davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (CA)

I opened a Citibank checking and savings account because they directly advertised a promotion to me when I logged in to my citi.com account. The promotion was a {$400.00} bonus that would be added to your account after meeting requirements. The requirements were that the consumer was to deposit {$15000.00} and maintain that {$15000.00} balance for 60 days. The terms stated that the bonus would be credited within 90 calendar days. The account was opened on XX/XX/XXXX and the {$15000.00} was deposited on XX/XX/XXXX. I contacted Citi on XX/XX/XXXX and the rep confirmed I had met the requirements and told me they were positive the bonus would be credited on XXXX. It was not credited on XXXX. I contacted Citi again and the rep again confirmed that I had met the requirements and said that they would escalate to the promotions who would credit within 2 business days. I contacted Citi again on XX/XX/XXXX and the rep again confirmed that I had met the requirements and said it could take up to 5 business days at most from the initial escalation. I contacted again XX/XX/XXXX and was told there it was with the promotions team and refused further help. As of XX/XX/XXXX, I still have not received the bonus that was advertised to me and I met the minimum requirements. 

I believe the way Citi is handling this issue is unfair to the customer. I believe Citi should honor their promotions that they advertise to clients. I feel other consumers should know about Citi 's practices. 

I printed the promotion page to PDF and took a screenshot when applying. Those will be attached.
Consumer complaint received 2018-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ARVEST BANK GROUP, INC. (CA)

I consistenly monitor my credit reports from all three bureaus, and I am highly frustrated and disappointed with the information that Arvest is reporting to these bureaus.

They main problem is every other month, Arvest says, " we are reporting your information accurately '', then I check with the bureaus ; XXXX  as an example : shows that the account has been closed as of XX/XX/2018 or a month before. They also show no payment history from XX/XX/2018 back to the beginning of this loan.

I have no payment history showing for any years previous to XX/XX/XXXX and XX/XX/2018.

I have a problem with that because Arvest has collected my mortgage payment for years and they onlly show two months mortgage payment of 2018.

The other sad thing is, I have filed several complaints with the CFPB and you all have just stood by idlely and allowed this company to continue to practice these deceitful practices.

They should be held accountable!!! I have no words even for the purpose of filing this complaint. You constantly just forward the complaint and you don't get involved with the process legally. LOOK AT MY INDIVIDUAL CASE AND SEE HOW LONG THEY HAVE VIOLATED MY RIGHTS ( that CFPB is supposedly overseeing ). This is a joke There is clearly a problem with my mortgage company, their third party reporting agencies and the credit bureaus reporting my mortgage information accurately without closing my mortgage account every other month.

Who does that? I make a payment and they close my account when they try to report it????? "?

This has taken a toll on my credit score and report to where I am unable to procure, refinance my loan because the account is " CLOSED WITH NO HISTORY ''.

I am desperately imporing that you take a closer look at my mortgage company, who they have reporting my payments or all 3 of the credit reporting bureaus and their third party reporting entities and how they procure/verify that information.

I NEED INTERVENTION NOW!!!!!!!!!!!!!!!!!!!!!!!
Consumer complaint received 2023-06-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc. (NM)

I moved from XXXX to XXXX NM and had paid all my final bills shortly after moving in XXXX. I had all my mail forwarded to my new residence. I had not received any more bills from the XXXX XXXXXXXX XXXX XXXX XXXX after moving. In fact, I called them to make sure the account was disconnected and everything was paid up. I was assured by the company everything was good. 

On XX/XX/2023, I received a bill from XXXX for {$34.00}, stating they were going to send my bill to collections. I was surprised to see this, but quickly sent a check on XX/XX/2023. I checked my bank statement dated XX/XX/2023 and saw they cashed the check. 

On XX/XX/2023, I received a letter from Diversified Adjustment Service, Inc a debt collector, claiming I had not paid the debt. 

This kind of incompetence is infuriating.
Consumer complaint received 2018-11-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NC)

Navient 's retaliatory actions in response to complaint number : XXXX will cause my wife and I unnecessary financial hardship and stress beginning XX/XX/XXXX. In the complaint, I alluded to what I felt was unethical practices with regards to how Navient was managing my student loans and stated their practices were consistent with the law suit filed against them on the behalf of CFPB in XXXX. It appeared there was little consistency in how the monthly payment monies were distributed between interest and principle. 

