davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-16
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BTH Management (SC)

XXXX XXXX has an account listed on my credit profile which I have any information of regards when I contacted the original listed creditor which is XXXX XXXX they refused to provide me validation and intern they stated that I needed to contact XXXX XXXX to get validation so I dispute it and ask for validation with the credit bureaus I received nothing in return but they keep responding to the credit bureau as the account is validated I have received no type of communication from this company
Consumer complaint received 2017-07-05
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ad Astra Recovery Services Inc (MO)

I noticed last year in pulling my credit reports for annual check an account listed as " collections '' and " Opened '' on XX/XX/XXXX by a collection company by name of Ad Astra Recovery System collecting for XXXX XXXX XXXX. It was later XX/XX/XXXXthat I started to receive numerous phone calls. I had googled the company and found a lot a people have had complaints against the company in trying to collect non existent debts/debts that were already paid in full. When I spoke with a " company rep '' " XXXX '' the 2 -3 times that I did, and I 'm not sure that was even her real name, over the course of about a month or so, I told her each time that I was disputing the debt and to provide the following for my review so I could 'formally '' submit in writing my dispute and go point by point down the list in rebutting. She would come back with quite persistently and tell me each time that she could take a credit card payment that day and that she was authorized to take xyz amount to get my account settled and closed. Each time I came back and asked her to provide me with information for my review first. After talking to her the last time, I just let the calls ring thru and someone from the company kept calling for a few months, basically 2 to 3 times each and every day ; it became predictably annoying as it would ring and then hang up, but they never left a vm. When I spoke with " XXXX '' I asked that I be provided via snail mail, all of the following. 1. A copy of original contract with the debtor with my signature 2. The original loan amount 3. The original date of alleged default 4. The date this alleged debt transferred from the original creditor company and date it was bought by them 5. The Surety Bond information Interestingly enough I never received any  written communication from them at all after my requests to provide me with my requested information and eventually the phone calls stopped and I thought the matter resolved, but I was wrong. <P/>Flash forward a little over a year later, when I just went to do my annual credit check today, XX/XX/XXXX, my surprise that this " collection '' status is still showing on my reports, even though I asked them to remove the information if they could n't provide me with proof. I do know now I should be checking my credit report on a more 'frequent basis '' and use a free service to do so from here on since I only checked 1 time a year to get my " free annual report ''. <P/>I am asking that this company since they could n't provide me with the requested information showing this to be a legitimate debt to strike this off my credit reports.
Consumer complaint received 2018-04-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (MI)

At Citibank, I opened a checking account with opening bonus offer.

XX/XX/XXXXI opened and deposited XXXX  . XX/XX/XXXX I deposited XXXX $ XX/XX/XXXX I withdraw XXXX $ XX/XX/XXXX~XX/XX/XXXX is 62 days and I met the bonus term and waited.XX/XX/XXXX I inquire the bonus and citibank says : Unfortunately, your account does not qualify for the promotion because the required amount of deposit was not maintained within stated timeframe. The term was : Open a new checking account in the Citibank Account Package by XX/XX/XXXX.  

Within 30 days after account opening, deposit {$15000.00} or more in new-to-Citibank funds into new checking Account or new or existing Savings Plus Account or Citi Savings Account.

A minimum balance of {$15000.00} is required to be maintained in the new checking or new or eligible Savings Plus Account or Citi Savings Account for 60 days from the date that the {$15000.00} deposit is made.
Consumer complaint received 2017-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Midwest Recovery Systems (TX)

