davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-22
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (MN)

When Costco transitioned their relationship from XXXX XXXX to CitiBank Visa they automatically took out credit in my name. I had a Visa account elsewhere and did not want the CitiBank card. So before the transition, I informed Costco, but I still got a card in the mail, so I never activated the account and cut up the card. I do not, and have not ever had any relationship or contract with CitiBank. However, many months later, I got an email about a late balance from them. So, I called and found out that Costco had charged my annual member to the the CitiBank Visa card ( which was NEVER activated ), and for some reason that charge was able to post!?!? 

I called immediately XXXX XXXX ) and CitiBank apologized and forgave the bogus late fees closed the account I never signed up for in the first place... except 2 months later I got another email that I owed them and calling again, they had continued to bill this non-existent account fees despite confirmation of closure. Again, they did forgive the bogus charges. 

I think this is exactly like XXXX XXXX in that my credit was borrowed against without my knowledge or permission based on a previous relationship with an unrelated financial institution. Furthermore, if I take a not-activated credit card and go to the store and swipe it -- obviously it wo n't be charged to the person and wo n't work ... How can a card be charged behind the scenes that is not and was never activated? Then, I only received notice many months after the institutional fraud based on accumulating fees.
Consumer complaint received 2016-06-25
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (VA)

On XXXX/XXXX/XXXX, I opened a citibank citigold checking account under a promotion code XXXX which offers XXXX AAdvantage ( R ) bonus miles. Before I opened the citigold checking account, My husband had a online chat with customer service representative XXXX on XXXX/XXXX/XXXX. We were confirmed by XXXX that " This promotion is for all existing credit card members who do not have a consumer Citi checking account. '' " Here are the Required Behaviors to earn XXXX XXXX Miles. 
Open a new Regular Checking account in the Citigold Account Package by XXXX/XXXX/XXXX. 
Within 60 days after account opening : complete Qualifying Debit Card Purchases of {$1000.00} using the Citibank Debit Card which must be posted to the new checking account. 
And 1 qualifying bill payment must be posted to the new checking account each month for two consecutive calendar months. '' I never had citigold checking account before and I have citibank credit card. I meet all the promotion requirements so I opened citigold account on XXXX/XXXX/XXXX. After I opened citigold checking account, I met all the requirements. On XXXX/XXXX/XXXX, I got confirmed written secure message that " Yes, as of XXXX/XXXX/XXXX, you did meet the final transaction for your offer. These XXXX bonus miles will be credited 90 days from your ending statement period. This is no later than XX/XX/XXXX. 
XXXX XXXX, I am glad I was able to confirm your miles to be credited to you. ". I did n't receive XXXX american airline bonus on XX/XX/XXXX and sent an secure message to ask why on XXXX/XXXX/XXXX. I was very surprised to be told I was not targeted for the promotion. We were clearly told by citibank customer service representative XXXX that " This promotion is for all existing credit card members who do not have a consumer Citi checking account. '' on XXXX/XXXX/XXXX. Also I was confirmed via secure message that " I did meet the final transaction for your offer. These XXXX bonus miles will be credited 90 days from your ending statement period. This is no later than XX/XX/XXXX. ". I have everything in writing. Since XXXX/XXXX/XXXX, I have asked citibank many times about the status of XXXX XXXX bonus miles. As of today ( XXXX/XXXX/XXXX ), citibank is still not honor what they promised. I feel it is not fair.
Consumer complaint received 2016-11-24
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (OR)

I requested an investigation from the credit bureau twice for a mistake on a delinquency. My credit report states the account had been paid and closed on XXXX/XXXX/2014. However, it also states the account has been transferred to another office. When I contacted the company that I had the account with they state its has been paid in full and is closed. I have been disputing the issue for a couple years now. The credit bureau made a remark stating that the investigation has been completed and that I disagree with them. Yet no one can give me the information on this mysterious " office '' that now has my account which was already paid in full and closed. Please help, I dont know what else I can do. Fixing my credit is very important to me. Thank you
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (KY)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report.
Consumer complaint received 2016-09-12
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

