davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-07
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (GA)

I have never had XXXX at my residence in my name! XX/XX/XXXX they were running a special on programming for XXXX, so I inquired about signing up. So I am placed on the phone with a XXXX associate that tells me that I have already had XXXX at my current residence and there is an outstanding bill of over {$700.00} from XX/XX/XXXX-XX/XX/XXXX. So I explain to this person that I have never had XXXX, I have never received a bill from XXXX ever .... and also I did not live at this residence during that time. I was told that maybe a previous tenant ordered it in my name, but that XXXX had been installed at my address in XX/XX/XXXX in my name, and I did not occupy this residence during that time and I explained this to the associate, which then tells me that I will have to file fraud charges to avoid responsibility of this debt. This is a scam because this company did not have my personal information until I gave it to them on inquiry day XX/XX/XXXX, more than 10 years after they say someone at my address used my name to obtain XXXX! I have not filed fraud charges because I have no idea who to charge! I have no proof of this bill or said account or name of person pretending to be if that is the case! I feel this is a scam to collect money that I do not owe and refuse to pay because it is not my debt!!!!
Consumer complaint received 2016-06-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Account Management Resources (OK)

The collector sent a demand letter on XXXX XXXX, XXXX requesting payment for a utility bill. A response was sent on XXXX XXXX, XXXX requesting more information regarding the debt ( such as verification ), and there has been no response. Failure to respond with reasonable documentation is an abusive and unfair practice barred by 15 USC 1692. 
Failing to respond to a good faith attempt by a debtor to confirm the validity of a debt leaves a debtor in an confusing state of limbo where he is uncertain of what further actions to take. He is unable to determine if he should continue to attempt to resolve the alleged debt or assume it is invalid.
Consumer complaint received 2016-07-15
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I responded to a promotional rate for refinancing student loans that I believe was a fraudulent offer, wasting considerable time. Other lenders have approved my application and I was shopping for a more competitive rate, that was offered by XXXX Citizens Bank declined a refinancing application for current student loans, stating insufficient income. What is significant is that I have an XXXX credit score, earned in excess of $ XXXX per year for the last three years, and $ XXXX for the last XXXX, and have virtually no debt outside of my mortgage ( {$1500.00}, and a {$500.00} car note ) and have been a bank customer for over a decade. All the loans are in repayment, and current. I would like CFPB to investigate, as this is either a fraudulent offer, or the bank is engaged in discriminatory practices as I am XXXX, and seeking a loan with a 5 year term.
Consumer complaint received 2016-07-15
Product: Bank account or service — Cashing a check without an account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (IN)

Upon receiving an insurance check, my husband at the time took the check to a Chase bank where I have never had an account. He opened an account, forged my signature, and left with the money. I have spoke with the bank where the check was cashed and they admitted fault. I would like to request a new check issued and funds disbursed according to our divorce agreement.
Consumer complaint received 2016-07-15
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (MA)

