the terms of the bonus offer, Citi has up to 90 days from the statement end date that the requirement was met to deposit the miles. As of XXXX XXXX, XXXX I have not received the miles and have not been able to get an answer from Citi as to when the miles would be posted. I have contacted XXXX XXXX and confirmed that they have not received any miles from Citi. Citi has not fulfilled their end of the bonus agreement and I would like the miles deposited to my XXXX XXXX account ASAP.
Consumer complaint received 2016-06-13
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CITIBANK, N.A. (ID)

Home Depot financed repair & restoration of my kitchen severely damaged by water leak + upgrade in kitchen cabinets at the same time. Approximately {$14000.00} at no interest. Monthly payments all on time, but recently received a bombshell cumulative interest added of {$6000.00} +, when the principal was about {$3000.00}. Now the balance is {$9000.00} +. I outraged by this scam, and want to take legal again against them.
Consumer complaint received 2016-06-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX sent me a letter on XXXX XXXX, XXXX indicating that the XXXX reporting agencies would correct the delinquency errors on credit reports. An automatic stay had been issued on XXXX/XXXX/XXXX and XXXX mistakenly placed a delinquency on my report on XXXX. XXXX and XXXX corrected the error, but Transunion continues to list the loan as an adverse account. I disputed the account and uploaded a copy of XXXX letter ( attached ), Transunion removed the delinquency date of XXXX, updated my report to indicate I disputed the delinquency, listed the loan under adverse accounts, and will not remove the account until XXXX. Transunion has flagrantly ignored the directive from XXXX XXXX for almost 2 years.
Consumer complaint received 2016-06-13
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (PA)

Toyota sent me a letter XXXX XXXX stating that they would remove negative credit reporting that occurred on my account in XXXX XXXX. I co signed on a car loan with someone and through no fault of my own the payments were late and I was never notified of this serious delinquency, until after the negative credit reporting already occured. Despite Toyota having my phone number and home address, they chose to send me a letter more than 2 months after the account went delinquent, thus not allowing me to speak to the cosigner, or if necessary make the payments myself to get the account current. Toyota gives me this letter, advising that they were removing the marker, but the marker is never removed and on top of that, they then report me XXXX 60 days, despite the letter saying that they were taking off the 30 day and that I had no other negative reporting. I have attempted to resolve this with them to no avail for almost 6 months, and they refuse to do what I have in writing that they said they were going to do. This have severly impacted my credit and I want them to honor what they said they would do in writing. This car loan is almost paid off, and it 's unacceptable that they send me a letter that says this, then refuse to do it.
Consumer complaint received 2016-06-13
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: AMERICAN EXPRESS COMPANY (IL)

On XX/XX/XXXX, I made a purchase on XXXX with my American Express XXXX Card for wine " futures '' - wines which I pay for now, that will be delivered up to 3 years later. Unfortunately, the merchant, XXXX filed for Chapter XXXX Bankruptcy protection ( during the 3-year waiting period on XX/XX/XXXX ) and wo n't be shipping the wine to me. I have neither received the product, nor a refund from XXXX. American Express is refusing to issue a refund, stating that they only have 540 days from the date of the transaction, to start a dispute. Unfortunately, the clock should start after the product was supposed to be delivered, not after the initial transaction. XXXX XXXX XXXX wines are often purchased as " futures '' two or three years in advance of receipt. I am requesting a full refund of my AMEX purchase for {$3300.00}. Can you please help me?
Consumer complaint received 2016-06-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have repeatedly disputed an account listed on my credit report as not being my account. After submitting numerous requests to XXXX XXXX for validation of the debt without response, I disputed the account with TransUnion. TransUnion supposedly investigated it and came back and said that proper validation was provided to them. I asked to see said documentation containing my signature since I would have had to sign a lease ( this is a collection account for an apartment complex ). I was provided a XXXX page accounting with the name " XXXX XXXX '' and the address of the apartment complex on it. I again asked for proof this was my account because I did not enter into any lease agreement with that apartment complex. XXXX XXXX will not provide it to me and TransUnion will not say anything other than the account was properly validated. HOW CAN IT BE VALIDATED IF YOU HAVE NO DOCUMENTATION CONTAINING MY SIGNATURE?? TransUnion will not remove this account even though it has not been able to properly validate it as being my debt. I have repeatedly asked to see the documentation proving it is my debt. Neither TransUnion nor XXXX XXXX has been able to provide any such document. THIS NEEDS TO BE REMOVED FROM MY CREDIT IMMEDIATELY!! Thank you.
Consumer complaint received 2017-07-15
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: Nelnet, Inc. (FL)

Nelnet has consistently been a problem. Nelnet   XXXX    XXXX  &  XXXX  has been reporting errored information. I have never applied for student loans and to have an accurate errored account reporting monthly and I have been trying to remove this items for a year now. I 've sent letters, I contacted them and all I 'm told by these credit bureaus that they never received any documents.
Consumer complaint received 2016-06-13
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: P&B Capital Group, LLC (NE)

Got XXXX calls on my home phone from phone # XXXX at XXXX and XXXX on XXXX/XXXX/2016, Caller ID said only XXXX, NY. Immediately after, I got a phone call with a voice mail on my cell phone threatening me with a lawsuit in my county if I do n't immediately take care of this. I have received nothing in writing, no validation of debt, and this is far beyond the five year Statute of Limitations even if it is a debt I may owe. In fact, this debt does not show on my credit report, so I do not believe it exists. 