Opened a pay day loan in XXXX with XXXX. Had several before and paid them all off when payment was required. The last one I took out in XXXX, I was unable to pay back at the time due to hardship. They sent it to collections and kept transferring it from one collection agency to another. In XXXX, XXXX XXXX XXXX called me and I was finally able to pay it back. They told me they owned the XXXX loan now and we negotiated a settlement in good faith. I sent a certified check in the amound of {$800.00} and it was paid in full and satisfied. Letter attached. Over the years several other companies call me and want to collect on the same exact debt. I fax them the paid in Full letter and they leave me alone. Well, this awful company, Midwest Recovery Systems, LLC, never called or emailed me or anything. They just opened a collection entry on all of my credit reports. I called them immediately very upset and sent them by fax and email the paid in full letter and every time I call them, they say they never received it and I feel this will never get taken care of. Please help. They are scammers and I did pay it off in good faith. These companies just keep selling old debt even if it 's paid in full. I called XXXX this past Monday and they verified with me that this is the same account number that Midwest Recovery Systems is trying to collect on. Please help get rid of these scammers and fraudsters. Thank you. XXXX XXXX
Consumer complaint received 2017-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (NC)

I opened a Best Buy Visa Credit Card ( handled by Citi ) on XXXX 2016. I  always have been diligent with the minimum payments, by paying before the due date. Unfortunately, I am getting my hours cut at my part time job, and I am experiencing some kind of trouble making the payments on time. In the event I have any issues with making payments, I always reach out to the creditors to work out an amicable solution. While some of them understood perfectly my situation and granted me one more week as extended grace period, unfortunately with Best Buy Visa Credit Card is not the case. They are difficult to work with, and this time I asked for one more day of grace period, since I got paid on XXXX XXXX and the bill was due XXXX XXXX, I did n't have enough funds available on my bank account to afford the minimum payment. I spoke with two different reps last week. First one, called XXXX, from the Tennessee office, helped me get an extension of the payment, for one more day, and assured me that my account wo n't be subject to late fees as a one time exception, and that the late fee adjustment will be applied within 1-2 billing cycles. Same information was confirmed by XXXX, another rep from the Tennessee office. When the new bill came, I was charged two different amounts, {$160.00} and {$100.00}, as minimum payment due. And then, I reviewed thoroughly the recent activity section and the late fee of {$37.00} was charged, along with {$44.00} of interest on purchases. <P/>This situation has caused me a huge deal of XXXX, as I do n't know what else to do.
Consumer complaint received 2017-07-05
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: EQUIFAX, INC. (CA)

I have on three separate occasion in the past 90 days tried to call XXXX to have these hard inquiries removed from my report as I dont recognize them and these companies have not sent me any information in regard of the reason of inquiry. This is unalwful 604. Permissible purposes of consumer reports.
Consumer complaint received 2017-07-05
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: Source Receivables Management LLC (FL)

This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$430.00} with XXXX, XXXX, & XXXX credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Consumer complaint received 2017-07-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX and Trans Union. In a previous CFPB complaint against XXXX XXXX in regards to 30 days late was resolved by XXXX XXXX ( complaint number XXXX ). They agreed to amend the credit and submitted the request to the three major bureaus. Additionally XXXX XXXX sent me a letter indicating the same. XXXX & XXXX removed the 30 Day XXXX XXXX derog almost immediatly ... TransUnion is still showing 30 day late ... In fact they even show it as a duplicate. This is wreaking havoc on my personal credit for anything tied to Trans Union. I have credit monitoring and the TU score is nearly 50 point less as a result. My car insurance was affected now as a result.
Consumer complaint received 2017-07-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

My uncle has been a Fifth Third Bank member for many years. He has kept about {$500.00} in his checking account and over {$12000.00} in savings as of XX/XX/XXXX. The bank has a so-called courtesy transfer so that his checking account is kept current in order to pay any checks when his balance goes below zero. He has been paying his bills through the checking account. His income comes from Social Security ( {$660.00} ) and is deposited in his savings account. He has paid hundreds of dollars in these courtesy transfers. They are {$12.00} for each occurrence. By the beginning of this year he started running low in his savings. The first few months of XX/XX/XXXX he accumulated about {$110.00} in overdraft fees. From the XX/XX/XXXX. statement to the XX/XX/XXXX statement he had accumulated over {$1300.00} in return item and overdraft fees. I did not find out until XX/XX/XXXX that he was ( {$500.00} ) in  arrears because of all the excessive fees. We started managing the account from then on to help pay for his bills. The bank did not help rectify this problem. My uncle was hospitalized during this time. Documents show he has XXXX XXXX XXXX and has XXXX XXXX XXXX. The bank has charged over {$2000.00} in fees over the last several years. I realize that the bank has rules, however considering the circumstances I feel that the bank had made my uncle whole through the courtesy fees and in his frame of mind felt that the savings would always cover his bills. In 2 months he was charged over {$1000.00} in overdraft fees. All I want is a fair evaluation of his situation. With the use of modern technology I feel the bank is being unfair to charge this excessive amount in fees. My uncle has no more resources other than Social Security to live on. Fifth Third is advertising about no ATM fees. The courtesy fees and overdraft fees from my uncle are allowing the bank this gimmick.
Consumer complaint received 2018-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BARCLAYS BANK DELAWARE (AL)

