davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-28
Product: Prepaid card — Gift or merchant card
Issue: Unauthorized transactions/trans. issues — 
Company: Incomm Holdings Inc. (NY)

In XXXX of 2016 I used a " XXXX Gift Card '' with a total value of {$250.00} to purchase a product and a XXXX service from XXXX XXXX located in XXXX, New Jersey. The balance on the gift card after the purchase and spa service was {$160.00}. I then used the card once at XXXX XXXX Jewelry in XXXX, New Jersey for watch repair in the amount of {$20.00}. This left a balance on the gift card of {$140.00}. In XXXX of 2016 I attempted to use the card to pay a portion of the cost of new eyeglasses and much to my surprise, the balance on the card, instead of being the {$140.00}, was instead {$34.00}. I was stunned because I had not used the card since XXXX of 2016. I pulled up the account history on the XXXX XXXX Gift Card website and discovered that XXXX had been deducting {$19.00} from my gift card each month for a total deduction of {$110.00}. These deductions were not authorized by me. I contacted XXXX and they claimed they knew nothing about any unauthorized deductions paid to them and that I should contact the XXXX Gift Card Customer Service Center. XXXX XXXX refused to refund the fraudulently deducted funds. I contacted the New Jersey XXXX and a few weeks later they responded to my complaint stating that they tried to contact XXXX but were told the company was out of business. That is not true. The XXXX is still in the same location and still very much in business. I contacted the XXXX XXXX Gift Card Customer Service department in XXXX and filed a written explanation of my complaint. In XXXX I received a letter from XXXX stating that they were unable to recover the funds. This seems to be a scam to me as I did not authorize the monthly deductions from my gift card and have not been back to the XXXX XXXX XXXX since XXXX 2016. Attached is a copy of the Account History showing the unauthorized deductions, the letter from Income which runs the XXXX XXXX Gift Card complaint department and the Chargeback Rebuttal Info sheet whereby XXXX states to Inc that services were rendered which is completely false. XXXX reimbursed me the {$34.00} " balance '' left of the card when it was deactivated in XXXX of 2016 but I am still owed the {$110.00} that was fraudulently deducted from my card without my knowledge or approval and for which NO SERVICES were rendered.
Consumer complaint received 2016-05-23
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (GA)

To Whom It May Concern, I recently signed up for a bank account with Citibank due to a promotion they were offering of XXXX XXXX XXXX miles upon successful completion of certain requirements. The promotion was confirmed to be attached to my account with an online chat representative and I completed the requirements. However, Citibank is now stating I am ineligible for the promotion and will not credit me the miles even after charging monthly maintenance fees on my bank account. Since there is not even a Citibank branch near my house or work, the bonus outweighed the lack of convenience and got me to deposit my funds with their bank. I believe it would be deceptive and bad practice to not honor this promotion since it was a strong factor in even choosing their bank.
Consumer complaint received 2016-05-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (MD)

Good Day : I am experiencing hardship and my mortgage is upside down. I solicited help through HOPE and was connected to XXXX. Who assisted me with my application with Citimortage for a loan modification. My application was sent XX/XX/2015. We were assigned an agent who we found to be very disrespectful of our time. Both the counselor from XXXX and myself were extremely disappointed and filed a complaint with a CitiMortgage supervisor. After our complaint were reviewed, I was assigned to another agent. 

I find that CitiMortage makes it difficult to speak with agents and deliberately makes the process daunting. Also, agents do not keep their appointments which makes the process very difficult. 
After calculating my expenses etc and going over my present hardship. XXXX agreed that I qualified for the Making Home Affordable Program. And suggested what my mortgage will be reduced too to assist me. 

Due to the fact that my XXXX counselor is on the XXXX XXXX and I am on XXXX. We scheduled specific times to speak with the representatives at CitiMortage, who made the process very difficult. 
When, I finally got my application in. The process became very confusing and I felt that either the process is discriminating, or CitiMortgage designs the process to frustrate its borrowers. 
I received a document form Citimortage on XXXX XXXX. Stating that I will receive information concerning my Making Home Affordable Modification Program, Payment Trial Payment Plan. The letter stated that once I met the terms of XXXX XXXX. My loan XXXX be permanently modified. 
After this letter I continued to received other notices that did not make sense. 