I called them on XX/XX/XXXX after getting their response via the CFPB website and asked for further explanation because I needed more clarification than what was explained in their response. They immediately went from explanation of my student loans distribution to pressuring me into a {$1300.00} monthly payment revision I couldn't afford. I declined and stated I could not afford a revision at this time. They continued to persist in me agreeing to 1 of 3 plans with {$1300.00} being the cheapest of the options. I requested they leave the {$450.00} monthly payments in place -- however unfavorable the current payment plan was until I start drawing my Social Security monies next year and at which time I would be better prepared financially the handle a bigger repayment. 

I was told they couldn't " change it back '' to the current payment agreement of {$450.00}, but I never changed the current agreement to begin with! I was merely asking for explanation of payment distribution. After arguing with them for 10 minutes and again explaining to them these were the same type of unethical practices the government sued them for, they terminated the phone call and sent me a new payment plan on XX/XX/XXXX totaling XXXX. 

The {$450.00} monthly payment constituting 1/6th of my monthly net income fit well within my budget. A {$940.00} increase results in a monthly payment of {$1300.00}, this is 1/3rd of my monthly income and will undoubtedly cause financial hardships. At XXXX years of age and facing employment uncertainties, I can ill afford to have this stress affecting my life. Where was the offer for an income-driven repayment plan, why wasn't there a mutually-agreed upon and documented repayment plan? Why not just leave everything in it's current state until I can make better accommodations next year? 

It should be noted that I never sought to revise the payment plan at this time.
Consumer complaint received 2024-09-25
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CO)

In XX/XX/XXXX I saw that I was late on a payment on my XXXX  store credit card account. I called and asked for that late fee to be refunded, which they did, and I paid the remaining balance, or so I thought. What I didn't realized was that there was still {$1.00} left on my account -- I think b/c of interest. Yesterday I checked my account and saw that I my balance was up to {$94.00}, but I hadn't made any purchases. When I checked my account I saw that the company that issues the cards, Bread Financial, charged me {$89.00} in late fees on a {$1.00}. Today, XX/XX/XXXX I called and asked for all fees to be refunded. They refused at first, but still would only refund {$37.00}. Even though I said they would lose me as a customer over this. I escalated the conversation to a supervisor who continued to say they would only refund me {$37.00}, they refused to refund the other late fees, even though the late payment balance was only {$1.00}! I feel this is so predatory, I was stunned. They didn't care that I wanted to close my account, they simply refused to transfer me to anyone that could help and stated over and over again that I " didn't pay the entire balance '' of {$1.00} and they could only offer me {$37.00} refund and that was only IF I kept my account open. So I still owe {$50.00} some dollars of the account -- all in late fees on {$1.00}.
Consumer complaint received 2018-11-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Comerica (GA)

XXXX XXXX, a division of Comerica Bank, has allowed someone to hack my account and steal approximately {$1700.00}. When I notified them on XX/XX/XXXX the charges were still pending but the customer care rep. said that she could not stop payment. I asked her to close the account and she refused saying that you can't close an account that has pending charges. Her advise was to call the next day. When I asked for her name I was disconnected. Currently XXXX XXXX has locked me out of the online account and telephone. Whenever I call my account number is asked and I receive the message that the new card is in the mail then the system disconnects. 
I lodged a complaint with the XXXX of Texas. Comerica Bank told the XXXX XXXX XXXX XXXX XXXX XXXX is a program of the U.S. Treasury, Bureau of the Fiscal Service and therefore is outside the mission of the Better Business Bureau. '' As of date the fraud division of the bank has had no contact with me. 
I have copies of my bank history which shows many banking discrepancies. This account is for my adult dependent son who receives SS and SSI benefits
Consumer complaint received 2018-10-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (SC)

PayPal has refused to engage in dialogue to resolve dispute case XXXX and has practiced avoidance tactics ignoring complaints and hanging up call PayPal has refused to resolve case with following information despite attempts from all parties ( bank, vendor, and myself ) to close out : Original transaction date : XX/XX/2018 Amount : {$450.00} USD PayPal account : XXXX is ( XXXX ) XXXX XXXX. 