A month ago, I was charged fees by Bank of America for having Overdraft Protection and insufficient funds. After talking to them I told them I wanted to remove all overdraft protection so I would not incur those fees. I had to talk to a supervisor and he waived only XXXX charge out of XXXX. The past week I was again charged overdraft fees and when I called to complain, they said I only removed overdraft protection not all overdraft settings. And because the supervisor had previously told me about some other product they offer, at a charge, I should 've been aware and they would not refund anything else. This is a deceptive oractice to not fully educate customers on what overdraft protection and overdraft settings mean. When I said I want all overdraft to be turned off, they should do it. Instead they only removed overdraft protection and so they would still charge me overdraft fees. It 's ridiculous and close to fraudulent when they continue to charge customers. Even when the overdraft protection had worked previously they charge for that. They do not clearly define what fees are incurred, the amount of said fees, or properly inform customers.
Consumer complaint received 2016-11-28
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (SC)

This is in regards to JP Morgan Chase. A lien was paid off in XX/XX/2016. The lien was never released. We now own this property and are trying to sell the property. The new buyer walked because they can not get clear title as this lien is still showing open. A lien should be released 60-90 days from payoff date. No one at JP Morgan Chase can give me any kind of update as to why this was not released. I have been trying for almost four weeks now to get this released and all they say is it 's being expedited. This is unacceptable. It has been seven months since this was paid off. It does not take this long to get a lien release. In fact, it 's illegal. They are preventing me from selling my property and now have made me lose a sale. I need to file a complaint as this again is illegal and unacceptable. I have spend numerous hours on the phone with them including right now as I am typing this. Totally illegal. Their website states it will release a lien within 60-90 days. Someone needs to be held accountable for this and do their job at the mortgage company. Crazy how I can payoff a loan for over {$100000.00} and not get what is due to me in return.
Consumer complaint received 2017-06-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Automated Accounts Management Services (IA)

The account number listed on my credit report is  XXXX . I was unaware of this debt before it appeared on my credit report. Once I saw the debt I promptly paid the debt. As this is medical debt, I should have been notified and been given time to pay the debt. Per the FCRA I have the right to dispute this debt directly with the company that has reported the debt. I was unable to get anywhere during phone conversations and was told I must dispute this debt with the National Credit Reporting Agencies. While I can dispute with the NCRAs, I should be able to dispute the debt directly with the company reporting the debt. Please remove this collections account from my credit report. There were several things wrong with how this account was handled and how little responsibility the company the debt was originally owed to took. Even if the debt is sent to a different company the original lender is still responsible for accurate reporting.
Consumer complaint received 2016-11-28
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America and their employees, representatives, servicers, and third party agents ( collectively referred to as BofA ) have engaged in a racketeering business enterprise for profit envoling Requests for Mortgage Assistance ( RMA ), loss mitigation processes including, but not limited to modifications, dual tracking, and foreclosure processes. 
In this instance, BofA knew or should have known of applicable regulations, guidelines, timelines, agreements, orders, and statutes that dictate and govern interaction with consumers and how BofA is to proceed during and throughout processes intended to keep homeowners with their properties and in their homes. 
One example of this racketeering business enterprise for profit is when a policy and practice is established and intended to circumvent the rules and law. Specifically, XXXX and XXXX ( XXXX ), owners of XXXX ( XXXX ), have been executing foreclosures on behalf BofA designed to defraud homeowners by forcibly removing them from their homes in an unlawful manner as evidenced by their published document entitled California Foreclosure Timeline. This document reflects the steps XXXX, as beneficiary trustee, follow upon contrating with Bank of America to begin the foreclosure process. The XXXX timeline does not conform with California law, specifically the California Homeowners Bill of Rights ( CalHBOR ). There are legal requirements intentionally excluded from this timeline including, but not limited to, pre Notice of Default ( NOD ) outreach. 
XXXX was not made the beneficiary trustee until XX/XX/2016. While BofA may have intended to create or establish a business relationship with XXXX prior to the recording of the Substitution of Trustee in this instance, XXXX had no authority to act in any capacity prior to XX/XX/2016, but for acting as an agent of Bank of America in an already existing business relationship related to RMAs, loss mitigation processes and programs, dual tracking, and foreclosure processes and thereby establishing and evidencing a racketeering business enterprise and violations of the RICCO Act. 
I have not been treated fair and with good faith during and throughout the loss mitigation process or the foreclosure process however improper it may be as it relates to me and my home and property. 
A resolution would be all other previously mentioned resolutions and a detailed response addressing this and other complaints and escalated cases to date related to the modification, loss mitigation, and foreclosure processes.
Consumer complaint received 2016-11-27
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: LD Holdings Group, LLC (ID)

