davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-30
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: CITIBANK, N.A. (TX)

I have received numerous calls from Citibank requesting to speak to my Father-in-Law " regarding his account ''. I have repeatedly told them that this is not his phone number, his home, nor anything else of his, and he can not be contacted here. One representative requested that I give him a message to call them back and gave me a phone number. ( Violation # 1 of FDCPA ). I have also asked them several times to remove my phone number. They assure me they will, and then a few days later they are calling again asking for him. ( Violation # 2 of FDCPA - repeat contacts of family member without request of such by myself. ) They just called me again today and asked for him. I told the lady again, not him, his number, his home, and to remove the number. She reported she " would try '' to do so. 
My father-in-law is a XXXX Veteran and deserves all appropriate protections. ( I am not a veteran. )
Consumer complaint received 2016-07-18
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (TX)

On XXXX XXXX XXXX I opened a Citigold account using a promotion code XXXX to get XXXX XXXX XXXX XXXX points after fulfilling certain requirements ( {$1000.00} in debit card transactions and a bill payment for at least XXXX consecutive months ). In XXXX XXXX I confirmed with Citibank representative that the promotion code XXXX is attached to my account and what are the requirements for me to get the bonus points ( attached 'Citibank XXXX offer confirmation.pdf ' file ). In XXXX XXXX I confirmed with Citibank representative that I have met all the requirements and that points will be credited to my XXXX account 90 days from the end of the XXXX XXXX statement ( attached 'Citibank XXXX Requirements met.pdf ' file ). I was actively using the Citigold account when I realized in XXXX XXXX that my bonus points have not been posted by Citibank ( it should be the end of XXXX XXXX ). I contacted Citibank and received a response that I was ineligible for the bonus points as I was not targeted and that I will not get the bonus points as originally promised despite Citibank charging me the service fee for the account I opened with the promotion code and my efforts to meet the requirements for the promotion. I do appreciate if you could investigate my complaint and help me making sure Citibank honors their promise. Thank you.
Consumer complaint received 2015-12-07
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (KS)

My CitiBusiness credit card had a transaction of {$100.00} charged to it on XXXX/XXXX/2015 from XXXX. I did not authorize this charge, nor did I knowingly or willingly purchase the goods in question for the charge made to my account on XXXX/XXXX/2015. My employment at the business for which the card was used ended on XXXX/XXXX/2015. 

The last transactions that I authorized and purchased were paid in full in XXXX 2015, with no further transactions being made or authorized by myself from that point on. 

I was unaware of this charge made on XXXX/XXXX/2015 until I received a physical letter in the mail from CitiBank on XXXX/XXXX/2015. I immediately contacted CitiBank on XXXX/XXXX/2015 as soon as I was aware of the charge and the ongoing situation with my account. 

After my first conversation with CitiBank on XXXX/XXXX/2015, it was suggested by CitiBank that I contact XXXX about the charge. I contacted XXXX immediately and their response was that the charge could not be refunded unless the request came within 30 days of the purchase. 

I did not personally make or approve the charge made to my account on XXXX/XXXX/2015, nor was I aware of it until XXXX/XXXX/2015, and I have not and will never receive any product or service from XXXX for this charge. 

CitiBank responded to my billing dispute by stating that my dispute was not made within 60 days so they declined my dispute. They did not offer any acknowledgement of how I was supposed to submit a dispute within 60 days for a transaction that I did not make or authorize, or was even aware of until XXXX/XXXX/2015. 

CitiBank has closed my account and sent the balance due to a collection agency, XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2015-04-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (NY)

I have held a mortgage against my house since XXXX 1994. I have NEVER been late. 
A payment was scheduled for XXXX, but apparently it did not go through. I do not understand, and was unaware that the payment did not go through until I began to receive letters from Citibank/Citimortgage that they had notified the credit bureau 's that I was in default. I called the bank, and informed them that I would schedule a payment with my bank immediately. The rep wanted me to send it over my phone, I refused, he kept right on trying to get me to send a payment over my phone. In addition, he tried to put words in my mouth stating that I had forgot. I did NOT forget to sent the payment. I am a XXXX year old XXXX female veteran. Was he making fun of me? I tried to get customer service to allow me to view my account online, but was told that I had not linked my mortgage to whatever. I have not been able to view my account online for over 3 years despite all I do with citibank to make this happen. I only have XXXX mortgage, only XXXX product with citibank, so I do not know what this person was talking about. I was sold to citibank. I did not choose them. The XXXX payment was received on XXXX XXXX.
Consumer complaint received 2016-07-15
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (CO)