The number is a Voip number with no legitimacy, so this is more than likely a junk debt collector that has bought information from somewhere.
Consumer complaint received 2016-10-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

I recently pulled a copy of my credit report and noticed the following information are in error : Credit Inquires : The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following credit inquiries are related to none of the aforementioned permissible purposes : XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX And XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX You have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As you have now violated federal law, by not properly investigating and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. 
I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
Consumer complaint received 2016-10-14
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (PA)

I had an account back in 2015 that i used to cash checks. One day I learned that they manually canceled a check i wrote online to the copyright office without my consent so I immediately closed the account for that was a very personal act. A few months later I went into a location on the better side of town to discover it was never closed. I went through the closing process a second time after informing XXXX location what occurred. I later went into another location where the teller began to act funny when i told her my issue. This was the location near the university i attended. I believe it is a network of university students doing this to other students they observe on campus for politically motivated reasons.
Consumer complaint received 2016-10-14
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

Capital One - 1 ) Refused to give me credit for the rewards dollars I accumulated on their credit card. 
2 ) Refusing to close my account twice even with a zero balance I opened a credit card account with Capital One earlier this year. The magnetic strip on my card stopped working so I requested a new one. During this time we moved to a new address for the first time in 28 years. They suspended my account and asked for all sorts of written documentation to be faxed to them. It would have been difficult to locate, given our move, and I would have had to travel some distance to a XXXX office to fax it, so I refused. I asked them to close my account and credit me for the {$120.00} of cash rewards I had accumulated. They refused. They made me pay my account in full without using my credits saying it was because they had suspended my account, so I 'm out the {$120.00}. Then they never closed my account as I requested despite having a XXXX balance. I just made a second attempt to close the account, was on the line for 30 minutes, and then they refused to do so until an investigator finished " investigating the account. '' I told them I was making notes of the conversation for this complaint and they hung up on me because of that. OK for them to record calls for training purposes, not OK for a customer to make notes of a call. I will now monitor my credit reports closely as well.
Consumer complaint received 2016-10-14
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: ZENCO COLLECTION, LLC (PA)

I received a voicemail on XXXX/XXXX/XXXX at XXXX from a XXXX XXXX regarding a case # and stated the last XXXX of my social in the voicemail, stating that federal charges will be filed with my county against my social security number if I did not call her back within 24 hours ( She addressed me in the voicemail by the middle, last, and fast name ). I can back XXXX XXXX at XXXX, she advised me that this was n't her case and would have to transfer me to the correct person. After being transferred to a XXXX XXXX XXXX she advised me that the Plaintiff is XXXX who brought out the original company XXXX and a suit would be filled against my social security number for the amount of {$1900.00} from a debt in XXXX. I tried to advised XXXX XXXX that I was no longer liable for this debt due to identity theft from my father which was handled. XXXX XXXX would not allow me to talk and continued to speak over me. XXXX XXXX stated that it did'nt matter and I can still liable. She stated that a letter was sent to me when which I have never received. XXXX XXXX continued to say that the case was found collectable during an audit this year and started threating me with wage garnishment, a XXXX against my social, and a summons being sent to the home or place of employment. XXXX XXXX stated that the case will be filed with my county on XXXX XXXX unless I make a settlement for {$1000.00} by XXXX XXXX or make hardship payments. I asked her what company she worked for. She stated Zenco and kept stating " we are not a mom and pop company '' we will follow through. I told XXXX XXXX I 'm not making any decision without further speaking with my husband. XXXX XXXX stated she would place my case on " administrative hold '' until that day at XXXX or case will be moved upstairs for court filling. XXXX XXXX called me twice on XXXX/XXXX/XXXX at XXXX and XXXX. I responded that her second call and advised XXXX XXXX that there are no pending debts on my credit, XXXX XXXX continued to talk over me again stating I will not see anything because this is not a collects but a federal offense and they have every right. I yelled over XXXX XXXX and stated that if this is such a serious offense why have I never received a single thing from them and why are they refusing to send me anything now. She stated because no participation is needed from me. Out of frustration I hung up the phone after continually being spoken over and told XXXX XXXX that I will be filing a compliant with the CFPB.
Consumer complaint received 2016-10-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently pulled a copy of my credit report and noticed the following information are in error : Credit Inquires : The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following credit inquiries are related to none of the aforementioned permissible purposes : XXXX XXXX/XXXX/15 Banking XXXX XXXX/XXXX/15 XXXX XXXX/XXXX/15 XXXX You have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As you have now violated federal law, by not properly investigating and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. 
I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
Consumer complaint received 2016-10-14
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (GA)

