davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (TX)

Citibank offered {$500.00} bonus for opening a Citi Priority account from XXXX. The required banking activities to earn {$500.00} are : 1, to qualify to earn a {$500.00} cash bonus, you must open a new eligible consumer checking account in the Citi Priority Account Package between XXXX. 
2, within thirty ( 30 ) days of account opening you must complete the following : - make a qualifying deposit of {$50000.00} or more in new-to-Citibank funds into the new checking account or your new or existing Citibank Saving Plus or Citi savings account, and maintain a minimum balance of {$50000.00} for sixty ( 60 ) consecutive calendar days following the date you make your qualifying deposit.
- Enroll you new checking account in paperless statements.
I opened a new Citi priority checking account package on XXXX/XXXX/XXXX and funded it with {$50000.00} new money on XXXX. On the same day, I enrolled my account in paperless statements. 
On XXXX/XXXX/XXXX, I got an email saying that I could not get the {$500.00} bonus because I did n't fulfill the requirements for this promotion. But the truth is I opened the account and completed all the requirements In XXXX. 
I called Citibank on the next day. The CSR told me they would deposit {$500.00} into my account within 3 business days. After one and half month, I have n't got my {$500.00} yet. 
I attached the screenshots and the document about the promotion. Please help me to resolve the problem. 
Thank you.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (SC)

On XXXX XXXX, XXXX a due date change was conducted with Toyota Financial Services for my monthly car payments for my XXXX XXXX XXXX. It was changed from the XXXX of every month to the XXXX of every month. My monthly payments are {$450.00}. I have never been late on any of these payments and my contract gives me a 15 day grace period where no late fees or interest charges will be held against me. I sometimes pay the full amount on the XXXX or XXXX day, or I 'll split the payment in half and pay half on the XXXX and half on the XXXX or whatever date lands on 15 days. Ever since my due date change I started getting calls from Toyota Financial Services about being late or my payments not being received. Each time I would stay on the phone for an hour ( being bounced around ) explaining what my contract says and how my due date was changed. Each time this information was always confirmed and the call was always ended with an apology. I get these same phone calls at least twice a month. I then checked my credit report and saw that Toyota Financial Services reported a 30 day late marker to my credit report for the month of XXXX and XXXX. This greatly affected my credit score. When I called and asked them about it they admitted that they never updated my due date change in their system, which caused every payment to show up late. They once again apologized and said they would send a letter to all 3 credit bureaus on their behalf. The late marker for XXXX and XXXX was removed, but then I received ANOTHER 30 day late marker on my report for XXXXI called them on XXXX XXXX, XXXX to get this resolved and was once again bounced around on the phone for over a hour, just to hear a manager tell me " I honestly ca n't give you an answer as to why this is happening. '' This whole experience has been dreadful. Credit is everything and a company should n't have the right to keep reporting false negative marks. Especially when they ca n't even give you a reason why.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Because of the XXXX data breach I tried to freeze my credit with Transunion ( and the other credit bureaus as well ). I was able to find the link to complete the credit freeze process online several days ago but now Transunion appears to have hidden the ability to do this online. Now I am only able to find their pay credit monitoring service. This is not the same as freezing credit and I do not want their credit monitoring service, I want to freeze my credit. I called their 800 line but get disconnected when trying to complete the credit freeze process. 
I can only presume that Transunion is doing this on purpose in an effort to get people to purchase their credit monitoring service - something that is not at all equivalent to freezing credit.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

I am deeply concerned by the recent Equifax data breach. Equifax 's negligence has allowed the personally identifiable information of 140,000,000+ Americans to be stolen. This includes names, date of birth, social security number, past addresses, and loan information. This breach poses a serious threat to all of those affected. The practice of using social security number for loan verification purposes is deeply flawed system and requires swift and immediate overhaul. 

Currently, the only way to protect oneself by placing a credit freeze with each of the three credit reporting firms. This is an arduous process, in which the credit reporting firms attempt to sell identify theft protection at every turn. To make matters worse, if a consumer does freeze their credit they are required to pay the firm in the future to lift the freeze. 

To summarize : 1 : Americans have no choice but to allow these credit rating firms to collect their private information. 
2 : The credit rating firms allow citizens ' private information to be stolen. 
3 : The victims have little protection, if any, and now have a lifetime of worry ahead of them. 
4 : The victims of this crime have to pay the very same firms who leaked their information to protect them. 

