davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (OR)

We applied for and were granted a loan modification because of financial hardship. We paid early and on time. Loan modification was denied before I could make last month 's payment. According to NationStar, we did not return signed documents. We never got the documents, and Nationstar has no proof that they either sent them or that we received them. They now say we owe them over {$3900.00} which we do not have. 
We did not receive any notification during any of this process that documents were missing. We also took part in XXXX program and NationStar was very hard to work with and said they had transmitted information to the program when they had not ; In addition, they transmitted the wrong payment amount. I have XXXX confidence that they do what they claim they have done. This appears to be some kind of scam in order to foreclose. We have been unable to get a decision making supervisor to contact us about this. We have been calling and emailing since XXXX 2016.
Consumer complaint received 2016-10-25
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Navient Solutions, LLC. (CA)

XXXX with Pioneer Credit Recovery has contacted 3rd parties about an unknown alleged debt. I have a Bankruptcy in place which XXXX has ignored. While leaving a message on XXXX, Legal Assistant to Attorney XXXX XXXX on a recorded line. I insisted that XXXX Cease & Desist from contacting me altogether, Cease from contacting 3rd parties instead contact XXXX to discuss this matter. XXXX informed me long into the call that he was speaking with me on recorded line without my knowledge or consent. This debt collector has grossly violated my rights and I have no clue what his collection matter pertains to.
Consumer complaint received 2016-02-19
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I bank through hunington bank and I have been ripped off by XXXX I stopped my auto pay notified the bank they still allowed the transaction to go through then returned everything that was already pending and charged me a fee on all transactions up to the {$1000.00} mark after disputing it on both sides the bank declared it as my problem and XXXX has admitted fault and is willing to refund the money and the bank refuses to change the fees due to there error of not stopping it disputing it in a timely manner so that this would not happen
Consumer complaint received 2016-07-09
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (OH)

To Whom It May Concern : I contacted Citi Bank on XXXX/XXXX/16 regarding my Double Cash card. I have a current billing item in a dispute due to the merchant charging me the incorrect amount. I noticed the item was charged back to my account as of XXXX, but have not received any notification as to why via E-mail or Mail. 

The first time I called, I was routed to a representative in XXXX who offered to transfer the call to the dispute department ( even though I said existing dispute in the IVR ). I was on hold for about 3 minutes and then the call was transferred to a message that advised the rep to take the call back because they were experiencing high volume and were unable to take the call. The line disconnected. 

I called back and asked for a manager. I was told there are no managers available. I then asked for a supervisor, who promised that I would get a call back within 48hrs. He took down my information. He was kind of rude, and I did n't like the way he handled the call. He denied me the ability to talk to anyone or anyone else. 

I called back once again and asked for a rep in the USA. The call was then transferred to a closed line. 

I called back a fourth time, and asked once again for a supervisor or someone in the US. The call was transferred to a closed line. 

On my fifth attempt, I called and was transferred to a closed line for the dispute department. 

Finally, on my sixth attempt, I got a rep in the XXXX who told me that there are no managers or dispute team members available due to high call volume and promised that I would get a call back in 24 hours. I explained to her that I have been disconnected and hung up on 5 times, and that I really needed to speak to someone.. She kept promising a call back. 

It has been 48 hours and my phone has not rang. I feel as if I am being discriminated against because I asked to speak to a representative in the United States. I explained to the reps that I was nothing personal, I just have had poor service and really need to speak with someone that will understand everything that I have gone through.. Since each one of the reps did n't even really apologize for the situation or how I have been treated. 

I honestly feel as if I have been mistreated and discriminated against for the billing dispute, as well as discriminated against for asking for an American employee. My calls were repeated disconnected or blind transferred to a closed line OR IVR with no reason or excuse as to why. 

I need to speak to someone about my dispute to understand why. I also need someone to help me understand why I spent over an hour on the phone only to get disconnected multiple times and hung up on.
Consumer complaint received 2016-03-19
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (IL)

I have a mortgage with Citi-Financial and have not seen a principal reduction in over 2 years even though I pay my Mortgage payment every month. They tell me it is because I pay late but I can not understand why I have to pay 100 % interest.
Consumer complaint received 2016-03-02
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (MO)