Opened Citibank Citigold Checking with Promotion Code XXXX. This promotion promised a {$500.00} bonus with the following terms : 1 ) Open new checking To qualify to earn a {$500.00} cash bonus, first open a new consumer checking account in the Citigold Account Package. Then, within 30 days after account opening, deposit {$50000.00} or more in new-to-Citibank funds into your new Citigold checking or new or existing Citibank Savings Plus Account. A minimum balance of {$50000.00} is required to be maintained in the new Citigold checking, or new or existing Savings Plus Account for 30 days from the date that the {$50000.00} deposit is made. '' " The cash bonus will be credited to your new checking account within 90 calendar days from the date when you completed all offer requirements. ". 
Account opened XX/XX/2016. XXXX XXXX {$50000.00} deposited into account. 30 days later, XXXX XXXX, qualifications for bonus were met, {$500.00} deposit should have posted no later than XXXX XXXX. I inquired in XX/XX/XXXX and received confirmation letter that qualifications have been met and bonus would post 90 days after qualifications were met. On XXXX XXXX, I had on online secure chat with Citigold representative who confirmed that all requirements have been met, and bonus would post XXXX XXXX. Bonus did not post. Made numerous phone calls and was told there were processing delays and bonus will post. However, this is a bank and they have defaulted on their obligation. I would like my {$500.00} bonus to post ASAP.
Consumer complaint received 2016-07-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Had a refinance with XXXX in XX/XX/XXXX. Tried to modify several times before default and denied. Bank of ny mellow started forclosure procedures in XX/XX/XXXX. Found numerous fraudulent things in papers and fought it.they 're motion was, denied with leavery in XX/XX/XXXX. They served me with new docket number in XX/XX/XXXX statue of limitations expired on XXXX docket number. Hired petrol law XX/XX/XXXX and I 'm paying XXXX to attorneys to defend XXXX dockets in XXXX supreme court for same forclosure by same bank. Their attorney is XXXX XXXX. We are filing a cross motion to dismiss both cases but I want them to release the lines on my title. They have no rights to my property and have hindered the sale several times including XXXX short sales. I 'm on workers comp. The house needs a roof I ca n't afford. The property is now worth {$610000.00} which is {$110000.00} more then they claim I owe. Statue of limitations in new York is 6 years. Again it expired in XX/XX/XXXX. They los any right they may have had not including the fraud. They got XXXX docket # in order to attempt to reset the clock.
Consumer complaint received 2016-07-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: First National Collection Bureau, Inc. (CA)

I received a letter from First National Collection Bureau Inc alleging that I owe a debt. I do not owe any debt to First National Collection Bureau XXXX Inc., XXXX XXXX XXXX XXXX XXXX, or XXXX XXXX. I had already sent XXXX XXXX XXXX a cease and desist letter previously through the Consumer Financial Protection Bureau for which I have a copy in writing. Now I have been contacted by First National Collection Bureau on behalf of XXXX XXXX XXXX XXXX XXXX which is a flagrant violation of the Fair Debt Collections Practices Act. I do n't owe the alleged debt they are referring to, in addition the alleged debt is past the statute of limitations. I do n't want any further communication in any form by First National Collection Bureau, XXXX XXXX XXXX XXXX XXXX, or anyone on behalf of them. Their continuous communication after sending them a cease and desist letter is a flagrant violation of the Fair Debt Collections Practices Act, and it is causing me severe emotional distress for an alleged debt I do n't owe. Their continued communications is considered harassment.
Consumer complaint received 2016-07-15
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (MI)

On XXXX XXXX, XXXX, I opened a Citigold checking account with a promotion code I had received XXXX XXXX # XXXX ). The promotion promised an award of XXXX XXXX XXXX XXXX miles upon completion of {$1000.00} in qualifying debit card purchases and XXXX ( XXXX ) or more qualifying bill payments for two ( 2 ) consecutive calendar months, with all requirements to be completed within sixty ( 60 ) days of account opening. I attached a copy of the terms and conditions for the promotion. 

After completing the requirements in late XXXX XXXX XXXX, after waiting over a month for the XXXX points to post, I messaged Citibank via their online chat on XXXX XXXX, XXXX, and received confirmation that I had completed the requirements for the promotion and that I should allow 90 days for the XXXX XXXX points to post to my account ( which would roughly be the beginning of XXXX XXXX XXXX. A copy of this exchange is attached. 

On XXXX XXXX, XXXX, after I had still not received the XXXX points in my account, I spoke to another representative via online chat who I provided with my XXXX number, XXXX, and he opened an inquiry regarding the status of my points ( inquiry # XXXX ). I was informed that I should receive a confirmation email shortly confirming my inquiry. A copy of this exchange is attached. 

On XXXX XXXX, XXXX I sent a secure message to Citi because I had still not received any response to the inquiry, nor had I even received my confirmation email that an inquiry had even been opened. I was informed the following day that my inquiry was actually in the system, though the status was still pending and there was " no estimated time of completion. '' A copy of this response is attached. 

I reached out XXXX final time on XXXX XXXX, XXXX and was told once again that the status of my inquiry was pending and no timeline was available. Again, a copy of this exchange is attached. 

