davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-04
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (SD)

I contacted Citibank through their Customer Service line for credit cards @ XXXX on XXXX XXXX, XXXX in order to resolve a long term issue : I have a Dividend Rewards Credit Card offering 1 % cash back on purchases. I requested to redeem multiple checks for dividend dollars earned. XXXX of these checks have never arrived, XXXX dating from XXXX of XXXX. I received an e-mail stating " We 've placed a stop payment on your refund check We sent you a refund check for {$360.00} dated XXXX XXXX, XXXX, but our records show that you still have n't cashed it. For your protection, we applied a stop payment to it. '' However I never received this check, nor the other dividend rewards checks that I had requested. I requested new checks multiple times over the past 6 months but have yet to receive them. I have verified and re-verified my address with Citibank and they are able to send me new credit cards as well as mailed offers but I have yet to receive the checks I requested. 

When I contacted Citibank on XXXX XXXX, XXXX the agent stated that they would, instead of sending another round of checks, apply the check amounts towards my credit card balance. I agreed and they stated it would show up on my next statement. I contacted them again today XXXX/XXXX/XXXX. They stated that they could not apply that amount to the balance and that they could only send a check. I asked to speak with a supervisor. They stated there was no supervisor available, to wait 3 days. I asked to file a complaint or to have a number for the executive office. They stated they could not provide a number, that anything else I required would have to go through a supervisor who was not available. I spoke with employee ID NUMBER XXXX. 

Since I am unable to receive the rewards entitled to me by the credit card agreement for my dividend rewards card my only other recourse, besides legal action is to submit this complaint, in the hopes that my issue may be resolved in a timely manner. It has been 8 months since the original check amount above was issued but never received and over a month since requesting the check again as well as the other checks I am entitled to. The amounts have been deducted from my dividend rewards without redemption.
Consumer complaint received 2017-03-21
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (CA)

I received a letter from Synchrony Bank notifying me that an account was opened with Walmart. It states " Since the address and/or first-last name on the application did not match the address and/or first-last name contained in the consumer credit bureau report, we are writing to you to confirm that the account was opened at your request. '' I called Synchrony and the rep tells me if the information did n't match we would not have opened a card for you ... let me look. He says, Oh! you 're right it did get opened. Then he asks if I applied for TJ Maxx and American Eagle? I said no. Oh those were approved too. I said, if the information on the application does n't match my credit report then why was it opened? I 'm not quite sure. I find it a little concerning on my part that this credit card company is randomly opening accounts without thoroughly checking to see if the information is correct.
Consumer complaint received 2016-05-12
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ENCORE CAPITAL GROUP INC. (AZ)

Midland Credit Management Representatiive, XXXX XXXX at XXXX x XXXX called my home residence phone number and disclosed third party information about my debt ( credit card ) owed. Disclosed total balance due ( XXXX ) amount of the charges. The third party advised her that it was not his bill never heard of the company she represented and she informed him he was responsible for the debt. He advised her he never used any credit card. He asked her for her name and number and she advised she could talk to him and would take legal action if bill wasnt paid. He offered to take a number and and will give the message. He did try to tell the representative that she should not be calling. On XXXX XXXX, 2016 I called the company and spoke to XXXX, XXXX XXXX XXXX XXXX XXXX xand advised of disclosure and put a cease and desist .Got her superior name of XXXX XXXX XXXX She then stated they did not break any laws. I disagreed and advise I will check into my options.
Consumer complaint received 2016-06-21
Product: Credit card — 
Issue: Rewards — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My account was closed by XXXX on XXXX/XXXX/16 by the bank, however, I have earned rewards of XXXX Worldpoints that are clearly visibility on the website as I type this but I am unable to redeem because the account is closed. I called XXXX on XX/XX/XXXX and they said I would receive a letter in 5 days. Today XX/XX/XXXX, I received notice that because the account is closed I could n't redeem rewards. It was not my choice to close the account, and I should be able to cash out my rewards earned. Please have XXXX send me a check in the amount of {$1000.00} which I could normal redeem these rewards for if the account is open. It is bad business by XXXX to close my account without my consent. I have been paying the account as agreed with no late payments and should be able to cash out rewards. Please have XXXX contact me at XXXX to discuss sending my rewards or legal action may be required. 

