davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-12
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY (NY)

My Amex account holder information was hacked allowing Amex to cancel my card, issue a new card to the person who hacked the Account Holder Information, closed my card. The person who Amex issued an unauthorized card has stolen through Gift Cards amounting to over $ XXXX- {$6000.00} per month, XX/XX/XXXX through XX/XX/XXXX. Amex express was notified however ; refused to protect me. My Amex Credi Card was opened XX/XX/XXXX. My Social Security number remains as the person responsible for this fraud and identity theft. XX/XX/XXXX I received a letter from Amex removing me from my own account, AMEX provided an unauthorized card to an unauthorized person on my account. Thus enabling over {$500000.00} stolen funds from my XXXX and myself. in Gift Cards and Other Transactions. Friday XX/XX/XXXX, one of the representatives were sending my case file to underwriting. However, I am harmed, my company has been harmed causing losses of almost {$500000.00} due to the negligence of AMEX
Consumer complaint received 2017-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Today, X/XX/17, I tried to get a security freeze with Transunion due to the recent security breach at XXXX. Instead of getting a security freeze I received an email saying I had subscribed to XXXX per month credit monitoring. Deceptive marketing. I went online to cancel and I received notice that I would still be charged for one month. I tried to call, waited on hold for 20 minutes, then was disconnected. I tried to call again, waited for 30 minutes and gave up.
Consumer complaint received 2016-06-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (MA)

To Whom It May Concern : I opened a Citigold account with Citibank in XXXX XXXX after receiving offer code XXXX in the mail for XXXX Thank You Points to be awarded after making two bill payments in two consecutive months. I was notified on XXXX/XXXX/XXXX that I was qualified and enrolled in the offer ( correspondence attached ). I contacted Citibank on XXXX/XXXX/XXXX, several months after meeting the requirements, because I had not yet received my Thank You Points. The customer service representative quoted another promotion, XXXX, for XXXX Thank You Points ( correspondence attached ). An inquiry was opened to determine whether I qualified for either promotion. I followed up again on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX and was told the investigation was ongoing ( correspondence attached ). Finally, on XXXX/XXXX/XXXX I contacted Citi for a final time and was told that a letter was sent electronically on XXXX/XXXX/XXXX that I did not qualify for the offer. I did not receive a copy of this, despite checking online per the customer service representative ( correspondence attached ). A notification was never received by me. 

I want to thank the CFPB for representing customers in this unfortunate situation. Citibank has been incredibly disappointing, and I do not intend to continue doing business with them unless this can be resolved.
Consumer complaint received 2024-10-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I saw this business checking bonus offer directly from the bankofamerica.com website ( {$1000.00} bonus with $ XXXX deposit ) with the term : This offer is intended for new customers only ; you are not eligible for this offer if you were an owner or signer on a Bank of America Business Advantage Banking account within the last twelve ( 12 ) months. Offer expires on XX/XX/year>. 
When I applied the application, the promo code auto-filled, and the application was approved on XX/XX/year>. 
I used the live chat on bankofamerica.com webiste and chatted XXXX on XX/XX/year> to confirm if everything is okay with my application and she replied that the bonus code was not applied and told me to speak with the account specialist at XXXX ( Business customer service ). So, I called and had a conversation with XXXX about 15 mins. He was very professional and rest assured and told me that he will add promotional offer code " XXXX '' for ( {$1000.00} bonus with $ XXXX deposit ). 
After that, I deposited total of {$30000.00} on XX/XX/year> to meet the requirement which was keep {$30000.00} for 60 days to get {$1000.00} bonus. 
I waited and checked my account and still didn't see the bonus on my account as of XX/XX/year>. So I called XXXX ( Business customer service ) on XX/XX/year>, spoke with XXXX. She said that I can't get the bonus because I didn't meet the requirement and she also wondered what happened and agreed that I met the requirement, but there's nothing she can do with her power. 
Now I'm very embarrassed about this happening and so disappointed about it and this became too much stress for me. 
starting submitting a complaint to the CFPB, I will do everything I can to get the money I was promised.
Consumer complaint received 2016-05-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NJ)