Dispute Case : XXXX Receipt : XXXX PayPal needs to immediately refund the {$450.00} to resolve this transaction. PayPal is holding payment without consent of any involved parties. 


PayPal is using deceptive customer practices to delay attempts to resolve this issue by refusing to engage in a direct conversation with a competent employee. When asked to speak to management, they have terminated my calls. PayPal needs to properly respond to my issue. 


Thank you, XXXX
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WA)

The account information regarding my credit score from XXXX is inaccurate. I received a notification from Credit Karma that my credit score was reduced by XXXX points at XXXX. All my credit data is exactly the same as XXXX and in fact, my credit balances have reduced because I am making payments each month. The FCRA makes it clear that bureaus are supposed to report accurate balance and payment data and with that the score should increase over time. XXXX has deliberately sabotaged my credit score by lowering it XXXX points WITHOUT provocation. This bureau has waited several months from my last complaint I filed against them for reporting inaccurate details about my credit, and suddenly they have diminished my credit score to retaliate against me unlawfully! I will upload pics from both XXXX and XXXX to show the exact same credit data and the scores from both bureaus who use XXXX XXXX  instead of XXXX. Credit Karma is their partner and displays information being reported by both XXXX and XXXX to the consumer via their APP. XXXX has reported that a significant vehicle loan had decrease by more that {$1100.00} and suddenly my credit score was decreased by XXXX points!
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC (ID)

Approximately 4 weeks ago I contacted CoreLogic Credco that my consumers nonpublic personal information, as defined by 15 USC 6809 ( 4 ), is being illegally shared without my express consent, per 15 USC 6801 thru 6809 and 15 U.S. Code 1681b ( a ) ( 2 ), and am now expressly opting out of sharing any of my consumers nonpublic personal information with nonaffiliated third-parties, including, though not limited to the following : XXXX, XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX. CoreLogic Credco has yet to acknowledge my request.
Consumer complaint received 2023-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

Please remove the incorrect addresses from my credit file. 
They have never been used by me for mailing or credit application purposes. I have requested for them to be removed many times. This is a violation of the Fair Credit Reporting Act. I have attached a notarized certificate of residence affidavit as well.
Consumer complaint received 2024-11-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (ME)

On XX/XX/year> I took a cash advance from Barclaycardus Credit Card from a XXXX ATM machine for {$200.00}. That cash advance was duplicated XXXX times unbeknownst to me at the time. I contacted the Credit card company numerous times about this in XXXX. I locked the card. Later I was told that Barclay need to put some kind of hold on it, I called on XX/XX/XXXX and on the XXXX about these fraudulent charges. 

I also faxed them on XX/XX/XXXX. Today, XXXX XXXX, XXXX, I must have called and spoken to XXXX different representatives. This has been going on for a very long time. To this date the account still shows that I owe for all these fraudulent charges. The credit card company once again tells me that they are looking into the issue. They are not helpful. This is a very easy situation to explain. I'm still not sure they understand what is going on.
Consumer complaint received 2017-02-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc. (GA)

XXXX reported I had not paid an equipment return fee and the last payment. XXXX tried to collect it. I called them twice and on XX/XX/XXXX I sent them the receipt from the return and bank statement with last payment. Now they have sold it to Franklin Collection Services and they sent me a letter saying are trying to collect the same debt for the exact same amount. I just disputed the last bill also with them under the same circumstances. Apparently XXXX broke the return receipt and the last bill into seperate accounts and now the collection agencies think they are both delinquent. I have bank statements for the exact amount and the original receipts from the equipment return and I have sent these and faxed these and they are ignoring me.
Consumer complaint received 2024-10-22
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

XX/XX/year> XXXXXXXX XXXX  stated I owe XXXX then I contacted them due to false amount not being owed. Then they switched it to XXXX. I was released from the lease with no penalty at the time. I am a XXXX XXXXXXXXXXXX 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. Now they are stating I never paid rent and I owe them XXXX when I do not owe that amount. They also emailed me and stated I was released with out penalty and they would remove this from my credit report.
Consumer complaint received 2017-03-04
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (NJ)

Wells Fargo refused the release estate account money, with a surrogate form and a death certificate. They insisted I needed an EIN, even though I have an estate account with XXXX XXXX XXXX XXXX XXXX. This is after they lost the POD paper work that would have allowed me to withdraw the funds as the beneficiary.
Consumer complaint received 2024-10-24
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. (CA)

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. 

