davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-14
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: CITIBANK, N.A. (PA)

I have been receiving unemployment since XXXX of XXXX. My benefits were exhausted in XXXX of XXXX. I have found gainful employment starting in XXXX of XXXX. As a result of my circumstance, I am left unable to make my XXXX and XXXX XXXX payments. 

My unemployment was not a surprise, I had several months notice. During that time, I prepared for the financial loss. One step was to discuss with Citibank the terms of my loan and how many months forbearance were available to me. I was told I had a total of 6 months. I continued to make payments. 

I received a 1 month forbearance of my student loans for XXXX XXXX. I requested the forbearance due to an error in filing for benefits in XXXX, leaving me unable to make my student loan payment. I was granted the forbearance and resumed payments in XXXX XXXX. Before ending the conversation in XXXX, I asked how many months of forbearance I had left on the loan and was told I had 5 months remaining. 

On Monday, XXXX XXXX, XXXX, I requested to have my student loans through Citibank forbeared through the months of XXXX and XXXX of XXXX due to lack of unemployment compensation. I was denied. I pressed and was still denied. I spoke with XXXX, she relayed my situation to her superior. XXXX called me back and informed me that I would was not eligible for forbearance. I asked to speak with her superior and she told me my only recourse was to write a letter. 

Strangely, XXXX called me back on Thursday, XXXX XXXX, XXXX. I was surprised to hear from her. She started our conversation by informing me that I was, in fact, eligible for a forbearance. She then guided me through a worksheet where she, once again, told me I was not eligible. I was very confused. We were having the same conversation that took place on Monday. XXXX forgot that she had already followed up on my account. XXXX also apologized for telling me that I was eligible for two months forbearance, because by the end of the conversation, I would not be receiving a suspension of payments. 

I believe that I am being denied my 2 month request of forbearance unfairly.
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. 
Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-03-01
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (NJ)

My wife and I, have a XXXX credit line with Citi-Bank, secured against our home that we took 10 years ago. 
As part of the government loan modification program, we applied to the bank, three different times, to help us to modify our loan, so as that our " under-water '' home payments get reduced, stretched or otherwise modified so as to help us to pay them - going forward. 
The Bank took between XXXX months each time, switching us in between a dozen persons, duplicating their questions, repeating time and again - same information, while waiting weeks in between each time. 
THeir handling was such, where each stage did the same again and when they finally were done - they submitted it to their underwriting section, which redid same again. 
In fact - where their left hand did n't know what their right hand was doing. SInce Citibank is known to be a large powerful and well served bank - the only conclusion is that they tried to delay and push the applicant - until they gave up. 
Well, we did n't give up and after persevering their attrition war on us - they denied us, using very vague, limited information, language. 
Each time I called and communicated, I was refused any further information. 
I insisted that they are operating under government programs and as such, I am entitled for their written breakdown of the reason for their denial - but they refused to cooperate. 
SInce all of this took time - i was forced to start the process again and again - thus it taking two years and more - without any positive outlook. 
Now, that my wife is not going to work next year, they refuse to work out our numbers under such - until it happens, even though she was terminated, so that we 'll have to start it all over again - taking another XXXX months and again - yielding no better results. 
This is not right and we want to ask the CFPB to interfere and ensure that the bank does ALL that it is supposed to do. Thank you XXXX and XXXX XXXX XXXX XXXX account XXXX
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (PA)

I am having a difficult time paying my student loans, through Navient, so I put in for a income driven payment plan, and the result was I had to pay {$0.00} last year for my loans, but the interest would still accumulate but I could make interest payments if I wanted to. I am doing this off of the top of my head, so XX/XX/XXXX when that year ended, I had to send in my income tax papers, and I will say here, I made {$24000.00} XX/XX/XXXX, so they based my payments from that. So they expect me to make payments of {$69.00} a month, let me tell you this, I am a XXXX year old widow, who has electric heat as a heat source, works part time at {$13.00} an hour as a XXXX, I drive a vehicle that is 17 years old and I also had to pay {$56.00} a month for that stupid Obama care insurance that I did not use. 
First I get a notice that I have a payment due of {$240.00} on XX/XX/XXXX, got paperwork in for the income driven then they modified the payment, and also changed the date of XX/XX/XXXX. 
Is there any way your agency can help me? 
Thanks XXXX
Consumer complaint received 2016-05-02
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY (MN)

Amex put me on a payment plan using ACH withdrawal from my checking account for {$230.00} a month and they have already taken out XXXX 's payment. This morning I got a call from their collections department saying they have no record of that payment plant and that I owed them approx {$2400.00} immediately. The conversation became heated and resulted with me hanging up the phone after they continued to state they had no idea what I was talking about.
Consumer complaint received 2016-04-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ENCORE CAPITAL GROUP INC. (FL)

I disputed this debt with equifax because I do not owe anything to Midland Management LLC for a XXXX Account. I complained in XX/XX/XXXX on this site for them taking a check wrote to Asset Acceptance/XXXX and cashing it on this account for XXXX XXXX. They have now reported to equifax that I made a payment on XX/XX/2015 claiming that check was a payment. So no they have committed fraud by cashing a check not wrote to them and they have lied to the XXXX bureaus that report your credit information.
Consumer complaint received 2023-06-08
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. (MO)