Hello, I contacted XXXX many times to remove this false information from my credit report. XXXX XXXX XXXX XXXX XXXX gave this company my credit information. My husband took my XXXX daughter to this hospital for treatment. My information was in their system, as I have been a prior patient. Somehow this collection agency reported this bill to my credit, when my husband was the primary holder on his health insurance, and this was not reported on my husband 's credit, when he was the parent that signed for my daughter at the hospital. I did not authorize XXXX to release my credit to a third party agency.
Consumer complaint received 2017-02-11
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CMRE Financial Services, Inc. (TX)

I was a victim of identity theft and noticed a collection from CMRE I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against CMRE in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Consumer complaint received 2017-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc. (IN)

I 've been trying to cancel my {$1.00} trial of the XXXX XXXX since XXXX XXXX. Due to XXXX XXXX data breach, Experian has mentioned that hold times will be long. I called them once on XXXX XXXX and was on hold for over an hour. I never spoke to a live person. I then called a total of 2 times on Friday XXXX XXXX and never reached a person. 

Since I was unable to speak with anyone to cancel my trial, as my last resort, I sent an email to XXXXXXXXXXXX Friday XXXX XXXX. I asked for them to cancel my account and not to charge any monthly fees. 

Today, XXXX XXXX, I was charged {$24.00} from " Experian XXXX, '' on my debit card ending in XXXX. They have failed to cancel my trial and as a result, I 've been automatically charged for the monthly service fee. 

This issue could have been easily avoided if there was a feature to cancel my trial on the XXXX XXXX website.
Consumer complaint received 2017-02-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (CA)

Please see attached pdf copies of five ( 5 ) pending QWR requests sent earlier to JP Morgan Chase. 

These were sent XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX & XXXX XXXX, XXXX ( see attached ). 

JP Morgan Chase is required to make reasonable efforts to satisfy these QWR Requests, including retrieving the same from computers, backups, archives, phone records & transcripts. 

With respect to QWR items that are required by me, they have claim that they do not exist but have not made any effort to retrieve them. XXXX replies from JP Morgan Chase dated XXXX/XXXX/XXXX ( Case number : XXXX ) and XXXX/XXXX/XXXX ( Case number : XXXX ). 

I have n't requested for duplicate information via these 5 QWR requests. Yet JP Morgan Chase has partially satisfied some request without stating a full reason as to why other items were not sent to me or why these QWR items can not be retrieved from backups or recreated to satisfy these QWR requests. 

This amounts to concealing information contained in my loan file. 

I am entitled to receive complete information requested, because JP Morgan has committed an error on my loan and abused the TARP programs ( see Case number : XXXX ). 
Most importantly I require : a ) Complete Contact History b ) Complete Communications History. 
c ) Proof of ownership of my Mortgage Note d ) Complete Phone conversation transcripts/Notes See attached 5 QWR requests.
Consumer complaint received 2017-03-11
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (PA)

I applied a new checking account in XXXX. This is a special promotion to receive a bonus offer {$250.00} who opens called Everyday checking account with Wells Fargo Bank. 
My application have been approved, and my new account is eligible to receive a bonus offer. I have received an email from them and it will be deposited {$250.00} within 45 to 60 day. In order to receive the promotion offer, I need to meet all criteria. I have made all criteria their requests. However, their promotion have not been promised because I already have a checking account with them. They already knew I have a different checking account and have approved my application and the special offer. However, they have not promise.
Consumer complaint received 2016-10-26
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

We applied for a loan modification. After years we were denied. We have appealed the decision and submitted an entirely new package and we are currently under review for a loan modification. We live in the State of California and are protected under the Homeowner Bill of Rights from dual tracking. The HBOR restrictions on dual tracking foreclosure and loan mods prohibits mortgage servicers from advancing the foreclosure process if the homeowner is working on securing a loan modification. When a homeowner completes an application for a loan modification, the foreclosure process is essentially paused until the complete application has been fully reviewed. In spite of this they have no placed in in foreclosure.
Consumer complaint received 2017-02-10
Product: Credit card — 
Issue: Delinquent account — 
Company: Bread Financial Holdings, Inc. (VA)