I called my agent at XXXX, she explained that the letter usually proceed with your offer. 
Weeks went by and I continued to receive baffling notices. I took time off for my work to call CitiMortgage and no one can confirm that I had received this letter. But they continued to asked me to send more information. 
When I finally spoke to my representative, XXXX XXXX, she finally stated that I should not have received the letter. 
At this point I was exhausted with the process and so was my agent at XXXX who was assisting me. 
However, after speaking to XXXX XXXX, I continued to received notice upon notice from CitiMorgage stating that I have been assigned to a new representative to assist me .... 
Frankly, I have never been so confused about a process and I question a big company like CitiMortgage motives. Once again I am not sure what to think of CitiMortage 's process. 
Please assist me in keep my home and providing me with an affordable mortgage. I am a good customer. 
Thank you XXXX XXXX XXXX
Consumer complaint received 2016-11-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (TX)

There was a special at XXXX indicating free transfer of old phone service to XXXX. My husband returned the XXXX XXXX phones the next day due to being mislead of paying off my old account ( different vendor ) upfront. We had no service and XXXX would not change our plan to theirs until we paid XXXX.
Consumer complaint received 2016-11-23
Product: Credit reporting — 
Issue: Improper use of my credit report — Received marketing offer after opted out
Company: Experian Information Solutions Inc. (VA)

Due to the information listed on the usa.gov/credit-reports page, I believed that I was entitled to a free credit report from Experian.com ; when I attempted to sign up for an account on their site and realized they were trying to charge me money, I actually aborted the sign-up process and did not complete it, but they nevertheless have been charging a monthly fee of XXXX from my credit card for months while providing absolutely no service or information in return. 

I was never given a score, report, or credit information of any kind, by email, paper mail, or any other means. 

According to the Experian customer service line, there is a page somewhere on the site that will allow you to get your yearly free credit report, but it is deceptively hidden away in an attempt to bait people to sign-up for the subscription on the front page by mistake. 

Such an untrustworthy site should not be advertised on a government webpage.
Consumer complaint received 2016-11-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (IL)

I have submitted the following accounts as fraud to experian as well as to the agencies. I have attached the ftc id theft report that was previously filed. Even with this, the accounts and credit inquiries remain on my account. These are not my accounts, i have not done business with these companies and the accounts are fraud. 

Accounts : XXXX ( I am working with the fraud department, but they have been unable to send me anything that would validate this being anything other than fraud ) XXXX ( XXXX.asked multiple times for validation. have cretified letters and signatures. nothing supplied ) XXXX ( XXXX. has sent a bill with a phone number that is not mine. sent mltiple letters certified with signatures, also filed on this site complaints ) XXXX ( Sent multiple requests to try to get validation. no letters responding from them. they tried to sell to collection agency, but the agency has removed collections based on the fraud ) and for inquiries : XXXX I have sent a letter to them informing them of fraud. they have not responded. this is not my account, do not have an account with them.
Consumer complaint received 2016-11-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Resurgent Capital Services L.P. (TX)

I have requested proof on two separate occasions that I am indeed the party that LVNV is asking to pay this debt, and that there is some contractual obligation which is binding on me to pay this debt. LVNV failed to provide : 1. Proof that LVNV are licensed to collect debts in the state of Texas. 
2. A copy of the contract between LVNV and the original creditor. ( Agreement with your client that grants you the authority to collect on this alleged debt ) 3. A complete and full accounting transaction history ( the requirement of which has been established via Spears v Brennan 745 N.E.2d 862 ; 2001 Ind. App. XXXX 509 ) 4. Copies of the certified original contracts which include my name, social security number, and true signature. ( Agreement that bears the true signature of the alleged debtor wherein he agreed to pay the original creditor. )
Consumer complaint received 2016-06-25
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (WA)