As of the date of this complaint, XXXX XXXX, XXXX my XXXX miles have still not been rewarded, despite them having been promised by XXXX XXXX. I note that the terms and conditions of the offer state that " The XXXX bonus miles will be credited by Citibank to your XXXX account within 90 calendar days from the date when you completed all offer requirements. '' Therefore, under the terms and conditions of the promotion, the miles should have been awarded by XXXX XXXX, which is ninety ( 90 ) calendar days from the date on which the requirements were completed. They have still not shown up in my account by this date, which is now well beyond the 90-day time frame. 

Under the terms and conditions of the promotion, I am eligible for the promotion : I am a Citi ( R ) / XXXX ( R ) credit cardmember who received the promotion, I am over 18 years of age, and I had never before held a consumer checking account with Citibank.
Consumer complaint received 2016-07-15
Product: Credit card — 
Issue: Overlimit fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

In XX/XX/XXXX my credit card was reported over the spending limit and i lost XXXX points on credit score the problem is that i never went over my limit and call into Captial One and it was investagated 3 times and they came back and said yes it was an error on there part and could n't correct it for up to 60-90days ... I was in the process of buying my house for my children and i and should not be punish by losing my house and loan because of an error on there part. I call for 3days and keep getting the run around this is not best practices at all not to mention that they didnt report me in XX/XX/XXXX at all and had to update that information on XX/XX/XXXX. Im truly upset and surprise that a company could do this and nothing be done to fix my problem ASAP
Consumer complaint received 2017-03-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I previously disputed this with you. I now have some evidence that I can upload as well. Portfolio Recover continues to report tha a payment was made in XX/XX/2011. The original creditors fax states that no payments were made in XX/XX/2011. The delinquency date was way earlier than reported. This should be taken off my credit reports immediately. They keep removing them from one and shifting to another and then cycling it back to initial credit report. The are reporting false information on both of their collection accounts. They are in violation of FDCPA and FCRA. I want them to remove this for good. I also want to to pay for their consistent violation which have adversely affected my credit rating.
Consumer complaint received 2017-03-09
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL (MA)

I have a credit card with Synchrony Bank. Synchrony Bank has unjustly ruined my credit. Since, summer of 2016, I have had issues with receiving my credit card statements in the mail. I contacted Synchrony Bank to let them know that I was not receiving my paper statements. In XX/XX/2016, Synchrony representative suggested that I make on-line payments. I went ahead and followed their advice. Since, XX/XX/2016, there has been an issue with Synchrony Bank processing and posting my on-line payments through their website. I have been erroneously and unfairly charged outrageous fees because of such. Synchrony Bank has also sent my account without contacting me first to a collection agency. I have paid the collection agency the amount due with no issues. I would like for someone to look into Synchrony Bank 's practices. It seems through my research, I am not the only person having these issues with Synchrony Bank. I would like Synchrony Bank to remove all of their unjust fees that they have erroneously charged me as well as fix my credit report. Synchrony Bank obviously has an issue with their on-line payment system, as well as, incorrect mailing of paper statements to consumers. I should not have to XXXX down a credit card company to pay my bill, not to mention it is very difficult to get a representative to help you or even understand the issue at hand. It 's absolutely ridiculous, you are unable to pay this company.
Consumer complaint received 2016-07-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

We ( my husband and I ) refinanced our mortgage loan with CapitalOne. We closed on XX/XX/XXXX. Capitalone did not pay off our prior mortgage until XX/XX/XXXX-7 days later. We thus paid interest on both loans for a week. When I called our CapitalOne POC to discuss this, he said he had heard something about there being a glitch and delay in paying off some prior mortgages, that he would look into it, and if there was a late payoff as I described, he would reimburse us the extra interest we had paid. I then never heard back and never received a reimbursement check, despite leaving many phone messages asking for a status report and call back.
Consumer complaint received 2017-02-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Trident Asset Management, L.L.C. (TN)

On XXXX XXXX, 2017, I sent my settlement payment ( USPS money order ) to Trident Asset Management. My payment was delivered on XXXX XXXX, 2017 at XXXX. They are claiming they have not received my payment. I have called everyday since being delivered checking the status. I believe they have my payment and are holding it for some reason.
Consumer complaint received 2016-07-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (VA)