I failed to make my monthly payment with PayPal Credit, and as a result they sent my account to their collections department. Once my account was in their collections department, I began receiving three calls per day. After XXXX3 days, even though I was in a meeting, I took their call and arrange the payment to be scheduled. I did this soley because I wanted the phone calls 3 times per day to stop. When I answered their 3rd phone call today, no one was on the line and the call was disconnected, so I called back. I spoke with XXXX different representatives, XXXX of them was a supervisor. XXXX of the non-supervisors I spoke to asked if I wanted to placed on their cease and desist call list. I told him that that was n't necessary as I appreciated the follow up on the occasions where I forgot to make a payment. I further explained that my unhappiness with the phone calls was because I was called three times per day which I was annoyed with and felt harassed by. I informed the supervisor that I spoke with of the same sentiments and also informed him that I would be submitting a complaint with the CFPB. He said that he would notate my complaint.
Consumer complaint received 2017-02-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: I.Q. DATA INTERNATIONAL, INC. (CA)

I have got two phone call from IQ data company for asking money. The first call I had with IQ data is called by a male, he told me I have owned money from my previous apartment. And the apartment send their company to collect the money. But, at that time, I have never seen any bill from the apartment or the bill with same amount. I was asking him the basic information to confirm if he is not a scammer. He only have my and the apartment 's name and the total amount of the bill. When I asking him to private me more information such as the detail for the charge on each item or service, my living address, the invoice from service party, etc. he start to ask me will I pay for what he asking for. I told him I can not give him a payment without have the information, and he is starting threatening me to hurt my credit if I am not agree to pay him now. I told him I will call PD to report this phone call and he was become mad and threatening more about my credit and told me I will have following lawsuit if I do n't pay him. I called PD and be told I need evidence in order to report this case. Today, I had the second call from IQ data for the same amount of money, but called from different number. ( first called from XXXX, second on called from XXXX ) The people who called me is a lady with fast speak. She told me I owe their money and force me to make a payment right away. I told her please private me the detail of the payment and I will pay for that if I truly owe money. She asked me '' will you pay now if I give you the information? '' I answered her, " yes, if the money is what I owe. I will pay it now. '' She yield me '' I just ask you, will you pay? Yes or No! '' I repeat what I was answered her before. She repeat '' I just ask you, will you pay? Yes or No! '' with higher volume. I felt offended, and ask her to allowed me to record the phone call. She start getting mad like the male who called me before. I asked her to give me her name and company name for recording and the charge for each of the item. She told me the each of the charge but it 's different from the amount she gave me. So I kindly asked she to repeat it. She told she already spend 15 min on me and do n't want to waste time on me. She start to threatening me to hurt my credit as well. I have recorded her voice as evidence. The collectors from IQ data are un-professional, rude and lack of patient. I have never owe any one money, I have down payment for my house, auto, and any other cost. I paid my credit card on time every month. If the money I truly owe someone, I will pay back at first time. I believe that not everyone mean to owe money, they may in a hard situation or never got bill like me. Service be nice and helpful is important. I hope the board can have a consideration of their registration, ban it as needed.
Consumer complaint received 2017-02-10
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Bank of America said they ended a promotion waiving fees on savings account. They said they sent a notice but i did n't receive one. I asked that the {$20.00} in fees be refunded and they refused. I would like the {$20.00} ro be refunded to me.
Consumer complaint received 2016-05-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NJ)

I have disputed this directly with Equifax as well as submitted more than XXXX or XXXX complaints through CFPB but no one does anything. I 've submitted police reports, Grand Jury Indictments, Victim Status Reports when the offender who stole my identity was sentenced. XXXX XXXX and XXXX were a pleasure to work with. Equifax and CFPB have one excuse after another. Neither respond, neither consider any of this a priority! This has been going on since 2010, so I guess you just want me to wait till next year when it falls off on its own. Please assign this to a Department Head and Manager. I DO NOT want a supervisor looking into this case again as its gone no-where. Thank you! XXXX XXXX
Consumer complaint received 2016-06-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XXXX and XXXX my Transunion reports from XXXX XXXX showed no inquiries. 
This was a glich in TransUnions site, on XXXX they all reappeared, I was never informed the 5 days per FCRA section 611 by TransUnion, I called on XXXX and spoke to XXXX in the Special Handling Deparment, informed her of the information and asked for the inquiries to be deleted. She stated no. TransUnions glich was not in my control and now that they have broke the law and affecting my credit negatively they do not want to do what is right ( per law ) since they broke it. Please advise.
Consumer complaint received 2017-03-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (PA)

I have an account with Credit Check total. I logged in a few days back and discovered within XXXX weeks a number of unauthorized inquiries processed with about XXXX weeks spend of each other. I am not activity seeking credit a this time SO I require a removal of all unauthorized inquires as this is not right! 