Dear CFPB : I 'm a resident in XXXX, Washington and a mortgage holder/home owner who has questioned the need for continued PMI insurance with US Bank, my mortgage holder, for the past two+ years when I learned the government is changing the rules regarding PMI. I fully accept the rationale for the insurance when my deceased husband and I refinanced our home in XXXX XXXX. At the time our loan to value ratio did not meet the requirement. We were satisfied with the 3.75 % interest rate and considering my husband was XXXX we were seeking a way to lower the monthly payment to prepare for me being solely responsible for debt should he die since his life insurance would not pay off the mortgage upon his passing. We did get an FHA loan. My specific complaint has arisen because I get constant solicitations in the mail and over the phone to refinance my home which continues to increase in value including solicitations from my mortgage holder US Bank. I owe {$410000.00} on my loan. My monthly payment consists of {$810.00} principal, {$1300.00} interest, {$450.00} tax, {$160.00} insurance and {$380.00} mortgage insurance. The county assessor has recently increased my home 's value from {$560000.00} to {$690000.00}. Obviously, I 'm pleased to see the value of my home increase. With this new information from the county assessor and looking at homes in my neighborhood selling for more than {$700000.00} I 've again asked US Bank for relief of the PMI. Again I was told no. But, I could refinance and move into a conventional loan which would mean more fees paid to US Bank and a likely loss of the 3.75 % interest rate due to my annual income being less than it was. I 'm topld because my loan is an FHA loan and not a conventional loan I can not simply drop the PMI. I 'm also told should I continue to pay on time until XXXX XXXX, which I have never been late with a payment in history of me holding the loan, will the PMI be dropped. My house hold income is less than 50 % of what it was when my husband was living. I 'm seeking relief of the PMI and would be thrilled if there was a way to get a refund on what I 've paid into US Bank since the government changed the rules on PMI. Its difficult for me to understand the rationale of a relief on a conventional loan, but not an FHA loan. That makes no sense if the government is trying to help mortgage holders like me. Can you please help me understand why?
Consumer complaint received 2016-05-22
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

In XXXX XXXX, I was induced to open a Citibank CitiGold checking account with a bonus offer. The bonus offered XXXX Citi XXXX points in exchange for opening a CitiGold account and scheduling XXXX bill payments from the newly opened account. 

XXXX Citi XXXX points equals {$800.00} in travel on XXXX XXXX when used with the XXXX credit card. And I opened XXXX CitiGold checking account, which XXXX Citi XXXX points equals {$1600.00}. 

After enrolling with the promotion code, I contacted Citi and received confirmation that the offer was attached to my account. 

On XXXX XXXX, XXXX, I confirmed with Citi in private messages and XXXX that XXXX of my accounts are linked for the offer of XXXX XXXX points after I fulfilled the requirement. Which is within 60 days after account opening, XXXX qualifying bill payment must be posted to the new checking account each month for two consecutive calendar months. 

And after I meet the XXXX requirements, my account will be credited with the XXXX XXXX points within 90 days from the last date of the statement cycle in which I meet the requirements. 

On XXXX XXXX, XXXX, I fulfilled all terms of the offer and to expect my bonus on or before XXXX XXXX, XXXX. 

Between XXXX XXXX, XXXX to XXXX XXXX, XXXX, I have made several internal chats with Citi representatives to confirm my bonus with be posted within 90 days from the last date of the statement cycle in which I meet the requirements. 

On XXXX XXXX, XXXX, I did not receive my bonus points as promised. 

On XXXX XXXX, XXXX, I went on chat with XXXX and explained that I did not receive my points. An internal investigation was opened. 

On XXXX XXXX, XXXX, Citi 's investigations team informed me that my bonus was denied for the following reason : " There was not a XXXX Points promotion offered in conjunction with the opening of your account. '' On XXXX XXXX, XXXX, I appealed this denial, citing written confirmation from Citi that : The promotional offer is attached to my account and ; I qualified for the promotion and ; I met all requirements to receive my bonus. 


-- -- Even though I have been assured by Citi that I met all requirements to receive my bonus, the bank is now refusing to honor their end of the agreement. 

Citi must credit my account immediately or additional steps will be taken to collect my promised bonus. I am extraordinarily unhappy and suspect that Citi routinely and systematically defrauds their customers. 




THE NEW JERSEY CONSUMER FRAUD ACT : If a jury or a court determines that a party has committed an act of consumer fraud, then that party must pay three times ( 3X ) the amount of damages awarded to the other party. ( XXXX. XXXX XXXX California and Federal Consumer Laws : Legal Guide XXXX FRAUD - XXXX XXXX et seq., XXXX et seq.
Consumer complaint received 2016-11-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Customer service at TransUnion would not help and remove negative inquiries reporting to my credit report. 