Sincerely, XXXX XXXX
Consumer complaint received 2016-09-06
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: Miller, Stark, Klein and Associates (WA)

I have been contacted by several companies regarding a XXXX XXXX account from several years ago. The first time I was contacted by the collection agency ( XXXX XXXX XXXX ) I paid the balance and received a paid in full letter. Over the past few years I have been contact by approximately XXXX-XXXX other agencies regarding the same debt. Each time I tell them it has already been paid and either email or fax the paid in full letter, only after being threatened and degraded in an attempt to collect. Most recently I was contacted by Miller Stark Klien and Associates by a woman named XXXX about the same debt. I immediately told her it had been taken care of for over two years and she asked me to email her the letter showing it had been paid with another agency. I emailed it within minutes and asked for a confirmation of receipt which I did not receive. My husband was contacted about it a few days later.
Consumer complaint received 2016-12-06
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Money Now- Hattiesburg, Inc. (KY)

Just recently started receiving threatening letters from Money Now. I have called the store on XXXX XXXX several times and left voicemails for the manager and also asked that they provide date/proof of debt ( mail to me ). No call backs and no proof. Money Now recently sent me an even more threatening letter. I am attaching all for your review. I believe they are over any KY statute of limitation timeframe to collect this alleged debt and/or are outside their mandates legally.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2016-06-18
Product: Credit card — 
Issue: Balance transfer — 
Company: CITIBANK, N.A. (FL)

Dear Sir or Madam, here is the issue I just recently went by dealing with Citi Bank credit card : last week I received an email from XXXX XXXX about opening a new credit card with Citi Bank because I already have some miles with them and they now offered more benefits and I choose to go with it and used my home computer and started on XXXX XXXX website which later transfer my directly to the Citi Bank website so when I filled out all my data online Citi Bank confirmed right away on the same screen on their website that I was approved for {$4000.00} credit card and offered 0 % interest on the balance transfer for first 21 months if I choose it right now as well as to add an authorised user so I added my wife and requested {$3500.00} balance transfer Citi Bank charged me a bit over {$100.00} for it as they said only one time fee and said that it will be no interest for 21 months but when I received actual card today the Citi Bank wrote me totally different things saying that I have to pay them 22.24 % since the beginning and even no single word about my balance transfer and that offer I used ... 
I was trying to log in on my account with them to see what 's going on but Citi Bank showed there a message it is an error and they sorry about it ... 
I called Citi Bank via my cellphone and in an hour was speaking with their technical department and they said cause some issues on their end they there flashed everything I had on my account and asked me to start over to set everything again from nothing ... 
I did as they said because they was all the time with me on the phone directing what to do and I asked them about my offer for balance transfer with 0 % interest for first 21 months - they said yes it is available but I need to speak with customer service about it and they transfer me to them only thing that Citi Bank customer Service representative on the phone said yes they have this 0 % balance transfer offer for first 21 months but my data do n't have any records about it and they not turned it on in my case I asked to speak with Citi Bank supervisor / manager about this issue but she said if I do n't have paper / picture confirmation which I must take on my own while my initial application and approval was done on their website - she can not reapply the same offer they offered me since the beginning and they going to charge me for full price and all interest ... 

I think this is perfect set up for making people trapped to pay high interest by false advertising and computer tricks which the Citi Bank is doing on purpose to gain profit!!!! 

please help me out - I want my original offer / conditions to be applied as it was on promotional balance transfer with 0 % interest for first 21 months
Consumer complaint received 2016-06-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

I signed up with a promotional code offered by Citibank offering XXXX AAdvantage Miles ( XXXX XXXX ) for opening a CitiGold checking account and completing a few requirements, eg. Making {$1000.00} in debit card purchases and using their billpay system in two consecutive months. I opened the account using the promotion code, and I sent Citibank a message through their online banking to confirm the offer was applied to my account. I received the following response " I have contacted XXXX ( XXXX ) on your behalf and I have confirmed that your account was opened with promotion : XXXX -Open a new Regular Checking account in The Citigold Account package by XXXX/XXXX/16. 
-Then, within 60 days after account opening : the required minimum amount {$1000.00} of purchases using the Citibank Debit Card 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. 