I have now enclosed two items with My address which I judge to fulfill your requirement for a complete investigation : 1 ) My State Drivers License 2 ) My full credit report from Experian Credit report showing my address
Consumer complaint received 2017-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CREDIT ACCEPTANCE CORPORATION (FL)

I have a car loan that I did with credit acceptance for 10k or more, monthly and it 's not showing up on my credit report. I tried calling credit Acceptance they said they will fix this problem but they have n't fixed it with the three major credit bureaus. I would like for them to update my credit information showing a pay off on a loan that I had with this lender.
Consumer complaint received 2016-10-26
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP (MO)

On XX/XX/XXXX a creditor debited my account for {$270.00} which cost me an overdraft. I called the bank and told them what was happening and the were refunding me. Before I could get refunded the company debited my account for another {$270.00} on XX/XX/XXXX. So on XXXX XXXX I received part of a refund and then the rest on XX/XX/XXXX. At that time I had talked to the bank 3 more times explaining the situation. The last time they refused to go to XX/XX/XXXX where the problem started so they could keep my overdrafts. There are XXXX overdraft and XXXX extended. I would be {$830.00} in the black if they refunded all. They refunded XXXX, which did n't get me from overdraft. Do n't they have to keep correct books on your accounts? Or can they just take what they want when they want. Everything that is social security direct deposit and I have gotten paid twice @ {$1300.00} each. The have gotten all of that and I am still overdraft of {$640.00}. I would like for everything to go back to XX/XX/XXXX and replace all the money they took with malaise of forethought for a struggling XXXX on XXXX. They were causing me terrible stress because I missed 2 payment of my car and the company was going to repo it. I hope you can help me I have no other place to get it.
Consumer complaint received 2016-09-16
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

This debt collection for original creditor is showing XXXX 's as separate credit accounts, never had XXXX XXXX XXXX XXXX credit cards for this debtor, only ordered XXXX items on the same date.
Consumer complaint received 2017-09-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (MO)

On XXXX XXXX, XXXX, I filed an " Initial 90-Day Fraud Alert '' which entitles me to a free copy of my credit report. I discovered a fraudulent tradeline from a collection agency ( Diversified Consultants ) originating from " XXXX XXXX '' on my XXXX  credit report. I also noticed two names and a phone number I have never used on my credit report, so I completed an FTC Identity Theft Affidavit ( and police report ). 

This debt is not mine, I do not know where the debt originated. I can presume it is related to the fraudulent names and phone numbers on my credit report, but I do not know for sure.
Consumer complaint received 2016-09-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

I have had my mortgage loan through Bank of America since XX/XX/XXXX. The loan was for mortgage only not including escrow. The escrow has always been paid by me.. In XX/XX/XXXX I paid my taxes in four installments I was on my last quarter when Bank of America decided to make the last payment at the same time I was paying it. The city took the Bank of America check and they returned my check. I right away called Bank of America as to why they had done that and they apologized and said that if I pay the fourteen hundred something back to them that they would take away the escrow from account. I continue to paid my original {$700.00} mortgage payment and paid off the escrow they had paid. But they continue to add the mortgage and escrow, I had called them to see what was going on as to why they were still adding the escrow amount to my account when I have always paid my escrow on my own they could not give me answer. I still continue to just pay the {$700.00}. This past year I paid the full amount of the taxes in full four thousand something to the city. I called Bank of America to take off the escrow amount out of my account that I had paid the city the escrow.They had asked me to send them a copy of the receipt which I did. Then said they will take it off and from now on I would only paying the {$740.00} this started XX/XX/XXXX. So the coupon on the statement says {$740.00} but at the top of the top of statement they have Total amount I owe of {$6000.00}. They send several letters to have my mortgage modified, something I do n't want to do because I have not faltered on the account or have not missed any payments. It was Bank of America that screwed up and now they want me to pay penalties and for not agreeing for them to pay the escrow when I have always paid it on my own since XX/XX/XXXX. I 've called them several times to try and get this straighten out but to no eval they continue to add they escrow to the account..