In XX/XX/XXXX, I applied for a refinance my Loan loan, I have been approved, I have submitted all that was asked and required on a timely fashion, I paid XXXX cash for my home in XX/XX/XXXX, borrowed against my home in XX/XX/XXXX XXXX I have paid the payments to date on time. I wanted to get a lower interest rate and pay off sooner, the XXXX XXXX offered me a loan at 3.75 % fixed rate. The Loan Depo lowered my equity to XXXX from XXXX I felt was a fair market value. Then the requested and said they would pay for the XXXX now they have had the property appraised and the XXXX value was higher at XXXX and they requested to come back and take pictures of inside my barns etc. I believe that the XXXX XXXX is wrong for questioning the integrity of the Appraisal company that they have selected to question the XXXX used some kind of bad judgement.. The documents have expired and the loan appraisal the XXXX XXXX ordered was after the expired date. Todays interests for a 20 year fixed interest rate is 3.250 % XXXX 3.45 % as od XX/XX/XXXX. I feel that I should be compensated over this transaction, for not continuing the loan after they called on XX/XX/XXXX that they loan appraisal was in. Today XX/XX/XXXX The XXXX XXXX is questioning the fairness of the appraisal. To increase my out of pocket expenses tp XXXX plus the origination fees of XXXX, I am questioning this practice as I am only refi- and I not requesting and cash at closing. I am feeling a discrimination practice going on. I would like to decline to continue and have all my personal information that should be privite and considered personal information.. Thanks XXXX
Consumer complaint received 2016-05-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Wells Fargo & Company XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Demand to start review I received a modification in XXXX of XXXX and made more than XXXX payments then received a letter from ASC mortgage, that they wanted me to subordinate a lien not in privity. i HAVE TRIED MANY TIMES TO SUBORDINATE BUT when i finally received the subordinate agreement ASC closed my modification. I have submitted more than 5 times requests to re-review me for a modification and had postponed on my own XXXX foreclosure sales and ASC refuses to look at my requests because of many reasons mainly now saying i received a mod and no more are being offered to me because i can not receive more than one modification. 

I also told Wells my servicer of ASC that my loan i spart of the Department of Justice or National Settlement Program ( DOJ modification program ). I asked for many times written verification of this and never have the servicer or investor responded. 

I also had written three times requesting the servicer to have the point of contact reach out to me and never has the point of contact reached me the bank never went further than a reentry team designed to stone wall me from getting my loan reviewed or put into loss mitigation status for more than a year of me trying.
Consumer complaint received 2016-06-25
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MN)

This is concerning a debt I found on my credit report last summer ( attached ). I tracked down this debt as a bill from a joint account before I filed and went through an ugly divorce XX/XX/XXXX. There are XXXX anomalies on my credit report concerning this debt. I attempted to resolve this debt XX/XX/XXXX when I started a debt management program with XXXX and was unable to locate the owner of this account. I have not received any written correspondence regarding this account save the return of the letters I 've written this year. ( I received almost no mail XX/XX/XXXX due to it being forwarded by the person XXXX I was divorcing ). I have tried calling this creditor at least four times last year - leaving messages that were ignored, and wrote letters on XXXX XXXX, XXXX XXXX, and XX/XX/XXXX trying to resolve discrepancies on my credit report regarding this debt. With each letter I included a check for the full amount beyond the discrepancies. Each of my letters and checks were returned without any response save an enclosed sheet with their address on it ( attached ). The XXXX discrepancies I need addressed are : * ( 6 monthly payments of {$94.00} from XX/XX/XXXX-XX/XX/XXXX not deducted from the balance principle. 
*A difference of {$340.00} between the amount claimed I owe you and the high balance of the card listed.
Consumer complaint received 2016-09-12
Product: Debt collection — Payday loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Avant Credit Corporation (TX)