I am a Citi Double Cash cardholder and am completely frustrated with Citi, as they have begun holding my payments for up to 10 days for verification before they reinstate my credit availability on the card. We obtained the card last fall and have always paid the card balance in full every month ( sometimes multiple payments per month to keep the balance from growing ). We make our payments electronically, via the Citi website, debiting our checking account at XXXX. The first several months we had the card, Citi would reinstate our credit availability on the card immediately following the initiation of the payment. Due to the velocity of our recent payments, Citi has begun to implement the " hold for verification '' on our payments, not reinstating our credit limit, even after the payment has cleared my XXXX account. I could understand a 24 hour, even maybe a 48 hour hold to be sure the ACH debit has cleared and funds are received, but knowing the funds have been transferred to Citi and having them hold them for " verification '' is completely dishonest and misleading. In speaking with a Citi customer service supervisor today, she alluded to the fact that when customers increase the velocity of their payments, thus obtaining the 1 % cash back reward quicker, Citi decides to exercise this practice of holding the payments. There is nothing in the Cardmember Agreement about making too many payments or the ability of Citi to hold payments for verification. Citi is being deceptive in its marketing of the Cash Back Card and its benefits and the " hold for verification '' practice is unethical and wrong. 
Any assistance you can provide in helping me cause Citi to end its deceptive practices would be greatly appreciated.
Consumer complaint received 2015-07-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I applied for credit at XXXX and was denied, which was crazy, because my credit score should have been around XXXX. They told me it was because I had XXXX accounts reported for collections. XXXX had XXXX bad accounts reported from XXXX different debt collection companies lying about who I was. These accounts belonged to a woman with my name who lives in XXXX. But, XXXX was not alone. The fact that the TRANSUnion credit reporting agency accepts information about a woman with a different social security number living in a different state and puts it on my account is outrageous. They should be able to be sued for this, but of course, they have probably written laws that prevent that. It was clearly observable that I was living in XXXX during the years they tried to put the bills on me and that I was not that person. This situation ruined our family 's life at a critical time of unemployment and need, and they should be made to pay for it.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (KS)

I have sent a dispute on XX/XX/year> to XXXX, XXXX, Equifax. In return I received a stall letter or or email from XXXX, and XXXX, from Equifax I have not received anything from. From XXXX The stall letter message was emailed to me XX/XX/year> XXXX Which I have attached proof, I received on XXXX XXXX at XXXX which has been attached as well. You will also see in my attached documents my disputes of the inaccurate information, asking for validation of said information. I have also attached a letter from the court clerk stating they do not report this information to anyone, as well I have included in my disputes proof of address, and my Government issued ID show that it is indeed me. Along with proof that it has been delivered, and how it is inaccurate on my credit report. I am requesting that this inaccurate information be deleted at once, as I feel like I have provided more than enough information. If this does not get removed. I will contact my lawyer and the federal courts to sue for damages and removal of this off my credit report.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2015-10-14
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (OR)

I started a new credit card with Citibank. When I first owed {$10.00} on the card in XXXX 2015, I called customer service at Citibank to see how best to pay the debt. The customer service representative said that I had a year of 0 % interest on this card, and that I did n't need to pay it off. She recommended that I wait until I accrue a larger debt on the card as it did n't matter when I payed it, during the first year. She said there was no penalty for the first year. Based on this information, I did n't make a payment at that time. 
The problem is that in XXXX of 2015 I received a call from the collections department of Citibank saying that I was over 60 days overdue and that I had been reported to the credit bureaus. I tried to explain and the lady did n't want to talk about it at all and said I would have to talk to customer service about the report to the credit bureaus.. I was furious. 

After immediately making a payment, I contacted customer service at Citibank and they said they could n't do anything, and that my only recourse was to contact the XXXX XXXX department by mail only. This I found ridiculous as I am being given the run around and not being taken care of as a customer. They told me exactly what to put in the letter including the last XXXX digits of my credit card number. 
I write a letter to the department explaining that I want them to call me and to fix the report that they made to the credit bureaus because I had been misinformed by their company about making payments. This letter was dated XXXX/XXXX/15. 
I received a letter from the XXXX XXXX Department dated XXXX/XXXX/15 asking for my credit card number and a copy of the credit report. This incited me even more because they are wasting a lot of my time with the slow correspondence by letter, and they did n't call as requested, and they are requesting information that they already have. 
I respond on XXXX/XXXX/2015 demanding that they call me and make some real effort to rectify the situation with the credit bureaus. 
The XXXX XXXX Department responds with a XXXX sentence letter dated XXXX/XXXX/15 asking for another letter from me explaining my situation ( already did that in my original letter to them XXXX and a copy of my credit report. They are clearly trying to wear me down with their red tape and letters. 
I finally respond with a hand written note on their last letter stating that I am contacting you, the CFPB, to file a complaint and seek resolution. I 'm including copies of all letters in this filing.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2016-05-09
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (CA)