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 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

This is a formal complaint to inform you that the account listed below is reporting erroneously & is inaccurate. The furnisher is reporting this account inaccurately. They informed me they had an internal issue & posted me past due on XX/XX/2022. Please investigate this account & please update the account to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXX XXXX
Consumer complaint received 2017-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

The company XXXX XXXX XXXX is a company I 'm not familiar with. They illegally put wrong information on my credit report. I filed 100 etc reports and will continue. Next I will be filing with the BBB. They refused CFPB direct contact stating they are a third party and refused to work with them. I feel with the breach my information was compromised. This company is fraud. I do n't owe any outstanding debt to anyone.
Consumer complaint received 2017-09-29
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (KY)

I purchased a pool table from XXXX 's on XX/XX/XXXX with their Brand Source Credit Card under a 0 % interest promotion. I had my balance down to {$450.00} when I received a statement showing a current balance of XXXX. I called customer service to inquire about the balance and was told because I did not pay it off within the promotion I am required to pay the back interest beginning from XX/XX/XXXX. This is very upsetting because none of this was communicated when I made the purchase. I understand paying the interest going forward on the remaining balance, but due to the lack of communication on their end, my balance is now tripled. I have never missed or been late on a payment and this is truly bad business on their end. The previous interest rate needs to be rescinded, and the interest needs to begin with the balance of that was due before the {$720.00} in interest was added to my account.
Consumer complaint received 2015-04-15
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Byrider Franchising, LLC (OH)

There has been multiple issues within this same situation. 

1 ) The vehicle description did not meet the actual product ( carfax information was different that what was sold to consumer *AA ) -- -this was with an affiliated company2 ) Payments have been processed several time on the wrong dates. XXXXXXXX3 ) Payments have been processed with other methods which were not authorized. XXXXXXXX4 ) Contact with representatives has been rude and forceful.
Consumer complaint received 2017-03-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Dear Sir or Madam : After review of the financial information that SPS has provided to me it appears that SPS was dually tracking my residential mortgage loan while I was working on a loan modification and reviewing their offer for a repayment plan. Not only did they dual track me but they also harmed me financially as they charged the expenses of {$1100.00} to my account. This is a direct violation of the California Homeowner Bill of Rights, Consumer Financial Protection Bureau, RESPA and Truth in Lending statues and laws. 

On XXXX XXXX, XXXX, I submitted a home affordable loan modification application to SPS both via facsimile and email. I experienced a material change in financial circumstances and submitted that change to my " mortgage servicer ''. I never received an acknowledgment of that application nor did I receive any outcome. However, on XXXX XXXX, XXXX SPS charged {$760.00} to my account, paid to XXXX XXXX XXXX XXXX and noted my account with Foreclosure Attorney. 

On XXXX XXXX, XXXX SPS sent me a letter offering a repayment plan. I did not agree with that plan and filed an appeal. SPS gave me until XXXX XXXX, XXXX to respond to their offer. However, SPS ordered and charged to my account a Foreclosure Broker Price Opinion in the amount {$89.00} and on XXXX XXXX, XXXX they charged to my account {$280.00} paid to The XXXX and noted on my account Foreclosure Attorney. 

These were outright illegal lending practices as SPS positioned themselves to foreclose and take my property while in direct violation of the law. 

I am requesting that your office conduct an industry standard investigation into my allegations. Please apply all penalties and sanctions as applicable to State and Federal Law to discontinue this behavior as it clearly demonstrates a pattern and practice of non-compliance, as well as malicious intent. 

Thank you, XXXX XXXX XXXX XXXX Enclosures : Payment History XXXX XXXX XXXX SPS Repayment Plan Letter XXXX Screenshot of Email of HAMP application XXXX
Consumer complaint received 2015-10-19
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY (NY)

I purchased an item with my american express card ( with purchase protection ). Item was stolen along with the receipt. American Express 's wholly-owned insurance subsidiary is refusing to pay the claim ( increasing their profits by the amount of the claim ), on the grounds that the receipt is required. My understanding is that insurance companies are intended to use reasonable discretion on this matter -- if a receipt no longer exists, they will work with the customer to find other evidence of the purchase. In fact, a representative did advise me that I could fax in my billing statement as proof, but then they changed their mind. It 's hard to decide whether this is incompetence or outright fraud on behalf of Amex, but I will say the people seem pretty competent ...
Consumer complaint received 2015-04-16
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: AMERICAN EXPRESS COMPANY (NH)

Dear Sir or Madam, While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by AMEX. I did not authorize anyone employed by this company to make any inquiry and view my credit report. AMEX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This isa serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to viewmy credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized andfraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. in case it is needed to locate the fraudulent inquiry in their system. 
I then asked them to please send me written confirmation that they have complied with my requests and advised them that their failure tocomply with my requests within five ( 5 ) business days will be my evidence used in Federal Court of their willful noncompliance [ 15U.S.C. 1681n ] and that I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney feesfor each and every fraudulent inquiry. 
Please do whatever is in your power to ensure that AMEX complies with my requests and to avoid other Consumers fromexperiencing the same kind of abuse of their privacy rights.
Consumer complaint received 2017-03-22
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (CT)