The inquiries that need to be removed are listed below : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2016-10-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NY)

XX/XX/2015 I signed up for a Citigold account via a promotional offer # XXXX that advertised XXXX XXXX XXXX miles after completion of XXXX requirements : { { {$1000.00} } } dollars in qualifying debit card purchases and one ( 1 ) or more qualifying bill payments for two ( 2 ) consecutive calendar months, with all requirements to be completed within sixty ( 60 ) days of account opening. I was told I had been enrolled for the offer and just needed to complete the above requirements in order to obtain my bonus. So I completed these requirements within the allotted time, confirmed conditions were met with Citibank, and waited for my points to arrive. After more than 90 days had passed, I had still not received my bonus, so sent an inquiry via secure message. I was told to continue waiting. After more time had passed, I reached out again, and was told they would investigate the bonus offer. I also went into my branch where I have the account with {$50000.00} balance several times and was told I would receive the bonus but I have not yet received it. I was then sent a secure message that that I would not receive a bonus. I was eligible under the terms and conditions and met the requirements, yet they still would not make good on their bonus offer.
Consumer complaint received 2016-11-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Experian Information Solutions Inc. (AL)

I have made several attempts to remove this debt from my credit profile this a misrepresentation of my character. I have no business dealings with this company. I have disputed this information with all XXXX bureaus Experian is the only XXXX holding on to this debt without providing proper reason for verification. I 've seen no proof none whatever other than a dunning letter for collection purposes. I also received letter asking for additional information to dispute this information. I realize that Experian is notorious for stall tactics, but this is simply unacceptable to me. This is why consumers have laws such as fair debt collections practice act and fair credit reporting act to protect the consumer from this type of abuse. Another observation made to add injury to insult the same debt is reporting twice with different amounts which is a direct violation of these acts put in place to protect me. I am outraged at this theses violations to collector and Experian please help me resolve this matter.
Consumer complaint received 2016-09-12
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: CITIBANK, N.A. (TX)

I 've been paying off my Citibank student loan on time through an automatic transfer from my bank account for the last 4 years with the same rate. Recently, I received a call from a debt collector so I investigated what was going on in my account. Turns out, my interest rate increase from 7.25 % to 7.5 % in XXXX 2016. Because of this increase my bank did n't transfer the proper minimum amount which led to a small fee adding up over time and the debt collector call 5 months later. I went ahead and paid the balance but continue to receive calls from the debt collectors 5x or more per day. The only notice of this increase was hidden in my electronic statement the month of the increase. There was no warning and since I receive electronic statements that you have to login to review this was too easy to miss. I emailed Citibank about this issue and received this strange reply : " Interest rates for our private student loans are variable based on the 3-Month Prime Rate index as published in the Money Rates section of The XXXX XXXX XXXX, rounded up to the nearest one-eight percent plus a margin. The margin does not change ; only the Prime Rate is variable. Variable interest rates are adjusted quarterly on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX based on the published 3-Month Prime Rate index 30 days prior to those dates. 

Private Loan interest rates have increased by .25 % for XX/XX/2016, effective XXXX XXXX, 2016? XXXX XXXX, 2016. The Prime Rate published in The XXXX XXXX XXXX on the reset date changed to 3.50 %. This is why your payment increased. The notice was on your statement. 

Your payment due on XXXX/XXXX/2016 has not been received. 

Please be aware that your account is past due. Collection activity will continue until this account is brought current by either making the payments due or through an approved deferment or forbearance. Remember, making your student loan payments on time may help you build and maintain a good credit history. '' I feel like I 'm being taken advantage of and need help. Thank you for looking into this!
Consumer complaint received 2016-11-23
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (IL)

On XXXX XXXX I deposited {$630.00} into an ATM XXXX. The machine malfunction and it spit out a receipt with a number to call. I called the number reported the incident. Chase put a provisional credit of {$630.00} on my account. I went to another ATM at he bank and was able to deposit funds with no issue. On XXXX XXXX Chase reversed the provisonal credit. So they withdrew {$630.00} from my account which put it in the negative. When I called the claims department they told me that the ATM technician did not find the money in the machine. I asked the representive to play the video tapes at the ATM, I put money in the machine, and I knew the exact amount because I deposit my money like this every month, also I went to another ATM and was able to deposit the rest of my funds. I went to the bank with {$1000.00} between XXXX ATM deposits, XXXX receipt shows my {$400.00} deposit and the other receipt has a customer service number to call. When asked to play video footage at the ATM the representive said the ATM video is only facial recognition. I want to know what chase bank did with my {$630.00}. Further more chase has had my account in the red and I have not had access to my funds for over 24 hours. I believe this is untimely way to fix the situation. Chase made the error yet I suffer and my funds are gone. I feel robbed and I feel like I ca n't call the police about. Chase needs to give a direct answer to where my money went. They stole {$630.00} from me twice now, and I want answers.