Citibank closed my account without notice or reason, citing they may do so at any per the cardmember agreement. I paid a {$350.00} annual fee to use this card account. I should receive a prorated annual fee for the unused portion of this cardmember year.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$9800.00} XXXX XXXX XXXX XXXX Balance : {$840.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$110.00} XXXX XXXX XXXX Balance : {$490.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022.
Consumer complaint received 2017-03-24
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Asset Management Outsourcing, Inc. (GA)

I have never received any letter from Nationwide Recovery Service stating that I have a medical debt. They have never called me. They have never emailed me. My doctor 's office has never called me regarding a bill not being paid. I absolutely DO NOT have a contract with Nationwide Recovery Service. I have asked for verification of contract and I have not received any response at all. I am disputing this debt to the fullest extent of the law. They have also added it in my credit report and are causing all 3 of my credit reports to go down significantly. This is a violation of the fair credit report act and HIPAA law.
Consumer complaint received 2015-07-02
Product: Prepaid card — Gift or merchant card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY (SC)

XXXX/XXXX/15 called XXXX how to do a split transaction using a {$200.00} XXXX gift card I rec 'd XXXX which expires XXXX/XXXX/15 to purchase my ticket for XXXX w/bal. paid XXXX -- got a confirmation XXXX on phone, was told to go to airport in XXXX, XXXX to run 2 cards thru for payment, got a printout of my flights, and XXXX said they were holding the money on the card for 8 days which is totally wrong and illegal but I was guaranteed XXXX that the price and seats would be held till all went thru. Waited till day before my trip to respond to their e-mail to check-in and no e-mail -- they wrongfully canceled all after I had obtained my confirmation # for the trip and then had the audacity to charge my visa an outrageous sum of XXXX for this flight of XXXX XXXX XXXX XXXX companies need to be reprimanded and fined heavily for the grief they caused me over this transaction XXXX. This is reprehensible for these 2 companies to be allowed to conduct business in this way. I would appreciate your strong action and help in this matter. I 've already filed a dispute action obviously with my XXXX card. I never want to go thru this again. Thank you
Consumer complaint received 2016-04-21
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Windham Professionals, Inc. (KS)

I 'm XXXX at a state university. I have been contacted in my office by Windham Professionals, presumably regarding the student loans I am behind on. They were very rude first to my office mate then to me. They would first have had to contact the XXXX department 's main office as I do n't give out my office number. I am only in my office a few hours during the week which means they would have to have spoken to someone to determine when I am in. Moreover, I share my office with XXXX other people so this is humiliating and a form of harassment for them as well. This is humiliating and completely inappropriate contact and I consider this to be harassment. I want it to stop immediately or I will consider legal action.
Consumer complaint received 2016-12-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (TN)

I wrote Experian asking for my credit report which I did receive and I was not happy with the results. Their are items on it that have a XXXX balance and a couple have looks like the same company twice. The way I fill about the situation they have no balance so should not be on my report to harm me or keep me from getting any type of credit. I did file a dispute with them but have not heard anything from Experian and this is not fair to keep anything on my report that is damaging to me.
Consumer complaint received 2016-05-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

There 's XXXX accounts on my credit report both from the US Department of Education XXXX with a balance of {$3500.00} and the other {$0.00}. I do n't understand that being a victim of student loan fraud and my personal information was used for opening other lines of credit and taxes. I did not open these accounts.
Consumer complaint received 2017-01-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Fay Servicing, LLC (IL)

I had a mortgage on my building and my Mortgage Company failed to allow me the opportunity to refinance my property instead of foreclosing on it. They would not decrease the monthly payment so it was not feasible for me to make payments. The offer they made was more than what came in from rent.
Consumer complaint received 2017-03-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: AES/PHEAA (WI)

This began as a hunt for information, and after over a month of being provided with information that was different from what I requested, I found out that there is no record of the information about my account that I am requesting. 