InXX/XX/XXXX, my husband made a purchase at an online retailer with XXXX. The credit card issuer is Barclay 's bank. I receive paperless statements, and went to my online banking system to pay them. This account is used once or twice a years. My online bank indicated I paid the bill on the XXXX of the month, which was outdated information. The due date apparently was the XXXX. The full balance was paid, 3 days late. In my mind, I paid the bill, and forgot about it. XXXX XXXX through Barclays Bank contacted me at my email, ( which I never received ) indicating that I did not pay my bill on time, and continued to assess late charges and fees. When I was alerted by XXXX, on or about the XXXX XXXX XXXX that this was on my credit report, I called Barclays, and settled the dispute with them. They erased all charges. I spoke with two different representatives that told me they could not contact the credit reporting agencies on my behalf, and gave me an address. I wrote a letter, and copied XXXX and XXXX. I received an email from XXXX, which is attached, and I can not open the response.
Consumer complaint received 2017-07-05
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: Experian Information Solutions Inc. (FL)

Since XXXX XXXX, XXXX I disputed erroneous trade-lines reported by XXXX XXXX to the credit bureaus. XXXX XXXX said they sold the account to XXXX XXXX because it was charged off on XXXX XXXX for {$310.00}. However, I paid XXXX XXXX on XXXX XXXX to delete the debt from my credit reports which they granted. Despite that, XXXX XXXX refuses to remove the negative information off my credit reports.
Consumer complaint received 2017-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

An Attempt to secure a loan through XXXX was negative- declined due to they could not identify me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was under the impression no credit check would be done but subsequently found out they used a company called XXXX XXXX " XXXX XXXX, XXXX is a credit reporting agency that provides information to our customers, who in turn decide whether or not to offer credit or services to consumers. If your application has been denied by a subscriber of our services, their decision may have been based on the information provided to them by us. '' ] Clarity partners with Experian whom I have a umber of complaints open with! I felt this was a sham. Attempts to contact XXXX proved long wait time and not return calls! They are a partner with Experian and should have had access to any and all information concerning me. XXXX XXXX was aware I had a security freeze but as stated " NO '' credit would be pulled. '' Then why this?
Consumer complaint received 2017-07-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CITIZENS FINANCIAL GROUP, INC. (IA)

I bought a new XXXX with XXXX through Citizens One Personal Loans back in XXXX XXXX. The phone was returned to XXXX on XXXX XXXX, XXXX do to a defect. XXXX informed me that they would take the phone back for a full refund and I purchased another phone and a new loan started XXXX XXXX, XXXX with my brand new phone. <P/>Citizen One sent me a letter stating my account # XXXX was closed and would be credited back to my credit card within 5-7 business days. After this time I called and spoke to a representative that told me the claim was not processed and she was not sure why. She transferred me to her Supervisor XXXX which told me he would rush the claim and it would be credited back to me no later thanXX/XX/XXXX. Today is XX/XX/XXXX and the credit has still not been issued. <P/>I 'm done fighting with them, I have records that state I would have my money back 5-7 business days from XXXX XXXX, XXXX. It 's now XXXX XXXX. Way past the date the credit should have been issued.
Consumer complaint received 2017-07-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