XXXX XXXX, I am confident that this information will be helpful for you. I would like to personally thank you for your business and we appreciate having you for our customer. We look forward to serving you for many years to come! '' This secure message confirmed to me that the account was opened correctly and the promotion was active. Upon completing the requirements I contacted Citi again to confirm the requirements were met their response is as follows '' XXXX XXXX, I understand you will like to know if you completed the requirements for the promotion you used when your account was opened, my name is XXXX and I will gladly explain if we can expedite the bonus miles and confirm if you completed the requirements. 

I am glad to see that you completed the requirements in this month of XXXX and I happy to hear that you will be planning a trip soon and you will like to use the bonus miles, however we are unable to expedite the bonus, Citibank needs to make sure that all our clients fulfill all the Terms and Conditions for our promotions equally and fairly. '' This message went on to explain more of the terms and conditions which confirm that I was eligible as I received this offered code and I have not been a Citi account holder in the previous 60 days. 

I it has been more than 90 days since I completed the requirements of the promotion and the AAdvantage miles have not posted. I have tried to contact Citibank but they continue to respond with vague promises to respond and no resolutions, they refuse give time frames or confirm the date I will receive the miles and I have to date not received the promotional miles. 

Citibank through two separate secure messages confirmed the promotion was applied to my account, and confirmed I met the requirements for the bonus. They are now trying to deny awarding this bonus to me. Citibank is acting fraudulently and are trying to get out of awarding the bonus.
Consumer complaint received 2016-05-12
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY (MI)

I had a huge issue with American Express for my credit card when I requested to have my name revised and my address updated. 

1. I have not receive my new credit card as promised. 
2. I have not been reimbursed the expenses I incurred to verify my identity as I told. This is all recorded and I have submitted the invoice as well as the request of a credit for the harassment they incurred.
Consumer complaint received 2024-08-27
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. (OH)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Filed on XX/XX/year> Reference number : XXXX Court : XXXX XXXX XXXX XXXX  XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-12-06
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: SLM CORPORATION (NM)

I have want to remove a co-signer from a private loan that I got through Sallie Mae to go to school and they have refused to do so. I followed THEIR guidelines for doing so by obtaining my degree and sending them a transcript, showing that I am financially able to pay the loan, and made XXXX non XXXX late payments as they requested after my disenrollment. I am not sure what else I am to do if they do not follow their own guidelines. I believe that they, Sallie Mae, for whatever reason are not following their own guidelines in reference to my account. I have no issue with continuing my agreement without my co-signer and I am unsure why Sallie Mae has not allowed me to remove the co-signer as the reason to have a cosigner is for that fact of being financially secure. Also on a side not they apply a {$10.00} charge to my account if I make my payments one or more days past the payment due date. For example the payment is due on the XXXX of every month, if I make a payment on the XXXX I incur the fee, which is fine as a business practice but I am unsure if because of that they are unable/unwilling to remove my cosigner. I have made no XXXX late payments to Sallie Mae and that is reflected in my credit reports as well. I seek to remove my co-signer because when my account does come due on the XXXX, they begin calling my co-signers home and work multiple time a day after he has asked them to stop, it places an undue hardship on my co-signer being on the loan. I understand that I must make an effort to make MY payments on or before the due date but also according to " standard late '' guidelines I am not late. As I said I am not 30, 90, or 120 late to Sallie Mae therefore I am unsure why they prey on my co-signer as they do. To reiterate the point I followed THEIR guidelines and would like my co-signer removed.
Consumer complaint received 2016-12-06
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: JPMORGAN CHASE & CO. (NY)

I, XXXX, am getting calls from CHASE, using a blocked phone number, to my cell phone, XXXX XXXX 813 - 7894, stating they are trying to reach my sisterXXXX. My sister, XXXX, does not use my phone, she has her own phone number XXXX. This is my second complaint as I received calls after I was told not to call this phone number, yet they continued to call this number, from a blocked number. The rep who called was, XXXX XXXX, stating the call back number was XXXX. The managers name is XXXX, with employee ID : XXXX. The call took place today, Tuesday, XXXX at XXXX XXXX XXXX.
Consumer complaint received 2016-09-06
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (MA)