Please take action to rectify this grave injustice and protect the American public. Credit rating verification should not be in the hands of these reckless firms. It should reside with government.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Credit reporting agencies collect, retain, and distribute my personal and financial information, most of which is done without my explicit consent. Now one of these agencies has compromised the data of nearly every American adult. I should not have to pay a fee to freeze my credit, or an additional fee to thaw that freeze later. I would like governmental intervention to make freezing and thawing free.
Consumer complaint received 2017-09-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (TX)

My husband and I sent our final payment in to Best Buy via phone on XX/XX/2017. This was after we made contact with a Customer Care Rep at a Best Buy store to inquire about the balance. We also called Best Buy Customer Service to inquire about the payoff amount. Both times, we asked if there would be a late fee and we were informed both times that there would n't be one. We were also informed via the phone that if there was one, that it would be refunded and that we would n't have to worry about it. 

My husband began getting daily calls about a month later, but did n't know why. When he asked me about the account, I confirmed with him that it had been paid off and that those calls were most likely sales calls from telemarketers. Again, being reassured by both Customer Service/Care Agents, there was n't any reason for us to be concerned about additional charges. 

Today, we both called again, only to find out that not one late charge was filed, but two additional late charges were filed, one for XX/XX/XXXX and one for XX/XX/XXXX. I was flabbergasted! We had a XXXX   balance and now three additional late charges have been filed. We asked if those late charges could be waived to reflect a XXXX balance since we have not made any additional purchases. Additionally, had the Representative told me that there would be a fee, I would have included it in my final payment. That would not have been an issue whatsoever. We were told that the " best '' they could do was waive the last fee. This did not satisfy me because of what we were assured AND the balance was paid off. 

We are requesting that all three late charges be waived. The Customer Service Manager waived the most recent fee, which left a balance of {$55.00}. So, specifically, we are requesting that the remaining {$55.00} be waived to reflect a XXXX/paid in full balance on our account. 

I am concerned that consumers who have touch points with any party associated the Best Buy brand or corporation may get conflicting information. Although we were offered apologies on behalf of the previous Customer Care Representatives, we were still only offered a waiver of the most recent late fee.
Consumer complaint received 2017-09-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (PA)

My identity was stolen and my XXXX XXXX XXXX   MasterCard credit card was used to make a purchase for {$610.00} on XX/XX/XXXX.  XXXX XXXX notified me, via U.S. mail, on XX/XX/XXXX that a restriction was placed on my card to until they could confirm that there is no fraud occurring. I was directed to call Synchrony 's XXXX number to discuss this with them. I called Synchrony and was told that a purchase was made on my card for {$610.00}, and I was asked if I made that purchase. I DID NOT make that purchase. XXXX XXXX said its fraud department would instigate and investigation. I have had numerous discussions with Synchrony 's fraud department. The bank had me call the " alleged '' vendor, XXXX XXXX XXXX XXXX XXXX at XXXX. I called this number, and it is disconnected. I called back to the Synchrony 's fraud department and told them the number is disconnected. Synchrony then asked that I contact PayPal. I called PayPal, and PayPal verified that I did not make the {$610.00} purchase. I called XXXX XXXX and told them what I found out. One of Synchrony 's investigators even admitted to me that they did not do a good investigation. He said they would investigate further. I spoke with my attorney in the meantime, and he told me that XXXX XXXX must produce " hard copy '' proof that the items purchased from XXXX XXXX XXXX XXXX XXXX were sent to my home. Each time XXXX XXXX denies my claim and says that I owe the {$610.00}, they do not have this proof. All XXXX XXXX has is that the vendor told them the items were shipped to my home. The vendor can not be contacted, and they have not gotten the information from the post office or from USPS to show the items were actually shipped to me. My attorney and I agree, until they can give me " hard copy '' proof, it is my word ( a valued customer ) versus a vendor that can not be contacted that the items were not shipped to me. This has been going back-and-forth between XXXX XXXX and me since XX/XX/XXXX. Each time I speak with Synchrony, nothing has been done. Yet they continue to ask for this payment from me. I am tired of the harassment and the time invested to clear my good name. I have excellent credit, and have always paid my bills. I even went to my local police department and filed an identity theft claim. Now, would an honest person do this? Please help me.
Consumer complaint received 2017-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

XX/XX/XXXX, I got the American Express XXXX XXXX credit card during a period when they were offering XXXX points after spending at least {$3000.00} in the first 3 months. 