I contacted Avant on XXXX XXXX asking if I could make my payment on XXXX XXXX because I incidentally made two payments one month which put me ahead in terms of paying them. They replied back saying, Thank you for your email and we apologize for any trouble. We have received your request and have forwarded it to the appropriate channel. If you have any questions in the meantime, do n't hesitate to reply to this email or give us a call at XXXX. We appreciate your patience while we work to resolve this! On XXXX XXXX I noticed on my bank statement that they withdrew the XXXX even though I asked to numerous time if the double payment could suffice for the XXXX XXXX payment and my regular payments resume on XXXX XXXX. I noticed when I checked my contract that they did indeed accept my double payment but as yet have did nothing in terms of resolving this issue of the double payment. Please see the attached correspondence written to the creditor requesting clarification. Please note that the original loan was taken out XXXX 2015 in the amount of {$1300.00}. Since that time, I have paid to the credit the amount of {$990.00}. Please note that this loan still carries a balance of almost {$1300.00}. Which is ridiculous considering that I have paid all but XXXX of the original loan amount of XXXX. Their lending was deceptive and the interest and fees are simply legalized loan sharking and preys on individuals that need to seek out alternative lending options.
Consumer complaint received 2016-12-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAINE & WEINER COMPANY, INC. (KY)

XXXX have charged me for services I did not owe due to their computer software change in XXXX and XX/XX/XXXX. I have been unable to communicate with XXXX accounting during those months to rectify their mistakes in accounting. Their accounting representatives and supervisors were unable to help in anyway, and I received multiple different answers to my disputed charges. I finally contacted XXXX to resolve my dispute. XXXX resolved the dispute in late XX/XX/XXXX. I thought the matter was closed. In XX/XX/XXXX, I received a letter from Caine and Weiner Collection Agency demanding I pay {$1600.00} for the debt to XXXX. I have disputed with both XXXX and Caine and Weiner to no avail. I must dispute directly with XXXX accounting. I have tried to do contact XXXX on XXXX XXXX, XXXX and XXXX, XXXX. I continually am directed to automatic answering telling me to leave my telephone number and account number and they will return my call within four hours. I do not receive return calls from XXXX. How can receive proof I owe or provide documentation I do not owe XXXX this debt if they will not communicate with me. This has now affected my credit score. I believe fraud is occurring when XXXX computer system was changing during the time their services were concluded with me. The charges are erroneous. Y
Consumer complaint received 2016-11-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Upon reviewing my Transunion credit report ( XXXX ), I discovered an obsolete account ( creditor name, Navient, account numbers XXXX, dates opened, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, ). Please delete this account immediately as it is too old to be in my credit file. If for some reason the account is verified, please send me the name of the person who provided the information and the method in which it was investigated. 
In accordance with the Fair Credit Reporting Act, Section 605 [ 15 U.S.C. 1681c ] " Running of Reporting Period '', as of XXXX XXXX, XXXX, reporting periods only run 7 or 10 years depending on the type of information. In my case, the information in question expired.
Consumer complaint received 2016-11-28
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Performant Financial Corporation (GA)

PERFORMANT is notorious for strong-arm collection tactics, including ruining credit reports for non-payment. I do not owe this debt to PERFORMANT. It is a student loan that is current with XXXX. I do n't know why they are trying to collect from me.
Consumer complaint received 2016-11-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd. (NY)

Dear CFPB Good day. 
City of XXXX fire department send me a bill for emergency ambulance service on the date of XXXX which i paid on XX/XX/XXXX .After almost about a year later on XXXX XXXX XXXX a XXXX based collection company named Harris and Harris send me Delinquency notification ( XXXX XXXX ) for the above mentioned debt.I spoke with them ( XXXX XXXX XXXX ID XXXX ) that I paid in full almost a year ago and fax them the bank statement ( to XXXX ) XXXX But despite all this Harris and Harris send my account information to XXXX due to unpaid balance which drop my credit score tremendously.Then i called the XXXX of XXXX XXXX fire department they added XXXX as paid amount though i paid XXXX which is the original bill and they showed XXXX as unpaid and the collection agency without informing me send this information to XXXX.this is a harassment from harris and harris and they have a motive to get extra money i believe.I have the documentation of correspondence. I will be more than happy to send you that if you need for investigation.
Consumer complaint received 2016-09-11
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: FMS Inc. (WA)

I was told by multicare they had sent my debt to collections where I was contacted by XXXX XXXX XXXX to set up payments of XXXX until debt was paid I have paid that off and when I recently checked my credit report I saw a collection for another amount to a different company that I was n't aware of. Multi care sent my debt to XXXX different collection agencies instead of sending the full balance to the same place which resulted in me having multiple collection debts instead of XXXX and that I could of had the debt paid if it had been sent to XXXX place.