This is a tax lien from XX/XX/XXXX that has been paid and released in XX/XX/XXXX. It is still showing on my report. I thought it should be deleted from the report by now. 
Tax Lien Date Filed : XX/XX/XXXX Case Number : XXXX Court Number/Name : Court Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Amount : {$3800.00} Class : State Date Reported : N/A Lien Status : Date Released : XX/XX/XXXX Date Verified :
Consumer complaint received 2016-07-15
Product: Debt collection — Mortgage
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America has repeatedly contacted me regarding my mortgage that is due on the XXXX of each month with a grace period that is due on the XXXX. I spoke with a representative Wednesday, XXXX XXXX and she stated she submitted sometime of cease and xx. I have received 3 call from BOA and it sickens me to my stomach, and I 'm being harassed during a 15 day grace period.
Consumer complaint received 2017-02-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Transunion is illegally reporting XXXX ( Deposit Related Accounts ). XXXX Credit card illegally on my credit report. I have disputed all XXXX items with Transunion and they came back verified. I contacted both companies and XXXX refuses to talk to me. I wrote them a letter demanding them to send me any information on this debt they did n't respond. So I called them and they refused to talk to me and stated the only way I can talk to them is through the credit bureaus. XXXX I contacted Transunion and it came back verified. I wrote to XXXX asking for more info on this account and received a debt settlement letter. I contacted Transunion back to ask what method of validation was used and did n't receive a response. This is very illegal and goes against all of the federal laws.
Consumer complaint received 2017-02-24
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: College Foundation, Inc. (SC)

I saved up {$35000.00} to pay off the remainder of my student loan in full in XX/XX/XXXX. They said they would send me a statement that my loan had been repaid in full. Now that it 's tax season ( XX/XX/XXXX ), I logged back into my profile page to find the XXXX. It was nowhere to be found. I called and after a fifteen minute wait, XXXX answered my call. I asked why my neither my XXXX nor my loan payment statement from when I 'd paid it off had been mailed to me. She claimed that both had been mailed to the correct address and that my online profile would n't display any pertinent information because I 'd had the gall and audacity to pay off my loan and my online features were now blocked ... We confirmed and reconfirmed my address. Every other account and employer has been able to get me my documents via the mail except for this institution. It 's highly improbable that BOTH documents would 've gotten lost in the mail. Because I never received the paper in my hand stating that my loan was satisfied, I have anxiety to this day that there is still some kind of unsatisfied balance floating out there with accruing interest. And because they 're unable to get me a XXXX in either the physical or electronic form, my taxes may suffer. This is an official complaint against COLLEGE FOUNDATION OF NORTH CAROLINA for their incompetence, sloppiness and mistreatment of patrons who are in good standing.
Consumer complaint received 2023-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. 

Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. 

XXXX XXXX Bank Account Account XXXX xxxxxxxxxxxx XXXX is not public info and should not be reported to Equifax. The only true credit reporting agency is the CFPB and they do NOT furnish consumer reports. Equifax is an independent company and has no written consent from me to report my non public information.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

The accounts appearing on my credit report have not been properly verified by the reporting agencies or the creditors. Under the Fair Credit Reporting Act, I have requested proof that these accounts are valid, but they remain unverified. Without sufficient verification, these accounts should be removed from my credit report.
Consumer complaint received 2017-02-25
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am not able to remove a credit freeze I may have put on my account when I was disputing some items. Now I ca n't get credit because most places say that they can not pull my credit due to a credit freeze. I was trying to get my free credit report on line but because there is a XXXX, I was not able to get any of the reports online. I try to contact all 3 bureaus but non offer an online or telephone call to remove the XXXX, please help, they are killing me with denials due to unable to see my credit.
Consumer complaint received 2016-07-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have disputed XXXX Acct XXXX numerous times. I have explained that the account information and details are inaccurate and should be removed and deleted. I have written XXXX XXXX XXXX XXXX XXXX, SD XXXX and they continue to tell me they have no documents to prove the facts of this account. ( payment history- account billing ). XXXX continues to state they have verification to the facts of this account but will not provide them, yet they continue to report inaccurate account information. I have requested this account information be removed as it can not be proved by the company or Transunion