XX/XX/XXXX, I met the minimum spend of {$3000.00}, less than 2 months after account opening. 

XXXX, I still had not received the points so I chatted online with a customer service representative who told me the points would post 6-8 weeks after meeting the minimum spend. At this point it had only been 7 weeks, so I waited a little longer. 

XX/XX/XXXX, still no points. So I chatted online and the representative told me the points should be there in 7-10 days but I might have more luck if I call the number on my card. So I did that. But this representative told me the same thing, 7-10 days. So I waited. 

On XX/XX/XXXX, still no points so I chat online and the customer service representative told me I had already received the points. After some 20 minutes of argument I realized that he was talking about a XXXX point referral bonus I was awarded for referring my boyfriend ( despite confirming at the beginning of the conversation, I see youre inquiring about the sign-up bonus ). So I give up on this guy and call on the phone. The phone representative apologizes profusely, tells me the problem has been escalated, it should be resolved in 24-48 hours and a supervisor will call me to let me know. 

XX/XX/XXXX I receive a voicemail from a supervisor named XXXX telling me that the problem has been resolved and if I have any questions I can call him at his extension. 

XX/XX/XXXX I look at my account, still no points. So I call up and tell the representative that I want to speak to XXXX. He tells me XXXX is not there but another supervisor will call me back in 24 hours.

XX/XX/XXXX 24 hours later and still no call, so I call them. The rep I speak to tries to argue with me that for some  reason Im not actually entitled to the points so I ask to speak to a supervisor. That supervisor tells me that Ill get the points by XX/XX/XXXX. This time I push very hard and explain what Ive already been through, that I dont really believe her because Ive been told such things many times now, and isnt there some way to just credit the points to the account now? No, I have to wait until XX/XX/XXXX and the points will be there. 

XX/XX/XXXX Still no points. So I call them up again. A representative named XXXX tells me there is a technical error and she does not know when Ill get the points. She can not give me a date. I 'm now wondering if I will EVER get these points, and I feel bad for those folks who literally do n't have the time to go through all this frustration and are forced to just accept that American Express has screwed them out of about {$600.00} worth of points.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Today is XXXX XXXX 2017. Last week I checked online with XXXX to find out if my info was breached. The response was that it may have been ( a yes or no would have been helpful ). Today I attempted to place a credit freeze with XXXX XXXX and TransUnion by phone and online. They were unable to process my request. 

Their industry created a potentially big problem for me but they are not allowing me to protect myself.
Consumer complaint received 2017-09-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pendrick Capital Partners Holding, LLC (CA)

I have set up payments with XXXX XXXX XXXX XXXX XXXX XXXX XXXX mo XXXX on this account. XXXX XXXX and pendricks capitol partners and now double dipping and wont talk or remove. then they they just sent me another one for empg that on is with XXXX XXXX XXXX here we go agian the one is XXXX years old. 
thank you XXXX XXXX XXXX
Consumer complaint received 2017-08-14
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY ()

Dear Sir/Madam, I have saving and checking accounts in Wells Fargo since XX/XX/XXXX. I have transferred over 600 k usd from overseas to make investment in the US.
I have visited XXXX NJ branche many times and made some banking operations. Last one was in XXXX XXXX  2017, XXXX, New Jersey. I explained branch officers that I live out of the USA and I sometimes need to make international wire transfer from my Wells Fargo Accounts to my personal accounts in banks like XXXX in the XXXX or XXXX ind XXXX. They said I am free to make transfers.
Now I live in XXXX, I cant make wire transfer to my XXXX XXXX of XXXX account. I tried every single option of on-line services, but somehow the system has stopped me and gave try it later message. I called WF customer service here from XXXX but the agent said me unless I visit one of branches physically they ca n't allow to move money. Wells Fargo does not help me, and they do not care about me. I am here with limited money. I have to use Wells Fargo debit card, they frequently charge international purchase transaction fee for each transaction. Moreover, they are converting currency lower the rates.
I attached XXXX 2017 Online Statement for your review.
I want to begin a complaint process about Wells Fargo regarding their attitude to me.
Wells Fargo Branch : XXXX XXXX XXXX, XXXX, NJ, XXXX Everyday Checking Account number : XXXX
Consumer complaint received 2018-05-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (OK)