My subsidized loans were in deferment from the time my grace period ended until XX/XX/2016. They were then supposed to reenter deferment on XX/XX/2016, as I returned to school. The deferment did not begin until sometime in XX/XX/XXXX, and in that time I was still paying interest on my loan payments. I had no idea how much interest was actually on the account, because my bills only showed " outstanding interest '', which was VERY different each month. 

Fast forward to two weeks before my loans came out of deferment, and I paid over {$15.00} in interest on an early payment I made. I requested that the interest be applied to principal because there should n't be any interest to pay ; they told me I owed interest. My loan came out of deferment, and over {$15.00} ( 'outstanding interest '' ) was capitalized. Based on my records, I paid more than the total amount of money I should have owed in interest in total in the two weeks leading up to my loan coming out of deferment. I requested specific details about all interest ever on my account ; they showed me principal and outstanding interest only. I requested this information again, being more clear than before that I needed to know all INTEREST. They gave me the exact same document as before, this time only with more recent dates. 

I finally just asked to see how much interest was on my account when it went into deferment. Apparently, they do n't actually know. 

I 've never heard of such poor record keeping or transparency with someone 's money in my life. 

Based on the calculations I 've tried to make, with the help of my mother, who is an accountant, very little of what I have paid has made any sense. The interest is especially unclear. But thy continue to avoid providing me with the necessary information to figure out what my account balance should actually be, and today informed me that they do n't actually have a record of how much interest I was supposed to owe.
Consumer complaint received 2016-09-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY (LA)

When I purchased this home I asked and was told that it did not have Termites and that it had passed termite inspection. I later found out that it had termites and the mortgage company included an old termite inspection document in the paper work and did not have one conducted for my benefit before I purchased this house. It has termites and it has them really bad!
Consumer complaint received 2017-01-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (MA)

I opened a new Citibank checking account on XX/XX/XXXX with a promotion for a bonus of {$400.00} that was associated with promo code # XXXX. The promotion eligibility requirements included an opening deposit of {$15000.00} to be deposited in the account by XX/XX/XXXX. The {$15000.00} qualifying deposit requirement was to remain in the account for 30 consecutive days and the bonus {$400.00} would be deposited within 90 calendar days to the account in the form of a XXXX Interest credit. On XX/XX/XXXX I contacted citi by their listed banking account customer service phone number number XXXX and opened a Citibank Service Request # XXXX to investigate why the account had not been credited with the {$400.00}. I was toldl I would receive a reply within 24-48 hours. After 72 hours, I made contact with representative XXXX XXXX on XX/XX/XXXX and followed up with XXXX XXXX regarding Citibank Service Request # XXXX. XXXX XXXX explained that I would receive further information regarding the account bonus credit. On XX/XX/XXXX I called Citibank at XX/XX/XXXX and spoke with an agent by the name of XXXX and her supervisor that said the back office at the bank was overwhelmed with other customers requests and that I would not receive word for 60 days. This action is very innapropriate as Citibank has now taken over 120 days to pay a bonus that I am entitled to and there is nothing else that I have been able to accomplish in reaching out to various representatives through the online citi portal secure chat via online banking or by calling representatives and supervisors at the citi banking account customer service number listed earlier in this message. I believe Citi is acting in an unfair and unethical manner in violating the terms of their promotion offer.
Consumer complaint received 2021-12-23
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

XX/XX/XXXX went to XXXX XXXX in order to complete a XXXX XXXX. Informed the sales representative XXXX that I already was approved and had financing through my credit union ( which I work for ) so that I wasn't there to get financing through them or have my credit run. That same sales rep left and came back stating they had to run my name and information through XXXX but assured me my credit would not be ran and it would not show up on any credit report. Less than XXXX minutes before he left I get a notification that my credit was pulled. Rep tried to deny it then later stated that it was miscommunication with him and the financing office. The sales representative 's manager then stepped in telling me to call tomorrow XX/XX/XXXX to get a letter to give to dispute it with the credit bureaus. Called the following day and was told I would get a callback in 5 minutes. I gave them an hour to make sure that they had enough time to generate the dispute letter and when I call back they tell me the manager left for the day because he was feeling sick. Manager 's name was XXXX XXXX.
Consumer complaint received 2016-09-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: HEARTLAND PAYMENT SYSTEMS INC (VA)