I got an American Express Platinum card which promised XXXX membership rewards points upon spending {$3000.00} in 3 months. I met the spending on the card and I was awarded the XXXX membership rewards points. Upon receiving the points I redeemed the XXXX points for travel. After I redeemed my points, American Express took my points back and now I am sitting at XXXX points. I got a letter from American Express that I redeemed my points too soon and that is why they took the points back. This is not part of the agreement. Because of this issue whatever the points I earn through platinum card purchases will go to the negative balance of the points. American Express should provide my points back as I met the minimum spend as mentioned in the agreement.
Consumer complaint received 2016-09-04
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (AZ)

I applied XX/XX/2016 for American Express Personal Platinum with a bonus of XXXX membership rewards points. XX/XX/XXXX those points were awarded after I spent XXXX in purchases on the card. On XX/XX/XXXX the XXXX awarded points and XXXX points in my previous balance were frozen. I could not use them, spend them, or transfer them. I opened another CFPB complaint and AMEX responded stating my spend was not enough ( over XXXX ) to earn the bonus, which was false. I decided to close the card on XX/XX/XXXX to see if my points would unfreeze. They did, and I was able to buy a gift card. Then on XXXX XXXX I tried to use my points again and they were frozen. On XX/XX/XXXX I logged in to see I was negative XXXX points in my account which means AMEX took back the bonus I had earned. I called Amex on XX/XX/XXXX and the membership rewards person informed me that my spending had been fine, but that the personal platinum product was identical to my XXXX Platinum and therefore I would n't earn the bonus. The problem here is that the XXXX Platinum is not the same product, and the wording in my offer for the XXXX XXXX did not say anything about having only XXXX platinum card in your portfolio. Also, I received no bonus for the XXXX Platinum as it is a banking solution from my investments, and does n't appear to be tied to any other Personal Platinum product. After doing research I was informed that the XXXX are not the same product, and AMEX has stolen the points I earned for my first ever Personal Platinum product.
Consumer complaint received 2016-09-06
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (PA)

Several months ago, I proactively contacted Citibank because I thought I 'd be unable to make my monthly payment due to unforseen medical bills. When I talked to a Citibank customer service representative to make payment arrangements, he told me that one of the " perks '' of my Citi " Simplicity '' card was that I was allowed to entirely skip a payment without any penalty whatsoever. He advised me that I should thus pay my medical expenses, and NOT pay Citibank that month. I asked if this would be reported to the credit bureaus, and I was assured again that that was allowable as a Simplicity cardholder unless several months would pass without payment. 

I know that Citi definitely has written and possibly even recorded accounts of this conversation that took place around XX/XX/XXXX or XX/XX/2015. Obviously, I was given wrong advice and was turned in to the credit bureaus. The payment WAS missed, this is NOT under dispute. The reason the payment was missed was because I was told to do this by one of Citibank 's representatives, and I relied on his advice. 

The fact of the matter is the rep should have stated that, should I miss a payment, I would not be charged a late fee. This is NOT the message that was conveyed -- he advised me to NOT PAY for that month, to actually skip a payment -- and that there would be no ramifications due to the benefits of the Simplicity card. 

My FICO score plummeted from about XXXX+ to XXXX, and even though I recently paid citibank {$20000.00} ( XXXX XXXX ) dollars, it remains low. This is the only payment I 'd ever missed with ANY account in my entire credit history, and it 's only there because I relied on and followed the advice of Citibank 's representative. Other Citi reps have apologized, and supervisors have even given me credit on the card for the trouble this has caused with the promise that this will be removed -- but it has not. They 've now seem to lost track of what has happened, and are only looking at the fact that a payment was missed, not why. I 'm appalled that it seemed impossible to get them to look into this, so I 'm hoping you can make them see what has transpired. I feel this is Citibank 's fault, not mine, and my credit score and history should be mended.