Originally submitted loss mitigation application on XX/XX/XXXX. Was informed that paperwork was incomplete ( stated that the pay stub submitted for XX/XX/XXXX had been cut off and was not showing all of the deduction information ). Re-submitted XX/XX/XXXX paystub and XX/XX/XXXX paystub on XX/XX/XXXX. Also informed customer service that I was a XXXX and was paid only once a month. At that point, I was informed to re-submit the application, noting that I was a XXXX  on an 11 month contract. I re-submitted the application on XX/XX/XXXX and included XX/XX/XXXX pay stub in addition to XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I contacted the company for an update and was told that i needed to provide the correct tax form. I submitted the tax form on XX/XX/XXXX. I contacted the company for an update and was told once again that my pay stub was missing information. I informed the company that my pay stub was complete and that I explained to the customer service rep how to read my pay stub and where to find the info that was needed. The rep made a note in my file for the underwriter. The rep also informed me that I needed to submit a new paystub for the month. On XX/XX/XXXX, I submitted my pay stub for XX/XX/XXXX. I called a week later for an update and was informed that the pay stub was incomplete. I explained once again how to read my pay stub and was told that a note would be put in my file. On XX/XX/XXXX, I received a letter informing me of my denial with the reason being incomplete package. I called the company on XX/XX/XXXX and was told that the denial was due to my pay stub being incomplete. Once again ( for the third time ) I explained how to read my pay stub and informed the rep that I am only paid once a month. The rep put me on hold and came back to the phone to inform me that there was nothing she could do and that I would have to submit a new application and start the process over. A new application was emailed to me on XX/XX/XXXX.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Equifax poorly performed its duties in seuring my personal and financial information. 

They were recently hacked ( XXXX XXXX, XXXX ), and have confirmed that I have been a victim of the hack ( as of XXXX/XXXX/XXXX ). The company demonstrated gross negligence in this matter by : 1 ) Waiting over a month to alert the public ( me ) of this breach and security risk.
2 ) failing to secure data in a manner accordance with the laws and standards ( PCI and PII compliance was not met ) 3 ) Acting insufficiently in the aftermath ( Filed a press conference as opposed to contacting me directly, having a weak PIN solution for credit freezes ) Due to this breach, from this point forward I need to be vigilant over my credit report as now anyone can have access to all of my personal data. This will require at a minimum, a premium monitoring solution. It 's entirely reasonable to assume that I will also need to deal with a compromised identity in the future, which will take hours of personal time and effort to mitigate, and can potentially range into the hundreds of thousands of dollars in damages.
Consumer complaint received 2017-09-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (TN)

XXXX XXXX, XXXX central time zone I wire transferred {$8500.00} to Coinbase Inc. at the following address and information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NY XXXX United States Account Number : XXXX Routing Number : XXXX Recipient Name : Coinbase, Inc Recipient Address : XXXX XXXX XXXX, # XXXX, XXXX XXXX , CA XXXX Reference Number : XXXX I have emailed them, contacted them by support, and I have now waited 8 days for what they said was going to be a " same day '' transaction. 

Any help will be greatly appreciated. 

XXXX XXXX
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

It is unbelievable that XXXX waited so many days to acknowledge and make consumers aware that their security had been breached and the information of millions of people, info they have no control over nor say in most cases without paying them, was stolen. Lest anyone be confused, it took them a considerable amoutn of time to even realize their security had been breached. XXXX XXXX lack of a meaningful initial response, unpreparedness for dealing with the problem and having meaningful solutions with a week to prepare before letting people know, and a horrible website that was confusing, lacking credible and usable information, and had an ID theft checker that sent everyone to another confusing page that said you had to wait to sign up, whether or not you used a real name or random six numbers. 

This is completely unfathomable, and as a corporation and " individual '', as recognized by the courts, publicly and socially irresponsible, and put us in danger of damages, both financially and physically, that could result from the release of the stolen information, the delayed public response, and incomplete measures and solutions XXXX offered consumers to deal with the breach. 

Now I, and my fellow Americans, have another headache -- or possibly numerous if the information is used to file a false tax return, charge items on credit cards or drain bank accounts -- to deal with.