I was recently shocked to learn that my credit card had been terminated due to either " recent delinquency, '' or a " public record reported '' by a credit bureau. This prompted me to access my credit report through Experian, at which time I discovered that my federal Perkins loan was in default after having been sent to collections. I had never, in any way, been contacted by my lending company, ( Campus Partners, now Hartland ECSI ) - meaning, I never received a Notice of Intent to Offset ( a written notice of the type and amount of the debt when a loan is delinquent ). This notice is guaranteed to me through my rights as a debtor and is described in the Federal Register, under 31 U.S.C. 3716 ( Document Citation - 78 FR 41677 ). Additionally, I never received monthly billing notices regarding this debt. Neither the collector ( XXXX XXXX , XXXX ), lending company, nor educational institution ( XXXX XXXX ) has been capable of telling me the amount that I owe. As I understand it, according to the Policy Direction Memo on Federal Student Loan Servicing from the XXXX Department of Education, this information, along with my Notice of Intent and monthly billing notices, are assets I can reasonably expect within this situation, and yet they have not been afforded to me. 

However, this is not merely or primarily an issue of default, as I am fortunate enough to be in a position to pay off the loan in full ( and have been since the loan fell under repayment ). The real problem has been the damage done to my credit report. I am reluctant to simply pay the debt in total because that might mean forfeiting the possibility of expunging my record of the loan 's default and collection status. Had I received any communication at all - written, electronic, or even a phone call - this loan would never have been sent to a collector or placed into default status. I fear what might have happened had I not been prompted to look into the situation further after my line of credit had been terminated. My hope is that I may pay the loan off in full as quickly as possible and have my credit report restored to its previous condition.
Consumer complaint received 2017-01-27
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (AK)

Disputed the account being in collections due to it being fraudulent. Contacted XXXX XXXX and they had no record of charges in order to prove we did not open or have control of the card. It has been more than a year ( exceeding the 30 days required to respond to a dispute ) and nothing has been provided to us. We are demanding that the report be removed from our credit history. The account is listed twice, both showing " disputed '', and we want both to be removed.
Consumer complaint received 2017-03-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: MOHELA (NY)

I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : XXXX 90 days past due as of XX/XX/2013 XXXX 90 days past due as of XX/XX/2013 XXXX 90 days past due as of XX/XX/2013 XXXX 90 days past due as of XX/XX/2013 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.
Consumer complaint received 2016-11-06
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: ENCORE CAPITAL GROUP INC. (AL)

I 'm XXXX, disalbled, after an accident at work in 2013, i lost my truck, my home, my wife, my job, @ now I 'm losing what XXXX I had left, before I could pay my bills, now I ca n't, I do n't have anything that this co.Midland funding can take, without the food stamps I get each month, i would n't be able to eat atleast one week a month.after I pay rent, water, serus, lights, @ my insurance, i have about {$92.00} left, I have nothing they can take, i have no dignity left, i have nothing, now they are sueing me in XXXX co court, '' XXXX, if they had bothered to check they would see the only money I get is my XXXX rent an apartment, i have no car, no truck, '' nothing. " Please can y'all help me, im afraid they will take whatitg little I get, @ I, ll be out in the street.i ca n't pay any laser to help me " can y'all help?
Consumer complaint received 2015-04-04
Product: Credit card — 
Issue: Other fee — 
Company: AMERICAN EXPRESS COMPANY (PA)

American Express is demanding payment of old annual fees on a dormant account otherwise with no balance or charges. 

I encountered severe problems affecting my health and my wife managed my business affairs. American Express insists on collecting annual card fees for that time despite the fact that they sent no notices and the account has been idle for at least 5 years. This is unconscionable as I received and asked for no services from them during that time.