I have asked Midland to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

I HAVE SENT AND REQUESTED THE removal OF fraudulent identity THEFT ACCOUNTS FOR THE LAST YEAR. XXXX REFUSES TO DELETE AND INVESTIGATE INFORMATION. THEY WILL NOT ADHERE TO MY FTC identity THEFT REPORT OR MY POLICE REPORT THAT VALIDATES THAT I AM AN VICTIM OF IDENTITY THEFT. XXXX IS NOT investigating DISPUTES, THEY JUST CONTINUE TO SEND SAME PAPER SAYING IT WAS DISPUTED. PLEASE INVESTIGATE WHY XXXX REFUSES TO ADHERE TO THE GUIDELINES PUT IN PLACE FOR identity THEFT VICTIMS.
Consumer complaint received 2017-02-14
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: AMERICAN EXPRESS COMPANY (GA)

On XXXX XXXX, 2017, I contacted American Express Bluebird in regards to a {$1000.00} bill payment check that was returned to me uncashed to have them return the funds to my account. I explained to the representative and a manager that the original check was mailed back to me. I specifically asked should I return the check back to American Express and I was told no. I was also told by the supervisor on the recorded line that my funds would be back in my account on XXXX XXXX, 2017 at XXXX EST. I checked my account and the funds were not there and so I called American Express back again that same night and I was told basically that the supervisor lied to me about when my money would be place in the account. I contacted American Express again on XXXX XXXX about the status of my money and I was told that it would be in my account Monday at XXXX EST on XXXX XXXX. I have been calling American Express everyday and have been given different answers about my when my funds will be credited back to my account. There is no reason that I should have to keep calling a " bank '' and keep getting incorrect information from employees and supervisors. Yet, I still have not received my {$1000.00} back in to my account. I asked to speak with someone in their dispute department and they stated that there is no way for customers to contact them which to me seems a bit shady. Every real bank has a dispute team and yet I still can not get a definitive answer as to when my money will be returned to my account. It is utterly ridiculous that I have to go through this to have my money put back in my account.This has literally been a nightmare.
Consumer complaint received 2015-09-01
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY (NJ)

1. My son and daughter used to attend XXXX and completed their lessons during the XXXXXXXX2. I gave many verbal and a written request to discontinue lessons to XXXX XX/XX/XXXX ( Exhibit-A ) 3. Neither any authorization was requested by XXXX for the next season starting XXXX, nor any given by me for the same. 
4. No credit card details or signature was provided by me to XXXX for the next session. 
5. A completely unauthorized charge of {$2000.00} was made by XXXX on my credit card. 
6. SEBASTINI was repeatedly contacted to reverse this unauthorized charge but provided no cooperation. 
7. Then, AMEX was repeatedly contacted over past 6+ months and provided with all the evidences to reverse this unauthorized charge. 
8. AMEX did not cooperate and provided a forged document, without legitimate signature and just my wife 's name written in block letters that was presented by XXXX, as the basis of legitimacy of this unauthorized charge. ( Exhibit-B )
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : FST XXXX  Account Number : XXXX has violated my rights. Or list of inquiries XXXX XXXX XXXX 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 seven 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 2015-12-15
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (CO)

They not only THREATENED to sue me on debt that is too old to be sued on, THEY IN FACT DID. XXXX XXXX XXXX, XXXX and their attorney XXXX XXXX ( XXXX, CO ) actively pursed a lawsuit against me on a debt they knew to be a Time-Barred Debt. The debt was a credit card account XXXX had purchased that was originally a credit card from HSBC XXXX XXXX. They completely disregarded the Federal and State Laws on debt collection practices, harassed me in XXXX County Court in Colorado, and attempted to even illegally obtain a judgement against me in XXXX County Court. I had to fight them for approx. a year against their illegal practices, and if I did n't, they were stampeding their way through the County Court in XXXX County Colorado with complete disregard of the FDCPA. In fact, they almost got away with obtaining a judgment against me, illegally so, except by shear happenstance of me learning of their activities within a XXXX Report I had acquired for other informational purposes. I was then forced to hire a lawyer to protect me from their pursuit of extorting monies from me for time-barred debt. They simply were n't going to back-off until they could bully me into paying monies that they were attempting to extort from me. They have a total disregard and cavalier attitude in regard to the FDCPA, and fully believe they can bully monies by their `` gangster-like '' activities by misusing county courts to file lawsuits that are wrongful against consumers thinking they are above the law and can commit this criminal activity against naive consumers, out-lawyering consumers, and willfully and wantonly ignoring federal and state debt collection practice acts and laws that are in place to protect consumers.
Consumer complaint received 2015-10-29
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (CA)

XXXX repeatedly calls in the early morning hours and/or late at night. I live with roommates and whether I or they answer the phone, the company does not respond even after being repaetly asked " Hello. Hello ''. When they do answer, they have once asked for someone not living at our residence and the other time, they hung up on my roommate before she could ask who was calling for me. The only reason I know its a debit collector is because I Googled the number.