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 and list of Inquiries 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 a 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 ) ( XXXX ) 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 2016-09-30
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

There are actually two parts here - credit card and credit reporting and it goes back to XXXX In XXXX, I received a personalized application in the main for a new credit card from Bank of America. It was addressed specifically to me and not a generalized " Dear valued customer '' and indicated that I had a good credit score and qualified for a new credit card. After giving some thought, I applied for it. It was from Bank of America. However, a month later, in XXXX, I was denied for it with the argument that I had already reached my limit even though I have a XXXX credit score. When I received my monthly statement, it indicated that my file needed to be update or my card could be closed, so I updated it. I contacted Bank of America to find out why I was denied only to be given the run around. Finally, a worker told me that " it was a generic bulk mailing sent to everyone '' ( except for the fact it was specifically to me and not a generic heading ). In XXXX, I received my credit report from XXXX and it said my credit was checked twice by Bank of America, once in XXXX, right before I received the application and again in XXXX after I sent the application in. Now my credit, even though it is excellent, has that I was denied a credit card, which I would not have applied for to begin with if it was a generic bulk mailing and it has that my credit was checked twice in a short period of time, which only drives up my rates. I can gather my papers and send them in if you need, but I would either like to be reconsidered for the credit card, have it entirely removed from my credit report, and to have XXXX of the credit checks removed if I do qualify for the card. It was checked by XXXX different branches of BoA and it seems that XXXX does not know what the other side is doing and that they might have changed their minds after sending out the offer, both of which are bad practices. 

XXXX
Consumer complaint received 2017-02-04
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (PA)

Hello, My concern is that there XXXX be a legitimate problem that needs to be addressed. Or it XXXX be a convenient way of redirecting customers to the website where products and services can be solicited -- in the name of say higher security? On XX/XX/XXXX about XXXX EST. I went to XXXX as I have always done for years. Choosing only Experian. The portal asked me at least XXXX questions that I knew and have known ; however, this time it indicated " We were unable to honor your request. If you entered your credit card information, we did not charge you. '' It then proceeded to tell me how to get it through mail. It also offered an option to upload the request and any documentation required. I was not interested in that option at this time. After a bit of time, I was able to find a number to call. The representative referred me to www.experian.com/view and the response was the same screen. The representative was professional and took my information and was willing to mail it to me. I accepted. For comparison, I then went to XXXX roughly XXXX minutes later to see if this happened with XXXX. XXXX 's process asked XXXX questions and was able to obtain report. This XXXX just be XXXX incident. I am human and imperfect. I could have made a mistake. This is highly unlikely in this incident given the questions asked. 
I have attached the response minus any sensitive information Thank you
Consumer complaint received 2015-08-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX mixed up my account with another XXXX XXXX living in XXXX who was seeking debt relief. They turned my account over to collections XXXX. My credit card account with XXXX was among the accounts that was entered into the debt settlement agreement with XXXX XXXX XXXX XXXX. The last XXXX digits of his Social Security number is XXXX and my last XXXX digits are XXXX. After numerous attempts to have XXXX take care of this, I finally filed a complaint with the Consumer Protection Bureau. XXXX responded to the complaint last week. I am attaching my letter to the Consumer Protection Bureau along with XXXX letter to me. They have indicated in their letter they have requested the credit reporting agencies to delete any delinquencies related to this issue. I want to be sure this is being taken care of as this has been going on for XXXX months and I need my credit restored ASAP. This has created an undue hardship on me and my family. My daughter is in need of a loan and needs me as a cosigner. I need to do this for her as soon as possible. Also I was not able to take advantage of a sales promotion on a car due to my credit score now being in the XXXX as opposed to the XXXX where it was at before this incident. Please let me know this matter has been taken care of and my credit has been restored. My daughter is in need of this loan. This has been going on for XXXX months now.