I received a notice from Bank of American that they will charge a fee to cash my checks at a non BofA bank. <P/>This includes their " free '' billpay service. <P/>To rephrase : If the person or company I write a check to does not have a BofA account, I will be charged a fee. <P/>This means I have to have knowledge of the banking arrangement of my payee. <P/>This is a privacy invasion and should be prohibited banking behavior.
Consumer complaint received 2017-07-05
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. (SC)

I have contacted XXXX on 4 different occasions twice by phone and twice by certified mail. They insist that they have verified the accounts in dispute. This company XXXX, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$1400.00} and {$1500.00} with XXXX, XXXX, & Equifax credit reporting agencies. I requested validation of the debt and I have n't received anything. Considering that this business does not have a contract with me, nor have they provided any services to me I am not obligated to pay for this alleged debt. I am demanding that the business remove the negative report against my SSN and any credit reporting agency. In addition the business agrees to have no contact of any form with the regarding this account now and/or in the future. Lastly I 'd like them to remove my personal information from all accounts in the companies database. Back in XXXX 2017 these accounts were removed from my XXXX credit report and placed back on my report in XXXX. This is becoming very frustrating and overwhelming and it 's making it hard for me to acquire credit and become a homeowner. The company is very harassing and they continuously call all day and during the evening as well. XXXX ACCT # XXXX XXXX ACCT # XXXX
Consumer complaint received 2017-07-05
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: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I applied for the XXXX XXXX Visa Signature Credit Card which had many desireable features which I was interested in. <P/>As I did not meet the credit standards for the Card as advertised above, I was assigned a card of lower features, a card I was not interested in having or accepting. <P/>The company did n't offer the inferior card, they simply assigned it to me. <P/>Within 10 minutes of being approved online for the inferior card I contacted Bank of America and asked that they rescind my application as opposed to closing the account that I neither wanted nor that I ever used.
Consumer complaint received 2017-07-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have contacted Transunion on 4 different occasions twice by phone and twice by certified mail. They insist that they have verified the accounts in dispute. This company XXXX, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$1400.00} and {$1500.00} with Transunion, XXXX, & XXXX credit reporting agencies. I requested validation of the debt and I have n't received anything. Considering that this business does not have a contract with me, nor have they provided any services to me I am not obligated to pay for this alleged debt. I am demanding that the business remove the negative report against my SSN and any credit reporting agency. In addition the business agrees to have no contact of any form with the regarding this account now and/or in the future. Lastly I 'd like them to remove my personal information from all accounts in the companies database. Back in XXXX 2017 these accounts were removed from my Transunion credit report and placed back on my report in XXXX. This is becoming very frustrating and overwhelming and it 's making it hard for me to acquire credit and become a homeowner. The company is very harassing and they continuously call all day and during the evening as well. XXXX ACCT # XXXX XXXX ACCT # XXXX
Consumer complaint received 2017-07-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CA)

On XX/XX/XXXX, I started making additional payments to my student loan with the intention of paying it off faster, but did n't realize that they were just prepaying payments. I discussed it with them when I first started to suspect that the additional payments were not being made to the principle balance and the customer service representative kept going in circles and would n't answer my questions directly. <P/>I have attempted to aggressively pay this loan off by trying to get Nelnet to set these additional payments to the principle, but everything to-date has gone to principle. I made an additional {$1500.00} electronic payment thinking it would credit the principle only, but it paid over {$50.00} to interest. <P/>I sent Nelnet a formal letter explaining what I wanted to do on XX/XX/XXXX, but I have to-date never received a written response. I started to converse with them over email on their website and they finally responded. After two sets of emails, I finally got them to state in writing that there is no way for them to credit/apply additional payments solely to the principle balance. <P/>It is my understanding, after reviewing several online sources including CFPB, that they should be able to credit/apply additional payments to principle when directed to do so. However, I have stopped making any additional payments as of XX/XX/XXXX until I am confident that they will do so. <P/>On a side note, I am an avid listener to a well known national radio financial show and many other listeners have called in complaining about the same problem and some have their loans with the same company.