Hi, This is XXXX. I want file an complaint on American Express Credit Card. I received an offer regarding the spending offer for my XXXX ( R ) Business Card ( ending - XXXX ), and here is the offer term : 1 Limited Time Offer : To be eligible to earn the {$50.00} credit statement associated with this offer, you must be the named recipient of this invitation and you must use the Card specified on this invitation ( or an Additional or Employee Card under the Card specified on this invitation ) to make a qualifying purchase* of {$1000.00} or more between XX/XX/XXXX and XX/XX/XXXX ( " Offer Period '' ). Purchases may fall outside the Offer Period in some cases, such as a delay in merchants submitting transactions to us or if the purchase date differs from the date you made the transaction. ( For example, if you buy goods online, the purchase date may be the date the goods are shipped ). In addition, you will not receive the statement credit associated with this offer if American Express does not receive information that identifies your transaction as qualifying for the offer. For example, your transaction will not qualify if the merchant disaggregates or splits the {$1000.00} purchase into smaller transactions. Limit one offer per Card account. This offer may not be combined with any other special offer. The {$50.00} credit statement for this offer will be credited to the XXXX only. You will receive a maximum of a {$50.00} statement credit under this offer. The {$50.00} credit statement will be credited to your account within 6-8 weeks after the qualifying charge appears on your billing statement. 

I spent more than {$1000.00} from XX/XX/XXXX to XX/XX/XXXX, but I have n't received the {$50.00} bonus. I contacted Amex several times regarding this {$50.00} bonus. Every time Amex had a different reason. Even if the CSR said I met the requirement, but still I have n't received the {$50.00} bonus. 
Would some one please help me on this? I do think Amex should be serious to his customers!! 

Thanks, XXXX
Consumer complaint received 2015-09-19
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (OH)

I purchased an airline ticket with XXXX XXXX on XXXX XXXX. Along with the cost of the ticket itself, there were charges for ancillary services associated with the air ticket. ( See attached AMEX Statement 1 ) Within the time period provided by XXXX XXXX for cancellation and refund ( 24 hours, if I recall ), I cancelled the reservation. XXXX XXXX explained they were refunding all of the charges. Over the following days, XX/XX/XXXX-XX/XX/XXXX, credits for the flight were issued. ( See attached AMEX Statement 1 ) This attachment shows XXXX charges associated with the original ticket purchase and XXXX credits posted to the account in equal sums. 

As of this date, XXXX XXXX, there was a charge posted to my current billing statement posted to my American Express card for one of the charges associated with the ticket. ( See attached AMEX Statement 2, see {$190.00} XXXX XXXX charge. ) In speaking with XXXX XXXX, they are not able to look up receipts for tickets issued longer than 14 days previous. They were not able to explain what the charge appeared, despite my explanation that the charge was posted now, not in XX/XX/XXXX. They are filing a request for the receipt which will come within 14 days. 

In speaking with American Express, they find XXXX charges on my account associated with the original ticket. XXXX of these charges is for the {$190.00} authorized on XXXX XXXX, but posted on XXXX XXXX. However, they find XXXX credits associated with refunding the original ticket. Their assumption is that XXXX issued all of the credits, but not all of the charges. They assume XXXX realized the error and issued the {$190.00} charge in XXXX based upon a XX/XX/XXXX authorization. 

If this is the case, then I will also be seeing a sixth charge posted to my account in the coming months should XXXX realize the error. This sixth charge, the largest of {$970.00}, already appears on my account statement. American Express representatives explained they do not find this charge on my account. Therefore, it remains unclear if this charge has or has not been posted by XXXX XXXX to my account. 

I would like to know if there is any obligation on the part of the vendor to post charges in a timely manner, based upon the authorization date. 

What seems the error of XXXX XXXX is causing great difficulty as the XXXX charges should have already been posted and refunded. As you might imagine, news that the charges are appearing in XXXX from an error in XXXX severely complicates my monthly financial budget. 

It seems that there should be a fair and reasonable window for vendors to post a charge that is reasonably within the authorization date. It is not intuitively fair that the reconciliation calendar of XXXX XXXX accounts should so heavily burden my own monthly billing.
Consumer complaint received 2016-08-27
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (GA)

In XXXX 2016, I signed up for a Citibank Citigold checking account using promotional code XXXX for XXXX Citi Thank You points upon completion of several qualifying transactions. The day after signing up for the account, I confirmed via Citi 's online customer service chat that I was eligible for the promotion and that the promotion was attached to the account. Citi confirmed eligibility and I proceeded with the required transactions. Upon completing the qualifying transactions, I confirmed with Citi via secure message that I had successfully completed all required transactions for the promotion. I was told that I did indeed complete all the required transactions and that XXXX Thank You points would be deposited into my account by XXXX/XXXX/2016. No points were deposited, so I asked Citi if there was an issue and Citi then said that I was never eligible for the promotion even after I had confirmed twice that I was eligible and completed the requirements of the promotion.