CitiMortgage Inc. is the mortgage company I have having issues with. 
Issue # 1 We purchased and maintained XXXX insurance through CitiMortgage Inc . This insurance was supposed to pay the mortgage in case the homeowner was XXXX or hospitalized. When my husband, who was a XXXX Veteran, became hospitalized in XXXX the policy was supposed to kick in, so we thought. But when we made a claim on the policy it was never validated. The policy was supposed to pay off the mortgage. It did n't. 
Issue # 2 After my husband XXXX in XXXX XXXX and I wanted to assume the loan. I was not allowed to do so. But I continued to make payment through various programs and other entities that I was told to by CitiMortgage Inc . But I was told that those payments did not go towards the mortgage. I do n't understand why. 
Issue # 3 In XXXX finally I was presented with a loan modification for my mortgage. The first set of loan modification papers were signed in XXXX. In XXXX I was presented with a new set of modification papers with a 'subordinate secured deed ' for {$38000.00}, which was not on the first modification that I signed in XXXX. Why was this not at all mentioned in the first modification.
Consumer complaint received 2016-10-14
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (NY)

I am assisting XXXX who had an account with XXXX in 1985 which she had forgotten about. Recently she came across a copy of a statement made several calls to be told that the account was taken over by Wells Fargo or sent to unclaimed funds. I have tried to track this down but am not getting very far. The account name was in XXXX name XXXX for XXXX. The address at that time was XXXX account # was XXXX XXXX XXXX XXXX. The last XXXX of her SS # XXXX. I would greatly appreciate any guidance you can provide as she is a XXXX that could certainly use the extra monies. 
I can be reached at XXXX XXXX. XXXX now resides in XXXX she can be reached at XXXX. My e mail is XXXX. Thanking you in advance. 
Sincerely, XXXX
Consumer complaint received 2016-10-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Fidelity National Information Services, Inc. (FNIS) (MN)

On XXXX/XXXX/2016 I sent a certified letter to Chexsystems regarding XXXX items on my consuymer file. In my dispute I asked for Chexsystems to validate this information and provide me with copies of any documentation associated with these accounts. I also, asked that in the absence of any such documentation bearing my signature theat this information be immediately deleted from my file that they maintain under my social security number. On XXXX/XXXX/2016 and XXXX/XXXX/2016 I received letters from Chexsystems stating that their investigation was complete. The letter states that the accounts have been verified as accurate as reported, therefore it would retain in my file. The letter gives me contact information for the bank. It also states that if I request, Chexsystems will provide a description of the procedure used to determine the accuracy of the disputed information in my file. On XXXX/XXXX/2016 I called Chexsystems to request the procedure used to verify the accuracy of the disputed information in my file. I spoke with XXXX a representative who stated that they contacted the bank and the bank told them that it was my account. I asked what documentation was received to verify the accountt he was not able to provide me an information to verify the account. I asked if the obtained any documentation bearingmy signature? He stated that if I wanted that documentation I need to contact the bank at the number listed in the letter. I again asked for verification of proof that the account was verified and valid and he could not provide any such documentation. I requested to speak witrh a supervisor. He took my name and number to have a supervisor call me back. Today XXXX/XXXX/2016 I received a call from XXXX a supervisor at Chexsystems. I discussed with XXXX the same infromation as I did with XXXX the previous day. I asked for the procedure and documentation showing this account belonged to me and that they were inacurately reporting information as they are not able to provide documentation bearing my signature. XXXX continued to say that I could contact the bank and I continued to request the process they used to verify the account. I said what did they provide to show it was accurate she stated the bank told them it was verified and accurate. After several attempts to request their procedure and documentation I considered it a failed attempt and advised XXXX that I would be contacting the Consumber Financial Protection Bureau. She stated to give her a minute and placed me on hold and then came back and stated that I needed to contact the bank for verification. My XXXX account is still pending. On XXXX/XXXX/16 I placed a security freeze on my file.
Consumer complaint received 2016-10-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: ORG GC GP BUYER, LLC (UT)

I received a phone call from XXXX at XXXX MST. XXXX XXXX asked to speak with XXXX XXXX. I said " This is XXXX, What can I do for you '' XXXX then attempted to verify my address prior to providing me with my mini miranda rights. I ask her what company she was with and she informed me that she represented GC Services. I informed her that I do not work with her company and what the call was about. She informed me that it was a personal business matter. I asked is this in regards to a debt and she said yes. I informed her that she is required to provide me with the required mini miranda prior to asking me to provide information. She failed to ever say the mini miranda period.